中国理财产品违约引发捅刀伤人案
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.
一位心怀不满的中国投资者捅伤一家中国资产管理公司的首席执行官，这一最新迹象表明，随着违约增多，中国金融体系紧张升级。
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.
据受尊敬的财经新闻网站财新(Caixin)报道，环球巨富（北京）投资有限公司（Global Wealth Investment，以下简称环球巨富）首席执行官王杰在上周日的一次会议期间被一名投资者捅伤，随即被送至医院，伤口位于左肩往下，有15厘米长。作案嫌疑人曾在该公司一款理财产品投资30万元人民币（合4.73万美元），但该产品未能如约兑付。
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.
这一事件源自中国最大国有担保公司之一河北融投(Hebei Financing Investment Guarantee Group)破产。环球巨富和其他金融机构出售由河北融投担保的贷款支持的投资产品。
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家非银行贷款机构组成的团体致信河北省政府官员，警告称，如果政府无法救助河北融投，让这家担保公司履行其义务并让投资者避免损失，就有可能产生“不必要的社会影响”。
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，王杰还曾另外致信河北省政府官员，指出河北融投未能履行5家公司贷款的违约担保责任，涉及2.27亿元人民币贷款，影响环球巨富660位投资者。财新表示，环球巨富涉及河北融投项目资金约6.2亿元人民币。
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年以来，高收益理财产品的受欢迎程度飙升，面对起泡的房地产市场、波动的股市以及利率受到政府上限控制的银行存款等投资渠道，投资者纷纷寻找替代投资方式。这些产品的筹资所得一般流向无法获得银行贷款或发行债券的高风险借款者。
Intense demand for high-yield products, combined with loose regulation, has also created opportunities for outright hucksterism and fraud, sparking widespread protests.
对高收益理财产品的旺盛需求，再加上监管宽松，也为兜售和欺诈制造了机会，引发多起抗议。
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.
环球巨富迄今没有被指控存在任何过错。周二打给该公司的电话以及发送的邮件均未得到回复。该公司位于北京的办公室已锁门。贴在大门上的一则通知写着，上周日该地点发生一起“犯罪事件”，但没有详细说明。
Hebei Financing guaranteed loans by Global Wealth to steel, glass and paper manufacturers as well as to a commercial property development.
河北融投为环球巨富发放给钢铁、玻璃和造纸制造商以及一个商业地产开发项目的贷款提供担保。
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.
随着经济放缓，中国房地产行业和基础制造业正努力应对供应过剩和价格下跌问题。像环绕北京的河北省这种不景气的华北工业地区受到的打击尤为严重。
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，河北政府官员公布了一个“风险处置”计划以应对河北融投破产的影响，但详细内容不多，而且到目前为止，债权人仍未获得偿付。
Hebei Finance owes around Rmb50bn to various institutions.
多个金融机构涉及河北融投项目资金约500亿元人民币。
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.
上周日，王杰在与投资者开会、汇报追回损失资金的最新进展时被捅伤。财新援引一位目击者的话说，嫌疑人“假装没有任何事情，坐在王总身边”。
Mr Wang’s condition was initially life-threatening but had stabilised by midday on Monday, according to Caixin.
据财新报道，王杰被捅至重伤，起初有生命危险，周一中午12点左右才脱险。
