Does anyone know the results of the CCTV12 trial site "Interview with Billionaire Sister"?

From the end of p>26 to the beginning of 27, the appearance and curtain call of Wu Ying, a 26-year-old rich woman in Dongyang, Zhejiang Province, seemed so abrupt that she shocked people's eyes in the media with hundreds of millions of dollars of wealth, and was detained by the police for allegedly illegally absorbing public deposits, which made people even more puzzled. As a result, she has become one of the most famous and controversial figures in China business circles. This woman and the collapse of the natural color group that she deliberately created swept through Dongyang, which struck a nerve in Dongyang, Zhejiang and even the whole country.

On February 26th, after the Spring Festival, Dongyang City was still full of rich flavor of the year, and the streets were full of traffic under the bright sun. Hanning Road, known as "Natural Street", the original billboards of Natural Color Group all over the street disappeared, and most shops were either closed with rolling gates or blocked by bricks. Only the words "true colors" that have not been cleaned on the wall are faintly visible.

But Wu Ying's case has not been diluted by the rich flavor of the year. Wu Ying's name is still the talk of people going to work after the Spring Festival.

The small boss of the beauty salon interprets the myth of wealth

Chen Yi, the propaganda officer of Dongyang Municipal Government Information Office, seems to be quite satisfied with the handling of Wu Ying and Bense Group. He told Democracy and Legal Times: "So far, the mood from employees of Bense Group to citizens has been stable, and there have been no radical group incidents."

In addition to Wu Ying, four people involved in Yiwu were also detained in criminal detention. The police have asked the bank to freeze the account of Bense Group, and take actions against the people and places involved in Dongyang, Yiwu, Zhuji and Jingmen, Hubei.

Wu Ying is a native of Tangxia Village, Geshan Town, Dongyang City, with no prominent family background. My father used to be a contractor and my mother worked in agriculture. My personal experience is not complicated. I dropped out of school to do business after studying in Dongyang Technical School for one and a half years.

In August, 26, Wu Ying suddenly parachuted into the world and interpreted the myth of wealth. Before that, she was only a small boss who opened a beauty salon in Dongyang in people's eyes. Overnight, Wu Ying's natural color group swept Dongyang. The wealth and energy she possessed surprised Dongyang citizens: she bought more than 2 luxury houses at once; Buy expensive cars such as Ferrari, BMW and Nissan; Eat more than 1 shops in Hanning Road, Dongyang; Opened 12 companies in Dongyang within two or three months; The annual salary for department managers is as high as 5 thousand to 1 million yuan, and each person is equipped with a high-end car; 3 months of continuous charitable donations of 6.3 million yuan; Try to open car wash shops and laundries in Dongyang.

In less than a year, Wu Ying smashed 35 million yuan of real money.

In 26, Wu Ying registered and established Zhejiang Bense Holding Group as its own chairman. According to the data of Bense Group, the company turned to industrial investment after years of operation in the capital market. It is a "comprehensive group company with tourism, commerce, hotel chain and capital investment as the leading factor, integrating building materials, engineering construction, engineering design and decoration, home textiles, e-commerce, advertising media and entertainment services".

Two or three months after her appearance in Wu Ying, a media in Hangzhou reported in three editions that "Dongyang women interpret the myth of getting rich". Subsequently, another media in Hangzhou also launched a long report "How Billions of Wealth were Tempered" in two full pages. Then, a Shanghai media also followed up with three editions. The local media in Dongyang and Jinhua are even more "indiscriminate bombing". The media's endless rendering has paved a more dazzling Hongqiao for her to interpret the "rich myth" on a larger scale in the future.

In some reports, Wu Ying's wealth has expanded rapidly, and it is said that it is as high as 3.8 billion yuan. According to this data, she ranked 68th on the Hurun Rich List in 26 and 6th on the list of the richest women.

Nevertheless, some people question the source of Wu Ying's huge wealth. It is hard for people to understand that no one will spend their hard-earned money like this!

"Internet cafes, laundries, hotels and car wash shops invested by Wu Ying are all service industries. In Dongyang, a small city with limited population flow, it is really inconceivable to spend hundreds of millions on these industries." These investments give people the impression that she just wants to spend her money as soon as possible.

Bense Group disappeared overnight

Faced with the question of public opinion, Wu Ying seems prepared. On January 24, Wu Ying held a small-scale press conference in Hangzhou, and she vowed: "All the natural funds are innocent."

however, on the afternoon of February 1th, a large number of police officers took control of all the stores of Bense Group in Dongyang in just a few minutes. That night, the Dongyang Municipal Government announced that Wu Ying had been criminally detained by the local public security organs on suspicion of illegally absorbing public deposits. The Dongyang Municipal Government has instructed relevant departments to form a assets verification team, and the announcement requires creditors related to Wu Ying and Bense Group to register their claims and debts at 2 pm on the 11th.

On the same day, four other people detained by Dongyang police were involved in Wu Ying's case of illegally absorbing public deposits.

from the morning of February 11th, more than 1, employees from the headquarters of Bense Group and the subsidiaries of Bense Group lined up at their respective workplaces to receive their salaries.

On the same day, the numerous billboards of Bense Group on the highway from Yiwu to Dongyang and the streets in Dongyang City were all removed, and the word "Bense" on the top of the headquarters building of Bense Company was removed. The entrance of Bense Group headquarters and Bense Concept Hotel was blocked by bricks and sand.

Wu Ying and her natural color group disappeared overnight, just like the sudden arrival of Wu Ying and her natural color group in Dongyang a few months ago.

In fact, after numerous media reports about the source of Wu Ying's huge wealth, the government and relevant departments have begun to investigate, including the anti-money laundering department of Dongyang Branch of the People's Bank of China. As early as last October, the anti-money laundering department conducted a seven-day secret investigation on Wu Ying, and found that she was suspected of serious financial crimes, and informed the Zhejiang Provincial Public Security Bureau of the situation.

in November, the Zhejiang provincial public security bureau basically found out the source of Wu Ying's funds, and on November 2th, it put on file a case called "November 2th".

"Except for a few leaders, no one in Dongyang knows that Wu Ying has been investigated. But then came the two sessions in Zhejiang Province and Dongyang City. On the second day after the end of the two sessions in Dongyang on February 1, the Zhejiang Provincial Public Security Department ordered the Dongyang police to take action. " A person familiar with the Zhejiang Provincial Public Security Department revealed.

The creditors who provided huge sums of money never showed up

According to the investigation of the police, Wu Ying's money came from private loans. The popular saying in Dongyang folk lending circle is that in 25, Wu Ying was well-known in Yiwu folk lending market. By chance, Wu Ying met a Yiwu boss. The boss not only brought Wu Ying into the loan market, but also provided 5 million yuan as start-up capital. Since then, high interest rates have made Wu Ying's reputation soar in the lending market. According to widely circulated news, the boss who provided Wu Ying with the largest loan amount has lent her more than 6 million yuan.

According to police investigation, Wu Ying borrowed money from the public at a high interest rate of more than 3 points per month for many times, and the highest interest rate was over 1 cents.

A middle-aged man who invested in real estate in Jinhua lent Wu Ying 18 million yuan in November last year. At that time, Wu Ying borrowed money from him at a monthly interest of 8 cents in the name of cooperation in a local real estate project in Jinhua. After repeated urging, Wu Ying returned 5 million yuan, leaving 13 million yuan, which has not been seen so far. According to this man, many bosses in Yiwu took a fancy to the high interest rate in Wu Ying, borrowed money from the private sector at a rate of 5 cents, and then lent it to Wu Ying.

Just two weeks before Bense Group was closed down, a boss in Dongyang just signed a mortgage contract with Bense, lending 4 million yuan to Wu Ying at a high interest rate. It is said that the contract also states that Zhense will use a property worth 7 million yuan as a mortgage, and the house will be owned by the creditor if it cannot be repaid at maturity.

since the four departments of taxation and auditing jointly registered the creditor's rights and debts of Bense Group on the afternoon of February 11th, the registered amount is only tens of millions of yuan, but it mainly consists of project funds, materials funds and car wash cards. Until February 26th, the creditors who provided Wu Ying with huge loans never showed up.

Some insiders said that Wu Ying did not borrow directly from ordinary people, but only from usurers, including professional usurers. "These people first let the guarantee company come forward, get low-interest loans from the bank, and then lend the bank's money to Wu Ying at high interest rates through the name of the intermediary."

As a matter of fact, in Yiwu and other places, these professional loan sharks often appear as "loan intermediaries", first absorbing deposits from their homes at an interest rate of about 5 points, and then lending them at an interest rate of 8 points or more to earn intermediate spreads.

Experts said that Wu Ying was able to absorb huge amounts of money in a short period of time, on the one hand, because she was tempted by high interest rates, and more importantly, she used media hype to improve her popularity and reputation. Most people who lent money to Wu Ying only lent hundreds of thousands or millions of yuan to Wu Ying because they believed some media reports.

local media in Zhejiang revealed that it was Wu Ying and his behind-the-scenes staff's active choice to make a high-profile appearance through the media. People who have dealt with Wu Ying directly think that Wu Ying is the shell representative of the true color dynasty, and there are real manipulators behind it.

Private lending challenges financial policy

Wu Ying's case exposed the lag and loopholes of financial management in coastal areas such as Zhejiang where private capital is active.

According to relevant sources, in the process of checking natural accounts, as many as 4 personal accounts were found in Wu Ying. China's relevant laws and regulations clearly stipulate that the same person is never allowed to set up so many accounts. If the supervision is strict, the illegal operation of Wu Ying and Bense Group will not go so far in a short time. Just imagine, if Wu Ying wasn't so ostentatious at first, would she be safe? Have industry and commerce and taxation been carefully examined?

But up to now, the definition of private lending and illegal absorption of public deposits in relevant laws and regulations is still vague. According to the relevant regulations of the State Council, "illegal absorption of public deposits refers to the activities of absorbing funds from unspecified social objects without the approval of the People's Bank of China, issuing vouchers and promising to repay the principal and interest within a certain period of time." However, the relevant laws do not give clear provisions on how many citizens to borrow or how much to borrow is within the legal scope, especially under what conditions the Criminal Law is violated.

Zhejiang has a tradition of "storing wealth for the people", and the tradition of private financing can be traced back to the 197s. At that time, many small and medium-sized enterprises mostly used private financing, and few of them came from bank loans. This situation has continued to this day.

According to the estimation of Hangzhou Central Branch of China People's Bank, the scale of private financing in Zhejiang Province has reached 13 billion to 15 billion yuan. At present, there are 3 Yiwu guarantee companies registered in the Industrial and Commercial Bureau, most of which were established last year and this year, mainly engaged in short-term lending and guarantee services. In such a short time, so many guarantee companies have emerged in a county-level city, which shows that the private idle capital is huge.

"When you get a loan from a bank, you need a mortgage, and the approval time is very long. When you get a loan, the opportunity has been missed." Mr. Chen, who is engaged in foreign trade business in Yoichi Higashi, said, "Find a few friends, with a monthly profit of about 2 cents, and several million yuan will arrive in a few days."

Yiwu and Yoichi Higashi have popular loan interest, which accounts for 3% of the principal every month. If you lend 1 million yuan, the annual interest will reach 36, yuan.

Tong Songqing, a senior lawyer and master of finance at Zhejiang Wulian Law Firm, said that the legal consequences of Wu Ying's case may be: firstly, the crime of illegal fund-raising. China's criminal law stipulates that illegal fund-raising by fraud for the purpose of illegal possession constitutes a crime. Secondly, it constitutes the crime of illegally absorbing public deposits. The third is that it does not constitute a crime.

Tong Songqing said that according to the current situation disclosed by the media, he prefers that Wu Ying does not constitute a crime. It is illegal to borrow money from the private sector at a high interest rate, but whether it constitutes a crime depends on whether it violates the criminal law. The interest rate of private lending can be four times higher than the same interest rate of banks, which is not protected by some laws, but it does not mean that high private lending is a crime. In order to constitute the crime of illegal fund-raising, several conditions must be met: first, it must be aimed at illegal possession; The second is to obtain fund-raising by fraud. At present, Wu Ying used the borrowed money for investment, which should be for the purpose of no illegal possession. As for whether it constitutes the crime of illegally absorbing public deposits, the key depends on whether she has absorbed deposits from unspecified public. If you only borrow money from a specific group of people or even an introduced boss, it is not to absorb public deposits. Because those whose deposits have been absorbed are all bosses with extra money, and they all want to make huge profits.