曾经年销售额6000多万元的大型专营客车销售公司——山西今诚汽贸有限公司（化名，以下简称今诚汽贸）目前已经陷入全面瘫痪。2010年3月6日，公安局将公司账目档案及重要空白文书扣留，至今，案件仍在侦查中，企业无法继续经营。

Have annual sales of more than 6000 yuan in large passenger car sales company, shanxi this honesty QiMao co., LTD(alias,Hereinafter referred to as the "honesty QiMao today)At present already in a comprehensive paralysis.March 6, 2010,Public security bureau will company account files and important blank documents detained,has,The case is still in the investigation,Enterprise is unable to continue operating.

　　1月25日，站在已经破败不堪的办公楼里，今诚汽贸总经理李某向《中国企业报》记者介绍：“整个这层楼都是我们原来的办公室，前面是展厅，院子里是修理车间。原来这里可热闹了，来买客车的都是一家子，大人孩子的一群，欢天喜地的。”他痛苦地看了一眼铭牌还在、大门紧锁的总经理室，“我没带钥匙，算了，不进去了。”

On January 25th,Standing in the office building has been worsening,This QiMao sincere to general manager li mou[Chinese enterprises to]Reporter is introduced:"The whole this floor is our original office,Front hall is,The yard is a repair shop.The original here can be noisy,To buy a bus is family,A group of adult children,rapturous."He pain look nameplate is still in/The gate lock general manager room,"I didn't bring my key,Forget it,Don't go in."

　　祸起贷款 Disaster on loan

　　从曾经的企业家变成如今举债度日的穷汉，已经立项报批的土地如今被迫闲置、命运未卜，本来红红火火的公司却被查封面临倒闭，全部家庭财产被冻结，全家人被迫东躲西藏、有家不敢回……在李某看来，他这一切噩梦均始于两笔共2500万元的贷款。

From once entrepreneurs become now live QiongHan debt,Has project approval of the land now forced to idle/Fate is uncertain,Was thriving company was bankrupt attachment,The whole family property is frozen,The whole family was forced to run/There's a can't back to...In area it seems,He is all this nightmare begins with two pen a total of 25 million yuan in loans.

　　《中国企业报》记者来到了一块刚刚搭起两处建筑框架的空置土地处。尽管已经接近失明，但李某仍然竭尽全力地看清眼前这一切：“就是这块地，现在已经停工两年多了。”

[Chinese enterprises to]The reporter comes to a piece of just put up in two architectural framework of vacant land place.Although is close to blindness,But lee still try to see all the eyes:"Is the land,Now shut down more than two years."

　　李某告诉记者，创建于2002年的今诚汽贸是当地首家大客车经销企业，因为抓住了市场机遇，公司发展一直很快，平均每年销售额都在6000到7000万元。2007年，为了拓展业务，今诚汽贸又在当地一级路旁购买了70亩土地，准备兴建一家主营大客车销售、检测及售后维修业务的汽贸中心。今诚汽贸将项目上报，经发改委立项审批后，2009年9月今诚汽贸与国土资源局签订的成交确认书为69.57亩，并于2010年元月办理了土地使用权证。

Li mou told reporters,Founded in 2002 QiMao this honesty is the first local bus distribution enterprise,Because catch the market opportunity,The development of the company has been very soon,An average annual sales in 6000 to 70 million yuan.In 2007,,In order to develop business,This QiMao sincere and at a local level by the roadside to buy 70 mu of land,Ready to build a professional sales coach/Testing and after-sales maintenance business QiMao center.This honesty QiMao will report to the project,The development and reform commission (NDRC) project approval,In September 2009 QiMao this honesty and bureau of land and resources of the signed sales confirmation, 69.57 mu,And in 2010 January dealt with land access card.

　　与此同时，今诚汽贸也面临2400万元的巨额土地出让金。此前，今诚汽贸为补偿和平整土地已经投入大量资金，因此资金链有些紧张。这时，李某决定通过朋友向农村信用联社贷款，而这个朋友正是时任信用联社主任的亲侄子芦某，当时，芦某是农村信用联社办公室的工作人员。

meanwhile,This honesty QiMao is facing the huge 24 million yuan of land sell one's own things.after,This QiMao sincere for compensation and leveling the ground have already been put into a lot of money,So some capital chain tension.At this time,Li mou decided through a friend to the rural credit association loans,And this friend is the credit association director's close nephew a reed,At that time,Reed is a rural credit association office staff.

　　李某回忆说：他被芦某带到了其亲姑姑、时任农村信用联社主任（现任农村商业银行行长）郭某的办公室，洽谈了贷款一事。

Li mou recalls:He was brought to the reed a kiss aunt/The rural credit association director(The current rural commercial bank President)Named office,Talks about the loan.

　　为了能顺利贷到款，李某又与芦某签订了转让协议，将自己妻子名下的今通汽车贸易有限公司（化名，以下简称今通汽贸）过户给芦某之妻贾某，重新进行独立核算，并将每年300台长途客车的销售业务一并转送给贾某，仅此一项业务每年利润就在300万元以上。此外，今诚汽贸还要再为今通汽贸注资300万元作为前期的流转资金，这样，贷款就以今通汽贸名义取得，然后，今通汽贸再以入股及合作的形式，将所贷来的款项投资给今诚汽贸，用于缴纳土地出让金。

In order to successfully get money,Li mou and reed canary with a signed transfer agreement,His wife's name on this car trade co., LTD(alias,Hereinafter referred to as "this pass QiMao)Transfer to a wife JiaMou reed canary,To conduct independent accounting,A year and 300 sets of long-distance car sales business and gave a JiaMou,Just a business profit every year in 3 million yuan of above.In addition,This QiMao sincere again for this pass QiMao capital 3 million yuan as the circulation of money,this,The loan is to get this through QiMao name,then,This pass QiMao again to invest and the form of cooperation,To the credit of this investment to QiMao honesty,Used to pay the land grant fee.

　　至此，今通汽贸顺利从农村信用联社贷到两笔共2500万元款，之后向今诚汽贸投资共计2100万，而芦某又分多次从李某手里支出了约300万元。据李某说，这300万元是在郭某的授意下给她个人的好处费。

So far,This pass QiMao smoothly from rural credit association credit to two sum of 25 million yuan of money,After this QiMao sincere to invest a total of 21 million,And a reed and points many times from li mou hand spending about 3 million yuan.According to li mou said,This is 3 million yuan in the request of named for her personal favour fee.

　　但无论如何，此时，李某已经顺利拿到土地证，而他也坚信，只要把这个项目做起来，投资很快能收回。

But no matter how to,At this time,Li mou has successfully get land certificate,And he also believes that,As long as the item it,Investment can take back soon.

　　融资衍生的土地生意经 Financing derived land business

　　然而，令李某没有想到的是，项目所占的这块双面临街的土地竟成了“唐僧肉”，最终让他与郭某、芦某家族反目。

however,Make li mou didn't think of,The project of the double frontage land have become"Tang's monk meat",Finally let him and named/Reed a family quarrel.

　　李某告诉《中国企业报》记者，贷款落实以后，郭某再次通过芦某找到李某，要求签一份《补充协议》，其内容是：之前转让给今通汽贸的业务利润全部归今通汽贸所有，并以今通汽贸的名义从今诚汽贸的70亩土地中租赁10亩兴办加油站。

Li mou told[Chinese enterprises to]reporter,Loan after the implementation of,Again through the reed with a find li mou,Calls for a[Supplementary agreement],Its content is:Before this QiMao transferred through all of the profits of the business to this pass QiMao all,And the name of this pass QiMao from QiMao sincere 70 mu of land lease in 10 mu by gas station.

　　李某同时给记者出示了补充协议。《中国企业报》记者看到，协议写明：“甲方将10亩土地租赁给乙方，由乙方在10亩土地上建立一个客车销售展厅，余下的土地由郭某以甲方的名义建设加油站，独立法人，独立核算，25年内甲方不收取乙方土地租赁费用，25年后，乙方按照低于25%的市场租赁价向甲方缴纳土地租赁费。”

Lee also give reporters presented the supplementary agreement.[Chinese enterprises to]The reporter sees,Written agreement:"Party a will lease to party b 10 mu of land,Party b in ten acres of land to build a passenger car sales exhibition hall,The rest of the land by party a with the name of the gas station construction,Independent legal,Independent accounting,Party a party b 25 years not to charge the land lease cost,25 years,Party b according to less than 25% of the market price of the lease to party a to pay land rental fee."

　　李某说，他是个知恩图报的人，再次答应了郭某的要求。所谓的“租赁”实际是免费使用，并不给租金。

Li mou said,He is a honest Abe people,Once again promised with requirements.The so-called"lease"Actual it is free to use,Not to rent.

　　同时，今诚汽贸用贷款缴纳了土地出让金，国土部门给办理了《土地使用权证》。

At the same time,This QiMao sincere with loans to pay the land grant fee,To deal with the department of land management[Land access card].

　　李某坚持认为他是按照金融行业的“潜规则”在做事，为了获得贷款，首先按照郭某的要求，把今通汽贸拱手奉送，其次签订“租赁”10亩地的协议。

Li mou insisted that he was in accordance with the financial industry"Latent rules"In doing,In order to obtain loans,In accordance with the requirements of the first named,This pass QiMao the surrender of cost,A second"lease"Ten acres of the agreement.

　　“更让我没想到的是，他们不仅想要这10亩地，还想分走一半。”李某向《中国企业报》记者介绍，“这我就不能同意了。如果我把那边的一半给他，立项的土地转让也不合法啊，再说，你看看，如果把那一半全给他，我的展厅就被挡在里面，不临街也就算了，反正我卖汽车的，可将来水、电都得从他那边走，我还有活路吗？”

"More let I didn't think is,They not only want this ten acres,Still want to go half points."Li mou to[Chinese enterprises to]Reporter is introduced,"I can't agree with the.If I had to give him half over there,The project of land transfer is not lawful ah,besides,You see,If the half full to him,My gallery were blocked in it,Don't frontage also calculate,Anyway, I sell the car,But the future water/Electricity has to go from his side,I have a way of living?"

　　根据李某给《中国企业报》记者展示的勘测定界图，今诚汽贸所占地是两个村子的临界点，未能纳入项目的地块属某村，而时任村长兼党委书记正是郭某的亲哥哥。

According to li mou to[Chinese enterprises to]Reporter show survey delimitation diagram,This QiMao honesty which covers an area of are two critical point of the village,Not included in the project block belongs to a village,And the village head and secretary of the party committee is the kiss with my brother.

　　据李某回忆，时任村长曾和他就土地一事进行过协商，但他一直没同意，一气之下，先天遗传的双视网膜色素变性加重，只好远赴北京治疗。令他没有想到的是，他却因此而成为刑事诈骗案的在逃犯被公安系统网上通缉。

According to li mou memories,The village head once and he is the land a consultation,But he hasn't been agreed,In a pet,Congenital genetic double retinal pigment degeneration aggravated,Had to go to Beijing treatment.That he did not think of,But he did so and become a fugitive criminal fraud by public security system online wanted.

　　漫漫司法路 Long judicial way

　　签署了出让协议书后，芦家多次打电话催李某办理10亩地的过户手续，并要求其偿还1100万扣除10亩地出让金后的700万元。李某向《中国企业报》记者介绍说，无奈之下，他只好带着已经怀孕7个月的妻子到处躲藏，直到7月份妻子要生小孩才被迫回到老家。

After the agreement signed,Reed home many times calling for li mou ten acres of transfer procedures,And ask them to pay back 11 million deducted ten acres of land sell one's own things after the 7 million yuan.Li mou to[Chinese enterprises to]Reporter said,Helpless under,He had to take has seven months pregnant wife hiding everywhere,Until July wife to have children was compelled to return to their hometown.

　　2010年9月30日，公安局以涉嫌“挪用资金罪”将李某刑拘。后来李某才知道，2010年6月24日，公安分局经侦大队以李某及其妻子从2005年起陆续诈骗时任村长1030万元为由对二人进行网上追逃。

September 30, 2010,Connection to the public security bureau"Sin misappropriation of funds"Will XingJu li mou.Later, li mou didn't know,On June 24th, 2010,The public security sub-bureau of crimes by lee and his wife since 2005 have fraud the village head 10.3 million yuan on the grounds of two people pursuit on the Internet.

　　2011年4月13日，公安局经侦队对李某以信用卡诈骗、挪用资金、骗取贷款罪向检察院审查起诉，2012年4月23日，公安局以诈骗罪不成立撤案。

On April 13, 2011,Public security bureau to JingZhenDui li mou to credit card fraud/Misappropriation of funds/Cheat loan sin to procuratorate review and prosecution,April 23, 2012,Public security bureau to fraud was not CheAn.

　　李某认为，他掉进了郭某“金融世家”的关系网里。

Li mou think,He fell into a named"Financial family"Relationships in.

　　为了采访到郭某，《中国企业报》记者来到农村商业银行，在敲了郭某办公室门无人应答的情况下，记者拨通了郭某的电话。在得知了记者的采访要求后，郭某表示：“李某就是个骗子。”其他问题她都没有正面回答记者，只让记者去问律师。她同时拒绝给记者提供时任村长的联系方式。

In order to interview to named,[Chinese enterprises to]The reporter comes to rural commercial bank,In knocked at the office door with no response of the case,Reporter dialed the telephone with.In that the reporter's interview request,Named said:"Li mou is a liar."Other problems she didn't answer reporters,Only let reporters to ask a lawyer.She also refused to give the reporter gave the village head contact information.

　　随后，记者接到了北京策略律师事务所谢会生律师的电话，谢会生称他是郭某哥哥的律师，记者几次询问他是否是郭某的律师，他并未正面回答。

then,Reporter received Beijing law firm strategy XieHuiSheng lawyer's phone,XieHuiSheng says he is named brother's lawyer,Reporters asked several times if he is named lawyer,He didn't answer.

　　1月26日，记者在北京策略律师事务所见到了谢会生律师。据他介绍，郭某与此事一点关系都没有，并且，目前时任村长已经将农商行所欠贷款全部还清。谢会生一再向记者指出，李某就是骗子，他曾经为了征地，向时任村长借过1000多万元款项，但因为第一次立案时，公安机关侦察不利，所以撤案。目前，公安机关仍在对李某进行侦察，不日将正式批捕。

On January 26,,Reporter in Beijing law firm strategy met XieHuiSheng lawyer.According to he introduced,Named have nothing to do with it,and,At present the village head has owed agricultural businesses off all the loans.XieHuiSheng repeatedly pointed out to reporters,Li mou is cheater,He had to land,To the village head through more than 1000 yuan of money,But for the first time when put on record,The public security organ reconnaissance adverse,So CheAn.At present,The public security organ is still in the area to reconnaissance,In a few days will be officially necessity.