究竟金雅福控股还有哪些优质资产？作为赔付标的的"智慧金 店"又是怎么一回事？ 作者：刘颖 邹永勤 封图：邹永勤拍摄 近日，位列中国企业500强、深耕黄金产业链二十多年的深圳金雅福控股集团有限公司（下称"金 雅福控股"），因旗下黄金理财产品延期兑付引发了市场的广泛关注。 天眼查信息显示，2025年12月25日，在深圳市盐田区沙头角街道田心社区沙盐路3018号盐田现 代产业服务中心（一期）A座24-10（即金雅福控股注册地址），又新成立了一家名为"深圳兑金 通科技有限公司"（下称"兑金通科技"）的公司。 对于"兑金通"三个字，和金雅福控股有过接触的人都应该耳熟能详。兑金通官网显示，兑金通是 金雅福控股打造的智能黄金回收品牌，涵盖自助回收、快递回收、到店回收、上门回收四个板块。 其中的自助回收板块，就是市场俗称的"智慧金店"业务。 与此同时，多名身陷此次爆雷事件的投资者亦向经济观察报记者爆料，称金雅福控股日前给他们提 出了"智慧金店"权益置换方案。方案的大概内容是，权益人可以将其购买的理财产品置换成"智慧 金店"的加盟权益，在达到退出目标基础上获得市场价值回报。原合同到期与未到期均可置换，可 部分权益置换或全部权益 ...

经济观察报记者 邹永勤 刘颖 近日，位列中国企业500强、深耕黄金产业链二十多年的深圳金雅福控股集团有限公司（下称"金雅福控 股"），因旗下黄金理财产品延期兑付引发了市场的广泛关注。 截至目前，对于此次"金雅福爆雷"事件涉及的资金规模有多大以及资金的去向仍没有一个明确的说法。 12月28日至29日，记者来到水贝黄金珠宝商圈进行实地探访，试图了解一下圈内人士是如何看待此 次"金雅福爆雷"事件的。 调查结果显示，圈内人士普遍对此事件态度淡然。其中，在田贝地铁站附近拥有一家金银饰品商铺的何 老板对记者表示，在深圳黄金珠宝商圈，每年都会有这样的爆雷跑路事件，大家对此早已司空见惯了， 只不过此次"金雅福爆雷"涉及的资金较多，所以闹得动静有点大而已。 当记者问及，为何金价持续上涨仍会出现爆雷跑路事件时，何老板表示，这类黄金理财平台，很多都是 把投资者的钱另作它用而不是真正的买黄金，当他们投资的项目不行了，那就只能爆雷跑路。"比如金 雅福的黄老板，这几年搞了那么多房地产项目，谁能保证没有挪用理财平台的钱？" 公开信息显示，金雅福控股近年来确实在大举进军房地产领域，比如在深圳市内，它先是主导改造了坂 田 深澳文化产业园，然后 ...

Core Viewpoint - The article discusses the financial troubles faced by Jinyafu Holdings, a company deeply involved in the gold industry, as it struggles with overdue payments on investment products amidst rising gold prices. Investors have reported significant delays in receiving their returns, leading to government intervention and potential legal consequences for the company [2][3]. Group 1: Company Operations and Financial Issues - Jinyafu Holdings has been unable to meet the repayment obligations for its gold investment products, with reports indicating that the total amount involved may range from 7 billion to 8 billion yuan [3]. - Despite the financial turmoil, some of Jinyafu's retail outlets, known as "smart gold stores," continue to operate, and employees are reportedly still receiving salaries [1][3]. - The company has been under investigation by local financial authorities, and several executives have been detained as part of the inquiry into the company's financial practices [2][3]. Group 2: Investor Experiences and Contracts - Investors have expressed frustration over the lack of communication regarding the repayment of their investments, which were often sold with promises of annual returns between 8% and 10% [5]. - Many investors, like one from Hubei who invested over 10 million yuan, were unaware of the risks associated with their investments, as contracts were signed without full disclosure of potential issues [5][6]. - The contracts involved complex arrangements, including agreements with third-party companies for managing the investments, which have raised concerns about the legitimacy of the operations [10]. Group 3: Company Structure and Legal Matters - Jinyafu Holdings operates over 200 subsidiaries, with its main office located in Shenzhen, but many of these locations have been found empty or inactive [12][14]. - Legal actions have been initiated against Jinyafu Holdings for unpaid wages and other financial obligations, indicating broader issues within the company's operational integrity [22]. - The company has proposed various solutions to address the financial crisis, including converting investment products into equity in a subsidiary, but these proposals have largely been rejected by investors [23].

让我们回顾这起令人震惊的事件：一位投资者抵押房产，投入高达700多万元购买金雅福的黄金理财产 品，然而一夜之间，公司人去楼空，当初承诺的本金和收益，如今都化为泡影。 你是否也曾认为，投资黄金是最稳妥的避险方式？金雅福的案例却无情地击碎了这种幻想。这家自2006 年起便活跃于黄金珠宝产业链的公司，一度以其光鲜的外表和高收益承诺，赢得了众多投资者的信任。 金雅福不仅销售黄金，更承诺通过其关联公司深圳博耀进行委托投资，年化收益率高达8%。 然而，美好的承诺背后，隐藏着怎样的真相？无数投资者将毕生积蓄，甚至抵押房产投入其中，渴望获 得稳定的收益。然而，到了2023年11月，理财产品却开始频频延期兑付，许多人甚至从未亲眼见过一块 实物黄金。一位投资者悲痛地表示："我投进去700多万，三套房都搭上了，结果连一点本金都拿不回 来。"这不仅仅是个人的不幸，更是无数投资者的心声。 深圳金雅福的崩盘，犹如一记重锤，狠狠敲醒了那些迷信黄金理财的投资者。一场精心包装的"富贵 梦"，最终沦为令人心碎的噩梦。 金雅福事件引发了深刻的反思：监管部门虽已介入，但为何金雅福这类企业能够形成庞大的"自有资金 链"，并在短短几年内堆积如山的资金？ ...

Core Viewpoint - The article highlights the liquidity crisis faced by Jin Yafu Holdings Group, a former top 500 Chinese enterprise deeply involved in the gold industry, amidst rising international gold prices. The company has been reported to have delayed payments on some financial products, leading to significant market concern [1]. Group 1 - Jin Yafu's headquarters in Shenzhen has been vacated, with employees initiating labor arbitration to recover unpaid wages. The office was found locked, and a notice indicated a change of address due to "cost reduction and efficiency improvement" [3][4]. - Investigations revealed that Jin Yafu's subsidiary, Jin Cheng Family Management Consulting Co., had also failed to secure a lease at a new proposed location, further indicating operational instability [3]. - The company has faced investor claims, with reports of a specialized task force being set up to handle complaints related to illegal fundraising [4]. Group 2 - Despite the ongoing crisis, Jin Yafu's "Smart Gold Store" operations continue, allowing customers to conduct gold recycling transactions. However, delays in fund transfers for recycled gold have been reported, and staff salaries are being paid late [9]. - The company previously adjusted its recycling service fees in October, indicating attempts to alleviate financial pressure by modifying service charges [9]. Group 3 - Jin Yafu has been involved in promoting "gold entrusted investment" products, which promised high annual returns but may not have actually invested in gold. This has raised concerns about the legitimacy of their operations and the potential for fraud [11]. - The crisis has exposed the risks associated with the "gold entrusted" model, where investor funds were allegedly diverted to other projects, leading to a breakdown in trust and financial stability [12]. - The company has not issued any official statements regarding the liquidity crisis or potential solutions, leaving investors and the market in uncertainty [12].

*此图由AI生成 作者| 史大郎&猫哥 来源| 是史大郎&大猫财经Pro 黄金价格创了新高，但是黄金理财先暴雷了。 最近，不少人在社媒发帖称，自己购买的金雅福黄金理财，延期兑付了。 不少人就想要个说法，但是发现，其线上的官方旗舰店，已经停业，总部大楼已经没人，大楼出租方 说，金雅福已经确认撤场了。 又是AI，又是上市的，这是奔着"做大做强"去的，还是300家银行供应商。 不少投资者悬着的心，就放下了。 各种百万级投资，甚至有人直接把房子抵押了，投了700多万。 子公司在大门口贴了一个通知，说办公地址搬迁，但是通知上的新地址，无人入驻，金雅福还有一个黄 金珠宝博物馆，但是博物馆也是大门紧闭，展品也基本搬空。 总之就是，"人去楼空"。 老板黄仕坤不知道去哪儿了，但是"高管仍在境内"，暴雷规模，大约在70-80亿。 按照现在的金价计算，大约8000kg的黄金。 金雅福主营的就是黄金珠宝，黄金的文创、制造、零售、回收、精炼都做，2024年营收561亿，是"中国 企业500强"，黄仕坤资产90多亿。 其实6月份的时候，他们就延期兑付了，但是表面上，黄老板的阵仗搞很大。 搞了"智慧金店"，还弄了"黄金AI机器人"、"黄金 ...

Group 1 - The well-known gold company in Shenzhen, Jinyafu, has been reported to have delayed the redemption of some financial products, attracting widespread market attention [1] - An investor, Wei Hongbo (pseudonym), invested over 7 million yuan, including a 2 million yuan investment that has not been redeemed as scheduled, and he has never seen the physical gold he purchased [3] - Jinyafu's headquarters in Shenzhen has been vacated, with the company having moved out and removed its signage, indicating a potential operational shutdown [4] Group 2 - A visit to Jinyafu's former office revealed that the company had terminated its lease for multiple floors in a building, with notices posted by the property management confirming the end of the rental agreement [7]

临近年终，本是家家户户盘算一年收成、准备安心过年的时节，一则行业巨头暴雷的消息却让无数家庭 陷入恐慌。 一家年营收超500亿的中国500强黄金企业，旗下黄金理财项目集中逾期，更让人揪心的是，企业总部早 已人去楼空，只剩空荡荡的办公室和物业张贴的租赁终止告示。 小李留意到，这场暴雷波及了全国多个省份的普通百姓，不少人把一辈子的血汗钱、养老钱都投了进 去。 这些百姓的血汗钱还能追回来吗？这场看似突如其来的暴雷，背后是否藏着早已设计好的套路？ 被套路的普通百姓 在这场暴雷事件中，没有所谓的"大鳄"，全是一个个普通家庭的心酸与绝望。 有位投资者为了这份所谓的"稳健收益"，甚至把家里的好几套房子都抵押了，前后投进去700多万，如 今这些钱全都打了水漂，一家人的生活瞬间陷入绝境。 他当初之所以敢如此投入，就是因为相信这家企业的500强身份，觉得像金雅福这样的大公司肯定靠 谱，没成想最后却落得这般下场。 不只是大额投资者，不少小额投资者也没能幸免。 有位阿姨把自己30万的养老钱投了进去，原本想着到期后能多赚点钱补贴家用，没料到还没等到到期 日，就传来了理财逾期的消息。 省吃俭用攒了一辈子的积蓄，当初也是觉得这家企业靠谱，才 ...

魏鸿波（化名）一家2023年就通过金雅福线下门店接触到该项目。他告诉记者，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，魏鸿波发现一笔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。"魏鸿波说。 "人去楼空"，公司总部已搬离 记者实地走访了金雅福位于深圳罗湖的集团总部，到达后发现其总部职场目前已经退租搬离，前台的公 司招牌已经被铲去，里面的办公用品也基本被搬空。 近日，广东深圳知名黄金企业金雅福被曝部分理财产品兑付延期，引发市场广泛关注。 抵押几套房投入700多万元 但从未见过黄金 记者看到，相关楼层多处张贴有该大厦物业公司公告，称金雅福原租赁该大厦23F、24F、29F、31F单 元，现已搬离，其与该大厦的租赁关系已终止。公告签发日期为2025年12月12日。 ...

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，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。 黄金"委托投资"： 今年11月，魏鸿波发现一笔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。"魏 ...