长安银行12.5亿存款“失踪”案迎最新进展

Core Viewpoint - The case involving the disappearance of 1.25 billion yuan in deposits from Chang'an Bank has seen significant developments, with the China Securities Regulatory Commission (CSRC) imposing penalties on Zhejiang Youce Investment Management Co., Ltd. and its responsible personnel for illegal activities, including the misappropriation of fund assets and submission of false information [1][8]. Group 1: Case Background - The case dates back to 2019, where Youce Investment raised nearly 10 billion yuan from over 300 qualified investors, investing in Chang'an Bank's agreement deposits [3]. - From April 2019 to May 2023, Youce Investment signed contracts with Chang'an Bank to deposit funds from three products into designated accounts, totaling 1.252 billion yuan [3]. - In July 2022, investors discovered that the account balance had drastically dropped from 1.25 billion yuan to only 86,000 yuan, as the expected account balance statements were not provided [3][4]. Group 2: Dispute Between Parties - Youce Investment claims that the bank violated the agreement by enabling online banking, which allowed funds to be transferred out, while Chang'an Bank asserts that the online banking was opened based on a supplementary agreement requested by Youce Investment [4]. - Following the media reports of the missing funds, Chang'an Bank issued a statement claiming that the reports were false and that the documents used were forged, leading to a police investigation [4][5]. Group 3: Regulatory Actions and Penalties - The CSRC's investigation revealed that Youce Investment had illegally transferred funds out of the bank's agreement deposit accounts, with 955 million yuan still unreturned as of July 2024 [8]. - Youce Investment was fined 21 million yuan, and three responsible personnel were fined 14.25 million yuan, with the actual controller facing a lifetime ban from the securities market [8]. - The CSRC emphasized the need to crack down on illegal activities in the private equity fund sector to protect investors' rights and maintain market order [8]. Group 4: Chang'an Bank's Financial Status - Chang'an Bank's capital adequacy ratios have significantly declined, with core tier one capital adequacy ratio at 8.23%, down 0.92 percentage points from the previous year [11]. - The bank has faced multiple penalties in recent years, including a 4 million yuan fine for violating payment settlement regulations [12].