On February 26th, Dongyang City after the Spring Festival is still full of rich flavor of the year, and the streets under the bright sun are full of traffic. Hanning Road, known as "a natural street", has lost its natural color group billboards, and most shops are either closed with rolling gates or blocked by bricks. Only the unwashed words "true colors" on the wall are faintly visible.
However, the case of Wu Ying has not been diluted by the rich flavor of the year, and Wu Ying's name is still the talk of people who go to work after the Spring Festival.
Unscramble the myth of wealth by the small boss of beauty salon
Chen Yidian, propaganda officer of Dongyang Municipal Government Information Office, seems to be satisfied with the handling of Wu Ying and Bense Group. He told the Democracy and Legal Times: "So far, the mood of employees and citizens of Bense Group is very stable, and there has been no radical group incident."
In addition to Wu Ying, four people involved in Yiwu were also criminally detained. The police have asked the bank to freeze the account of Bense Group and take action against the people and places involved in Dongyang, Yiwu, Zhuji and Jingmen in Hubei.
Wu Ying is a native of Tangxia Village, Geshan Town, Dongyang City, and has no prominent family background. My father used to be a contractor and my mother worked in agriculture. My personal experience is not complicated. After studying in Dongyang Technical School for a year and a half, I dropped out of school to do business.
In August, 2006, Wu Ying suddenly parachuted into the world and performed the myth of wealth. Before that, she was just a small boss who opened a beauty salon in Dongyang. Overnight, Wu Ying's natural color group swept Dongyang. The wealth and energy she has surprised Dongyang citizens: she bought more than 20 luxury houses at once; Buy expensive cars such as Ferrari, BMW and Nissan; Eat many stores in Hanning Road 100 in Dongyang; Opened 12 companies in dongyang within two or three months; The annual salary of department managers is as high as 500 thousand to 6.5438+0 thousand yuan, and each person is equipped with a high-end car; 3 months of continuous charitable donations of 6.3 million yuan; Try to open a car wash shop and laundry in Dongyang.
In less than a year, Wu Ying spent 350 million yuan in real money.
In 2006, Wu Ying registered and established Zhejiang Bense Holding Group, with himself as the chairman. According to the data of Bense Group, after years of operation in the capital market, the company turned to industrial investment. Is a "tourism, commerce, hotel chains, capital investment-oriented, set building materials, engineering construction, engineering design and decoration, home textiles, e-commerce, advertising media, entertainment services as one of the comprehensive group companies."
Two or three months after Wu Ying appeared, a media in Hangzhou reported in the third edition that "Dongyang women interpreted the myth of getting rich". Subsequently, another media in Hangzhou also launched a long report "How Billions of Wealth were Tempered" in two full pages. Then, a Shanghai media also followed up the third edition. The local media in Dongyang and Jinhua are even more "indiscriminate bombing". The endless rendering of the media paved a more dazzling Hongqiao for her to interpret the "myth of the rich" in a wider scope in the future.
In some reports, Wu Ying's wealth has expanded rapidly, which is said to be as high as 3.8 billion yuan. According to this data, she ranked 68th on the Hurun Rich List in 2006 and 6th on the list of the richest women.
Nevertheless, some people still question the source of Wu Ying's huge wealth. It is hard for people to understand that no one will spend their hard-earned money like this!
"Internet cafes, laundries, hotels and car wash shops invested by Wu Ying are all service industries. In a small city like Dongyang with limited population mobility, it is really incredible to spend hundreds of millions on these industries. " These investments give the impression that she just wants to spend the money as soon as possible.
True colors group disappeared overnight.
In the face of public opinion, Wu Ying seems to be prepared. 65438+1On October 24th, Wu Ying held a small-scale press conference in Hangzhou. She vowed: "All natural funds are innocent."
However, on the afternoon of February 10, a large number of police officers took control of all the stores of Bense Group in Dongyang in just a few minutes. That night, the Dongyang Municipal Government announced that Wu Ying had been criminally detained by the local public security organs on suspicion of illegally absorbing public deposits. The Dongyang Municipal Government has instructed relevant departments to form a assets verification team, and announced that creditors related to Wu Ying and Bense Group should register their debts at 2 pm on June 5438+0 1.
On the same day, four other people detained by Dongyang police also participated in the case of Wu Ying illegally absorbing public deposits.
From the morning of February 1 1, more than 1000 employees of Bense Group headquarters and its subsidiaries all queued up at their respective workplaces to receive their salaries.
On the same day, all the billboards of Bense Group on the Yiwu-Dongyang Highway and the streets of Dongyang City were removed, and the word "Bense" on the roof of the headquarters building of Bense Company was removed. Bricks and sand blocked the entrance of Bense Group Headquarters and Bense Concept Hotel.
Wu Ying and her natural color group disappeared overnight, just like Wu Ying and her natural color group suddenly came to Dongyang a few months ago.
In fact, after numerous media reports about the source of Wu Ying's huge wealth, the government and relevant departments have begun to investigate, including the anti-money laundering department of Dongyang Branch of the People's Bank of China. As early as June 5438+ 10 last year, the anti-money laundering department conducted a seven-day secret investigation on Wu Ying, and found that she was suspected of serious financial crimes, and informed the Zhejiang Provincial Public Security Bureau of the situation.
The Zhejiang Provincial Public Security Bureau has basically found out the source of funds of Wu Ying on June 5438+065438+1October 20th, and put the case on file as "1 1.20".
"Except for a few leaders, nobody in Dongyang knows that Wu Ying has been investigated. But then there are two sessions in Zhejiang Province and Dongyang City. On February 10, the day after the end of the two sessions in Dongyang, the Zhejiang Provincial Public Security Department ordered Dongyang police to take action. " A person familiar with the Zhejiang Provincial Public Security Department revealed.
Creditors who provided huge sums of money never showed up.
According to police investigation, Wu Ying's money comes from private loans. The popular saying in Dongyang folk lending circle is that in 2005, Wu Ying was famous in Yiwu folk lending market. By chance, Wu Ying met a Yiwu boss. The boss not only pulled Wu Ying into the loan market, but also provided 5 million yuan as the start-up capital. Since then, high interest rates have made Wu Ying famous in the lending market. According to widely circulated news, the boss who provided Wu Ying with the largest loan amount has lent her more than 600 million yuan.
According to police investigation, Wu Ying borrows money from the public at a high interest rate of more than 3 points per month, with the highest interest rate exceeding 1.
A middle-aged man who invested in real estate in Jinhua lent Wu Ying1180,000 yuan last year. At that time, Wu Ying borrowed money from him in the name of cooperation on a local real estate project in Jinhua, with a monthly interest rate of 8 cents. After repeated urging, Wu Ying returned 5 million yuan, leaving 6.5438+0.3 million yuan, which has never been seen. According to this man, many bosses in Yiwu took a fancy to Wu Ying's high interest rate, borrowed money from the people at a rate of 50 cents, and then lent it to Wu Ying.
Just two weeks before Bense Group was seized, a boss in Dongyang just signed a mortgage contract with Bense to lend Wu Ying 4 million yuan at high interest rate. It is said that the contract also states that Zhense will use a property worth 7 million yuan as collateral, and the house that cannot be repaid due will be owned by the creditor.
From the afternoon of February 1 1, four departments, including taxation and auditing, jointly registered the creditor's rights and debts of Bense Group, with a registered amount of only tens of millions of yuan, but mainly the project payment, material payment and car wash card. Until February 26th, the creditors who provided huge loans to Wu Ying never showed up.
According to insiders, Wu Ying did not borrow directly from ordinary people, but only from loan sharks, including professional loan sharks. "These people first let the guarantee company come forward, get a low-interest loan from the bank, and then lend the bank's money to Wu Ying at a high interest rate through the intermediary."
In fact, in Yiwu and other places, these professional loan sharks often appear as "loan intermediaries", first absorbing deposits from home at an interest rate of about 5 points, and then lending at an interest rate of more than 8 points to earn intermediate spreads.
Experts said that Wu Ying was able to absorb huge amounts of money in a short time, on the one hand, because she was tempted by high interest rates, and more importantly, she used media hype to improve her popularity and reputation. Most people who lend money to Wu Ying lend hundreds of thousands or millions to Wu Ying only because they believe some media reports.
The local media in Zhejiang said that Wu Ying and the behind-the-scenes staff took the initiative to make a high-profile appearance through the media. People who have dealt with Wu Ying directly think that Wu Ying is an empty shell representative of the true color dynasty, and there are real manipulators behind it.
Private lending challenges financial policy.
Wu Ying's case exposed the lag and loopholes of financial management in coastal areas such as Zhejiang where private capital was active.
According to relevant sources, in the process of checking natural accounts, there are as many as 40 personal accounts in Wu Ying. China's relevant laws and regulations clearly stipulate that the same person is never allowed to set up so many accounts. If the supervision is strict, the illegal operation of Wu Ying and Bense Group will not go so far in a short time. Imagine if Wu Ying had not been so ostentatious at first, would she have been safe? Have industry and commerce and taxation been carefully checked?
But up to now, the definition of private lending and illegal absorption of public deposits in relevant laws and regulations is still vague. According to the relevant regulations of the State Council, "illegally absorbing public deposits refers to the activities of absorbing funds from unspecified social objects without the approval of the People's Bank of China, issuing vouchers and promising to repay the principal and interest within a certain period of time." However, the relevant laws do not give clear provisions on how much citizens borrow or how much they borrow is within the scope of the law, especially under what circumstances they violate the criminal law.
Zhejiang has a tradition of "storing wealth for the people", and the tradition of private financing can be traced back to the 1970s. At that time, many small and medium-sized enterprises mostly used private financing and rarely borrowed from banks. This situation has continued to this day.
According to the estimation of Hangzhou Central Branch of China People's Bank, the scale of private financing in Zhejiang Province has reached 6543.8+30 million to 6543.8+50 million yuan. At present, there are 30 Yiwu guarantee companies registered in the Industrial and Commercial Bureau, most of which were established last year and this year, mainly engaged in short-term lending and guarantee business. In such a short time, so many guarantee companies have emerged in a county-level city, which shows the huge amount of private idle capital.
"To get a bank loan, you need a mortgage, and the approval time is also very long. When you get the loan, the opportunity has been missed. " Mr. Chen, who is engaged in foreign trade business, said, "Find a few friends and make a profit of about 20 cents a month, and millions will arrive in a few days."
Interest on loans is popular in Yiwu and Yoichi Higashi, accounting for 3% of the principal every month. If 6,543,800 yuan is lent, the annual interest will reach 360,000 yuan.
Tong, a senior lawyer and master of finance at Zhejiang Wulian Law Firm, said that the legal consequences of Wu Ying's case may be: First, the crime of illegal fund-raising. China's criminal law stipulates that illegal fund-raising through fraud for the purpose of illegal possession constitutes a crime. Secondly, it constitutes the crime of illegally absorbing public deposits. The third is that it does not constitute a crime.
Tong said that according to the current media disclosure, he tends to think that Wu Ying does not constitute a crime. It is illegal to borrow money from the people at high interest rates, but whether it constitutes a crime depends on whether it violates the criminal law. The interest rate of private lending can be four times higher than that of banks, which is not protected by some laws, but it does not mean that high private lending is a crime. To constitute the crime of illegal fund-raising, several conditions must be met: first, it must be aimed at illegal possession; The second is to obtain fund-raising by fraudulent means. At present, Wu Ying will invest the borrowed money for the purpose of no illegal possession. As for whether it constitutes the crime of illegally absorbing public deposits, the key depends on whether she has absorbed deposits from an unspecified public. If you just borrow money from a specific group of people or even an introduced boss, it is not absorbing public deposits. Because those deposits are absorbed by bosses who have spare money and want to make huge profits.