Core Viewpoint - The Shenzhen Jinyafu Holding Group, once a prominent player in the "China Top 500 Enterprises" list, has faced a sudden collapse by the end of 2025, transitioning from a symbol of wealth to a state of debt and disputes [2][3]. Group 1: Company Overview and Crisis Development - Jinyafu's crisis began in June 2025 when its high-yield financial products, centered around "golden entrusted purchase and sale," started experiencing interrupted returns, leading to widespread defaults by November, with estimated funds involved reaching 7 to 8 billion yuan [3][4]. - The company's headquarters in Shenzhen has become deserted, with reports of unpaid rent and utilities, indicating a complete operational shutdown [2][3]. Group 2: Investment Model and Legal Concerns - Jinyafu's investment model involved a dual contract structure, where investors signed a "gold physical purchase contract" and subsequently a "trust contract" with an affiliated company, promising fixed annual returns of 8% to 14% [6]. - Legal experts have pointed out that this model exhibits characteristics of a Ponzi scheme, as the promised high returns are not supported by actual profits from gold trading, which typically yields a net profit margin of only 2% to 3% [7][10]. Group 3: Investor Impact and Response - Many investors, including employees of Jinyafu, have reported significant financial losses, with some investing large sums under the belief of guaranteed returns, only to find themselves in a precarious situation as the company ceased operations [7][8][10]. - The local government has intervened, forming a task force to oversee the situation, while proposed solutions like "debt-to-equity swaps" have been met with skepticism from investors [12][14]. Group 4: Regulatory and Legal Implications - The case highlights regulatory gaps in the "industry + finance" crossover model, where Jinyafu exploited a lack of oversight by presenting itself as a legitimate trading entity while engaging in illegal fundraising activities [14][15]. - Legal experts suggest that if classified as illegal fundraising, the contracts could be deemed void, and investors may have the right to claim their funds back through law enforcement [14][15].

证券日报网讯 12月26日，德福科技（301511）发布公告称，德福科技为控股子公司琥珀新材向中信银 行九江分行提供1亿元连带责任担保，本次担保在公司已审批的额度内，期限三年，用于支持琥珀新材 流动资金贷款。 ...

临近年终，许多投资者怎么也没有想到，和中国500强企业——深圳金雅福控股集团有限公司（以下简 称金雅福）有关联的理财项目会出问题。 12月17日，来自全国多个省份的投资者告诉《每日经济新闻》记者，他们此前从金雅福购买黄金，并将 所购黄金委托给深圳市博耀创金担保投资有限公司（以下简称深圳博耀）获取投资收益，年化收益率在 8%上下。 从2025年11月开始，有投资者陆续发现理财产品出现延期兑付，这时不少人才注意到深圳博耀和金雅福 有较多关联。近期的社交媒体上，对金雅福资金情况的讨论逐渐增多，也有多名公司员工表示金雅福已 拖欠两三个月工资和报销。 有金雅福相关人士向记者表示，"形势不容乐观"，但公司在积极处理，目前公司也在和政府部门沟通， 商讨解决方案。 12月18日上午，记者以投资者身份联系到深圳市盐田区相关部门，接线工作人员表示，政府部门已全面 介入，已聘请会计组，会对公司资产进行清算，警方也在对公司进行监管。其建议投资者报警处理，并 按警方要求发送相关资料。 据公司官网，金雅福创立于2006年，总部位于深圳，深耕黄金珠宝产业链，已发展成集文创研发、智能 制造、个性定制、智慧零售、黄金回收、黄金精炼及仓储物流等 ...

来源： 每日经济新闻、中国经营报、中国经济网、宁波晚报、证券时报 近日 广东深圳黄金企业金雅福 被爆部分理财产品兑付延期 引发广泛关注 据公司官网，金雅福创立于2006年，总部位于深圳，深耕黄金珠宝产业链，已发展成集文创研发、 智能制造、个性定制、智慧零售、黄金回收、黄金精炼及仓储物流等服务为一体的一站式贵金属综合 服务商。 金雅福官网截图 有人抵押几套房 投入700多万元 近日，多名投资者表示，其此前从金雅福购买黄金，并将所购黄金委托给深圳市博耀创金担保投资有 限公司（以下简称"深圳博耀"）获取投资收 益， 年化收益率在8%左右。 从2025年11月份开始，有投资者陆续发现理财产品出现延期兑付。一位投资者表示，他2023年通过 金雅福线下门店接触到项目，投资需签署两份合同：一是从金雅福购买黄金的合同，二是将黄金交给 深圳博耀开展投资业务的委托合同，投资期限结束后，对方按购金金额连本带息返还。不过这一过程 中，他始终没见到购买的实物黄金。今年11月，他发现一笔200余万元的投资款没有如期兑付， 目 前他总计投资金额超700万元。"家里几套房子都抵押了拿去投资，现在也很闹心。 "这名投资者说。 延期兑付情况发生 ...

关注"保险八卦女"， 由业界贼有良心的八卦姐打造。 重要提示： 后找不到美腻专业的八卦姐？ 表急，这样做，我们就不会走散在茫茫人海了： 点击标题下面蓝色的"保险八卦女"， ->点击右上角"..."->点选"★"。 大周末的，八卦姐正在潜心研究万科债券展期的事情，又被另一则消息吸引眼球： 这大过节的，真不让人省心。 先来看智通财经的报道： 那这次违的又是什么约？ 这得从金雅福的投资模式说起： 据网上报道，从今年六七月份开始已有部分产品收益延迟，根据天眼查的信息，金雅福、深圳博耀等四家公司7月份被王某就"金融委托理财合同"告上法 庭： 深圳知名黄金企业金雅福被爆部分理财产品兑付延期引发市场广泛关注。 截至发文日，金雅福的理财产品已出现大规模延期，总部职场也"人去楼空"。 投资者从深圳金雅福控股集团有限公司（简称"金雅福"）购买实物黄金； 同时与深圳市博耀创金担保投资有限公司（简称"深圳博耀"）签订委托投资协议； 年化收益率约8%，到期后连本带息返还； 但实际上大多数投资者从未实际收到黄金。 根据每日经济新闻的消息，金雅福其实给出了一些解决方案，如债务展期、资金转股等，但投资者并不买账： 那么，这个金雅福究竟是何方 ...

Core Viewpoint - Shenzhen-based gold enterprise Jinyafu has faced significant scrutiny due to delays in the redemption of certain financial products, raising concerns among investors and the market [1][6]. Group 1: Company Overview - Jinyafu was established in 2006 and has developed into a comprehensive precious metals service provider, offering a range of services including cultural innovation research, intelligent manufacturing, personalized customization, smart retail, gold recycling, refining, and logistics [1]. Group 2: Investment Issues - Investors reported that they purchased gold from Jinyafu and entrusted it to Shenzhen Boyao Chuangjin Guarantee Investment Co., Ltd. for investment returns, with an annual yield of around 8%. However, starting in November 2025, investors began to notice delays in the redemption of these financial products [3][6]. - One investor mentioned investing over 700 million yuan, having mortgaged several properties to fund the investment, and faced a delay in the return of over 2 million yuan [3]. Group 3: Company Relations and Structure - Investigations revealed that Shenzhen Boyao is closely related to Jinyafu, with shared ownership and management personnel, raising concerns about the legitimacy of the investment structure [3][4]. - Jinyafu holds a 55% stake in Guangdong Huatai Nongxing Agricultural Products Trading Center Co., Ltd., where key individuals from Jinyafu also hold shares and positions [4]. Group 4: Company Status and Regulatory Response - As of December 17, reports indicated that Jinyafu's headquarters had been vacated, with signs of relocation and termination of lease agreements [7]. - Regulatory authorities have intervened, appointing an accounting team to assess the company's assets and advising investors to report to the police [10]. Group 5: Investor Reactions and Proposed Solutions - Jinyafu has proposed solutions to investors, including project extensions and converting funds into shares of related companies. However, many investors remain skeptical about these solutions and the future viability of the associated companies [11].

2025.12. 20 本文字数：1764，阅读时长大约3分钟 来源 | 中国经营报、每日经济新闻、财联社 近日， 广东 深圳知名黄金企业金雅福被爆部分理财产品兑付延期引发市场广泛关注。 据《每日经济新闻》报道，12月17日，来自全国多个省份的投资者告诉记者，其此前从金雅福购买 黄金，并将所购黄金委托给深圳市博耀创金担保投资有限公司（以下简称"深圳博耀"）获取投资收 益， 年化收益率在8%上下 。 从2025年11月份开始，有投资者陆续发现理财产品出现延期兑付，这时不少人才注意到深圳博耀和 金雅福有较多关联。 抵押几套房投入700多万元， 但从未见过黄金 据公司官网，金雅福创立于2006年，总部位于深圳，深耕黄金珠宝产业链，已发展成集文创研发、 智能制造、个性定制、智慧零售、黄金回收、黄金精炼及仓储物流等服务为一体的一站式贵金属综合 服务商。 2025年9月，金雅福再次进入"中国企业500强"榜单，公司凭借2024年561.20亿元的营业收入， 居榜单437位。 该人士表示，其与金雅福员工交流过程中了解到，该公司收到货款延迟交货原因在于集团层面资金流 紧张，占用了银行客户的资金，导致交货期延长。 "人去楼空" ...

近日， 深圳黄金企业金雅福被爆部分理财产品兑付延期引发市场广泛关注。 据公司官网，金雅福创立于2006年，总部位于深圳，深耕黄金珠宝产业链，已发展成集文创研发、智能制造、个性定制、智慧零售、黄金回收、黄金精炼 及仓储物流等服务为一体的一站式贵金属综合服务商。 金雅福官网截图 有人抵押几套房投入700多万元 但从未见过黄金 12月17日，多名投资者表示，其此前从金雅福购买黄金，并将所购黄金委托给深圳市博耀创金担保投资有限公司（以下简称"深圳博耀"）获取投资收益， 年化收益率在8%左右。正因为金雅福的实力，不少投资者选择相信和公司相关的"黄金委托"投资。 从2025年11月份开始，有投资者陆续发现理财产品出现延期兑付。 一位投资者表示，他2023年通过金雅福线下门店接触到项目，投资需签署两份合同： 一是从金雅福购买黄金的合同，二是将黄金交给深圳博耀开展投资业务的委托合同，投资期限结束后，对方按购金金额连本带息返还。不过这一过程中， 他始终没见到购买的实物黄金。 今年11月，他发现一笔200余万元的投资款没有如期兑付，目前他总计投资金额超700万元。"家里几套房子都抵押了拿去 投资，现在也很闹心。"这名 投资者说。 ...

一家深耕黄金珠宝供应链的知名企业，如今正被一系列理财产品兑付纠纷所困扰。 近日，深圳知名黄金企业金雅福被被曝部分理财产品兑付延期引发市场广泛关注。 据每日经济新闻报道，近日，来自全国多个省份的投资者称，其此前从金雅福购买黄金，并将所购黄金委托给深圳市博耀创金担保投资有限公司（以下简 称深圳博耀）获取投资收益，年化收益率在8%上下。 从2025年11月份开始，有投资者陆续发现理财产品出现延期兑付，这时不少人才注意到深圳博耀和金雅福有较多关联。近期的社交媒体上，对金雅福资金 情况的讨论逐渐增多，也有多名公司员工表示金雅福已拖欠两三个月工资和报销。 有金雅福相关人士表示，"形势不容乐观"，但公司在积极处理，目前公司也在和政府部门沟通，商讨解决方案。 公司官网显示，金雅福集团为知名的黄金加工企业，创立于2006年，总部位于深圳。官网介绍其深耕黄金珠宝产业链，已发展成集文创研发、智能制造、 个性定制、智慧零售、黄金回收、黄金精炼及仓储物流等服务为一体的一站式贵金属综合服务商。连续两年获评《财富》中国500强，连续七届中国企业 500强，连续八届中国民营企业500强，下属企业获得"国家高新技术企业""专精特新"等。 有人 ...

Core Insights - The grain industry faces significant seasonal fluctuations, storage pressures, and liquidity constraints due to raw material reserves, leading to substantial financing needs for grain enterprises [1] - Small and medium-sized enterprises (SMEs) dominate the grain trade and processing sectors, struggling to meet loan requirements due to their smaller scale, inadequate asset structures, and lack of recognized collateral [1][2] - Shandong Agricultural Development Credit Guarantee Co., Ltd. was established to provide credit guarantee services specifically for agricultural entities, addressing financing challenges in the sector [1][2] Group 1 - The company has cumulatively guaranteed 213.6 billion yuan, supporting 318,200 agricultural operators by June 2025 [1] - The company has developed innovative financial services, including grain warehouse receipt pledge supervision and movable property pledge supervision, to enhance liquidity for grain enterprises [2] - A partnership with various financial institutions has been established to facilitate direct cooperation, enhancing the operational capacity of grain enterprises [2] Group 2 - The new business model offers flexible loans, large approval limits, simplified procedures, and low costs, with a fully online operation process [6] - Loan amounts are assessed at 75%-80% of the pledged goods' value, with individual loans up to 10 million yuan and corporate loans up to 100 million yuan [6] - The cost of financing is competitive, with an annual comprehensive cost of around 5%, translating to approximately 0.4% monthly, billed daily [6]