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the whereabouts of yu zengyun, the actual controller of chuangxing resources, is still unknown.the redemption crisis of wealth management products of subsidiaries of overseas chinese holdings group co., ltd. (hereinafter referred to as overseas chinese holdings) also continues to ferment.

according to the subscription agreement provided by investors, zhejiang yunfa culture development co., ltd. (yunfa culture for short) was the listed party, and zhejiang overseas chinese asset management co., ltd. (overseas chinese assets for short) was the delisted party to issue the jinyun debt asset project.

on the afternoon of september 13, a reporter from the daily economic news learned from relevant staff of the shangyu district government of shaoxing city that in response to the emergency of "yunfa",the local authorities have filed a case for investigation and set up several working groups to actively carry out tasks such as debt statistics and employee placement.

in addition, the authenticity of gold leasing products such as "qiaoxing tianxia" has also been questioned. one party involved in the leasing agreement said in an interview with a reporter that the official seal on the contract was "fake at first glance." the reporter also noticed thatthe listed company of the "dingxin debt" project, guohao huijin (shenzhen) financial leasing co., ltd. (hereinafter referred to as guohao huijin), was once listed in the list of suspected shell financial leasing companies by the shenzhen local financial supervision and administration bureau.

zhongxin international: "qiaoxing tianxia" has nothing to do with me

esignbao: we are also victims

after the legal representative yu zengyun lost contact, some wealth management products issued by subsidiaries of overseas chinese holdings group co., ltd. (hereinafter referred to as overseas chinese holdings) faced a redemption crisis.

according to the "daily economic news" report on september 12, "investigation | two "golden" projects under chuangxing resources' actual controller yu zengyun had repayment problems before he was "announced" to be missing",the products currently involved mainly include the online gold leasing project "qiaoxing tianxia" and the offline project "dingxin debt".

in the online project "qiaoxing tianxia", according to the "qiaoxing tianxia-user gold purchase and leasing agreement" provided by the investor, party a is the investor himself, party b is the overseas chinese holdings subsidiary yak information technology (hangzhou) co., ltd. (referred to as yak technology), and party c is zhongxin international financial leasing (shenzhen) co., ltd. (referred to as zhongxin international).

however, according to a statement released by zhongxin international, the official seal on the aforementioned lease agreement is obviously different from the company seal and has no anti-counterfeiting code. the company has now reported the case to the police.

after buying financial products on "qiaoxing tianxia" for three years, li xuan (pseudonym) found it hard to accept the result that "the official seal was fake".

according to the recollections of many investors, in the past few years, the investment contracts they signed on "qiaoxingtianxia" can not only be checked in the qiaoxingtianxia app, but also found on the app and mini-program of the third-party platform "esignbao".

public information shows that esignbao is an electronic contract saas (software as a service) service platform launched by hangzhou tiangu information technology co., ltd. (tiangu information for short).

on the afternoon of september 13, the reporter learned from an esignbao customer manager posing as an investor that when signing a corporate contract, if the contracting party wants to generate an electronic seal on the esignbao platform, the legal representative or the company needs to provide the corresponding verification process.

screenshot of the esignpro app provided by the interviewee. image source: provided by the interviewee

on the afternoon of september 13, a reporter from the daily economic news called the industrial and commercial registration number of zhongxin international. during the call, the staff told the reporter that the electronic seal on the "qiaoxing tianxia" contract was "fake at first glance" and that the company had never received any information from esign. "why did we find out about this? two investors came to the company and we showed them the official seal, and they understood it as soon as they saw it."

"as far as we know, our company has not had any connection with 'qiaoxing tianxia' and esignbao. our company is a sino-foreign joint venture, and there are some special requirements for the official seals of sino-foreign joint ventures. we just developed an electronic seal system this year and use it internally. there is a very obvious difference between our real official seals and fake seals." the above person added.

the official seal on the investment agreement provided by the investor. image source: provided by the interviewee

according to the aforementioned esignpro account manager, yaktech's signing method did not use esignpro's standard process. "they did the authentication and seal authorization internally, and then simply called the esignpro interface to provide signing services." only the signing part of the relevant process was done through esignpro.

after the reporter contacted the esignbao account manager as an investor, on the afternoon of september 14, a staff member claiming to be the head of esignbao customer service called back and said that from the whole incident, esignbao was also a victim.at present, the company attaches great importance to this incident and has proactively contacted the police and cooperated with the police to collect relevant evidence. the relevant progress is subject to the information disclosed by the police.

in order to further verify the above information. on september 13, the reporter called tiangu information's business registration phone number and the company's customer hotline several times, but none of them were answered. on the afternoon of september 14, the reporter called the above customer service manager and the company's business registration phone number, but none of them were answered. the reporter also called esignbao's pre-sales and after-sales phone numbers to express his interview and verification needs, and the operator said that he would record the call and give feedback. as of press time, esignbao has not contacted the reporter.

doubtful points: the listed party was once listed

list of “suspected shell financial leasing enterprises”

after investigation, the reporter of "daily economic news" found that there are two major doubts in the products related to "dingxin credit rights" of overseas chinese assets. take dingxin credit rights no. 10, which was issued at the end of 2023, as an example:

first, the project's listing party, guohao huijin. according to cross-confirmation by reporters, the contact number of guohao huijin's industrial and commercial registration is actually owned by a supervisor of the company. on the morning of september 15, the reporter contacted the supervisor. after explaining the purpose of the call, the other party repeatedly said "i don't know" and "don't ask me", and then quickly hung up the phone.

tianyancha information shows that there are 16 other companies with the same contact number as guohao huijin. among them, companies with the same registered phone number include hangzhou maoli media co., ltd., maoli technology group co., ltd., hangzhou maoli new retail co., ltd., hangzhou maoli supply chain management co., ltd., etc.after equity penetration, the actual controllers of the above-mentioned companies are all yu zengyun.

among the remaining companies with the same telephone number, there are two key figures who also have multiple connections with yu zengyun. they are weng xiaohua, the legal representative of zhejiang hera gold jewelry co., ltd., and yu hongqiang, the legal representative of shenzhen yinglongxuan jewelry co., ltd. (referred to as shenzhen yinglongxuan).

tianyancha shows that weng xiaohua currently serves as a director of guohao huijin. from july 2020 to april 2024, weng xiaohua served as a supervisor of hangzhou maoli new retail co., ltd.

weng xiaohua is currently also the supervisor of shenzhen yinglongxuan, whose legal representative yu hongqiang is also the legal representative of shanghai shoule network technology co., ltd. (shanghai shoule for short). tianyancha information shows that the legal representative of shanghai shoule was yu zengyun, but was replaced by yu hongqiang in december 2022.

a judgment document disclosed by the judgment documents network in july 2023 shows thatshanghai shoule had a service contract dispute with wm motor. in this document, yu zengyun is described as the chairman of shanghai shoule.

in addition, the shenzhen local financial supervision and administration bureau published an "announcement of the municipal local financial supervision bureau on the first batch of suspected shell financial leasing enterprises in shenzhen" on november 16, 2021. after further verification,the administration made public the first list of empty-shell financial leasing companies in may 2022, and guohao fund management was also on the list.

image source: "announcement of the municipal local financial regulatory bureau on the list of the first batch of suspected shell financial leasing companies in shenzhen"

on the morning of september 18, the reporter called the shenzhen local financial management bureau. the staff said that the colleague in charge of the financial leasing department had gone out for a meeting and would not be back until the afternoon. they also provided a landline number. in the afternoon, the reporter called the landline number, but no one answered.

secondly, there is wuhu haoyuan property rights service co., ltd. (referred to as haoyuan property rights, now renamed wuhu haoyuan trading co., ltd.), which serves as the transaction registration agency.

public information shows that haoyuan property was established in april 2023, and its initial shareholder was tianjin changhua technology co., ltd. (tianjin changhua for short). it was not until may 2024 that tianjin changhua withdrew from haoyuan property.

when haoyuan property rights was established in 2023, the controlling shareholder of tianjin changhua was tianjin dingyun technology co., ltd. (tianjin dingyun for short), which was held by two natural persons.however, in the product description at the end of 2023, overseas chinese assets described haoyuan property as a company wholly owned by china coal energy co., ltd.

image source: overseas chinese assets official website

in order to further understand the situation, on september 18, the reporter called the public contact information of tianjin changhua and tianjin dingyun and found that they were the same number. the person who answered the call said that this was not tianjin changhua, but a phone number to help with registration. on the same day, the reporter also called china coal energy co., ltd. many times, but no one answered.

what is even more strange is that in may 2024, a series of changes occurred in haoyuan's property rights. in addition to the withdrawal of the original shareholders, the company was 100% owned by the natural person li qilong. the company's business scope changed from asset management-related businesses to commodity retail, and the company name was also changed to wuhu haoyuan trading co., ltd. on september 14, the reporter called the industrial and commercial registration phone number of haoyuan property rights, but the landline was not connected. until about 9 o'clock that evening, the other end of the phone always prompted "on the phone."

the reporter of "daily economic news" also found that there was a suspicious point in the contract of the "qiaoxing tianxia" project purchased by investors.

the project description and online contract in the hands of investors show that yak technology has another gold purchaser, zhejiang zhongjin gold jewelry sales co., ltd. (zhejiang zhongjin for short). unlike the gold purchased from the shanghai gold exchange, the gold purchased from zhejiang zhongjin is mainly used for investors to settle physical gold withdrawals. the contract shows that the purchase agreement between yak technology and zhejiang zhongjin started at the end of 2019 and is valid for four years.

however, public information shows that zhejiang zhongjin’s operations have begun to have problems since 2021. according to the paper,in december 2022, the fuyang police in hangzhou filed a case against sheng xiangzhong, the actual controller of zhejiang cicc, on suspicion of illegally absorbing public deposits. the court has formally accepted the case of sheng xiangzhong suspected of illegal deposit-taking.

yunfa culture has been investigated

according to tianyancha data, zhejiang yunfa holding group co., ltd. (hereinafter referred to as yunfa group) pledged its equity to overseas chinese fund on october 18, 2019, with the pledged equity amount being 2,100, and the current status is "valid"; on march 27 this year, yunfa group pledged the equity of its subsidiary zhejiang yunfa financial leasing co., ltd. to overseas chinese assets, with the pledged equity amount being 2,100, and the current status is "valid".

according to the official website of zhejiang yunfa culture development co., ltd. (yunfa culture for short), the company is one of the earliest companies to enter the field of precious metal cultural creation in china, and is also the leading designer, manufacturer and seller of precious metal cultural creation products in china. tianyancha shows that yunfa group holds a 61% stake in yunfa culture.

image source of yunfa group's office: photo taken by huang xinlei, a reporter from china business news

in addition to the pledge of equity, yunfa also has business dealings with companies related to overseas chinese holdings.

"my sister bought yunfa on behalf of relatives and friends, and the total investment was more than 10 million yuan." investor li yuan (pseudonym) told the "daily economic news" reporter.

according to the "jinyun debt asset project no. 4 subscription agreement" provided by li yuan, the listing party of the product is yunfa culture, the delisting party is overseas chinese assets, the product term is 12 months, the performance benchmarks are 8.3%, 8.5% and 9.0% respectively, and the investment income during the period is paid every 6 months.

at noon on september 13, a reporter from the daily economic news came to the registered address of yunfa group, no. 158, yongren road, cao'e street, shangyu district, shaoxing city, zhejiang province. the security guard at the door said that the company was on holiday for the past two days and there were not many people at the moment, but there were staff from relevant government departments.

the reporter found that there was a surveillance wall in the communication room at the entrance, which could monitor 18 locations in the factory, including internal roads, halls, elevator entrances, etc. however, during the reporter's stay, few people were walking under surveillance.

image source: photo by huang xinlei, reporter of china business network

from noon on september 13 to the morning of september 14,several staff members from yunfa group told reporters that the company has issued a "notice on holidays for all employees of the group."

on the afternoon of september 13, the reporter came to the shangyu district people's government and learned from a relevant staff member that in response to the emergency situation of "yunfa", the local authorities have filed a case for investigation and set up several working groups to actively carry out debt statistics, employee resettlement and other tasks.

"i'm here today to submit my reimbursement and go through the process. i still have some reimbursement expenses that have not been settled." on the morning of september 14, an employee walked out of the gate of yunfa group. she told reporters that due to the company's slow reimbursement process, she still had 50,000 yuan in expenses that had not been reimbursed.

in fact,as early as the end of 2023, yunfa culture was found by the shanghai securities regulatory bureau to have been leading the fictitious "gold trading business".

in january this year, the listed company jinlitai (300225.sz, stock price 5.21 yuan, market value 2.477 billion yuan) announced that it had received the "administrative penalty decision" issued by the shanghai securities regulatory bureau.

the announcement shows that in may 2020, jinlitai established a wholly-owned subsidiary, shanghai jinlitai industrial development co., ltd. (hereinafter referred to as jinlitai industrial), which participated in the fictitious "gold trading business" led by yunfa culture.

the above-mentioned business is in the name of trade, but it is actually a financing business. jinlitai industry signs purchase and sales contracts with upstream suppliers and downstream customers. the upstream and downstream are actually designated by yunfa culture. the relevant logistics and funds form a closed loop. jinlitai industry actually only fulfills its obligation to advance funds and earns fees for the use of funds.

according to a december 2023 report by the securities times, the head of yunfa culture said in an interview, "gold purchases must be made in cash, but we serve customers in channels such as banks and post offices. it takes time from processing and invoicing to payment, so we have a large demand for funds." the head said, "it is equivalent to jinlitai industry helping us purchase gold and then selling it to us, giving us a period of credit."

the person in charge believed that the company's gold trading was based on real demand, and in simple terms, it was a "buying on behalf of others" advance payment business. at that time, the person in charge also said that apart from this, yunfa culture had no other gold trading business.

on the afternoon of september 13, a reporter from the daily economic news called several companies including yunfa group, but no one answered. the person who answered the public mobile phone number of yunfa industrial said that it was not convenient to be interviewed.