记者丨张欣 编辑丨杨希 视频丨王学权 金价"狂飙"的同时，"黄金骗局"也在同步加速蔓延。 近期，受美联储降息预期升温、全球贸易紧张局势推升避险需求等因素的支撑，国际金价延续 涨势。Wind显示，截至10月17日午后，全球现货黄金定价基准——伦敦现货黄金价格一举突 破4350美元/盎司，年初至今已涨超66%。 然而这波狂热行情背后，风险事件已接连发生：今年8月，秦阿姨在"理财群"看到"黄金投资， 稳赚不赔，邮寄即返双倍！" 的广告后心动不已，添加自称"某黄金交易所代理" 的对方为好 友，咬牙花6万元购买金条寄往指定地址，结果对方瞬间"人间蒸发"；仅半个多月后，大学生 小刘为赚零花钱参与"动动手指，日赚 500 元"的兼职，初期做点赞评论任务赚了几十元，却 被"导师"以"信誉分不够"为由要求买黄金邮寄才能提现，8500元金饰寄出后，"导师" 同样失 联。 这两起案例并非个例。随着金价持续攀升，投资者热情高涨的同时，非法分子也借机设局，相 关案件同步攀升。近日，北京市丰台区、江西高安、湖南桃江等多地政府先后通过官网发布风 险提示，集中揭露黄金托管、租赁返利、虚拟投资三类典型骗局，并公布青岛一起涉案 4 亿元 的集资 ...

Core Points - The company held its fifth board meeting on August 20, 2025, where several key resolutions were passed, including the approval of the 2025 semi-annual report and proposals for bank credit applications and gold leasing business [1][2][3] Group 1: Financial Reports - The board approved the 2025 semi-annual report, which was reviewed by the audit committee and received unanimous support from all attending directors [1] Group 2: Bank Credit and Gold Leasing - The company plans to apply for a total credit limit of up to 1.1 billion yuan from various banks, including 60 million yuan from Jiangsu Bank and 50 million yuan each from Ningbo Bank and Industrial Bank, to support business development and daily operations [1][2] - Within this credit limit, the maximum amount for gold leasing transactions is set at 200 million yuan, equivalent to approximately 250 kilograms of gold, with a rolling usage period from September 1, 2025, to August 31, 2026 [2] Group 3: Investment and Management Policies - The board approved the use of self-owned funds for entrusted wealth management, with details disclosed in a separate announcement [2] - Several internal management systems are to be revised to enhance governance and risk control, including the management of shares held by directors and executives, independent director work systems, and related party transaction management [3]

Group 1 - The company expects total revenue for the six months ending June 30, 2025, to be between RMB 10,400 million and RMB 10,500 million, representing a year-on-year increase of 4.2% to 5.2% compared to RMB 9,979.7 million for the six months ending June 30, 2024 [1] - The overseas revenue for the same period is projected to be between RMB 140 million and RMB 150 million, a significant increase of 273.3% to 300.0% compared to RMB 37.5 million for the six months ending June 30, 2024 [1] - The company anticipates a loss attributable to shareholders for the six months ending June 30, 2025, ranging from RMB 65 million to RMB 72 million, a substantial decrease of 237.1% to 251.9% compared to a profit of RMB 47.4 million for the same period in 2024 [1][2] Group 2 - The expected transition from profit to loss is primarily due to increased losses from Au(T+D) contracts and gold leasing, with total losses projected to be between RMB 680 million and RMB 700 million for the six months ending June 30, 2025, compared to a loss of RMB 345.7 million for the same period in 2024 [2] - The company engages in Au(T+D) contracts solely to hedge against gold price fluctuations and does not engage in speculative activities as defined by Hong Kong Financial Reporting Standard No. 9 [2] - The company plans to implement measures to mitigate the adverse effects of short-term gold price increases, aiming to sell products at prices above the average procurement cost, while closely monitoring market acceptance of rising gold prices [3]

Group 1 - The article discusses a financial disaster involving a Zhejiang-based company led by wealthy heir Yu Zengyun, who absconded with 5.3 billion yuan, leaving numerous investors with significant losses [1][30] - The financial product "Qiaohang Tianxia" offered annual returns of 7% to 8%, attracting many investors during a period of low bank interest rates [4][9] - The business model involved buying gold and "renting" it out, which was marketed as a lucrative investment opportunity [6][7] Group 2 - Yu Zengyun, who inherited a real estate fortune, shifted focus to high-risk capital ventures, leading to the rapid growth of a financial empire known as "Qiaohang" [11][13] - The company launched a gold leasing product in 2019, which became a major vehicle for attracting private funds, but ultimately lacked real gold backing [13][32] - On September 5, 2023, a significant gold leasing order of 50 million yuan went unpaid, triggering panic among investors and revealing the company's financial instability [15][17] Group 3 - The company falsely claimed to be a partner of "China Gold," using this association to gain investor trust, but later denied any collaboration after the scandal broke [22][34] - Internal data indicated that over 4 billion yuan was unpayable, equating to 5 tons of gold, which was never actually held by the company [28][32] - The aftermath of the scandal left many employees and investors devastated, as they had invested their savings and even mortgaged properties based on the company's promises [26][30]

Group 1 - Zijin Copper Industry Co., Ltd. is the leading enterprise in the 100 billion yuan copper industry in Shanghang County, located in the Jiaoyang New Materials Industrial Park [1] - Zijin Copper has been enhancing its leading role by strengthening upstream and downstream linkages and exploring a circular economy model that transforms waste into resources [3] - The Industrial and Commercial Bank of China (ICBC) Longyan Branch has conducted comprehensive research on the financial service needs of the copper smelting industry chain in Shanghang, tailoring a comprehensive financial service plan for local enterprises [3] Group 2 - ICBC Longyan Branch offers various financial products such as gold leasing, import letters of credit, bank acceptance bills, domestic factoring, and working capital loans to meet the financing needs of enterprises [3] - The bank's precise financial support has effectively addressed the "difficult and expensive financing" issues faced by industry chain enterprises, significantly improving financing efficiency [4] - The comprehensive financial services provided by ICBC have promoted close cooperation among upstream and downstream enterprises, facilitating the overall optimization and upgrading of the industry chain [4]

Core Viewpoint - The article highlights the collapse of Yongkun Gold, a company that misled investors through a Ponzi scheme disguised as a legitimate gold investment platform, ultimately leading to significant financial losses for many individuals [2][10]. Group 1: Company Operations - Yongkun Gold operated under the guise of a reputable gold investment firm, claiming to offer a 12% annual return on gold deposits, which attracted many investors, particularly those wary from previous financial scams [2][4]. - The company utilized two sets of financial records: one for fictitious "gold leasing business" transactions and another for actual fund flows, which included transferring 38% of new investments to executives' overseas accounts [4][6]. - The management's attempts to mitigate declining investments included increasing referral commissions and fabricating bank deposit proofs, which ultimately accelerated the company's downfall [4][6]. Group 2: Financial Collapse - On May 20, 2025, Yongkun Gold faced its first inability to make payments to clients, revealing a complete depletion of funds [5]. - The company's leadership failed to address the crisis effectively, with the chairman going missing and the company shutting down its operations [5][6]. - The collapse of Yongkun Gold reflects a broader issue within the financial industry, where traditional entities merge with internet finance, creating complex schemes that are difficult to trace [6][10]. Group 3: Regulatory Response - In response to the crisis, regulatory bodies have begun to take action, including halting gold investment business registrations and implementing stricter oversight on gold financial products [11]. - Despite these regulatory measures, many investors remain in dire financial situations, highlighting the delayed response of authorities to prevent such schemes [11][12]. Group 4: Industry Implications - The case of Yongkun Gold serves as a cautionary tale about the dangers of high-yield investment schemes, particularly those promising returns exceeding 8%, which are often indicative of underlying risks [9][10]. - The incident underscores the vulnerability of ordinary investors in the face of sophisticated financial fraud, emphasizing the need for greater transparency and accountability in the investment sector [10][12].

Core Insights - The Industrial and Commercial Bank of China (ICBC) Fangchenggang Branch has focused on addressing corporate funding gaps through gold leasing services, facilitating the transformation and upgrading of traditional industries [1] - As of April 20, the branch has completed gold leasing transactions totaling 1,160 kilograms, amounting to 833 million yuan [1] Group 1: Business Strategy - The bank actively identifies corporate needs by conducting in-depth assessments of production and funding plans, creating tailored financing solutions, and offering competitive pricing to support businesses at critical funding junctures [1] - An innovative business linkage mechanism has been established, ensuring rapid loan access through a vertical collaboration model that includes grassroots customer engagement, branch-level risk modeling, and head office resource allocation [1] Group 2: Operational Efficiency - The bank has implemented a "gold leasing task force" and a "gold business specialist" team to provide around-the-clock support, significantly reducing the entire gold leasing process time to 48 hours, which is a 60% improvement over traditional standards [1] - The product management and marketing teams have developed a flexible pricing strategy that combines short-term and long-term options to enhance service quality for clients facing funding mismatches [1] Group 3: Future Plans - The bank plans to deepen scenario integration, expand corporate financing channels, and optimize comprehensive services under the "gold leasing + N" model to further assist businesses in reducing costs and enhancing efficiency [2]

作者： 李秋涵 来源：启阳路4号（ID： qyl4hao ） 核心提示： 1.时隔两个月，华侨控股黄金爆雷案还在发酵。三位高管被曝出潜逃，员工陷入混 乱。有员工称抵押房产投入上千万买公司产品，身边最多的员工投了5000万。 2.根据员工提供的爆雷前夕内部数据清单，未兑付金额规模总计约70多亿，其中黄金租赁 业务未兑付的资金有40多亿，以700元/克的金价计算，相当于5吨黄金"不翼而飞"。 3. 这一离奇爆雷事件，波及到的中国黄金已经声明"从未与华侨系有任何业务合作"，但并 没有让员工和投资人打消疑虑，他们搜寻到疑似打向中国黄金方的电子回单、流水记录， 但信息真真假假，已经陷入罗生门。 继浙江隐秘富豪陈炫霖潜逃美国后，又一位浙江富豪出逃，其身上还背负着"5吨黄金"的谜案。 11月9日，创兴资源发布公告，称公司实控人余增云因涉嫌集资诈骗，被立案调查。 46岁的余增云，刚刚入主创兴资源不到两年，此次涉案主体是他运作多年的华侨控股集团有限公司 （下称"华侨控股"）。这家公司在侨商资本中颇有影响力，从高管到员工，再到客户，不少人员有海 归背景，主营业务涉及基金、私募、资产管理等，最知名的理财产品是"黄金租赁"。 根据员 ...