The explosion of China Housing Department has pointed out a bright road for investors' rights protection!

In this paper, the dialogue between five-star wealth investors and the person in charge is resumed, and at the same time, the problem of asset handling and redemption behind the housing department of the parent company of five-star wealth is deeply explored, which can be used as a reference for investors who need to defend their rights, especially in the process of "circling" with the platform, and avoid detours on the road of safeguarding their rights.

This Dragon Boat Festival is really not calm. On the day before the festival, Tang thundered. On the first day after the festival, Five Star Fortune issued a liquidation announcement: the platform stopped adding new investment targets and business operations, and conducted an inventory of all assets and debts of the company from June 19 to July 25, 1965, and paid the investors' principal and expected income in different proportions by stages from June 18. The first one is

It is doubtful that a few days before the Dragon Boat Festival holiday, Wuxing Fortune was still doing the Dragon Boat Festival gift-giving activity-"Dragon Boat Festival on the tip of the tongue". During June11-June 12, the gift box will be delivered as soon as a certain amount of investment is made, and the gift box will be delivered if more money is invested, and the top is not capped. Official website has also made significant compliance actions recently.

The first working day after the holiday is called "benign retreat" because of compliance pressure, which is very ironic. The reasons for retiring in this announcement are not convincing at all.

A few days ago, it was still fresh in my mind that more than 0/0% of Guo Shuqing/KLOC's income was about to lose all its principal. Sure enough, the high-return wool platforms such as Tang, Wuxing Fortune and Finance closed down one after another. I guess the real reason for repaying the five-star wealth is that the cash in the account is not enough to support the withdrawal request during the Dragon Boat Festival. In order not to break the funds immediately after the Dragon Boat Festival, it is better to stop withdrawing cash now and quit benign.

First, the inquiry of large investors

On June 19, several big investors couldn't sit still when they saw the announcement of withdrawing from the group, and immediately rushed to the five-star wealth company from all over the country. A dozen people gathered around Wang Taotao, CEO of Five-Star Fortune. The following are the official answers of some investment users (voice-to-text version).

1. Who will supervise the payment? What if there is an unpaid period?

A: The Board of Supervisors will supervise. If one issue is not handed in, it means that we have not handled it properly.

2. Can you shorten the redemption period? Can the down payment ratio be increased? In addition, the down payment ratio is so low, does the platform want to reinvest the funds in its hands to earn income?

A: It is possible to shorten the time limit, because if Mr. Liu's project is handled smoothly, the money arrives quickly and the amount is high, then we may shorten the time limit. As far as the down payment ratio is concerned, it cannot be increased because there is no money at hand.

3. Is the personal logo of XX Company in the late five-star fortune true?

A: The tender was given to us by the group, and then we were responsible for raising it.

4. Can the investor supervision committee established by Five Star Fortune be made public?

A: The committee is made up of customers. They supervise us. I can't decide. Personally, I think we should trust more and don't need to publish the list.

5. With so many assets under Liu Liehe's name, why not mortgage some of them to redeem them first?

A: There was a shortage of funds on the platform before. Mr. Liu has disposed of the assets to solve the problem. At present, there are no assets in his name that can be mortgaged again.

6. Where did the first 3% of the funds come from, and the payment ratio in previous installments was low? Is it also the money for selling the project? Do you have a reserve fund?

A: There is no reserve fund, and the plan comes from the project, because the project amount itself is very large, and it is impossible to pay us all at once. In the case that the project funds are not in place, the group and Mr. Liu should be able to increase this ratio. Considering the overall situation, determine this ratio.

7. Clarify the change of legal person. Who is the new legal person and why do you want to change it?

A: The new legal person is Mr. Liu's uncle, because it is convenient to sell the project, because Mr. Liu has a lawsuit. If everyone has a sense of justice to this point, Mr. Liu said that he can change it back. Moreover, the change of legal person can not be changed immediately. We have discussed changing the legal person for filing, storage and operation, but these factors no longer exist.

8. Is the Nanlian Old Reform Project wholly owned by Five Stars?

A: The Nanlian project belongs to China Housing Group.

9. When I went there on Tuesday, when the police coordinated the office address, the owner of Kerry Building was stopped. The landlord said that Kerry's rent was paid in August, which means he is ready to disappear at any time? Not only has the legal person changed, but the registered address of Five Star Fortune has also changed.

A: The Market Supervision Bureau coordinates the office address, and Kerry is the location of the group. I don't remember the lease. I will ask tomorrow. If it expires, you can renew the lease, but it's a little expensive here, so you should consider whether to stay here or change to a cheaper place. After all, money is tight now.

10. How much cash is there in the company account?

A: I only know that Wuxing has more than 300,000 yuan, not much in the group. This 300 thousand is used to maintain the most basic operating expenses, so I also consider whether to change to a cheaper place.

1 1. Even if the Nanlian project is sold, how can it be guaranteed to be paid to the five-star wealth? How to solve the funding problem if the Nanlian project can't be sold?

A: This is a good question. We can supervise the collection account. We are also discussing this issue today. This method is tentatively set at present.

12, the investment friends in the group should all hope that Liu Liehe will make an announcement with unlimited joint liability and not sign a repayment agreement.

A: We can sign an agreement and hang it up. We discussed it with you, but it is not feasible. The main thing is to sell the project.

13, the Nanlian project is real. One problem is that the winning bidder is Zhong Fang Pengcheng Real Estate, not Zhong Fang Wei Ying announced by Five Stars. Zhong Fang Pengcheng is a wholly-owned subsidiary of Wei Ying, Zhong Fang. Where is the five-star money used?

A: Zhong Fang Pengcheng is a project company, and Wei Ying 100% holds the shares. To tell the truth, I don't have the five-star funds after we pay the bill, but as a manager, I will also talk to my colleagues about the funds invested by the group in these two projects.

Second, make a brief analysis according to the above questions and answers.

1. They said there was only 300,000 in the five-star account. At present, the five-star needs to return more than 2 billion investors. According to 3% of the first announcement, it needs 6 million yuan. It is doubtful whether the first installment can be repaid normally.

I don't think it's possible for them to have only this little money in their accounts. They also do activities during the Dragon Boat Festival. Some customers can't withdraw funds from five-star accounts even if they don't reinvest. Where did the money go? The money raised before the announcement of retirement must still be in their company account. Because there are few five-star monthly signs, most of them are still March signs and half-year signs, so there is a high probability that there is money in the five-star wealth account.

2. As for the flow of funds, the five-star person in charge left the pot to the shareholder Zhong Fang Group, saying that they did not have the right to approve the project. The subtext is that the capital flows to the South Union project controlled by Zhong Fang. But so far, its shareholders have not made any responsible statements. The authenticity of the target was also thrown to shareholders.

3. Several large investors present signed a redemption guarantee agreement with Liu Liehe, the actual controller of Five-Star Fortune, and promised to undertake unlimited guarantee responsibility within two years. The so-called big family, it is said that some people have invested 38 million, and there are several investors with more than 4 million. They don't want to take criminal cases. They control Liu Lie and can handle projects in the Federal Republic of Yugoslavia in order to get more compensation.

However, large households are unwilling to accept criminal cases, because they have the capital to negotiate with the person in charge and the privilege to get the first compensation, so retail investors are not so lucky. Capital is fighting for meat, and retail investors may not even drink soup.

4. The supervision committee of five-star wealth not only supervises the collection account of five-star wealth, but also supervises the payment of each five-star wealth. However, this responsible supervisory committee has refused to publish the list. However, Wang Tao Tao, the head of the five-star company, insisted on trust, even failed to complete the payment, and used "we didn't handle it well" to prevaricate, without mentioning the handling method of the board of supervisors.

As far as the current situation is concerned, the duty of the supervisory Committee is only supervision, but there is no supervision.

5. Nanlian old reform project is an important support for the repayment of five-star wealth at present. If the project can be successfully handled, the pressure of redemption can be greatly alleviated. However, when asked whether the Nanlian Project is wholly owned by Five Stars, the person in charge did not give a clear answer, only indicated that it is the asset of Zhong Fang Group, but it was not clear whether it was "wholly owned". The following will also focus on this matter.

In addition:

From the announcement of liquidation claims to the current dialogue between investors and the heads of five-star wealth, the situation is not optimistic. However, as victims, investors always have a subtle relationship with the platform of the perpetrators. When the platform gives some good news, investors can be so excited that they forget the pain of losing most of their principal. Psychologically, the country-Stockholm syndrome has at least some similarities, also known as hostage conspiracy.

It shows that the victim has psychological dependence on the hijacker. Their (funds) are in the hands of the hijackers, and they are grateful if the hijackers let them live. So that it became fate with the hijackers, taking the future of the hijackers as their own future, and even taking the rescuer as the enemy's attitude.

The "Tao Tao" in the dialogue is Wang Taotao, CEO of Five Star Fortune. According to insiders, when someone puts forward the problem of the completion of five-star wealth redemption and attacks it, they will be countered by these investors with hostage complex, thinking that this is a "black spot".

When the phrase "Tao Tao protects itself" and "leaves a long story in the online loan industry" appeared, I vaguely thought that the CEO of Five-Star Fortune was the victim. When this external window becomes the only life-saving straw for investors, how much courage do we have to face the failure of this straw?

Thirdly, the meaning behind the China Housing Department.

At present, the legal person of the platform is Liu Junxi, the supervisor is Mo, the shareholder is the company, and the ultimate controlling party is United Qianhai Real Estate Investment Co., Ltd.

Zhong Fang's control path can be seen visually:

Zhong Fang United Real Estate Group Co., Ltd.

5 1%↓

Zhong Fang United Group Qian Hai Real Estate Investment Co., Ltd.

100%↓

Zhong Fang United Group Qianhai Fund Management Co., Ltd.

80%↓

Shenzhen Wuxing wealth internet finance service co., ltd

Song Xingcheng, the original founder of Five-Star Fortune, withdrew on 20 16 and 12, and the shareholders were replaced by Zhong Fang United Group Qianhai Fund Management Co., Ltd., which became a complete platform of Zhong Fang Department.

As China Housing Group has invested a lot in foreign P2P, it has formed a system.

Including salted fish financial management, which issued a liquidation announcement on June 22nd, and its operating entity, Shenzhen Yinzhong Huarong Financial Holdings Co., Ltd., is also held by Zhong Fang Qianhai Real Estate. Therefore, salted fish financial management belongs to Zhong Fang's financial management platform.

It is worth pondering that the redemption announcement of salted fish financial management is basically the same as that of five-star wealth in terms of text, layout and redemption method. The announcement of five-star wealth seems to have changed a few words and sent it to salted fish for financial management.

But also followed the gourd painting gourd ladle, and also set up a liquidation group and investor supervision Committee.

From this point of view, the payment of salted fish wealth management is also very likely to get a share of the five-star wealth-all of them are staring at the realization of the assets of Zhong Fang Group.

In the last article, what is the current situation of the assets being realized?

Having said that, I have to mention the relationship between China Housing Group and I Wealth.

I Fortune announced on June 20th that it was difficult to withdraw cash. According to the operation report of I Fortune in May, there were 290 million to be collected.

As mentioned above, it is not clear whether the five-star wealth is wholly owned by SAARC, and this SAARC project is also closely related to I wealth.

From the inquiry of equity relationship, we can see that both I Wealth and Five-Star Wealth have the shadow of China Housing Department in shareholder relationship, and not only that, but also have a lot of connections in actual business.

I Fortune is a wholly-owned online lending platform under Shenzhen former Hai Dafu Capital Management Co., Ltd., and its parent company was established on 2065438+September 22, 2005.

It can be seen that Zhong Fang United Group Qianhai Fund Management Co., Ltd. holds 5% equity of I Fortune and 80% shareholder of Five Star Fortune.

I Fortune's actual operating company, Shenzhen Hengxinde Investment Management Co., Ltd., has a real estate investment project with Zhong Fang Group Qianhai Investment Co., Ltd.

Including the property of Shenzhen Ping 'an International Financial Center and the old renovation project of Nanlian Village in Longgang District, Shenzhen, etc. If Hengxin International and Zhong Fang Group jointly invest in these real estate projects, what proportion of the final project funds should be paid?

Is it first used for the liquidation and redemption of wealth?

Or for the liquidation and redemption of five-star wealth?

As can be seen from the liquidation announcement of I Wealth, it is clearly mentioned that the fixed assets of Hengxin Group are used to cover the platform to be collected. Has Nanlian Project also become one of the assets disposal objects of Hengxin? This is doubtful.

As far as the current situation is concerned, the financing of Five-Star Fortune depends to a great extent on the old project of China Housing Group Nanlian, but the cooperation intention of this project was not reached until June 20 18, not to mention that a large amount of capital investment was needed in the early stage, and the return period was relatively long. How to operate and deal with it is a difficult problem. Remember, this is just a project to be developed. How much can it be worth?

Are there any other heavy assets under the China Housing Group?

Yes, we found that Zhong Fang Qianhai jointly acquired Yulin Convention and Exhibition Center, a landmark building in Yulin, and said it had an estimated market value of 296 million yuan.

Then why not sell this landmark building with great market value to redeem the five-star wealth?

The answer is wealth.

I Fortune announced on June 2 1 day. When taking inventory of key assets, it was mentioned that the store of Guangxi Yulin International Convention and Exhibition Center was 6 1 1, with a total area of15000m2. At present, the asset appraisal value exceeds 300 million, and the market value exceeds 500 million, which can completely cover the remaining funds of I Wealth.

Oh? Does Yulin International Convention and Exhibition Center belong to Hai Dafu, the parent company of I Fortune, or Zhong Fang Group, the parent company of Five-Star Fortune?

If Zhong Fang Group holds landmarks, why can my wealth give priority to payment and completely cover the balance of payment, while five-star wealth does not mention Yulin landmarks at all, but uses a paper of Nanlian project contract to prevaricate the payment difficulties?

If not, China Housing Group owns landmarks … Is there any equity participation?

All this should be aimed at the shareholders of Zhong Fang Group, who are inextricably linked with the shareholders of I Wealth. Judging from the current situation of rights protection, shareholders seem to sit back and relax behind the platform.

You can even make a bold guess. On June 6th, just reached the cooperation intention of the old reform of South Union, which will be sold and disposed of in mid-June to fill the redemption hole of five-star wealth. Why is the timing so coincidental? Or is there a liquidation plan, and the old reform of the South Union is just an excuse to delay the time?

Since Zhong Fang Qianhai claims to have abundant funds and numerous real estate assets, why should it give an insincere 12 payment plan? All this may be answered not only by Liu Lie and himself, but also by the shareholders of Zhong Fang Group.

If you come to the door and ask the actual controller (not the platform speaker), there are ways to get back the hard-earned money as much as possible. If there is no demand for the principal, it is recommended to report the case immediately. Police access will freeze the platform funds, control the actual controller behind it, and avoid the time when funds are transferred to the actual controller.

Please note that all the property involved in illegal fund-raising will be returned in full according to the full principal, and in the proportion of fund-raising if not in full.

Secondly, in order to meet the filing standards, no matter how much money, we must actively report the case to the public security organ and get a receipt for filing. Only when there are enough reports can the police attach great importance to it. Don't trust personal ability and the character of financial platform too much, but trust the ability of public security organs and state machines.

To repeat, only when there are enough people reporting the case can the police attach great importance to it. The public security bureau's filing standard is that the total number of people reaches 30, and the amount exceeds 1 10,000. I need to report to the public security bureau where the platform is registered in person.

4. What should I prepare to report to the public security organ?

1. Description of reporting situation: There is no fixed template for reporting situation, and it should be written according to the requirements in the attached photos, and the details of each unpaid contract should be clearly written according to the requirements in the photos.

2. Copy of ID card: in the blank space, it says: "The above copies are the same as the raw materials, provided by me and signed by me". Date, fingerprint signature.

3. Copy of bank card: write in the blank: "The above copy is the same as the raw materials, provided by me, signed by me", indicate the date and the signature place by handprint. I invested in that card myself. If there are multiple cards, I will make copies of multiple cards. )

4. Copy of the contract: the following words should be written in the blank space of every page of all unpaid contracts: "The above copies are the same as the raw materials, provided by me and signed by me", and the date and handprint at the signature place must be on every page.

In addition, in the upper right corner of the first page of each contract, please write the corresponding bid number, such as "YEATION No.3 Bid 20 18-*", which is convenient for taking the report.

5. Bank flow Original: Bank flow begins with investment, not a depository bank, but a card invested by itself. If there are multiple cards, you can print the serial number of multiple cards on the counter or self-service machine (at the same time, you need bank seal, red seal and black seal).

When the platform you invest in is liquidated and redeemed, you should carefully identify the credibility of the assets behind it and control the supervision authority in your own hands. What the person in charge of the platform and the actual controller say is usually full of confusion. The platform that has the ability to pay with confidence has long been resolved when redemption occurs, so such a long process will not be implemented.

Human nature is generally similar, and everything can be traced.