每日经济新闻(博客,微博)记者 梅俊彦 发自深圳

The daily economic news(blog,weibo)Reporter MeiJunYan from shenzhen

　　今年1月10日，《每日经济新闻》记者曾以《河南担保乱象难止 鑫银盛被指扣留数亿元还款》一文将河南鑫银盛投资担保（以下简称鑫银盛）扣留投资者资金的行为曝光。

On 10 January this year,[The daily economic news]Journalists had to[Henan guarantee chaos to check sheng xin silver payments is refers to the detention of hundreds of millions of dollars]Is the henan xin silver investment guarantee(Hereinafter referred to as "xin silver plate)Detained by the behavior of the investors money exposure.

　　《每日经济新闻》记者近日了解到，鑫银盛在去年四季度曾告知投资者，已将相关债务转移给香港中凯华盛国际投资集团。

[The daily economic news]Reporters recently learned,Xin silver is filled in in the fourth quarter of last year told investors,Has the related debt transfers to kay huasheng international investment group in Hong Kong.

　　但有投资者表示，鑫银盛转移债务并未事前跟投资者商量，事后也无相关凭证。对此，记者昨日多次拨打还款计划书中鑫银盛登记的两个电话号码，一个为空号，另一个则提示未交电话费。

But investors said,Sheng xin silver transfer debt talks with investors did not advance,No related documents later.For this,Reporter yesterday many times call reimbursement plan xin silver the two phone number registration,A number is empty,Another tip is not pay the phone bill.

　投资者：鑫银盛告知 中凯华盛接盘债务 investors:Xin sheng told silver kay, huasheng in the flange of the debt

　　“从一些业务的真实情况来看，鑫银盛其实跟小额贷款公司没什么区别。”一位鑫银盛的客户对《每日经济新闻》记者表示。

"From the perspective of the real situation of some business,Xin silver filled with small loans company actually makes no difference."Xin a silver and served to customers[The daily economic news]reporters.

　　据了解，除了银行担保渠道以外，鑫银盛还涉猎多个民间借贷项目，业务模式为企业找鑫银盛融资，鑫银盛负责找民间投资者并撮合双方交易，并为该借贷做担保。

We have learned,Besides the bank guarantee channels,Xin silver also dabbled in more informal lending program,Looking for silver xin sheng financing business model for enterprises,Xin silver is responsible for looking for private investors and brokered the deal,And guarantees for the loan.

　　这些借贷项目中，鑫银盛作为负责监管和垫付的担保方，本应保障投资者资金安全，但是却出人意料地成了投资者无法收回款项的“拦路虎”。

The loan project,Xin silver the DanBaoFang as responsible for the supervision and disbursements,This should be to ensure the safety of investors' money,But unexpectedly became investors unable to withdraw money"Stand in the way".

　　以志元食品项目为例，借贷金额2000万元，志元食品2011年10月份借入，当年12月份还款。投资者告诉记者，该资金的流转过程为：投资者把资金打入鑫银盛的账户，鑫银盛再把资金打到志元食品账户。偿还的本金则由志元食品打到鑫银盛账户，鑫银盛再拆分还给投资者，每月由鑫银盛打到投资者账户。

In tzu chi yuan food project, for example,Lending of $20 million,Chi yuan food borrowing in October 2011,The payment in December.Investors told reporters,The funds for the transfer of process:Xin investors to put money into the bank account,Xin sheng put silver money in account to tzu chi yuan food.Repay the principal criterion by chi xin yuan food into bank account,Xin silver investors to split again,Monthly by xin silver investors into account.

　　2011年12月份，志元食品如期把借款全部还给了鑫银盛，鑫银盛却把款项扣留不返还给投资者。其效果相当于通过志元食品项目，零成本借了投资者2000万元，还收入了担保费。

In December 2011,Chi yuan food all the loan on schedule back to xin silver plate,Sheng xin silver was detained payment do not return it to investors.Its effect is equivalent to through chi yuan food project,Zero cost investors borrowed 20 million yuan,The guarantee is also income.

　　鑫银盛前后制定了多个还款计划，但是投资者告诉记者，鑫银盛并未完全执行还款计划。后来，鑫银盛口头告诉投资者，所欠款项由“天骄置业”公司代偿。但是这一方案鑫银盛并无任何书面说明，也并未跟投资者签订相关债权转移协议。

Sheng xin silver before and after multiple repayment plan,But investors told reporters,Xin silver has not fully perform the repayment plan.later,Xin silver oral told investors,The money by"Tianjiao home buyers"Company to compensate.But this scheme xin silver and without any written instructions,Is not related to the creditor's rights transfer agreement with investors.

　　“目前最新的进展就是，鑫银盛的负责人在中小企业局跟我们开会的时候告诉我们，香港中凯华盛国际投资集团（以下简称中凯华盛）有限公司将参与重组鑫银盛相关公司资产，并承担全部债务。根据最新的还款计划，他们从今年开始每月给我们1分利息，1月份已付款一次，2月份的仍未付。”一位投资者对《每日经济新闻》记者表示。

"The latest progress is at present,Xin silver sheng, the head of the small and medium-sized business bureau told us during the meeting with us,Kay, huasheng in the Hong Kong international investment group(Hereinafter referred to as kay huasheng)Silver co., LTD., will participate in the restructuring of xin sheng related company assets,And bear all debts.According to the latest payment plan,They starting this year each month 1 points of interest to us,In January, has been payment once,February is still unpaid."One of investors[The daily economic news]reporters.

　　另外一位投资者告诉记者，中凯华盛接手鑫银盛的债务转移之后，鑫银盛的相关负责人曾多次表示，鑫银盛不再欠投资者的钱，要钱就找中凯华盛。

Another investor, told reporters,Silver kay huasheng take over xin sheng in debt after the transfer,Sheng xin silver head has repeatedly said,Sheng xin silver is no longer owed money to investors,To search for kay, huasheng in the money.

律师：债务转移须投资者同意 The lawyer:Debt investors transfer shall be agreed to

　　记者在互联网上查到中凯华盛的招聘信息,其中一个办公室的地点在郑州金成国贸大厦26楼，另外一个办公室的地点在石景山瀚海长城大厦，不过电话均无人接听。

Reporters on the Internet to check the zhongkai huasheng recruitment information,One office location in zhengzhou on the itc building 26 buildings,Another office location in shijingshan building house is the Great Wall,But the phone went unanswered.

　　综合多个招聘网对中凯华盛北京分公司的介绍，该企业自称是一家非银行性的金融机构，经过几年的长足发展，公司已与上百家企业建立了融资合作关系。

Integrated multiple recruitment nets for huasheng kay Beijing branch is introduced,The enterprise itself is a non-bank financial institution,After several years of rapid development,Company has partnerships with hundreds of enterprises to establish a financing.

　　《每日经济新闻》记者在香港公司注册处查询到的信息显示，“香港中凯华盛国际投资集团有限公司”在2012年10月9日成立，与招聘网介绍的“几年长足发展”相冲突。

[The daily economic news]Reporters at the Hong Kong companies registry query to the information display,"Kay, huasheng in the Hong Kong international investment group co., LTD"Founded in October 9, 2012,Introduced the recruitment web"A few years rapid development"In conflict.

　　另外，郑州当地房地产网站显示，中凯华盛在去年12月19日举行了“黄河湾国际庄园项目”推介会。该庄园总面积达747公顷。中凯华盛是其中一家投资商，另外一家是中财华信（北京）投资管理有限公司（以下简称中财华信）。中财华信官网显示，其北京市分公司地点跟中凯华盛相同，均在石景山区长城大厦。

In addition,Zhengzhou local real estate website,Zhongkai huasheng was held on December 19"Huang Hewan international estate project"seminar.The farm covers a total area of 747 hectares.Zhongkai huasheng is one of the investors,Another is ZhongCai huaxin(Beijing)Investment management co., LTD(Hereinafter referred to as ZhongCai huaxin).ZhongCai huaxin website display,Its Beijing branch with kay, huasheng in the same place,All the Great Wall in the shijingshan district building.

　　由于中凯华盛在去年10月份刚成立就接盘鑫银盛的债务，并且在随后便投资747公顷的巨大项目，因此其真伪性遭到了众多鑫银盛投资者的质疑。

Due to kay, huasheng in the newly established in October last year, flange xin silver of debt,And then invest 747 hectares of huge projects,So its authenticity by numerous xin silver investors questioned.

　　投资者代表统计，通过鑫银盛放款或者借钱给鑫银盛的客户约有4000名，融资金额超过5亿元。《每日经济新闻》记者昨日（2月28日）致电鑫银盛调查工作组所在单位郑州中小企业局咨询，截至发稿时并未得到回复。

Investors on behalf of statistics,By xin silver sheng lending or borrowing money to xin sheng about 4000 customers,Financing amount more than $500 million.[The daily economic news]Reporter yesterday(On February 28,)Call xin silver filled survey team place unit of zhengzhou small and medium business administration consultation,As of the time did not get a reply.

　　据了解，鑫银盛事件引起了郑州政府的重视，今年年初，河南省工信厅取消了8家企业的融资性担保经营资格，鑫银盛就是其中之一。另外，政府还派出了工作组进驻鑫银盛，由中小企业局相关部门牵头。

We have learned,Xin silver event causing concern in the government of zhengzhou,At the beginning of the year,Henan province ministry canceled hall 8 companies in financing guarantee business qualification,Sheng xin silver is one of them.In addition,The government also sent a working group to sheng xin silver,Led by small and medium business administration departments.

　　北京杨文战律师对《每日经济新闻》记者表示，从程序合规的角度来看，如果一个企业要把债务关系转移到第三方，必须经过投资者同意。

Beijing Yang Wenzhan the lawyer[The daily economic news]reporters,From the point of view of compliance program,If a business wants to put the debt relationship is transferred to a third party,Must go through investors agree.

　　一位业内人士对记者表示，“如果双方没有相关凭证证明债务转移，垫付的责任按理仍然在担保公司身上。”

One industry insider told reporters,"If the two sides didn't transfer related documents as debt,Advances of responsibility arguably still in guarantee company."