本报记者 古越 实习记者 陈雪美 连云港(601008,股吧)报道

Our reporter GuYue internship reporter ChenXueMei lianyungang(601008,guba)reports

　　表面上解决农民生产生活中的小额信贷问题，而实际上高息吸储的4家农民资金互助合作社（以下简称农合社），竟然成为一家公司暗箱操作下的小金库，源源不断地为该公司提供廉价的民间资金。近日，江苏灌南4家农合社1.1亿储蓄金被卷走的消息可谓一石激起千层浪，4家农合社的人员违规操作，用高额利息方式吸储，并将本该用于当地农民农业生产的储蓄资金挪用至江苏龙城集团作他用。

On the surface to solve farmers' production and life in small credit problems,But in fact XiChu tight the four peasants' fund mutual cooperatives(Hereinafter referred to as the "farmers joint club),Should become a company black-box of a private coffer,Continuously for the company to provide cheap folk capital.recently,Jiangsu irrigation south four farmers joint club 110 million savings gold coiled leaving news is a stone arouses thousand layer wave,Four farmers joint club personnel illegal operation,With high interest XiChu way,And should be used for local farmers agricultural production of savings funds appropriated to jiangsu cooper group for other purposes.

　　24日，《华夏时报》记者在灌南县实地调查发现，4家农合社实际上与江苏龙城集团董事长王明龙存在着特殊关系。

24,[The Chinese times]Reporter in the GuanNaXian field survey found,Four farmers joint club in fact and jiangsu cooper group chairman of the board WangMingLong there is a special relationship.

　　表面上，这4家农合社按照一分五的高额利息在当地吸储，然后又以4分利向王明龙放高利贷，挪用巨额资金用于王明龙庞杂的生意摊子。但实际上王龙明利用灌南当地4个农民的身份证及户口注册并出资设立了这4家农合社，也就是说王明龙才是背后的实际出资人。

On the surface,This four farmers joint club according to a point five high interest in the local XiChu,And then to 4 benefiting to WangMingLong usury,Divert huge funds for WangMingLong confused business stall.But in fact WangLongMing using irrigation south local four farmer's id card and registered permanent residence registered and invest to set up the four farmers joint club,That is WangMingLong is behind the actual contributor.

　　25日，本报记者从灌南公安局政治处获悉，王明龙已于10月24日下午向当地公安局投案，目前案件正处于侦查阶段，关于储蓄金额的具体去向暂不明确。

25,Our reporter from irrigation south public security bureau of political section,WangMingLong already in the October 24th afternoon surrenders to the local public security bureau,At present the case is in the investigation stage,The specific amount of savings to temporary not clear.

　　本次“出事”的4家农合社涉及2500名储户，储蓄金额达1.1亿元，目前已有部分社员的入社本金得到政府清退。

this"accident"The four farmers joint clubs involved 2500 savers,Savings amounted to 110 million yuan,There are some members of the club to repel the principal by the government.

　　谁在背后掘金

Who's that behind the Denver nuggets

　　本报记者调查发现，灌南4家农合社不仅在储蓄资金使用方向上违规，在发起注册的过程中也存在猫腻。

Our newspaper reporter survey found,Irrigation south four farmers joint club not only in savings funds use direction illegal,In the process of registration by also exists something fishy going on.

　　25日下午，记者从当地公安局政治处的一则通告中获知，2009年9月，龙城集团董事长王明龙利用黄仁平、姜树涛、江尧平、汪春伦4人的名义注册登记了4家农合社，分别是新安镇“现代农民资金互助合作社”、汤沟镇“兴农农民资金互助合作社”、张店镇“便民农民资金互助合作社”和五队乡“咱们农民资金互助合作社”。

25 in the afternoon,Reporters from the local public security bureau political section of a circular to learn,In September of 2009,Which group chairman of the board WangMingLong use HuangRenPing/JiangShuTao/JiangYaoPing/WangChunLun four people in the name of the registered four farmers joint club,Respectively is XinAnZhen"Modern peasants' fund mutual cooperatives"/ShangGou town"Agriculture farmers capital mutual cooperatives"/ZhangDian town"For the convenience of the peasants' fund mutual cooperatives"And five team township"Let's farmers capital mutual cooperatives".

　　据了解，上述4人都是灌南当地的农民，自身的文化程度并不高，更达不到设立合作社所需注册资本最低10万、最高30万的经济实力，最终出资的仍是王明龙，他利用灌南当地农民的身份证及户口设立合作社，并聘用上述4人为合作社的经理。

It is understood,The above four people are pouring south local farmers,Their own cultural level is not high,More can not reach the required minimum registered capital established cooperatives 100000/Maximum 300000 economic strength,Finally the investment is still WangMingLong,He used the irrigation south local farmers id card and account set up cooperative,And employ the above four artificial cooperative manager.

　　在业务的具体操作上，王明龙的唯一要求就是帮龙城集团吸储。一些社员告诉本报记者，开始入社的都是上述4人的亲朋好友，一分五的高利息很快吸引大批的社员参与，这些社员主要包括农民、工人及一些退休的公务员。

In the business of the specific operation,The only requirement is to help WangMingLong cooper XiChu group.Some members told our reporter,Start into the club is the above four relatives and friends,A five points of high interest soon attracted a large number of members to participate in,These members including farmers/Workers and some retired civil servants.

　　而端坐高位的4位经理并没有意识到，注册登记的是自己的名字，自己也是需要承担风险的法律主体。本报记者从当地公安部门了解到，目前包括上述4人在内已有8人归案，其中一人取保候审。

And sit up high four manager and didn't realize that,Registration is his name,Also need to take the risk of legal subject.Our reporter from the local public security department to know,Currently include the above four people, including eight people bring to justice,One of them a guarantor pending trial.

　　目前这4家合作社已经停止营业。记者看到新安镇“现代农民资金互助合作社”大门紧闭，玻璃上贴有“停业整顿”字样的公告，位于汤沟镇的“兴农农民资金互助合作社”也早已人去楼空。

The four cooperatives has stopped business.The reporter sees XinAnZhen"Modern peasants' fund mutual cooperatives"The door shut,Stuck on glass"To suspend business""Announcement,Is located in the town of ShangGou"Agriculture farmers capital mutual cooperatives"Also had the bird had flown.

　　经过调查，一直在农合社背后掘金的江苏龙城集团及王明龙硕大的生意摊子逐渐浮出水面。

After investigation,Farmers have been close behind the Denver nuggets club jiangsu cooper group and WangMingLong huge business stall gradually floating to the water surface.

　　本报记者调查发现，江苏龙城集团所谓“集网络、物流、娱乐、电子商务、房地产、金融期货等于一体的综合性大型集团公司”，乃是几处网吧、KTV以及炒黄金为主营业务的投资公司。

Our newspaper reporter survey found,Jiangsu so-called cooper group"Set network/logistics/entertainment/e-commerce/Real estate/Financial futures is equal to a body comprehensive large-scale group company",But several Internet cafe/KTV and Fried gold for main business investment company.

　　其中，炒黄金是其核心业务之一，一位知情人士告诉本报记者，由于此种业务是法律的灰色地带，龙城旗下的江苏博盛投资公司的黄金业务在今年3月份已被盐城警方取缔。

the,Fried gold is one of its core business,A source told our reporter,Because of this business is legal gray area,Cooper's jiangsu bo cheng investment company gold business in March this year has been yancheng police ban.

　　监管缺失

Lack of supervision

　　根据调查，4家农民资金互助合作社不仅在使用储蓄金方向上存在违规，在储蓄金的投放地域上也存在巨大的监管漏洞。

According to investigation,Four peasants' fund mutual cooperatives not only in the use of savings gold direction are illegal,In a savings of gold on the region, there is also a huge regulatory loopholes.

　　一位知情人士告诉本报记者，江苏龙城集团注册地在盐城，每一笔巨大的转账金额都是有据可循的，但却并没有引起有关部门的注意。

A source told our reporter,Jiangsu cooper group registered in yancheng,Each a huge amount of transfer is a foundation,But it did not cause the attention of the relevant departments.

　　农民资金互助合作社与农村信用合作社不同。合作社并不是一家金融机构，目前，江苏省试点的农民资金互助合作社大部分登记为“民办非企业单位”，表面上从事金融业务，但实际上并不在银监部门的监管范围内。通常情况下，由市、县级农工部负责监管。

Peasants' fund mutual cooperatives and rural credit cooperatives different.Cooperatives and not a financial institution,At present,Jiangsu province pilot farmers capital mutual cooperatives for most of the registration"People-run non-enterprise units",On the surface in the financial business,But the fact is not in silver prison department within the scope of supervision.usually,The municipal/NongGongBu at or above the county level responsible for supervision.

　　记者致电江苏银监会农村中小金融监管处，对方明确表示，合作社不在其管辖范畴。而记者在灌南当地一家正常运营的资金互助合作社的营业执照上看到，主管部门为灌南县委农村工作部。

Reporters call the jiangsu banking regulatory commission small and medium-sized rural financial supervision department,Each other made it clear that,Cooperatives is not under its jurisdiction category.And the reporter in the irrigation south a local normal operation of capital mutual cooperative business license saw,The competent department for GuanNaXian committee rural work.

　　24日，灌南县委农村工作部副部长梁公祝对本报记者表示，4家农合社通过作账面放贷放假贷，虽然有相关放贷凭证，但是落款的名字到底是谁的笔迹无法确定，给监管带来了困难。也就是说4家农合社账面对农民放贷的金额，并没有实际发生，而是将储蓄金转移到江苏龙城集团。

24,GuanNaXian committee, vice minister of rural work LiangGong wish to our reporter said,Four farmers joint club through the book lending for the credit,Although there are related lending documents,But badging name exactly is who handwriting can not be sure,Has brought the difficulty to supervision.That is the four agriculture close the book club for farmers the amount of loans,And no actual,But the savings gold transferred to jiangsu cooper group.

　　梁公祝还告诉记者，之前对农合社都是按照规定进行监管，但这次出了这样的事情，相关部门正在研究总结经验教训。

LiangGong wish also told reporters,Before agriculture joint club are in accordance with the provisions of regulation,But this time out of such a thing,Relevant departments are studying summing up experience and lessons.

　　目前当地政府拿出4300万元人民币，拟分3期先行兑付给农合社农户。一位在灌南新安镇“现代农民资金互助合作社”存了4万元的薛姓农民告诉本报记者，按照当地政府的清退方案，自己已经领取到存入本金的60%即2.4万元，还有一张由当地农村经济服务中心提供的1.6万元的欠款清单。

At present the local government out of 43 million yuan RMB,Quasi three phase anticipatory cash to farmers joint club farmers.A south XinAnZhen in irrigation"Modern peasants' fund mutual cooperatives"Have saved 40000 yuan only farmer told our reporter,According to the local government to repel scheme,You have get to deposit 60% of the principal is 24000 yuan,Still have a piece of the local rural economic service center provides 16000 yuan credit list.

　　灌南县宣传部工作人员表示，除了4家“出事”的农合社外，当地还有21家同样性质的农合社，运行还比较规范。

GuanNaXian propaganda department staff said,In addition to the four"accident"Farming together outside the club,Local and 21 in similar nature of agriculture joint club,Operation also compares a standard.

　　中央财经大学金融学院教授郭田勇接受本报采访时表示，对于从事金融业务的非金融机构，在设立之初就要明确监管部门。农民资金互助合作社目前主要还是要依托政府相关部门的监管。

Central university of finance and economics institute of finance professor guo TianYong accept our interview said,In the financial business for the non-financial institutions,Established in the beginning of the supervision department will be clear.Peasants' fund mutual cooperatives at present mainly still depends on the supervision of the relevant government departments.