Tangled constantly! Minsheng Bank sued "Pan-Sea Department" and Lu Zhiqiang, demanding more than 7 billion yuan in debt.

65438+1October 20th Minsheng Bank (6000 16. SH) It is announced that Beijing Branch of the Bank has launched a series of actions against Wuhan Center Building Development and Investment Co., Ltd. (hereinafter referred to as "Wuhan Center Company"), Wuhan Central Business District Co., Ltd. (hereinafter referred to as "Wuhan Center Company") and Oceanwide Holdings Co., Ltd.

It is worth mentioning that Lu Zhiqiang is not only the chairman of Oceanwide Group, the sixth largest shareholder of Minsheng Bank, but also the vice chairman of Minsheng Bank. On February 28th last year, 65438, Lu Zhiqiang, as the vice chairman of Minsheng Bank, attended the 30th meeting of the 8th Board of Directors of Minsheng Bank by telephone/video connection.

In recent years, Minsheng Bank has been entangled with the "Oceanwide System". According to the reporter of Dunanwan Financial Society, since last year, some shares of Minsheng Bank held by Pan-Ocean Department have been frozen four times, and the proportion of pledged shares of the bank is close to 100%.

A complaint demands repayment of the principal of more than 7 billion yuan.

Why sue Lu Zhiqiang and his "Oceanwide System"? The announcement disclosed by Minsheng Bank shows that the borrowers Wuhan Central Company and Wuhan Central Company failed to fulfill their repayment obligations as agreed in the contract, and Oceanwide Holdings and Lu Zhiqiang failed to fulfill their guarantee obligations.

Minsheng Bank said that in order to protect its legitimate rights and interests, its Beijing branch sued Wuhan Central Company and Wuhan Central Company in Beijing Financial Court according to law.

Minsheng Bank issued an announcement on litigation matters.

The announcement shows that from 2065438 to June 2008, Wuhan Central Company signed the Fixed Assets Loan Contract with Beijing Branch of Minsheng Bank. The loan amount agreed in the contract is RMB 4 billion, and the principal is still RMB 3.972 billion. The guarantee methods are mortgage of land and projects under construction of Wuhan Central Project, Oceanwide Holdings and Lu Zhiqiang Guarantee.

In March 2020, Wuhan Central Company and Minsheng Bank Beijing Branch signed the Fixed Assets Loan 2 Loan Contract, with the agreed loan amount of 3.066 billion yuan and the principal still being 3.046 billion yuan. The guarantee method is five pieces of land under the names of Wuhan Central Company, Oceanwide Holdings and Lu Zhiqiang.

In terms of litigation request, Minsheng Bank Beijing Branch proposed that the defendant Wuhan Central Company be ordered to repay the plaintiff's loan principal of 3.972 billion yuan, and the defendant Wuhan Central Company be ordered to repay the plaintiff's loan principal of 3.046 billion yuan, as well as the corresponding interest and penalty interest, as well as the interest and penalty interest as of the actual settlement date.

In addition, the branch proposed to order the defendants Wuhan Central Company and Wuhan Central Company to pay the plaintiff all the expenses for realizing the creditor's rights and security rights; The plaintiff was ordered to enjoy the priority of compensation for the mortgaged property or the proceeds from auction and sale under the name of the defendant Wuhan Central Company or Wuhan Central Company within the scope of the creditor's rights determined in the above litigation request.

We also suggest that the defendants Oceanwide Holdings and Lu Zhiqiang be ordered to bear joint and several liabilities for the debts of Wuhan Central Company and Wuhan Central Company as determined in the aforesaid litigation request.

At present, the case has been filed, but it has not yet been heard.

In this regard, on the evening of 654381October 20th, Oceanwide Holdings announced that as of the disclosure date of this announcement, the company had not received the notice of responding to the lawsuit. In addition, in view of the ongoing litigation, it is impossible to estimate the final impact on the company at present.

The shares of Minsheng Bank held by "Pan-Ocean Department" were frozen again.

It is worth noting that just the day before the aforementioned litigation announcement, Minsheng Bank just announced that the equity of Minsheng Bank held by "Oceanwide Department" is waiting to be frozen again.

19 June 65438+ 10/0/9, Minsheng Bank said in the announcement that it had recently learned that about/kloc-0.8 billion shares of unrestricted shares of Minsheng Bank A held by shareholder China Oceanwide Holding Group Co., Ltd. (hereinafter referred to as "Oceanwide Group") were waiting to be frozen, accounting for 4% of the total share capital of Minsheng Bank.

According to the announcement, as of June 5438+ 10/9, 2009, Oceanwide Group and its concerted actions held about 2.554 billion shares of unrestricted shares of Minsheng Bank, accounting for 5.83% of the total share capital of Minsheng Bank. Among them, the pledged shares account for 99.86% of all the shares held by Oceanwide Group and its concerted parties.

Oceanwide Group and its concerted parties freeze the cumulative waiting list of shares.

In fact, this is not the first time that the shares of Minsheng Bank held by the "Oceanwide Department" have been frozen.

On March 17, 2022, Minsheng Bank announced that1800 million shares of Minsheng Bank A shares held by Oceanwide Group were frozen by the judiciary and marked as waiting for freezing by the judiciary, of which about 389 million shares were waiting for freezing, about141100 million.

At that time, the announcement showed that due to the bond transaction dispute between Qianhai Life Insurance and Oceanwide Holdings and Oceanwide Group, the total amount of creditor's rights and execution expenses involved was about 538 million yuan, and the Beijing Financial Court imposed judicial freeze, judicial marking and waiting freeze on the 65.438+08 billion shares of Minsheng Bank held by Oceanwide Group.

Less than a month later, Minsheng Bank announced again on April 8 last year that14110,000,000 unrestricted shares were all to be frozen, accounting for 4 1 1% of the total share capital of Minsheng Bank.

On July 22, this equity was frozen again. Minsheng Bank announced at that time that due to property preservation, the Beijing Financial Court held a waiting freeze on the 65.438+0.799 billion A-share unrestricted shares held by Oceanwide Group.

The balance of loans related to "Pan-Ocean Department" exceeds 20 billion yuan.

In recent years, the large loans provided by Minsheng Bank to the "Oceanwide Department" have also attracted much attention from the market.

According to the 20021annual report of Minsheng Bank, by the end of 20021,the loan balance of Oceanwide Group, the major shareholder of Minsheng Bank, and its affiliated enterprises in Minsheng Bank was 2121900 million yuan.

Previously, the 15th meeting of the Eighth Board of Directors of Minsheng Bank deliberated and passed the Proposal on Unified Credit Granting to China Oceanwide Holding Group Co., Ltd. at a price of 202116.05 million yuan, and agreed to grant Oceanwide a maximum credit line of 216.05 million yuan and an expenditure limit of 216.05 million yuan.

However, the heavily indebted "Oceanwide System" failed to repay the loan to Minsheng Bank as scheduled, and the maturity date of some financing was extended one after another.

On September 8, last year, Oceanwide Holdings announced that in recent years, due to the needs of business development, the company applied to Minsheng Bank Beijing Branch for a number of financing, and the financing amounts were 2.4 billion yuan, 65.438+78 billion yuan, 2.7 billion yuan and 2.32 billion yuan respectively (distributed in two phases, each with 65.438+0./kloc-0.60 billion yuan). After friendly negotiation with Minsheng Bank, the company added risk protection measures to the above financing and extended the maturity date of the above financing one after another.

Oceanwide Holdings said that the company intends to apply to Minsheng Bank to adjust the above financing arrangements, and the core conditions such as financing amount, financing cost and risk protection measures remain unchanged. The specific scheme is as follows:

It is worth mentioning that the non-performing loan ratio of Minsheng Bank's real estate industry has gradually increased under the background of huge debts such as "Oceanwide" and Evergrande Group.

According to the bank's 20021annual report, by the end of 20021,the total real estate loans of Minsheng Bank were 360.302 billion yuan, down 65.438+07.95% year-on-year, of which the total non-performing loans were 9.574 billion yuan, up 265.438+04.93% year-on-year, and the non-performing loan ratio was 0.

In view of the sharp increase in the non-performing loan ratio in the real estate industry, Yuan Guijun, vice president of Minsheng Bank, said at the bank's 20021annual general meeting last June that the real estate risk of Minsheng Bank was controllable as a whole.

Yuan Guijun pointed out that, first of all, in terms of projects, Minsheng Bank's corporate real estate loans are mainly real estate development loans, and there are specific solutions for mergers and acquisitions and urban renewal. Judging from the distribution of business forms, the bank mainly focuses on saleable residential projects, of which 94% are residential, and commercial properties and other non-sale categories only account for a very small part.

"Our bank implements strict regional consolidated management of real estate loans. The development of public real estate in Guangdong-Hong Kong-Macao Greater Bay Area, Yangtze River Delta, Chengdu-Chongqing and Beijing-Tianjin-Hebei reached 68%, and other projects were mainly distributed in cities with separate provincial capital plans. " Yuan Guijun said.

From the perspective of guarantee methods, the bank's guarantee methods mainly include land construction project mortgage, additional pledge of project company's equity and joint personal guarantee provided by operation group.

However, the real estate risk situation of Minsheng Bank seems to be still not optimistic. The bank's semi-annual report for 2022 shows that as of June 30 last year, the bank's total real estate loans were 359.259 billion yuan, a decrease of 654.38+43 billion yuan compared with the end of last year, of which the total non-performing loans in the real estate industry were 654.38+0.0755438+0 billion yuan, and the non-performing loan ratio was 2.99%, which was higher than that in 202655.