长安银行与浙江优策基金的悬案落下帷幕

Core Viewpoint - The case involving Chang'an Bank and Zhejiang Youce Investment has seen significant developments, with the Zhejiang Securities Regulatory Commission imposing fines totaling 21 million yuan on Youce Investment and its responsible personnel, alongside a lifetime ban for the actual controller from the securities market [1][10]. Group 1: Incident Overview - In the summer of 2024, a scandal emerged regarding 1.252 billion yuan in funds that seemingly disappeared, with investors discovering that their accounts at Chang'an Bank had dwindled to only 86,000 yuan [3][12]. - The issue originated from a deposit contract signed between Youce Investment and Chang'an Bank, where three private fund products had a total deposit of 1.252 billion yuan, but by July 2024, the account balance was alarmingly low [4][13]. - Youce Investment announced a suspension of redemption for 11 products on July 10, 2024, citing Chang'an Bank's failure to provide an account balance statement as the reason [5][12]. Group 2: Dispute Between Parties - Both parties presented conflicting narratives; Youce Investment accused Chang'an Bank of illegally opening online banking, while the bank claimed the online banking was activated at the client's request [3][6]. - Chang'an Bank stated that the contract prohibited online banking, but it was later opened based on a supplementary agreement, and monthly reconciliations were completed by Youce Investment, negating claims of the bank's failure to provide account details [6][14]. - On August 20, 2024, Chang'an Bank issued a statement declaring that reports of the 1.252 billion yuan deposit being lost were severely misleading, asserting that the documents used in the reports were forged [6][14]. Group 3: Fund Flow and Relationships - Investigations revealed that the funds from the accounts were transferred to three companies, which had complex relationships with Youce Investment, facilitating the movement of funds [7][15]. - The companies involved included Baoji Phoenix Ridge Equity Investment Management Co., West Xi'an Changrong Investment Management Co., and Baoji Yuanda Asset Management Co., with ownership structures indicating significant interconnections [7][15]. Group 4: Resolution and Regulatory Actions - As investigations progressed, the truth emerged, with Youce Investment's controlling shareholder admitting to issuing false announcements and acknowledging the negative impact on Chang'an Bank's operations and reputation [8][16]. - On December 12, 2025, the regulatory authority announced penalties against Youce Investment for misappropriating fund assets and providing false information, leading to the revocation of its management registration [8][16].