Author: Feng Hao
On the afternoon of June 18, the Public Security Bureau of Xuchang City, Henan Province issued a police report through its official WeChat account, stating that on April 19, 2022, the Public Security Bureau of Xuchang City issued a legal notice to Henan New Fortune Group Investment Holding Co., Ltd. (hereinafter referred to as "Henan New Fortune Group"). ”) is suspected of major crime investigation.
Yicai learned that Henan New Wealth Group is closely related to the “red code” incident of Henan rural bank depositors that has attracted widespread attention recently.
"It is preliminarily found out that since 2011, the criminal gang headed by the company's actual controller, Lu Mou, has been suspected of using the village bank to commit a series of serious crimes. At present, the investigation of the case has made positive progress, and the public security organs have arrested a group of criminal suspects. Seal up, seize, and freeze a batch of funds and assets involved in the case." Xuchang Public Security Bureau stated that the suspected criminal behavior in the case lasted for a long time, there were many participants, and the case was very complicated.
The public security organs will further strengthen the investigation and handling of cases, prevent criminals from going unpunished and evade punishment, further increase the efforts to recover stolen goods and restore damages, safeguard the legitimate rights and interests of the people, and release the progress of the case investigation in a timely manner.
"Lu Mou" who started his business on the highway and once held bribes
The first financial investigation found that the actual controller of New Fortune Group is Lu Yi. Through its hundreds of companies all over the country, it has successively participated in and controlled many domestic city commercial banks, rural commercial banks and village banks.
Among them, including Yuzhou Xinminsheng Village Bank, Shangcai Huimin Village Bank, Zhecheng Huanghuai Village Bank, Kaifeng New Oriental Village Bank.
Since April 18 this year, Yuzhou Xinminsheng Rural Bank, Shangcai Huimin Rural Bank, Zhecheng Huanghuai Rural Bank, Kaifeng New Oriental Rural Bank, and Xinhuaihe Rural Bank headquartered in Anhui Province have been unable to withdraw cash normally, causing some depositors to panic.
Recently, multiple sources alleged that many depositors of the above-mentioned four village banks found that their health codes were "red codes".
Although there is not much information about Lu Yi and his fortune in the public information, in the financial circle of Henan, Lu Yi is a "person" who is often mentioned, a person who has had business dealings with him. Henan financial industry sources told Yicai that Lu Yi was born in 1974. Although he moved his nationality to Cyprus and introduced himself as the Liberian business investment representative in China and the chairman of Cyprus Aphrodite Investments His hometown is Nanyang, Henan.
And Lu Yi's real first pot of gold came from the highway.
On September 26, 2003, the foundation stone was officially laid for Lanwei Expressway from Lankao to Shenqiu in Henan. The actual controller behind the construction of Fang Lanwei Expressway Development Co., Ltd. was Lu Yi.
This 61-kilometer expressway has a total investment of 2.4 billion yuan, and Lu Yi has also obtained the right to charge the highway for 30 years.
In order to raise funds, Lu Yi mortgaged the expressway toll collection rights to the bank and borrowed the funds for road construction. Later, he used part of the funds to participate in financial institutions, and then mortgaged the equity of financial institutions for financing. In this way, Lu Yi successively Participated in many domestic city commercial banks, rural commercial banks and village banks.
However, even after the new wealth group gradually grew, the name of Lu Yi almost never appeared in the shareholder lists of these banks.
His clues eventually appeared in some court judgments.
The Zhengzhou Intermediate People's Court disclosed in the criminal judgment issued on September 20, 2018 that Lu Yi had borrowed more than 9 million yuan from Qiao Junan, the vice president of Zhengzhou Bank, in order to seek a loan. Later, in order to obtain more loans, he paid 2,300 yuan in bribes. More than 10,000 yuan, and the two also started a business of eating interest margins together. Qiao Junan was responsible for obtaining bank approval, and Lu Yi borrowed money and then lent it to some affiliated companies.
In this judgment, Lu Yi's identity is the chairman of the new wealth group.
Also in this judgment, Henan New Fortune Group issued a certificate stating that Henan Hailing Industrial Development Co., Ltd., Henan Qiwang Industrial Development Co., Ltd., Henan Aerospace Appliances Co., Ltd., Zhengzhou Chaofan Office Equipment Co., Ltd., and Zhengzhou Boaosen Electric Appliances Co., Ltd. Co., Ltd., Shijiazhuang Wenhao Trading Co., Ltd., Nanjing Heshenghe Trading Co., Ltd., Henan Dingjia Industrial Development Co., Ltd., Henan New Century Investment Co., Ltd., Zhengzhou Bojue Trading Co., Ltd. and other companies are actually controlled by Lu Yi.
Controlling financial institutions through shadow companies
The series of "limited companies" listed in the above judgment are just a small number of shadow companies that Lu Yi invested in.
It is through these shadow companies that Lu Yi penetrated into the financial industry and controlled or held a large proportion of many financial institutions.
According to the 2020 annual report of Luoyang Bank, Henan Hailing Industrial Development Co., Ltd. is a shareholder of the bank, holding 3.53% of the shares.
Tianyancha information shows that Henan Aerospace Appliances Co., Ltd. holds shares in Kaifeng New Oriental Rural Bank, Henan New Century Investment Co., Ltd. holds shares in Minquan Rural Commercial Bank, and Zhengzhou Chaofan Office Equipment Co., Ltd. holds Kaifeng Songdu Rural Commercial Bank. Equity.
Zhengzhou Boaosen Electric Co., Ltd. also appeared in Yuzhou Xinminsheng Village Bank, Runan Rural Commercial Bank, Shangcai Huimin Village Bank, Zhecheng Huanghuai Village Bank, Xinhuaihe Village Bank and many other rural commercial banks and village banks. in the shareholder list.
Among the shareholders of Yuzhou Xinminsheng Rural Bank, those directly related to New Fortune Group are not only Zhengzhou Boaosen Electric Co., Ltd., but another related company, Zhengzhou Jianwen Trading Co., Ltd., also holds 8.125 % equity.
This means that by establishing multiple shadow companies, New Fortune Group will not only participate in multiple financial institutions through a shadow company at the same time, but will also place multiple shadow companies in the same financial institution at the same time, eventually forming an equity stake. Concentration, so as to achieve the purpose of holding or holding a large proportion of shares.
This also makes the actual control of some of the village banks full of suspense.
For example, behind Xuchang Rural Commercial Bank, the major shareholder of Lianyuzhou Xinminsheng Rural Bank, is an active new wealth group.
Xuchang Deyitian Agricultural Materials Co., Ltd., the nominal largest shareholder of Xuchang Rural Commercial Bank, can also find a connection with Henan New Fortune Group.
On the China Judgment Documents website, a civil judgment of the first instance titled "Zhengzhou Kaitai Trading Co., Ltd. and Xuchang Deyitian Agricultural Materials Co., Ltd. over the equity transfer dispute" shows that on October 13, 2016, Kaitai Trading and the defendant Deyitian The Agricultural Materials Company signed the "Shares Holding Agreement". According to the agreement, Kaitai Trading entrusted Deyitian Agricultural Materials Company to purchase 7.0206 million shares of Xuchang Weidu Rural Commercial Bank, which were held by Deyitian Agricultural Materials Company on behalf of the company. It is 23378598 yuan.
Deyitian Agricultural Materials Co., Ltd. is only a nominal shareholder, and Kaitai Trading Co., Ltd. enjoys actual shareholder rights and benefits.
And Xuchang Weidu Rural Commercial Bank was the former name of Xuchang Rural Commercial Bank.
According to Tianyancha, Yan Yong, the legal representative of Kaitai Trading, indirectly participated in Henan Haohong Machinery Equipment Co., Ltd., of which Yu Zefeng was the legal representative.
And Yu Zefeng is the legal representative of Henan New Fortune Group and a major shareholder holding 80% of the shares.
In addition, Kaifeng Hengya Building Materials Co., Ltd. (hereinafter referred to as "Kaifeng Hengya"), which has never appeared in the shareholder list of Xuchang Rural Commercial Bank, was able to pledge the equity of Xuchang Rural Commercial Bank to the outside world.
In 2016 and 2018, Kaifeng Hengya pledged 20,158,600 shares and 63,141,400 shares of Xuchang Rural Commercial Bank to Founder East Asia Trust Co., Ltd. and Huaxin International Trust Co., Ltd. respectively, which have been shown to be valid pledges so far.
In the industrial and commercial information, the corporate phone number declared by Kaifeng Hengya is consistent with the aforementioned Henan Haohong Company.
The legal representative of Henan Haohong Company is also Yu Zefeng.
It is through such intertwined equity companies that New Fortune Group has penetrated into many domestic financial institutions, and through its shadow companies, it has become an invisible shareholder of these financial institutions, and eventually becomes an unstable factor that threatens financial stability.