[China Agricultural Machinery Industry News] recently reported the illegal storage and storage of Shandong Wuyi Hengnong Cooperative. In this incident, the main person in charge, Liu Tao, was suspected of using the banner of serving the three rural areas and mutual funds, and illegally absorbed 43 million yuan of public deposits through three institutions, involving 850 depositors.
Farmers' professional cooperatives have been used for less than a decade since few people knew that the Sparks have been used. By the end of 2015, the total number of cooperatives has exceeded 1.53 million. However, while the number has surged, there have been some problems.
Farmer cooperatives crazy gold industry standard needs to be improved
It has been found that in recent years, the number of illegal fund-raising cases of farmer cooperatives has increased year by year. In 2013, there were only five cases. In 2016, only two-thirds of the cases were passed, and the number of cases has exceeded 100.
In Shandong and Hebei, 25 farmers' professional cooperatives were randomly selected for investigation. Among them, 5 cooperatives were still suspected of having violated laws and regulations such as external absorption and storage or investment in non-agricultural projects.
“Looks very formalâ€: first stocks and then stocks
The Innocent Hengnong Planting Professional Cooperative is a farmer's professional cooperative. The business scope of the industrial and commercial registration is to organize the members of the Society to carry out planting and technical information consultation services such as wheat, trees, vegetables, melons and fruits.
However, since its establishment 14 years ago, the six outlets of Innocent Hengnong have not organized planting activities, but have publicly mobilized and loaned loans under the banner of the mutual aid agency that has long been revoked.
The Law on Farmers' Professional Cooperatives stipulates that cooperative members can invest in cooperatives and obtain income. The Interim Provisions on the Management of Rural Mutual Cooperatives also mentioned that funds can be absorbed within the members, but it is strictly forbidden to lend to external financing.
For such a regulation, the innocent Hengnong found a "mutual" approach. All depositors who come to save money will apply for a share certificate and become a member of the cooperative. The share capital is as low as 500 and 30,000 yuan, with an annual interest rate of 9.6%.
After becoming a member, you can save money at the Mutual Cooperative (which has been cancelled beforehand). There is no limit on the amount, and the annual interest rate is 8%. If you need a loan, in addition to the normal review, guarantee, mortgage, you must first become a member, the way is to deposit at least 500 yuan.
However, such a clever "looks very formal" is not recognized by law. Lawyer Wang Changqing of Beijing Zeyong Law Firm explained that the purpose of absorbing public deposits and absorbing members of the society as members of the organization will still be treated as the crime of illegally absorbing public deposits.
Multi-site cooperatives are still absorbing and investing abroad
In addition to the innocent Hengnong cooperatives, are there any other cooperatives with similar problems?
From the provinces with more illegal fundraising reports in Hebei and Shandong, 25 farmers' professional cooperatives were randomly selected for investigation. Two of the cooperatives said they could accept non-member deposits, and the three cooperatives had the intention to invest in non-agricultural projects.
(Original title: Multi-provincial cooperatives sucking gold madness: high-risk cases of 8 billion annual interest rate 100%)
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