Sino-Singapore Jingwei, June 22 (Wei Wei Ma Jing) Recently, a notice issued by the Public Security Bureau of Xuchang City, Henan Province shows that since 2011, Henan New Fortune Group Investment Holding Co., Ltd. (hereinafter referred to as New Fortune Group) has actually controlled The criminal gang headed by Lu Mou is suspected of using the village bank to commit a series of serious crimes.
According to multiple media reports, this Lu is businessman Lu Yi.
By manipulating a series of shadow companies, he got involved in a number of city commercial banks and village banks.
Although there is very little public information about Lu Yi, through the details of some cases disclosed on the Judgment Documents Network, it can still be found that Lu Yi's family cannot be separated from the care of many bank presidents.
What kind of president's circle of friends is behind him?
The fortune started at Lanwei Expressway
Who is Lu Yi?
Sino-Singapore Jingwei noticed that a media named "Jiu'an Celebrity TV" disclosed the information of a businessman named Lu Yi.
In March this year, an article titled "Lv Yi, Chairman of United Nations New Media Peaceever TV International Media, Tells the World a Good "China Story", was published on the Internet. The article mentioned that in 2021, Mr. Lu Yi will Elected as the new chairman of Peaceever TV International Media Group.
Photo source of Lu Yi: Internet
The article stated that Peaceever TV International Media Group Inc. is a non-profit new media organization headquartered in New York and managed by the Council. It is also approved by the United Nations Economic and Social Council and has special consultative status. NGO with many years of cooperation with the United Nations.
Judging from the photo of Lu Yi attached to the article, the appearance of Lu Yi, the actual controller of the new wealth group disclosed by the media, is very similar.
The website of Jiu'an Celebrity TV also has the relevant introduction of the chairman. At present, the introduction cannot be opened.
However, according to previous media reports, Lu Yi, born on June 15, 1974, Han nationality, from Zhenping County, Nanyang City, Henan Province, now lives in Jinshui District, Zhengzhou City, Henan Province, and later changed his citizenship to Cyprus.
In 2016, he founded the Aphrodite Investment Group in Cyprus, and has a series of funds in Geneva, Luxembourg and Paris, investing in various fields in China, Europe and North America.
How did Lu Yi make his fortune?
According to First Financial Report, the Lu family behind Lu Yi was mainly engaged in the home appliance circulation business. In 1997, Lu Yi and others co-founded Henan Aerospace Home Appliance Co., Ltd. This home appliance company has not entered the home appliance giants such as Gome and Suning. At the time of Kaifeng, it already had a certain influence in the local area.
And Lu Yi's real fortune probably originated from "Lanwei Expressway".
Lanwei Expressway is a section of the Rizhao-Nanyang Highway in the national key highway construction plan. It is an engineering project invested and constructed by enterprises organized by the Kaifeng Municipal Government.
According to public information, the construction company of Lanwei Expressway is Kaifeng Lanwei Expressway Development Co., Ltd. (hereinafter referred to as "Lanwei Expressway Company"), which was established in March 2004 and its legal person is Chen Tongjun.
Several media reported that the actual controller behind it was Lu Yi, and Sino-Singapore Jingwei also discovered that Lu Yi also appeared as a defendant in the court announcement involving Lanwei Expressway.
From the home appliance company to the construction of the expressway, how Lu Yi obtained the right to construct this expressway is still a mystery. Where did the hundreds of millions of funds for the expressway come from?
Source of bank data map: Photo by Zhang Yihua of China-Singapore Jingwei
According to a judgment, from 2003 to 2005, Lanwei Expressway Company applied for highway project loans in Jinmingchi branch of Industrial and Commercial Bank of China in 6 times, with a total amount of 1.1 billion yuan, and used the toll right of the highway from Lankao to Weishi. Provide pledge guarantee.
In addition to the 1.1 billion yuan loan from ICBC, from August 2005 to December 2008, Lanwei Expressway Company also signed a loan contract with China Development Bank, and CDB successively issued loans of 570 million yuan to Lanwei Expressway Company according to the contract.
During the period from 2009 to 2010, Lanwei Expressway Company also signed three loan contracts with Kaifeng Branch of China Construction Bank three times, with a total loan of 710 million yuan.
After this operation, Lu Yi loaned nearly 2.4 billion yuan from banks such as ICBC, China Construction Bank, and China Development Bank.
Cai Guohua, former chairman of Hengfeng Bank, illegally lent 3.5 billion yuan
In June 2019, ICBC Jinmingchi Sub-branch found that Lanwei Expressway's monthly repayment of 10 million yuan was suddenly interrupted.
After careful inspection, ICBC found that the account was frozen, and it was Hengfeng Bank that applied for the freezing.
This has to mention one of Lu Yi's "nobles" - Cai Guohua, the former chairman of Hengfeng Bank.
Another judgment disclosed that on August 29, 2017, Lanwei Expressway Company and Hengfeng Bank signed a "loan contract" of 3.5 billion yuan.
The contract stipulates that Lanwei Expressway Company will borrow 3.5 billion yuan from Hengfeng Bank for the equity acquisition project, and the target of the acquisition project is Shijiazhuang Lecheng Creative International Trade City Development Co., Ltd. (hereinafter referred to as Shijiazhuang Lecheng Company).
The then chairman of Hengfeng Bank was Cai Guohua.
In November 2017, Cai Guohua was investigated for suspected serious violation of discipline and law.
In November 2020, according to the official Weibo news of the Intermediate People's Court of Dongying City, Shandong Province, Cai Guohua was accused of abusing power, embezzling, embezzling public funds, accepting bribes, and illegally granting loans by state-owned company personnel.
In his judgment, it was mentioned that in 2017, Cai Guohua instructed bank staff to issue 3.5 billion yuan of loans in violation of regulations when he knew that the loan project he applied for did not meet the conditions for granting loans, causing particularly heavy losses to Hengfeng Bank.
According to media reports, this loan is exactly the equity M&A project loan that Lanwei Expressway Company applied to Hengfeng Bank.
As of the expiration of the contract in August 2019, Lanwei Expressway Company still owed Hengfeng Bank 3.2 billion yuan in loan principal and more than 100 million yuan in interest during the period.
In addition to Hengfeng Bank's 3.3 billion yuan, ICBC's remaining loan principal of 740 million yuan, CCB's 309 million yuan, and China Development Bank's 124 million yuan have not been written down, leaving only a few banks still working for this expressway. the right to charge.
Qiao Junan, the former vice president of Zhengzhou Bank, approved a number of loans
Lu Yi's wealth accumulation is also inseparable from another "friend of the president" - Qiao Junan, the former vice president of Zhengzhou Bank.
And it was Qiao Junan's first-instance verdict on the crime of accepting bribes that made the real identity of the actual controller of Lv Yixin Wealth Group come to light.
According to the first financial report, in this judgment, Lu Yi's identity is the chairman of the new wealth group.
It is also in this judgment that Henan New Fortune Group issued a certificate stating that more than ten companies such as Zhengzhou Boaosen Electric Co., Ltd. and Zhengzhou Bojue Trading Co., Ltd. are actually controlled by Lu Yi.
Zhengzhou Boaosen Electric Co., Ltd. is the shareholder of many village banks in Henan during this thunderstorm. The banks it has invested in include Yuzhou Xinminsheng Village Bank, Shangcai Huimin Village Bank, Zhecheng Huanghuai Village Bank, and Xinhuaihe Village Bank. .
However, a reporter from Sino-Singapore Jingwei found that the judgment could not be retrieved from relevant websites such as Judgment Documents Network, Henan Zhengzhou Intermediate People's Court, and the People's Court Announcement Network.
According to comprehensive media reports on Qiao Junan's first-instance verdict, Qiao Junan provided assistance to the corporate loans controlled by Lu Yi from 2007 to 2013, and Lu Yi in turn "paid" for Qiao Junan's household consumption and other expenditures in the form of loans.
The judgment shows that in 2007, Qiao Junan borrowed 600,000 yuan from Lu to buy a BMW for his son, 1.5 million yuan in 2009 to pay for the project, 2.9 million yuan in 2011 for decoration, and 4 million yuan in 2013 for investment.
In May 2015, because the family had no money and another 3 million yuan loan expired, Qiao Junan approached Lu and asked Lu to borrow 80 million yuan from the company he controlled, and then lent it to other companies controlled by Lu so as to benefit from it. In the form of interest differentials, we get about 24 million yuan.
The money was used to return the more than 9 million yuan previously borrowed by Lu, as well as personal loans and household use.
In 2017, Peng Jiajia, the original chairman of Zongheng Ecology, who bribed Qiao Junan, was investigated. Qiao Junan contacted Lu to refund the interest margin he had earned, but because he had no money to pay back, Lu helped Qiao Junan to find another company to borrow more than 20 million yuan to return it.
The Lu Mou here is Lu Yi, and the period from 2007 to 2013 when the two "relied on each other" in the above judgment was when Qiao Junan served as the vice president of Zhengzhou Bank.
According to the previous annual reports of Bank of Zhengzhou, Qiao Junan's term of office as vice president began in January 2005 until the end of 2013, and served as executive director of Bank of Zhengzhou from 2014 to February 2015.
During his tenure in Zhengzhou Bank, Qiao Junan continued to be in charge of the Small Enterprise Finance Department and the Credit Approval Department.
According to media reports, it was disclosed in the judgment that Lv Yi had successively applied for loans to Zhengzhou Bank in the names of Henan Hailing Industrial Development Co., Ltd., Zhengzhou Boaosen Electric Co., Ltd. and other subsidiaries, all of which were approved by Qiao Junan.
Lu Yi stated that for this reason, he has successively bribed Qiao Junan with tens of millions of yuan.
On November 15, 2017, Qiao Junan was arrested by the Zhengzhou Public Security Bureau.
On September 20, 2018, he was sentenced to 14 years in prison and a fine of 4 million yuan for accepting bribes.
In this year, Lu Yi's resume shows that he is doing "public welfare": donating to the Liberia Children's Fund and serving as a charity ambassador.
Wang Deyi, a lawyer from Beijing Xunzhen Law Firm, analyzed Sino-Singapore Jingwei that Lu Yi paid bribes to Qiao Junan, the former president of Zhengzhou Bank.
But why was not arrested for bribery?
There is currently no authoritative answer.
However, Xu Xin, a well-known lawyer and law professor, mentioned in an interview with Sino-Singapore Jingwei that legal bribery and bribery are opposite criminals and must be investigated at the same time, and theoretically should be dealt with together so that the two sides can confront each other in court.
But for a long time, the phenomenon of indulgence of "bribery" has occurred from time to time.
In order to combat bribery, the case-handling department focuses on indulgence of "bribery" from the perspective of case-handling strategy.
Xu Xin also said that because this phenomenon exists to a considerable extent, not only the law, but also the central policy clearly proposes to "bribery and accept bribes together", but this problem still cannot be solved.
He has a "deep relationship" with Wang Jikang, the former chairman of Guangzhou Rural Commercial Bank
Sino-Singapore Jingwei search found that Shijiazhuang Lecheng Company has repeatedly appeared in disputes between Lu Yi and financial institutions, and Lu Yi also had disputes with Lin Leping, the actual controller of the company.
Previously, a "complaint letter" written by a self-proclaimed wife Xie Mou of Lin Leping was circulated on the Internet, saying that Lu Yi carefully designed it to steal Lin Leping's tens of billions of assets.
Xie Mou revealed that in 2014, Lin Leping met Lu Yi from Henan through an introduction.
Lu Yi said he controls a number of village banks and can provide financing for the Shijiazhuang International Trade City project that Lin Leping is developing.
From 2015 to 2017, Lu Yi successively provided loans of 5.3 billion yuan to Shijiazhuang Lecheng Company with Kaifeng Eternal and other companies under his control, and charged 501 million yuan in interest.
Before the end of 2017, Shijiazhuang Lecheng Company repaid all the loans.
Xie Mou stated in the "Complaint Letter" that Lu Yi took advantage of Lin Leping's trust. In April 2017, Lu Yi coaxed Lin Leping to transfer 30% equity of Shijiazhuang Lecheng Company to the name of Shijiazhuang Sunac Company due to his tight financial needs. The next assignment and guarantee loan is 2.5 billion yuan, and the loan is directly paid to Kaifeng Eternal Company, which is actually controlled by Lu Yi.
Xie Mou stated that in July 2017, Lu Yi coaxed Lin Leping to transfer 50% of Shijiazhuang Lecheng Company's equity to Lanwei Company for holding on behalf of Lanwei Company on the grounds of helping its Kaifeng Lanwei Company to resolve the loan repayment from Sunac. He also pledged this equity and used assets such as Shijiazhuang International Trade City land as collateral to loan 3.5 billion yuan to Hengfeng Bank Beijing Branch. The loan was not used to repay Sunac’s loan and was once again deceived by Lu Yi to Henan Jiang, which was actually controlled by him. Illegal possession by companies such as Thailand.
The loan was also mentioned in the dispute over the financial loan contract between Lanwei Expressway Company and Hengfeng Bank. The defendant, Zhejiang Lecheng Company, argued that the underlying transaction of the loan was not an equity merger, and the transaction equity was not really transferred. Zhejiang Lecheng Company submitted Equity holding agreement.
This case is a project fund loan.
Zhejiang Lecheng Company is the actual shareholder of the project company Shijiazhuang Lecheng Company. The signing of the equity transfer contract and the holding agreement is to meet the financing needs of Lanwei Expressway Company.
The court also held that the loan involved in the case was actually a loan for the development and construction of a project.
Xie also said that in 2018, Lu Yi colluded with the staff of the three business marketing departments of Guangzhou Rural Commercial Bank, and on the grounds of "common seal management", his company employees were disguised as staff of Guangzhou Rural Commercial Bank, and defrauded Zhejiang Lecheng, The official seal and license of Shijiazhuang Lecheng, and asked Lin Leping to change the legal persons of the two companies mentioned above into gang members.
Xie said that in October 2019, Lu Yi instructed his gang members to report the crime of Lin Leping's position embezzlement and misappropriation of funds from Shijiazhuang Lecheng Company to the public security organs.
On January 26, 2022, Lin Leping, the actual controller of Zhejiang Lecheng Industrial Group Co., Ltd., was sentenced to 19 years for the crime of misappropriating funds and embezzlement.
On January 28, Lin Leping filed an appeal.
It is worth noting that, according to Caixin reports, Lu Yi once stated that he has a deep relationship with Wang Jikang, the first president and later chairman of Guangzhou Rural Commercial Bank.
Sino-Singapore Jingwei noticed that Wang Jikang was from Xinyang, Henan.
On August 23, 2019, Wang Jikang accepted the disciplinary review and supervision investigation of the Guangzhou Municipal Commission for Discipline Inspection and Supervision for suspected serious violation of discipline and law.
In April 2020, the Guangzhou Municipal People's Procuratorate prosecuted Wang Jikang to the Guangzhou Intermediate People's Court on suspicion of taking bribes.
Vice President of Xuchang Rural Commercial Bank Wanted
Lu Yi's "energy" gradually expanded under the "care" of the bank president and chairman, and his hand also reached out to the village bank, which was easier to control.
By placing multiple shadow companies in financial institutions, Lu Yi has become an invisible shareholder of more than 13 city commercial banks and village banks.
In March this year, the Xuchang City Public Security Bureau issued a "Reward Notice", offering a reward of 100,000 yuan for the fugitive suspect Sun Zhenfu suspected of "serious economic crimes".
Sun Zhenfu has been the vice president of Xuchang Rural Commercial Bank since 2018.
In this village bank incident, the five village banks of Yuzhou Xinminsheng Village Bank, Shangcai Huimin Village Bank, Zhecheng Huanghuai Village Bank, Anhui Guzhen Xinhuaihe Village Bank and Anhui Yixian Xinhuaihe Village Bank Co., Ltd. Xuchang Rural Commercial Bank Holdings.
On May 20, at the briefing meeting held by the China Banking and Insurance Regulatory Commission, the relevant person in charge pointed out that the shareholders of small and medium-sized rural banks are generally "small, scattered and weak", and some institutions still have problems such as insider control, outsider manipulation, and illegal related transactions.
Rural credit cooperatives and provincial associations are vaguely positioned, and the problems of offside and vacancy coexist; some village and town bank owners do not perform their duties properly.
Insufficient professional ability of senior executives and lack of effective supervision.
Now the new wealth group created by Lu Yi is no longer, and the presidents who helped Lu Yi are either in jail or fleeing.
(The opinions in this article are for reference only and do not constitute investment advice. Investment is risky, and you need to be cautious when entering the market.)
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