中國理財產品違約引發捅刀傷人案
A disgruntled Chinese investor has stabbed the chief executive of an asset management company, the latest sign of escalating tension in the country’s financial system amid rising defaults.
一位心懷不滿的中國投資者捅傷一家中國資產管理公司的首席執行官，這一最新跡象表明，隨着違約增多，中國金融體系緊張升級。
Wang Jie, chief executive officer of Global Wealth Investment (Beijing), was rushed to hospital after an investor stabbed him during a meeting on Sunday, opening a wound of about 15cm in his shoulder, according to Caixin, a respected financial news website. The alleged assailant had invested Rmb300,000 ($47,300) in a wealth management product that failed to pay out as promised.
據受尊敬的財經新聞網站財新(Caixin)報道，環球鉅富（北京）投資有限公司（Global Wealth Investment，以下簡稱環球鉅富）首席執行官王傑在上週日的一次會議期間被一名投資者捅傷，隨即被送至醫院，傷口位於左肩往下，有15釐米長。作案嫌疑人曾在該公司一款理財產品投資30萬元人民幣（合4.73萬美元），但該產品未能如約兌付。
The incident stems from the collapse of Hebei Financing Investment Guarantee Group, one of China’s largest state-backed guarantors. Global Wealth and other financial institutions sold investment products backed by loans guaranteed by Hebei Financing.
這一事件源自中國最大國有擔保公司之一河北融投(Hebei Financing Investment Guarantee Group)破產。環球鉅富和其他金融機構出售由河北融投擔保的貸款支持的投資產品。
In August, a group of 11 non-bank lenders wrote to top Communist party officials in Hebei province warning of “unnecessary social influence” if the government failed to bail out Hebei Financing and thus enable the guarantor to honour its obligations and insulate investors from losses.
今年8月，11家非銀行貸款機構組成的團體致信河北省政府官員，警告稱，如果政府無法救助河北融投，讓這家擔保公司履行其義務並讓投資者避免損失，就有可能產生“不必要的社會影響”。
Mr Wang also wrote separately to Hebei officials that same month, noting that Hebei Financing had failed to honour guarantees on loan defaults by five companies worth Rmb227m and affecting 660 investors in Global Wealth products. Caixin said the amount owed to Global Wealth by the guarantor is now Rmb620m.
同月，王傑還曾另外致信河北省政府官員，指出河北融投未能履行5家公司貸款的違約擔保責任，涉及2.27億元人民幣貸款，影響環球鉅富660位投資者。財新表示，環球鉅富涉及河北融投項目資金約6.2億元人民幣。
High-yielding wealth management products have surged in popularity since 2010 as investors sought alternatives to a frothy property sector, volatile stock market and bank deposits on which interest rates are subject to government caps. The proceeds of such products typically flow to higher-risk borrowers unable to obtain bank loans or issue bonds.
自2010年以來，高收益理財產品的受歡迎程度飆升，面對起泡的房地產市場、波動的股市以及利率受到政府上限控制的銀行存款等投資渠道，投資者紛紛尋找替代投資方式。這些產品的籌資所得一般流向無法獲得銀行貸款或發行債券的高風險借款者。
Intense demand for high-yield products, combined with loose regulation, has also created opportunities for outright hucksterism and fraud, sparking widespread protests.
對高收益理財產品的旺盛需求，再加上監管寬鬆，也爲兜售和欺詐製造了機會，引發多起抗議。
Global Wealth has not been accused of any wrongdoing. Phone calls and emails to the company went unanswered on Tuesday. The company’s office in Beijing was locked. A note taped to the door said a “criminal incident” had occurred there on Sunday but did not elaborate.
環球鉅富迄今沒有被指控存在任何過錯。週二打給該公司的電話以及發送的郵件均未得到回覆。該公司位於北京的辦公室已鎖門。貼在大門上的一則通知寫着，上週日該地點發生一起“犯罪事件”，但沒有詳細說明。
Hebei Financing guaranteed loans by Global Wealth to steel, glass and paper manufacturers as well as to a commercial property development.
河北融投爲環球鉅富發放給鋼鐵、玻璃和造紙製造商以及一個商業地產開發項目的貸款提供擔保。
China’s property and basic manufacturing sectors are grappling with oversupply and falling prices as the economy slows. Rust-belt regions like Hebei province, in north China near Beijing, have been especially hard hit.
隨着經濟放緩，中國房地產行業和基礎製造業正努力應對供應過剩和價格下跌問題。像環繞北京的河北省這種不景氣的華北工業地區受到的打擊尤爲嚴重。
In early September, Hebei officials published a “risk disposal” plan to deal with the fallout from the guarantor’s collapse, but it was short on detail and so far creditors remain unpaid.
今年9月初，河北政府官員公佈了一個“風險處置”計劃以應對河北融投破產的影響，但詳細內容不多，而且到目前爲止，債權人仍未獲得償付。
Hebei Finance owes around Rmb50bn to various institutions.
多個金融機構涉及河北融投項目資金約500億元人民幣。
Mr Wang was meeting with investors on Sunday to update them on efforts to recoup lost funds when he was stabbed. The alleged assailant had been sitting next to him at the meeting and initially acted normally, Caixin reported a witness as saying.
上週日，王傑在與投資者開會、彙報追回損失資金的最新進展時被捅傷。財新援引一位目擊者的話說，嫌疑人“假裝沒有任何事情，坐在王總身邊”。
Mr Wang’s condition was initially life-threatening but had stabilised by midday on Monday, according to Caixin.
據財新報道，王傑被捅至重傷，起初有生命危險，週一中午12點左右才脫險。
