Core Viewpoint - The article discusses the emerging flaws in the "Xiangyuan System" financial products, particularly focusing on the audit reports that have not been properly registered and coded, raising concerns about their validity and compliance with regulatory standards [3][6]. Group 1: Audit Report Issues - Several audit reports related to "Xiangyuan System" financial products were found to lack registration and coding on the unified regulatory platform, violating relevant regulations [3][6]. - The Zhejiang Provincial Finance Department confirmed that the audit reports from three accounting firms did not comply with the registration requirements, leading to stricter regulatory scrutiny [6]. - The absence of QR codes on the audit reports indicates that they were not properly registered, rendering them ineffective and untrustworthy [5][6]. Group 2: Financial Product Details - The audit report for the "Lishui Mingche" product indicated that the original debt was from Hubei Zhongxiang Real Estate Co., Ltd., with a principal amount of 100 million yuan and a transfer price of 80 million yuan [4]. - The financial backing for these products includes unconditional and irrevocable joint liability guarantees provided by the owner of Xiangyuan Holdings, Yu Faxiang, covering the principal and associated costs [5]. Group 3: Regulatory Responses - Following complaints from investors, the involved audit reports were subject to early redemption, indicating potential investor concerns about the legitimacy of the products [7]. - The regulatory framework mandates that audit reports must be registered and coded before delivery to clients, emphasizing the importance of compliance in maintaining the integrity of financial products [6][8].

投资人称，在向监管机构反映问题后，违规审计报告所涉及理财产品就提前兑付了。 "祥源系"理财产品的瑕疵逐步浮上水面。 12月9日，有投资者向第一财经记者表示，此前曾发现浙金平台上的多个"祥源系"理财产品交付给客户使用的审计报告没有通过注册会计师行业统一监管平 台（以下简称为"统一监管平台"）的备案，没有赋二维码。 上述投资者就台州中鼎会计师事务所、湖州立合会计师事务所、杭州莱安会计师事务所出具四份审计报告向监管部门反映未赋码的情况，并获得浙江省财政 厅回复，认定审计报告未经报备赋码的行为违反了相关规定。 据悉，杭州莱安会计师事务所出具的两份审计报告均针对"祥源系"产品。据投资人提供的一份针对"丽水明澈"的审计报告显示，该产品的挂牌交易机构为丽 水明澈企业管理咨询合伙企业（有限合伙）；原始债务人为湖北中详置业有限公司；原始债权人为祥源控股。 该产品的基础资产审核情况显示，丽水明澈企业管理咨询合伙企业（有限合伙）和债权转让方于2023年3月23日签署了《债权转让合同》，标的为对湖北中 祥的债权及对该债权转让方的回购请求权，本金金额10000万元，债权转让价款为8000万元。 汇款情况显示，丽水明澈企业管理咨询合伙企 ...