21世纪网独家报道 21 century nets exclusive report　　“我们都后悔了，如果从头再来一次，我们绝对不会把钱再存到这个地方，现在可怎么办才好？”徐州苏阳农村经济信息专业合作社的社员红着眼圈告诉21世纪网。

“We all regret，If all over again once，We never put the money put into this place，Now what to do？”Xuzhou su Yang rural economic information professional cooperatives member of the red the circles told the 21 st century nets。

　　2012年的这个夏天，对江苏徐州、连云港(601008,股吧)、邳州、沭阳等地的许多人来说，注定备受煎熬。

2012 years of this summer，To jiangsu xuzhou、lianyungang(601008,Shares it)、Headquarters of、ShuYang and many people，Unbearable to。

　　2012年4月，沭阳县信联农村经济信息专业合作社法人代表刘荣秀因涉嫌犯罪被沭阳警方逮捕。4月25日，沭阳县公安局贴出告示：“沭阳县信联农村经济专业合作社现已被沭阳县公安局查封，为保护广大储户利益，敬请各位储户携社员证、社员卡、身份证、相关票据及宣传资料（宣传册、台历等）到沭阳县公安局新河派出所‘信联储蓄接待室’登记。”

April 2012，Shuyang rural economic information letter league professional cooperatives legal representative LiuRongXiu for suspected crime was ShuYang police arrested。April 25,，Shuyang public security bureau posted notices：“Shuyang rural economic professional cooperatives believe united has now been shuyang seizure of the public security bureau，To protect the interests of depositors，Please join membership card with depositors、Membership card、Id card、Related bills and propaganda material（brochures、Table calendar etc）The public security bureau to shuyang new river police station‘Believe united savings reception room’registration。”

　　合作社的社员称，当天同时被逮捕的还有刘荣秀的妹妹刘荣会。

The cooperatives member said，The day was also arrested and LiuRongXiu sister liu rong。

　　根据21世纪网对相关工商资料进行查询，刘荣秀同时还是连云港市东阳农村经济信息专业合作社的法人代表，其妹妹也担任着徐州苏阳农村经济信息专业合作社的法人代表。

According to the 21 st century nets to relevant industry and commerce data query，LiuRongXiu simultaneously or in the rural economy in lianyungang dongyang information professional co-operatives legal representative，Its sister also holds xuzhou su Yang rural economic information professional co-operatives legal representative。

　　另有邳州当地知情人士透露，邳州市信联农村经济信息专业合作社及其分社的法人也是刘荣秀。

Otherwise the headquarters of the local people familiar with，Believe united rural economic information pizhou professional cooperatives and its branch, legal person is also LiuRongXiu。

　　此前，由于这些合作社力推一种面向50岁以上老人的保险股，从而导致大量老人的养老钱被套。

after，Because these cooperatives push hard for a 50 years old of above the old man's insurance stocks，Leading to a lot of the old man's endowment money bedding bag。

　　据连云港、沭阳、邳州、徐州当地的多名社员以及合作社内部员工透露，连云港市东阳农村经济信息专业合作社累计涉案资金2000多万、沭阳县信联农村经济信息专业合作社及其分社涉案资金1200多万、邳州市信联农村经济信息专业合作社及其分社涉案资金300多万；截至2012年5月1日，徐州苏阳农村经济信息专业合作社及其分社累计入社资金达3000余万，上述四地共涉案金额高达6000多万。

According to lianyungang、ShuYang、Headquarters of、Xuzhou local more members and cooperatives internal employee said，Lianyungang city dongyang rural economic information professional cooperatives accumulative total involving more than 2000 funds、Shuyang rural economic information letter league professional cooperatives and its branches involved more than 1200 funds、Believe united rural economic information pizhou professional cooperatives and its branches involved more than 300 funds；By the end of 2012 on May 1，Xuzhou su Yang rural economic information professional cooperatives and its branch count toward the club funds of 3000 to more than，The above four involving a value of more than 6000。

　　2012年8月1日，沭阳警方透露，警方现在正在查处资金的去向。在入股合作社的社员中，以五六十岁以上的老人为主，年龄最大的92岁。

August 1, 2012，ShuYang police say，The police are now investigate and deal with the money goes。Shares in the cooperatives member，With 60 years or older to give priority to，The oldest is 92 years old。

　　沭阳案发后，诸多的疑问盘旋在他们脑中，他们想不通，明明营业执照、税务登记证、组织机构代码证、社会保险登记证各证都齐全，为什么说关就关了？合作社自称有“金融服务功能“，到底是合法还是不合法？刘荣秀被抓，原因到底为何？那些入股的资金投到哪里了？还有，有生之年他们还能不能拿回自己的钱？

ShuYang immediately after the crime，Many questions hovering in their mind，They think impassability，Clearly business license、Tax registration certificate、Organization code certificate、Social insurance registration certificate every syndrome are complete，Why to say shut was shut？Cooperatives claiming to have“Financial service function“，Is it legal or illegal？LiuRongXiu caught，Reason why exactly？The contribution of the funds to pitch？and，They can also lifetime get my money back？

　　七月流火，21世纪网赶往事件发生地，解读合作社“入股“背后的玄机。

July，21 century nets to events take place，Reading cooperatives“shares“Behind the mystery。

　　沭阳信联合作社的大门已经锁了三个多月，门上沭阳公安局的告示已经发白，里面还停着员工的车子。

ShuYang believe united cooperatives door's locked for more than three months，The door of the public security bureau ShuYang papers have been white，It also stopped to staff car。

一盘散沙 合作社陆续关门 In any close cooperative

　　2012年7月18日，沭阳。

July 18, 2012，ShuYang。

　　江苏沭阳县信联农村经济信息专业合作社门上挂着一把大锁，沭阳县公安局贴的告示已经泛白，透过玻璃门，依稀能看到墙上贴着的宣传海报以及一些内部章程，屋子里破报纸散落在地上，连角落的绿植也已经完全枯败，落满灰尘，还有几辆员工的自行车、电动车停在里面。门旁边两侧的玻璃上贴着大大的字“此房出租”，似乎一切都在说明，沭阳县信联农村经济信息专业合作社已是昨日的旧篇章。

Eastern jiangsu province believe al rural economic information professional cooperatives hanging on the door with a big lock，Shuyang public security bureau of the papers have been bleached stick，Through the glass door，Vaguely can see posted on the wall poster and some internal constitution，The house the newspaper fall on the ground，Even in the corner of the green plant are completely withered to defeat，Gathering dust，There are a few a staff bike、Electric cars parked in it。The door on both sides of the glass on the big word“This house is for rent”，It seems that everything in the show，Shuyang rural economic information letter league professional cooperatives is already old chapter yesterday。

　　据此前宿迁日报发表报道称：“江苏农信专业合作联社沭阳信联合作社于2010年10月10日成立，沭阳信联合作社是宿迁市第一家综合性农民合作社，它既有一般金融机构的服务功能，又不同于担保公司和其它金融机构。信联合作社以‘生产+供销+信用’三位一体模式，服务社员、以股金为金融纽带、以农资统购和农产品交易为桥梁、以日用生活品为基础、以吸收发展企业为骨干的综合性农民经济合作组织。信联合作社的成立，将为加快该县现代农业发展，提升产业竞争能力，为促进农民增收致富注入强劲动力，对进一步推动该县农业农村信息化发展，加快农村专业合作组织多元化、专业化、规划化建设具有重要意义。”

According to published reports say after suqian daily：“Jiangsu professional cooperative association ShuYang 1 believe united cooperatives October 10, 2010 was set up，ShuYang believe united cooperatives suqian is first comprehensive farmer cooperatives，It has both general service function of financial institutions，Is different from guarantee companies and other financial institutions。Believe united cooperatives to‘Production + supply and marketing + credit’Trinity model，Service members、For financial stocks to bonds、统购 and agricultural products to agricultural production means for the bridge trading、With daily were based、To absorb development enterprise as the backbone of comprehensive farmers economic cooperation organization。The establishment of the letter league cooperatives，Will speed up the county for modern agricultural development，Promoting industrial competition ability，In order to promote the farmers into the strong power，To further promote the county agriculture countryside informationization development，Speed up the rural professional cooperative organization diversity、professional、GuiHuaHua construction to have the important meaning。”

　　在沭阳县信联农村经济信息专业合作社、连云港市东阳农村经济信息专业合作社、徐州苏阳农村经济信息专业合作社发给社员的日历上介绍道，江苏农信专业合作联社于2010年初在江苏省工商厅依据《中国人民共和国农民专业合作社法》注册成立，截至2011年底，在江苏省有近20家联合分社。

In shuyang rural economic information letter league professional cooperatives、Lianyungang city dongyang rural economic information professional cooperatives、Xuzhou su Yang rural economic information professional cooperatives member to the calendar said，Jiangsu professional cooperative association 1 in early 2010 in jiangsu province in industry and commerce hall basis《The People's Republic of China law on farmer professional cooperatives》Was registered，By the end of 2011，In jiangsu province has nearly 20 joint branches。

　　沭阳县信联农村经济信息专业合作社就被称为江苏农信专业合作联社的联合分社。

Shuyang rural economic information letter league professional cooperatives, was called the jiangsu professional cooperative association of the 1 joint branches。

　　据了解，位于连云港、徐州、邳州、沭阳各地的合作社是以加盟的形式成为江苏新农合农信专业合作联社的分社。

According to understand，Located in lianyungang、xuzhou、Headquarters of、ShuYang cooperatives is all over to form to become jiangsu new farming $1 professional cooperative association office。

　　在沭阳案发后，消息并未马上传开。

In ShuYang immediately after the crime，The news did not immediately spread。

　　徐州苏阳农村经济信息专业合作社社员是在五一之后发现事情不对劲，因为合作社于5月2日开始停业，于是5月3日社员选择报案。连云港市东阳农村经济信息专业合作社的社员是在5月7日下午由于合作社内部员工透露消息才得知。

Xuzhou su Yang rural economic information professional a member of a cooperative is in the May 1 then found what's，Because cooperatives in May 2, began to go out of business，So the May 3 members to choose。Lianyungang city dongyang rural economic information professional cooperatives membership is in the afternoon of May 7, due to the cooperative internal employee revealed only learned about news。

　　徐州苏阳农村经济信息专业合作社及其分社、连云港市东阳农村经济信息专业合作社、邳州信联合作社及其分社接连关门。

Xuzhou su Yang rural economic information professional cooperatives and its branches、Lianyungang city dongyang rural economic information professional cooperatives、The headquarters of faith and its branches were united cooperatives to close the door。

　　21世纪网试图拨打当时宣传资料上留给社员的客服电话4006279558，但是电话一直无法接通，只是重复着说“无法接通对方，请稍后再拨。”

21 century nets tried to call was publicity materials for membership customer service call 4006279558，But the telephone has been unable to get through，Just repeat the said“Not be connect each other，Please dial later。”

　　2012年8月1日，21世纪网致电江苏新农合农村经济信息专业合作联社，接通电话后，对方称，假冒它们牌子的很多，属于江苏新农合的农村经济信息专业合作联社只有一家，在南京，如果是加盟它们的合作社得有合作协议或者授权委托书，得有法律依据的东西。

August 1, 2012，21 century nets call jiangsu new farming and rural economic information professional cooperative association，After connect，Each other says，Fake their brand of a lot，Belong to jiangsu new farming and rural economic information only a professional cooperation association，In nanjing，If it is to join their cooperatives may have the cooperation agreement or accredit a power of attorney，Must have legal basis of things。

　　一夕之间，分散在各地的合作社像是一盘散沙。

overnight，Scattered around the cooperative like crumble。

　　沭阳、连云港、徐州、邳州等各地的社员在这样的境况下除了等待外，每天互通消息，以自己的方式开始了“讨债”之旅。

ShuYang、lianyungang、xuzhou、The headquarters of all members in such circumstances in addition to wait outside，This information every day，In their own way to start“Collection agencies”trip。

连云港东阳农村经济信息合作社入股凭证，凭证上清晰地印着：农民专业合作社。 Lianyungang dongyang rural economic information cooperatives contribution certificate，Clearly on vouchers printed：Farmers' professional co-operatives。

　　偷换概念 三农旗号成为行骗手段

Concept than agriculture, rural areas and farmers banner become the con means

　　2012年8月1日，沭阳警方透露，合作社社员报案后要等通知。现在案情复杂，涉及人数众多，警方正在查处资金的去向。

August 1, 2012，ShuYang police say，A member of a cooperative to wait after notice。Now the case complex，Number involved，The police are and where money。

　　广盛律师事务所的律师杨帆表示“归根结底，这是打着三农的旗号从事非法吸收存款或者是集资诈骗的犯罪行为。”

Guangsheng law firm's lawyers YangFan said“In the final analysis，This is under the banner of agriculture, rural areas and farmers engaged in illegal absorb deposits or is funding the crime of fraud。”

　　21世纪网调查发现，这些合作社以及法人代表刘荣秀的一些做法涉嫌违反《中华人民共和国农民专业合作社法》，并与银监会、农业部联合发表文件《关于做好农民专业合作社金融服务工作的意见》和《江苏省农民专业合作社条例》相关细则相违背。

21 century network survey found，These cooperatives and legal representative LiuRongXiu some methods of suspected breach《The People's Republic of farmers' professional co-operatives method》，And China banking regulatory commission and、Department of agriculture jointly published documents《The preparation for farmers' professional co-operatives financial service work opinion》and《Jiangsu province farmers' professional co-operatives regulations》Detailed regulations inconsistent。

　　《中华人民共和国农民专业合作社法》第三十条规定，农民专业合作社的理事长、理事、经理不得兼任业务性质相同的其它农民专业合作社的理事长、理事、监事、经理。

《The People's Republic of farmers' professional co-operatives method》Provisions of article 30，The director general of the farmers' professional co-operatives、director、The manager shall not concurrently hold business of the same character, the director general of the other farmers' professional co-operatives、director、supervisors、The manager。

　　但是，刘荣秀本人同时担任沭阳县信联合作社理事长和连云港市东阳农村经济信息专业合作社理事长。

but，LiuRongXiu I also served as shuyang President and lianyungang city letter league cooperatives dongyang rural economic information of professional cooperatives。

　　此外，广盛律师事务所律师杨帆告诉21世纪网，沭阳县信联农村经济信息专业合作社等合作社的做法涉及偷换概念。“按照它的业务范围来说，是经济信息服务，应该理 解为‘信息’的‘信’，但它将农民专业合作社给改成农村经济信息专业合作社，简称为农信专业合作社，以前有农村信用社，那是专业的金融机构，所以改变后的名称在概念上容易给老百姓造成误解，认为是一个合法的金融机构，所以导致老百姓愿意去存款。”

In addition，Guangsheng lawyer of YangFan told the 21 st century nets，Shuyang rural economic information letter league and the practice of professional cooperatives cooperative than involved concept。“According to its business scope for example，Is the economy information service，Should Richard solution for‘information’of‘letter’，But it will farmers' professional co-operatives to change to the rural economy information professional cooperatives，Referred to as "the 1 professional cooperatives，Used to have rural credit cooperatives，That is a professional financial institutions，So the name of the change in concept after easy for common people cause misunderstandings，Think is a legitimate financial institutions，So lead to common people willing to deposit。”

　　根据《江苏省农民专业合作社条例》规定，农民专业合作社为满足成员生产、生活资金需求，可以在本社内部组织成员开展资金互助，但不得对外吸储和放贷。

According to《Jiangsu province farmers' professional co-operatives regulations》provisions，Farmers' professional co-operatives to meet members production、Life capital demand，In our internal organization members can carry out of mutual funds，But not foreign macro and lending。

　　杨帆律师同时指出，沭阳信联经济信息专业合作社等合作社的经营范围、收益规定以及保险资质都有问题。

YangFan lawyer also pointed out，ShuYang believe united economic information such as professional cooperatives cooperative scope of business、Revenue provisions and insurance qualification have a problem。

　　根据《中华人民共和国农民专业合作社法》总则规定，农民专业合作社以其成员为主要服务对象，提供农业生产资料的购买，农产品的销售、加工、运输、贮藏以及与农业生产经营有关的技术、信息等服务。农民专业合作社应当遵循原则中其中有两条：成员以农民为主体；盈余主要按照成员与农民专业合作社的交易量（额）比例返还。

According to《The People's Republic of farmers' professional co-operatives method》General provisions，Farmers' professional co-operatives to its members as the main object of service，Provide agricultural production material purchase，Sales of agricultural products、processing、transportation、Storage and agricultural production and operation related technologies、Information such as service。Farmers' professional co-operatives shall follow the principles for which there are two：Members with peasants as the main body；According to the members and main surplus farmers' professional co-operatives turnover（forehead）Return ratio。

　　“现在，合作社的业务范围主要是吸储，还有，农民专业合作社作为一个合作社，它有可能是亏损也有可能是盈余，它根据经营范围内所获得的收益进行分配，可分 配盈余肯定不能是固定的。另外，沭阳信联经济信息专业合作社不具备保险的资质。涉及‘保险’两个字得需要保监会同意。现在他们是打着保险股的名义但是明显是非法的。”杨帆提到。

“now，The business scope of the cooperative is mainly macro，and，Farmers' professional co-operatives as a cooperative，It might be losses may be surplus，It according to the business scope of the incomes of distribution，Can divide with surplus is certainly not is fixed。In addition，ShuYang believe united economic information professional cooperatives do not have insurance qualification。involves‘insurance’Two words need to circ agree。Now they are under the name of insurance stocks but obviously is illegal。”YangFan mentioned。

连云港东阳合作社大门旁边告示 Lianyungang dongyang cooperatives beside the gate notice

　　追根溯源 一场美丽骗局 Traced back a beautiful scam

　　那么，这一场骗局又是如何形成？

so，This is how to form a hoax？

　　追根溯源，这些合作社只是在最初先许了社员一份安心让其信任，其后又许了社员一个高回报的美丽愿景。

Traced back，These cooperatives only in the original first make the members a at ease let their trust，Then made members a high return beautiful vision。

　　徐州、沭阳、连云港等地合作社社员称，首先，开业初举行了隆重的开业典礼和剪彩仪式，国家农业部有关领导和区县领导出席；其次，这些合作社各家店面均有营业执照、税务登记证、组织机构代码证等证件，社里入社章程、宣传海报、理财人员以及规章制度都应有尽有，合作社也称，存款入社退社自由；第三，社里与农业、农 村、农民合作的成果展示比比皆是，在过年过节以及入社时还送社员鸡蛋、玉米、大豆油、茄子、辣椒等、合作社称这些都是合作农业项目上自己生产的产品；还有，合作社还带领社员去参观刘荣秀兴办的实业：新沂的苗圃、邳州的砂矿以及市区计划购置的酒店。

xuzhou、ShuYang、Lianyungang to a member of a cooperative says，first，Early start held a grand opening ceremony and opening ceremony，The national ministry of agriculture of the leaders and area county leadership to attend；second，These families are cooperative store business license、Tax registration certificate、Organization code certificate, certificate，The articles into rotary club、posters、Financial management personnel and regulations, everything，Cooperatives also said，Deposit into rotary club freedom back；The third，Club and agriculture、Farming village、Farmer cooperative results show can be found everywhere，In the New Year's day holiday when the club and still send members eggs、corn、Soybean oil、eggplant、Chili peppers and other、Cooperatives says these are the agricultural cooperation project of the production of the product；and，Cooperatives also lead member to visit with the LiuRongXiu industry：Xinyi nursery、The headquarters of the urban plan and the purchase of a placers hotel。

　　种种举措，大大消除了社员们的疑虑。

All kinds of policies，Greatly ease the rotarians doubts。

　　打动人心的还是高收益。

Moving heart or high return。

　　在连云港市东阳农村经济信息专业合作社的宣传资料中，能清楚地看到，农村经济信息专业合作社服务项目总共分成四项：投资股、保险股、借款和其它服务。其中，投资股分为三个时间段：三个月、六个月和一年。投资股的最终受益是“银行同期收益+合作社分红”。如果以万元为单位，投资股一年能拿到的股金分红是750元，比当时同档期银行利息高出400元。

In rural economic information of lianyungang city dongyang professional co-operatives propaganda material，Can clearly see，The rural economy information professional cooperatives in total service project into four：Investment shares、Insurance stocks、Borrowing and other services。Among them，Investment shares into three segments：Three months、Six months and one year。Investment shares benefit is final“The same period bank earnings + cooperatives dividends”。If with ten thousand yuan for the unit，Investment shares a year can get capital stocks of share out bonus is 750 yuan，At that time than with sessions bank interest is more than 400 yuan。

　　徐州苏阳农村经济信息专业合作社和邳州市信联农村经济信息专业合作社的万元股金分红给的更高，能达到900元。邳州合作社的简介显示，以万元为单位，三个月股息加分红为6.5%，六个月为 7%，一年为7.5%，二年为9.75%，三年为11.25%，五年为12.50%。存一万元五年能拿到7500，而同期的银行只能拿到2750元。

Xuzhou su Yang rural economic information professional cooperatives and pizhou believe united rural economic information professional cooperatives RMB ten thousand yuan to the capital stocks higher dividends，Can reach 900 yuan。The headquarters of the introduction of cooperatives display，With ten thousand yuan for the unit，Three months dividends and share out bonus is 6.5%，Six months was 7%，One year to 7.5%，Two years is 9.75%，Three years is 11.25%，Five years is 12.50%。Deposit ten thousand yuan can get five years in 7500，Over the same period, the bank can only get to 2750 yuan。

　　在21世纪网调查的过程中也发现，这些合作社的选址有一个规律，在合作社的旁边或者不远处都有一家正规银行。

In the 21 st century nets survey also found the process，The location of the cooperatives there is a rule，In the cooperatives are not far away or next to a formal bank。

　　连云港市东阳农村经济信息专业合作社旁边是交通银行(601328,股吧)的网点，不远处是工商银行(601398,股吧)的网点；沭阳新联合作社分社紧挨着邮储银行的网点，沭阳县信联农村经济信息专业合作社总社不远处则是沭阳东吴村镇银行的网点。

Lianyungang city dongyang rural economic information professional cooperatives is next to the bank of communications(601328,Shares it)network，Not far away is industry and commerce bank(601398,Shares it)network；ShuYang new league cooperatives branch next to YouChu bank network，Shuyang rural economic information letter league professional cooperatives is suing ShuYang village not far from the bank network。

　　正规银行的利率与合作社允诺的高收益一对比，效果很明显，也让银行的客户流失了许多。连云港市东阳农村经济信息专业合作社旁边交通银行的一位工作人员称：“有很多老人从我们这里取钱存到合作社，也不听我们的劝。从外边看，合作社跟银行差不多，外面也有理财经理。我们这边的理财客户、沃德客户也有存了几十万进去的。”

Bank interest rate and the formal cooperatives of high yield a promise to contrast，Effect is very obvious，Also let bank customers lost many。Lianyungang city dongyang rural economic information professional cooperatives traffic bank next to a staff member says：“We have a lot of old man take money from here to the cooperative，Also don't listen to our advised。Look from the outside，The cooperative with Banks and almost，Outside also have money manager。On our side financial customers、Ward customers also have saved hundreds of thousands of to in。”

　　到了2011年底，连云港市东阳农村经济信息专业合作社的允诺的到期收益已经很高了，连云港市东阳农村经济信息专业合作社社员武女士介绍说，“按照档次不同收益不同，我存10万，到期所得14.4%。10万以上好像是16%，还有更高的。”

At the end of 2011，Lianyungang city dongyang rural economic information professional cooperatives to expire is already very high returns，Lianyungang city dongyang rural economic information professional cooperatives member ms wu introduced said，“According to different income different class，I put 100000，Due income 14.4%。More than 100000 like is 16%，And there are higher。”

　　在21世纪网拿到的连云港市东阳农村经济信息专业合作社截至3月底的社员资金入股明细名单中，共658笔，在后期允诺收益增加时，合作社入股的数量也在增加，今年1月，连云港市东阳农村经济信息专业合作社入股50笔；2月数量猛增到103笔，3月的入股数量也有71笔。高收益的诱惑吸引了一大批人入股。

In the 21 st century nets get hold of lianyungang city dongyang rural economic information professional cooperatives ended march capital contribution of the membership list details，A total of 658 pen，In the later promised to increase revenue，The cooperative shares a rise in the number of，January，Lianyungang city dongyang rural economic information professional cooperatives 50 pen shareholder；February number soared to 103 pen，The number of shares on March 71 pen。High yield of temptation attracted a large number of people to become shareholders。

　　与投资股相比，向老人群体推销的保险股回报就显得立竿见影许多。

Compared with the investment shares，The old man group to sell insurance stocks return is immediate many。

　　保险股的期限是三年和五年两种。只有年龄在50岁以上才能入股，每人最多三股，每股16800，入股后按月领取200元/月的养老费用。本金到期返还。

Insurance stocks is the period of three years and five years two kinds。Only people in 50 years or older to a shareholder，Three shares per person，16800 a share，After the shares to be gotten by the month 200 yuan/month of pension costs。Principal due to return。

　　“许多老人觉得钱放着也暂时没用，放到合作社每个月一股还能领200块钱，所以就把大量的现金投进来了。”当地的一位社员介绍道。

“Many old people feel money put a temporary useless，In every month a unit also cooperatives can bring 200 dollars，So they set up a lot of cash cast came in。”A local member said。

　　许多社员也不是一开始就相信这种模式，就先观察了几个月。连云港的万师傅最初给自己存了三股，共50400元，领了几个月的养老费用，觉得不错，就让老伴也入了股。俩人总共投了100800元。

Many members also is not to believe that this pattern，First observation for several months。Thousands of lianyungang to master first put three shares，A total of $50400，Took several months of pension costs，Feel good，Let wife also into the shares。Two people up for 100800 yuan。

　　合作社给员工制定的高标准任务量也成为了“吸金”的催化剂。据某信联合作社的内部员工介绍，他一个月的任务量是二十万，这个任务量很难完成，只要有人能来存就能有业绩。他们的工资构成与绩效挂钩。

Cooperatives to employees of the high standards formulated quantity also become the task“Suck gold”catalyst。According to some believe united employees of cooperatives are introduced，He a month of tasks that quantity is two hundred thousand，The task is hard to finish，As long as anyone can to save can have performance。Their salary structure and performance hook。

　　武女士的入股就纯粹是为了给连云港市东阳农村经济信息专业合作社工作的侄女完成任务。武女士清楚地记得存款那天是11年11月11日，当时就在合作社开玩笑说，“光棍节存钱，不要光光哦。”

Ms wu is the contribution of the purely for rural economic information to lianyungang city dongyang professional cooperative work niece completed the task。Ms wu clearly remember deposit that day was 11 years in November 11,，Then in the cooperatives joked，“Bachelor JieCun money，Don't bare oh。”

　　结果，一语成谶。

The results，A language compared to。

沭阳信联合作社社员证 ShuYang believe united a member of a cooperative card

　　混乱管理 资金去向成谜 Confusion management funds to a mystery

　　入股的资金流向何处？ The contribution of the capital to flow to where？

　　一名不愿透露姓名的合作社内部员工说：“社员入股的钱一部分借给当地社员，一部分存在刘荣秀指定的账户里。账上存款不够用的时候，刘荣秀汇钱过来接着运营。”

A don't wish to be named, said employees cooperatives：“Members of the shareholder money lent to the local part of membership，Part of LiuRongXiu existing appointed account。Account deposit not enough use，LiuRongXiu remit money come over immediately after operation。”

　　据沭阳县信联农村经济信息专业合作社的内部员工介绍，刘荣秀去沭阳县信联农村经济信息专业合作社很少，有时候去合作社就直接就把现金拿走了，有时候让员工把钱打到她的卡上。

According to believe united rural economic information shuyang professional co-operatives internal employee introduced，LiuRongXiu to believe united rural economic information shuyang few professional cooperatives，Sometimes the directly to the cooperative cash away，Sometimes let employees make money to her on the card。

　　此外，合作社管理非常混乱。

In addition，The cooperative management chaotic。

　　一位徐州苏阳农村经济信息专业合作社的社员描述，当时她表示愿意入股后，苏阳合作社的大堂经理直接和她一起到附近农行的一个网点去取钱，当时，该大堂经理还表示，取钱出来太麻烦，所以十万多的入股资金就这样转到了大堂经理的私人账户里，之后，大堂经理给其开了一张入股凭证。

A xuzhou su Yang rural economic information professional cooperatives member of the description，At that time she said they would like to after becoming a shareholder，Su Yang cooperatives in the lobby of the manager directly and she go to the agriculture bank near a node to take money，At that time，The lobby manager says，Take money out too much trouble，So more than shares of the capital that turns in the lobby manager private accounts，after，The lobby manager to open a proof the shareholder。

　　与当初承诺的退股自由相比，另外一位合作社社员的退股之路并不顺畅，该社员去取钱的时候，合作社不同意，“他们还出主意说，可以进行借款”，自己的钱取不出来，反而用更高的利息去借款。社员感慨道。

And at the beginning of the promise of freedom back to compare，Another a member of a cooperative of strands of is not smooth way back，The member to get money，Cooperatives don't agree with，“They also counsel said，Can be borrowing”，Their money out，But with higher interest rates to borrow money。Membership regrets way。

　　入股资金管理的混乱其实早见端倪，但是还是有人怀着侥幸的心理没有及时退出。

Shares of fund management confusion early actually weakened，But or someone with fluky psychology the not to quit。

　　现在，刘荣秀将资金用到何处，依然成谜。坊间流传着各种传言，有消息称“刘荣秀把其中一千七百多万都投入房地产了，现在还没盈利。”

now，LiuRongXiu will fund use where，Is still a mystery。Among the spread of rumors，With the news“LiuRongXiu put more than one thousand seven hundred of them are invested in real estate，Are not profitable。”

　　社员最关心的是，案情什么时候能水落石出，他们的入股资金还能否回来。

Membership is most concerned about，When will the case to come out，Their money also can come back shares。

　　2012年8月1日，沭阳警方透露，警方现在正在查处资金的去向，报案的社员现在等通知就好，这个案子牵涉的人数很多。

August 1, 2012，ShuYang police say，The police are now investigate and deal with the money goes，The report, it is good to inform members now，The case involves a lot of number。

　　而至于对刘荣秀涉嫌犯罪的定性，杨帆律师认为，“确定是否构成诈骗罪主要看刘荣秀将存款吸收进来是不是涉及非法占有。”

And as for LiuRongXiu suspected the nature of the crime，YangFan lawyer thought，“Sure is a major LiuRongXiu will see the crime of fraud of the deposit is absorbed in involved in illegal possession。”

　　一切仍需等待。（21世纪网 冯娜娜）

Everything is still need to wait。（21 century nets FengNaNa）