临近春节，苏北的连云港(601008,股吧)“跑路”风潮再现，跑路对象涉及担保公司、农民基金互助合作社和小贷公司经营者。诸多乱象的背后，再一次警示地方金融过度扩张而监管薄弱，灰色金融和影子银行现身，其酿就的风险失控苦果正在由始作俑者品尝。

Near the Spring Festival,Of jiangsu province lianyungang(601008,guba)"Run road"Emersion of agitation,Run road target guarantee company/Mutual fund farmers cooperatives and small credit business operators.Many of the mess behind,Once again, warning local financial excessive expansion and weak supervision,Grey financial and shadow Banks appeared,The risk of making it out of control by the bitter is the taste.

　　假单证装了几个大麻袋 False documents with several big bag

　　“圆周率的老板王臣及妻子程琳2012年8月份出逃美国，留下巨额窟窿。2010年以来，夫妻俩以月息20%。的高利息为诱饵，非法吸收社会公众存款超过1.5亿元，另有多家银行贷款近2亿元。”当地一位熟悉案情的人士介绍说。

"PI boss wangchen and his wife cheng Lin in August 2012 the United States run away,Leave a huge hole in.Since 2010,Both the husband and wife to monthly interest of 20%.High interest rates as bait,Illegal absorbing public savings of more than 150 million yuan,Otherwise several bank loans nearly 200 million yuan."A local people familiar with the case said.

　　他所说的圆周率公司全称为江苏连云港圆周率机械制造有限公司，圆周率的事情还未完，灌南汤沟、新安等多个乡镇农民资金互助合作社也出险，逾亿资金被不法高利贷经营者挪向房地产领域。

He said the total PI PI called jiangsu lianyungang machinery manufacturing co., LTD,PI things still unfinished,Irrigation ShangGou south/Xinan, and other rural mutual cooperatives funds also be or get out of danger,More than hundred million funds are illegal usury operator to move to the real estate industry.

　　紧接着，邻县灌云又爆出民信农村小额贷款公司（下称“民信小贷”）实际控制人田春明携款外逃事件。过去三年时间里，这家小额贷款公司通过虚构杜撰莫须有的农户贷款，大量用内部人冒名贷款，以给股东企业超规模发放关联贷款等形式把资本金抽空，假报表、假流水账和伪造客户印章蒙骗相关金融机构。这回，中枪的是江苏省信用再担保有限公司（下称“江苏再担保”）和国开行江苏分行。

then,LinXian irrigation cloud and people believe out rural microfinance company(Hereinafter referred to as"People believe small credit")The actual control of people with TianChunMing flight event.The past three years,The small loan companies through the fictitious coined unwarranted farmers loans,A large number of loans by insiders,To give shareholders enterprise super size issue related loans and other forms the capital time,False statements/False live account and forge customer seal deceive related financial institutions.This time,The gun is jiangsu province credit to guarantee co., LTD(Hereinafter referred to as"Jiangsu to guarantee")And the kingdom of jiangsu branch operation.

　　成立于2010年8月的民信小贷，注册资本金1.2亿元，由田春明作为实际控制人的江苏博凯投资担保公司，加上田春明的父亲田作梨等另两个自然人发起设立，到案发时止，民信小贷账面反映的信贷资产近1.6亿元，并且单笔贷款都很大，动辄以百万元计。但调查显示，民信小贷对股东的关联贷款较多，相关部门认定，信贷资产大多为冒名的不实贷款和关联贷款，资本金和外部融来的资金均已被田春明抽逃侵占。

Was founded in August 2010 people believe little credit,Registered capital of 120 million yuan,By TianChunMing as actual control of jiangsu BoKai investment guarantee company,Add TianChunMing father field for pear and two other natural person to launch,To stop when the,People believe small loan book reflects the credit assets of nearly 160 million yuan,And single loan are very big,Frequently with one million yuan meter.But the survey,People believe small loans to shareholder related loans more,Related department as,Most of the credit assets for name not real loans and loan association,Capital and external melt to funds have been TianChunMing flee occupy.

　　“田春明外逃后，从他公司搜出大量的假印章，复印粘贴的假单证装了几个大麻袋，办案的面包车来回拖了两趟才拖走。”调查人员吃惊地发现，大量贷款都是虚构杜撰的，在对资金流向和信贷档案进行比对核查时，发现客户借款合同上的公章、印鉴留痕模糊，大小不一。他们打电话给贷款客户，许多都是张冠李戴，根本就对不上号，一些人莫名其妙“被贷款”。接近案情调查的一位人士对《第一财经日报》提供了这些信息。

"TianChunMing flight after,From his company find out a lot of false seal,Copy paste false documents with several big bag,Handle a case of minibus and drag two trip to drag away."Investigators was surprised to find that,A large number of loans are made up of the coin,In the capital flow and credit files for comparison when check,Found the customer loan contract on the official seal/Signature evidence fuzzy,sizes.They call loan customers,Many are even,There is on the number,Some people without rhyme or reason"Be loan".Close to the investigation of the case to a people[The first financial daily]Provides the information.

　　本报从多个提供信息的“被贷款”当事人处获悉，他们不少都是2011年前贷的款，早已还迄，但是办案人员联系他们时才知道，这家小贷公司的贷款余额清单上，以其名义的欠款信息还赫然在目。

Our newspaper from many of the information it provides"Be loan"The parties have learned,They are 2011 years ago a lot of money lending,Effect has also,But investigators contact them to know,The small credit loan balance of the company on the list,In the name of the credit information is emblazoned on the wall.

　　监管机构未察觉 Regulators fly

　　民信小贷从2010年成立就没有做过多少正经八百的小贷业务。当年有过不多的一些业务，实际上是为后来的再融资做铺垫，“当时他给我们的利率表面是银行利率的4倍，但账外还要收额外的费用，平均的利率都在30%~40%，有的还更高，我们都吃不消。一般个把月周转过来就赶紧还掉。” 民信小贷刚开业时，在这里办过一笔10万元小额借款的一位种养户对本报记者说。

People believe from small credit was founded in 2010 there is no too much serious little credit business.Was a little some business,In fact is for later or refinancing,"At that time he gave us interest rates surface is 4 times the bank interest rate,But concealed take additional cost,The average interest rate are 30% ~ 40%,Some still higher,We all be unable to stand.Generally a month of turnover to quickly go as soon as possible." People believe small credit has just started,Here to do a sum of 100000 yuan a small loan and raising door to our reporter said.

　　直到该公司实际控制人失踪后，那些糊弄人的假账才浮出水面。调查显示，从贷款客户名单，到银行流水对账单，包括录入金融办数据库中的信息，都是假的。而田春明作为实际控制人的博凯投资担保公司、泰诺实业有限公司，虽然注册资本金都逾亿，但本质都是其用以掏空民信小贷的空壳平台。知情人说：“田在下一盘很大的棋。”遗憾的是，在相当长的时间里，监管部门和合作银行及担保机构并未察觉。

Until the company's actual control after missing,Those who deceive people's false accounts to surface.Investigation shows that,From loan client list,Water to the bank statement,Including financial input to the information in the database,Are false.And TianChunMing as the actual control of the company BoKai investment guarantee/Tylenol industrial co., LTD,Although registered capital is more than hundred million,But the essence is to empty people believe small loan shell platform.Insider said:"Field in the next dish a lot of chess."It is a pity that,For a very long time,Regulators and cooperative Banks and guarantee agencies did not perceive.

　　2011年底，民信小贷向刚成立的江苏再担保连云港分公司申请，为其在国开行的6000万元贷款进行担保。这是连云港分公司的第一笔大业务。相关人员回忆说，当时市金融办还出具了推荐函， 民信小贷前期与中信银行(601998,股吧)、南京银行(601009,股吧)等商业银行有过融资和担保往来，当地政府的评价为正常，“未发现重大疑问和异常”，于是将担保金额下调后为其担保，反担保方案为田春明持有的作价5494万元的一公司股权。

By the end of 2011,People believe small loans to start-up jiangsu lianyungang branch application to guarantee,In the countries of operation for $60 million loan guarantee.This is lianyungang branch first big business.Relevant personnel recalled,At that time the city financial do also issue the recommendation, People believe the small credit with citic bank(601998,guba)/Nanjing bank(601009,guba)Wait for commercial bank had financing and guarantee current,The local government for the evaluation of normal,"Did not find significant doubt and anomaly",So will guarantee amount after cut for its guarantee,Counter guarantee scheme for TianChunMing hold 54.94 million yuan price of a company shares.

　　来讨债的没有消停过 To pay the rent of have no persist over

　　随着田春明外逃，靠假账支持的公司轰然倒塌，因公司资产早已被掏空，所谓作价5494万元的公司股权几成废纸。资金出借方国开行江苏分行和为贷款提供担保的江苏再担保为此备感焦灼，据悉，双方已就风险化解和处置问题举行多轮闭门会议。

As TianChunMing flight,By false account support company collapse with no time,Because of the company's assets have been empty,The so-called value 54.94 million yuan company shares a few into the waste paper.Money lenders countries operation jiangsu branch and provide security for the loan of jiangsu to guarantee to feel deeply worried,It is reported,Both sides have risk dissolves and disposal of a closed door meetings several rounds.

　　国开行有关人士已表示， 将检讨并重新评估小贷公司的贷款风险问题，并对一些地方的小贷公司融资项目逐一进行风险排查，一些贷款可能要提前收回。

Countries operation authorities has said, Will review and reassess small loan company's loan risk,And for some local small credit company project financing risk by machines,Some loans may be back in advance.

　　担保、小贷、农贷，一旦老板“跑路”，背后或多或少必然涉及高利贷，这几乎已是一条灰色定律。随着案情深入，更多有关田春明的信息被披露出来，据田作梨交待，田春明的担保公司涉及多起民间高利贷，有单据可查的应在数千万元。他不仅欠银行的贷款，另外还有“具体数额不详”的民间融资。田春明跑路后，“家里来讨债的就没有消停过。随着春节临近，家里每天都会来几批讨债的不速之客，全家人心惶惶，无处安身，不知怎么过年。”田作梨说。

guarantee/Small credit/Agricultural credit,Once the boss"Run road",Behind more or less will inevitably involve usury,This is almost is a gray's law.With the in-depth case,More about TianChunMing information is revealed,According to the field for pear confessed,TianChunMing guarantee company cover several folk usury,A document can check should be in the tens of millions of yuan.He not only owe the bank loan,In addition"Specific amount is unknown"Folk financing.After TianChunMing run road,"Home to pay the rent does not have a steady.With the Spring Festival is near,Every day at home to several dun's life,Family jittery,nowhere,I do not know how the Chinese New Year."Field for pear said.

　　案发后，相关部门已加大力度抓捕犯罪嫌疑人。涉案的资产保全工作也在进行，田春明父亲说，账全在田春明身上，他出走时所有资料都用U盘拷走。他熟练使用网银，并把与多家有业务关系的银行U盾带走，办案机关已与多家银行的电子银行部相对接，对其网银系统进行管控。

After the,Relevant departments have intensify efforts to catch the criminal suspect.Involved in asset preservation work also,TianChunMing father said,Accounts in all TianChunMing body,He run away all material with U disk kao go.His proficiency in the use of net,And with several have business relations bank U shield away,Handle a case authority has with many Banks electronic k, relative joint,The net system control.