2013年春节前夕，江苏省金钥匙担保股份有限公司（下称金钥匙）负责人李才平及其兄李才荣因涉嫌非法集资而去向不明。

On the eve of Spring Festival in 2013,Jiangsu golden key guarantee co., LTD(Hereinafter referred to as the golden key)Head Li Caiping and brother Li Cairong on suspicion of illegal fund raising and unaccounted for.

　　近200名债权人被卷入这一风波，据债权人之一王先生告诉本报，仅是普通债权人被卷入资金就达3亿多。

Nearly 200 creditors were involved in this affair,According to the creditors of Mr Wang told the newspaper,Is only ordinary creditors is caught up in money alone more than 300 million.

　　金钥匙或将成为南京市今年“消失”的一家担保企业。记者从南京市担保业协会获悉，南京市融资性担保公司数量在2012年减少了近10家。今年春季，江苏省监管机构对融资性担保公司已经展开新一轮的例行审查。经过此次年检后，还将有更多的担保公司被注销。

Golden key or will be in nanjing this year"disappear"A guarantee company.The reporter learns from the association of nanjing assurance,Nanjing a financing guarantee company number decreased by nearly 10 in 2012.In the spring,Regulators of financing guarantee companies in jiangsu province has started a new round of routine examination.After the annual inspection,Will also have more guarantee company is cancelled.

　　江苏省经信委一位相关负责人对本报表示，2012年江苏省去年融资性担保公司资质被核销的有80多家。

By letter in jiangsu province committee for a responsible for the newspaper said,In 2012 in jiangsu province last year, the financing guarantee companies be cancel after verification of qualification of more than 80.

　　担保公司在经历疯狂膨胀期后，正迎来一个退潮期。南京市担保业协会秘书长刘剑平认为，担保业的环境需要净化。

Guarantee companies after crazy expansion period,Is in a low tide period.Association secretary-general LiuJianPing think of nanjing assurance,Assurance environment need purification.

　　担保公司乱象 Guarantee company mess

　　资料显示，金钥匙成立于2004年6月，注册资本为5000万元，原名为南京金钥匙贷款担保有限公司，是专业从事投资信用担保的金融服务企业。同时据本报获得的一份李才平于2012年中作为公司董事长的重要讲话稿复印件显示，2012年公司注册资本增加到10700万，2011年度公司信用评级为A+。

According to,Golden key was founded in June 2004,The registered capital is 50 million yuan,Formerly known as nanjing golden key loan guarantee co., LTD,Is specialized is engaged in the investment credit guarantee of financial services companies.At the same time, according to the newspaper for a Li Caiping in mid - 2012 as chairman of the board of directors of the company's important speech copy shows,Company's registered capital increased to 107 million in 2012,Company credit rating to A + 2011.

　　记者从债权人处获得一份2011年11月的借款协议复印件中显示，借款人为李才荣（李才平的亲兄弟）以个人名义出面向公众进行借款，借款年利率为24%，金钥匙担保公司作为借款协议的担保方。

Reporters from creditors in order to obtain a copy of the loan agreement in November 2011 in the display,The borrower for Li Cairong(Li Caiping brothers)In the name of the individual to the public for borrowing,Loan interest rate of 24%,Golden key DanBaoFang guarantee companies as a loan agreement.

　　本报了解到，金钥匙事件背后牵扯债权人近200名。债权人代表人之一的王先生对本报表示，家人从2010年开始与李才荣和金钥匙公司发生借贷关系，而债权人中最早开始与其发生借款关系的是在五六年前。其实李才荣给出的利息并不算高，之所以选择金钥匙，是因为担保方金钥匙在当地算得上一家比较有名的担保公司。

The newspaper to know,Golden key events behind the creditors involved nearly 200.Creditors to Mr Wang, one of the representative of the newspaper said,Family since 2010 with Li Cairong and borrow from golden key,And creditors in the earliest start happening rather than borrowing relations in the five or six years ago.Actually given Li Cairong interest is not high,Chose the golden key,Because DanBaoFang golden key in the local is a more famous guarantee company.

　　据王先生描述，从2012年秋天开始，李才荣给的利息便陆续开始出现延期现象，最后多次沟通答应多名债权人1月28日同意归还，但当日李才荣以及李才平兄弟并没有出现，且金钥匙办公室也人去楼空。

According to Mr. Wang described,Since the fall of 2012,Li Cairong to interest gradually begin to appear delay phenomenon,Last more than many times communication to creditors agree to return on January 28th,But on the day of Li Cairong and Li Caiping brothers did not appear,And golden key offices are empty.

　　江苏威曼斯国际贸易有限公司（已停业，下称威曼斯）的“法定代表人”王宁也因为李才平的跑路而陷入困境。“我现在非常痛苦！”王宁表示，“民生银行(600016,股吧)与中国银行(601988,股吧)向我提起法律诉讼，分别要我承担两笔490万和100多万的公司贷款，这两笔债务都是威曼斯通过金钥匙担保公司向银行获得的用于公司运营的贷款。”

Jiangsu wieman international trade co., LTD.(Has been out of business,Hereinafter referred to as wieman,)the"The legal representative"Wang ning also because Li Caiping run and get into trouble."I now very pain!"Wang ning said,"Minsheng bank(600016,stocks)And the bank of China(601988,stocks)Legal action against me,You want me to take two more than the sum of 490 and 100 corporate loans,Both debt had been wieman stone golden key guarantee companies used in the operation of the company for loan to the bank."

　　但事实上，王宁本只是威曼斯的一名跟随李才平多年的业务兼办公室负责人，而李才平才是威曼斯的实际控股人，并利用担保公司帮助关联企业从银行获得授信。

But in fact,Wang Ningben just wieman, follow Li Caiping business for many years and a head office,But Li Caiping is wieman 'actual holding people,And use the guarantee company help the associated enterprises to obtain credit from Banks.

　　据王宁回忆，2006年某天李才平借用其身份证但并未说明用途，直到要他签字的时候才知道是被用于登记威曼斯公司的法定代表人，但碍于李才荣是老总身份，便没有多追问。

According to wang ning memories,In one day in 2006 Li Caiping borrow its id but did not say use,Until to his signature is used to register wieman, the legal representative of the company,But because of the Li Cairong is boss identity,No more questions.

　　“金钥匙的关联企业远不止于此，多产业发展或是金钥匙倒闭的原因。”一家接近金钥匙担保有限公司的人士对本报表示。

"Golden key of the associated enterprises is far more than that,Why so many industrial development or golden key failure."A person close to the golden key guarantee co., LTD for the newspaper said.

　　事实上，威曼斯仅是江苏富邦投资有限公司下设的一个子公司，据记者获得的一份富邦公司组织架构图显示，旗下还包括江苏易时代国际商务有限公司，南京聚宝典当责任有限公司。根据威曼斯的营业执照显示，其公司成立于2004年，经营范围为金属制品、化工材料等。

In fact,,Wurman is jiangsu fubon investment co., LTD. Consists of a subsidiary,According to the reporter obtained a fubon company organizational chart shows,, also including jiangsu yi era international business co., LTD,Nanjing gathered treasure dian, when responsibility co., LTD.According to wyman's business license,The company was founded in 2004,Scope of business for metal products/Chemical materials, etc..

　　来自于债权人在富邦公司档案室内取得的一份2010年3月22日的任命通知书复印件显示，金钥匙公司负责人李才平与富邦集团的关系匪浅。任命书显示，为适应新形势下公司经营发展需要，经董事会选举，李才平任江苏富邦投资实业有限公司董事长，负责主持全面工作。

From creditors in indoor fubon company file a notice of appointment of March 22, 2010 copies,Golden key Li Caiping, head of the company's relationship with fubon group.Appointment letter shows,In order to meet the new situation company development needs,The board of elections,Li Caiping as industrial co., LTD., chairman of fubon investment in jiangsu,Is responsible for the overall work.

　　2012年6月，李才荣又将王宁更改为一家江苏大禾能源有限公司的法定代表人，将威曼斯的法定代表人更名为曹光荣（李才平的妻弟）。据王宁透露，大禾能源有限公司的实际出资人和人员派遣都来自于富邦公司，大禾从事的是煤炭经营等相关业务。

In June 2012,Li Cairong wang ning will change again for a large grain of jiangsu energy co., LTD., the legal representative,Will wieman, the legal representative of the renamed Cao Guangrong(Li Caiping brother-in-law).According to wang ning,Large grain energy co., LTD., the actual investor and personnel dispatched from Yu Fubang company,Big grain in business is coal trading, etc.

　　据多位债权人表示，李才平非法集资案涉及范围广、资金多。上述王先生表示，案件受理的公安经侦人士承认涉案金额高达3个多亿。目前王先生联合其他债权人在自行分批进行金额统计，这其中包括建材、钢材市场等抱团借款给李才平兄弟的资金，此外还有李才平的多名老乡凑的4000多万借款。

According to a number of creditors,Li Caiping illegal fund-raising cases involving a wide range/More than money.The above said Mr Wang,Cases accepted by the public security economic investigation people acknowledged that the amount is up to more than three.Now Mr Wang joint other creditors in partial amounts by statistics,This includes building materials/Steel market to Li Caiping brother and other means of borrowing money,In addition to Li Caiping many villagers gather more than 4000 borrowing.

　　王宁表示，民生银行向威曼斯起诉的由金钥匙公司担保的490万元借款日期是2012年8月，今年8月份到期，但偿还过第一季度利息后，李才荣便消失了。以威曼斯的业绩来说，即便去年有受经济影响，有些钢材煤炭资金无法回笼是常有的事，但也还没到运转不下去的地步。

Wang ning said,Sue to wieman, minsheng bank guarantee by the golden key company 4.9 million yuan loan date is August 2012,Due in August this year,But after pay interest in the first quarter,Li Cairong disappeared.With wieman 'performance,Even though last year there were influenced by economy,Some steel products from coal capital flows up is often the case,But still haven't to the point of running down.

　　据债权人表示，公安经侦人员曾透露，已经到香港等地核查，近几年李才平多次将资金通过香港转往国外。据债权人收集资料获得的消息是，其兄弟李才荣及其家人成功逃往国外，而李才平虽然不知去向但并未逃往国外。据一位不愿意透露姓名的债权人表示，李才平因为在等最后一笔银行贷款到账而没有走成，但事发一个多月，经过多次沟通后分管案件的公安经侦人员拒绝向债权人透露是否已经控制了李才平本人。

According to the creditors,Public security economic investigation has revealed,Have been to Hong Kong and other places for verification,In recent years Li Caiping will be transferred to the foreign capital through Hong Kong many times.According to the creditor to collect data is obtained,His brother Li Cairong success and his family fled the country,And although Li Caiping unaccounted has not fled the country.According to an unnamed creditors said,Li Caiping because in finally such as a bank loan to the account and did not go into,But the more than a month,After many times communication for the case of public security economic investigation personnel refused to say whether the creditor has controlled the Li Caiping himself.

　　金钥匙及其关联公司的倒闭或将牵扯多家银行资金。

Golden key and its associated company will involve many Banks fail or money.

　　本报从王先生处获悉的一份事发后债权人从金钥匙公司取得的一份宣传资料显示，金钥匙公司从2009年至2011年曾与宁波银行(002142,股吧)、中国银行、南京银行(601009,股吧)、招商银行(600036,股吧)、兴业银行(601166,股吧)、紫金农商行、江苏银行、恒丰银行等签订担保业务合作协议。

We learned from Mr. Wang a after the creditors obtained from golden key company publicity material has showed,Golden key company from 2009 to 2011 and the bank of ningbo(002142,stocks)/The bank of China/Bank of nanjing(601009,stocks)/China merchants bank(600036,stocks)/Societe generale(601166,stocks)/Purple "firm/Bank of jiangsu/Hengfeng bank guarantee business cooperation agreement, etc.

　　膨胀后的退潮期 Inflation after the ebb

　　金钥匙是江苏省担保公司因违规经营而引发倒闭跑路事件中的一例。去年南京大型民营担保公司中融信佳投资担保有限公司也因违规经营而陷入危机。南京担保协会秘书长刘剑平坦言，南京去年的担保业动荡很大，跑路倒闭的企业多半与非法集资等违规经营有关。

Golden key is guarantee companies in jiangsu province road collapse caused by irregular operations running events in the case.Nanjing big private security company last year in the melt serco investment guarantee co., LTD., is in crisis because of irregular operations.Nanjing security association secretary-general LiuJianPing said,Nanjing turmoil of last year's assurance is very large,Run the collapse of enterprises are mostly associated with illegal activities such as raising funds illegally.

　　江苏省中小企业局融资担保处副处长董云曾对媒体表示，“被取消资质的公司有两大"硬伤"，一是资金使用不符合规定，二是机构负责人涉嫌非法吸收公众存款、非法集资等重大违法违规问题。当然，也有个别机构因赢利状况较差主动退出市场。”

Jiangsu province of small and medium-sized financing guarantee department, deputy director of the bureau Dong Yunceng told reporters,"Cancel the qualification of the company has two big"Indifference to",One is the money used do not conform to the rules,2 it is agency officials suspected of illegal absorb public deposits/Illegal fund-raising problems of serious violation, etc.Of course,,There are individual institutions for active exit the market profit is in poor condition."

　　谈起担保业近十年起伏，江苏百发担保相关负责人陈尹颇有感慨。

Talk about assurance for nearly 10 years of ups and downs,Jiangsu best guarantee there is feeling quite Chen Yin relevant principals.

　　2009年至2011年，是继2005年后担保业的又一个疯狂膨胀期。据陈尹回忆，2009年时南京的融资性担保公司已经超过了100家。同时，担保业各种乱象也不断频发，包装企业从银行骗取贷款、非法集资的事频发，企业拓展多元化产业，导致了这两年的风险集中爆发。2011年至2012年，大型担保公司案件爆发，银行终止了和多家担保公司的合作，陈尹的公司也不例外，随后其将业务转移至股份制银行和城商行，公司才得以挽救。

From 2009 to 2011,Is the first time since 2005 after the assurance and a crazy expansion period.According to Chen Yin memories,In 2009 in nanjing a financing guarantee company has more than 100.At the same time,Assurance of chaos and frequent,Packaging companies defraud loans from the bank/Many illegal fund raising,Enterprise development diversified industries,Led to the outbreak of risk concentration in these two years.From 2011 to 2012,A large outbreak of guarantee company case,Banks stopped and guarantee companies and a number of cooperation,Chen Yin companies are no exception,Then it will be business transferred to the joint-stock Banks and city firms,To save the company.

　　根据最新的江苏省融资性担保公司管理办法规定，新成立的担保公司发起股东中必须要有企业法人，但陈尹认为，这个成立条件恰恰是担保业的一个隐患。他透露，如果考虑目前担保业的营业利润情况，几乎没有企业股东愿意注资，或者被PE、VC相中。因此担保公司发起人可能会换一种方式取得企业注资，除了给予企业高额的回报，还许诺能通过包装帮助企业从银行融得高于注资的借款。这加剧了担保公司与其关联企业一起骗贷的隐患，实体经济疲软下，企业的倒闭很可能牵连担保公司发生大规模代偿。“担保一笔贷款，担保公司仅收2.5%不到的手续费，只要一笔代偿就可能压垮整个公司。”陈尹说。

According to the new measures for the management of financing guarantee companies of jiangsu province,The new guarantee company shareholders must have an enterprise as a legal person,But Chen Yin think,This condition is the assurance of a hazard.He said,If considering the assurance of operating profit,Almost no enterprise shareholders are willing to invest,Or be PE/VC phase.Therefore guarantee company promoter may make enterprise capital injection in another way,In addition to give enterprises the high returns,Also promised packing methods can help enterprises raise higher than the capital injection of borrowing from the bank.Exacerbating the guarantee company together with its associated enterprises loan fraud risk,Under the weak real economy,The collapse of the enterprise is likely to be involved compensatory guarantee company."Guarantee a loan,Guarantee company only accept less than 2.5% of the poundage,As long as a compensatory may overwhelm the whole company."Chen Yin said.

　　2013年春季，江苏省监管机构对融资性担保公司已经展开新一轮的例行审查。刘剑平认为，今年春季新一轮审查后，南京市的担保公司或还将消失十几家。

In the spring of 2013,Regulators of financing guarantee companies in jiangsu province has started a new round of routine examination.LiuJianPing think,In the spring after a new round of review,Nanjing guarantee company or will disappear a dozen.

　　刘剑平认为，以南京市为例，按照现有的环境只需要20多家担保公司就可以了，担保业确实需要净化。

LiuJianPing think,Taking nanjing as an example,According to the existing environment need only more than 20 guarantee company,Assurance does need cleaning.

　　不过这厢，在南京市街头，本报记者还看到有担保公司人员在分发许诺高回报的传单，其中利率高达10%。

But this side,On the streets in nanjing,Our reporter also saw a guarantee company personnel in distributing leaflets promised high returns,With interest rates as high as 10%.