Many investment companies in Ji'nan promise 18% annual interest rates with several leaflets.
since last year, the streets of Ji'nan suddenly come out of large and small investment (guarantee) companies, they all say: the investment is easy and easy. The threshold is low, "ten thousand yuan can"; high income, "the annual rate of return can be as high as 18%, the income is a dozen times the bank deposit"; no risk, "when the need for money can be changed at any time, the investment company has a compensatory obligation."
not only Ji'nan, many cities and even county towns in the province, but also many investment companies. They set out in the downtown area and painted beautiful scenes of money for investors. Is it really safe to invest in these investment companies? With questions, the reporter made an in-depth visit.
phenomenon 130 million the loan agreement only three terms
according to a distributed advertising leaflet, in the afternoon of May 6th, the reporter came to the "Shandong poly treasure cabinet Investment Co., Ltd." in the north gate of the two district of Ji'nan city city of water spring.
the business hall of the company has nearly 100 square, see a person to consult, a lady Li said, the company first introduced the annual yield of 20% of the preferential activities, now the discounts have been canceled, but still up to 18%.
Ms. Li said that the funds absorbed by the treasure pavilion are used in Henan the Yellow River people Industrial Co., Ltd. (hereinafter referred to as the Yellow River people) to expand reproduction. The latter mainly processed the local special iron bar yam, produced beverage and other products, or the processing enterprise of Wang Laoji.
in order to prove that it is not empty, Ms. Li took out two empty cans, one for yam drink and the other for Wang Laoji from the Yellow River.
Ms. Li said that Li Bao, a legal representative of Ju Bao Ge, is a senior executive in the Yellow River. A "loan agreement" of the treasure Pavilion shows that the the Yellow River industry borrows 30 million yuan from the treasure Pavilion, but the agreement is a copy, and there are only three terms, and the text is simple and casual. For example, the second, the Yellow River people "agreed to the company's value of 50 million yuan of office building 4683 square meters, mortgage to be guaranteed to party a", the position of the building, the age of construction, the status of property rights, and other elements do not involve.
the investor's investment procedure is also simple, extracting cash or transferring to the treasure Pavilion, and signing a three party agreement for investors, poly treasure pavilions, and the Yellow River people's industries. Ms. Lee said that during the signing process, investors could not contact directly with the Yellow River people, and everything was handled by the treasure house.
reporter noted that the terms of the three party agreement are relatively simple, roughly stipulate the investment quota, interest rate and liability for breach of contract. And a common bank loan format contract, more than ten or even dozens of pages, dozens of terms, two - phase contrast, this only one page of the three party agreement is really simple.
reporter asked how the capital of the investment can be guaranteed, there is no corresponding asset mortgage, Ms. Li said, "it is safe to invest in the treasure Pavilion, and there will be no problem." The reporter noted that in a register published by Ms. Lee, 4 months before opening up, only five or six investors came to consult.
2 can be more than more than 30 times
"compared to banks, we do have a lot of higher earnings here." The reporter then went to Shandong Yu Cheng, a Company limited by guarantee at the junction of eight Li wa road and Yulin Road, Ji'nan. Mr. Jia, the business manager, said that the investment of 100 thousand yuan for 1 years was only 499 yuan, and the deposit was only 3100 yuan. But in them, the annual rate of return reached 15.6%, and the income of 15600 yuan could be achieved. It was more than 30 times the bank's current account.
"our company was established in October last year and has now invested about 6 million yuan in investment." Mr. Jia said.
the next reporter also interviewed several investment companies, Shandong East Hong Investment Co., Ltd. also gave 18% of the annual yield of 500 thousand of the investment, Shandong Xingfeng investment Company limited by guarantee also gave a very high rate of return, Shandong new Kaida investment in 200 thousand of the investment Company limited by guarantee gave the expected annual income Rate of interest. "Some customers also want us to raise the yield a little bit, but if the yield exceeds 20%, the risk will not be controlled well." A business manager of the new Kaida said. While
promises high returns, these investment companies will also compare with the bank's financial products, claiming that the bank's financial products can not be paid in advance, and their investors can choose the amount of investment and time flexibly, the contract can be terminated at any time during the contract period, and 5/1000 of the monthly interest can be obtained in advance. The adult rate is up to 6%.
phenomenon 3 a financier did not inspect the high returns of the invested enterprise
with high risk. Investment companies often claim to be several times higher than banks, how do they prevent and control risks?
Ms. sun, a financial adviser to Hong Hong investment, said that the company first selected some enterprises with "high and new technology, high return on investment, stable upstream and downstream", and "need funds to expand production scale and new projects", and then carry out market prospects and core competition for these enterprises. Force, capital turnover and other aspects of the assessment, but also require enterprises to provide certain collateral.
"if an enterprise fails to cash in on the proceeds, we will first compensate for it and then auction the collateral, so there is no need to worry about the risk." Sun said that the investment company has the entrustment and authorization of the investor and will sign a three party contract before the investment to ensure the safety of investors' funds. In the contract, the "risk transfer" clause is also set up. After the investment is due, the investment company will pay unconditionally within 5 days if the investor can not return the principal and income.
however, when asked about the situation of the invested enterprise, Ms. sun only presented a brochure of Luoyang Esther Transformer Co., Ltd. She said she had not been to the enterprise, and investors only had the opportunity to go to the field after the transfer.
reporter participated in a propaganda organized by the company. The investment project recommended by the company's financial advisor is Luoyang Esther Transformer Co., Ltd. "Our head office has sent professionals to this factory in Sichuan for a long time and has a bright future in operation." But for the specific situation of the enterprise, the consultant only took out a simple propaganda material, and did not provide the related financial statements, bank running water and other enterprise operation data. (Zhang Lu and Zhang Di of our newspaper reporter)