为获贷款买不良债权，中房北京公司陷债务漩涡

Core Viewpoint - The article discusses a complex legal dispute involving Guiyang Bank, Xinji Leather City, China Real Estate Development Beijing Co., Ltd., and Tian Di He Ming Technology Group Co., Ltd., centered around a series of loan arrangements and the acquisition of non-performing debts, raising questions about compliance and financial boundaries [2][3][4]. Group 1: Background of the Dispute - In September 2019, Liu Keyang, the legal representative of China Real Estate Development Beijing Co., initiated contact with Guiyang Bank for a loan of 2 billion yuan, contingent upon acquiring non-performing debts from the bank [3]. - A cooperation agreement was signed on November 5, 2019, where China Real Estate Development Beijing Co. would acquire 51% of Xinji Leather City and provide financing of 500 million yuan [3][4]. - On November 27, 2019, Guiyang Bank signed a loan contract for 750 million yuan with Xinji Leather City, secured by its assets, despite some being already mortgaged [4]. Group 2: Loan Disbursement and Fund Flow - Between December 9 and 23, 2019, Guiyang Bank disbursed the 750 million yuan loan to Xinji Leather City, which subsequently borrowed 610 million yuan from a subsidiary of China Real Estate Development Beijing Co. [5][6]. - The funds were used to purchase non-performing debts from Guiyang Bank, with 610 million yuan being transferred through various accounts within the bank [7][8]. - By May 2020, it was confirmed that the borrowed funds were utilized to acquire the bank's non-performing debts, raising compliance concerns [8][10]. Group 3: Legal Proceedings and Outcomes - In January 2021, Xinji Leather City filed a lawsuit against several parties, seeking to terminate the loan agreement and recover the 610 million yuan [10][11]. - A court ruling in December 2021 mandated the repayment of the loan, affirming the validity of the agreements made by Liu Keyang and others [11][12]. - The case was appealed, but the higher court upheld the original ruling in August 2023, allowing Xinji Leather City to pursue recovery of its debts [12][13]. Group 4: Regulatory Concerns and Findings - In September 2025, Tian Di He Ming reported Guiyang Bank for potential violations, leading to an investigation that found insufficient due diligence regarding the loan's purpose [14][15]. - The investigation revealed that a significant portion of the loan funds was redirected to acquire the bank's own non-performing debts, raising questions about the bank's oversight responsibilities [15][16]. - Legal experts noted that while Guiyang Bank exhibited several procedural flaws, it ultimately benefited from the recovery of its non-performing loans [16][17].