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A Chinese author has apologised to investors for endorsing Fanya Metals Exchange in a rare acknowledgment of the role celebrities and state media play in promoting high-interest products to the public.
一名中國(guó)作家為自己曾經(jīng)認(rèn)可泛亞有色金屬交易所(Fanya Metals Exchange)向投資者道歉，此舉罕見地承認(rèn)了名人和官方媒體在向公眾推介高息產(chǎn)品方面扮演的角色。
As China’s economy slows, regulators are growing more concerned about the matter. The money raised is often lent at even higher rates in the unregulated shadow market, or used to pay returns to previous investors.
隨著中國(guó)經(jīng)濟(jì)放緩，監(jiān)管機(jī)構(gòu)對(duì)這個(gè)問題變得更加擔(dān)憂。通過高息產(chǎn)品籌集的資金往往以更高利率在不受監(jiān)管的影子市場(chǎng)放貸，或用來向先前的投資者支付回報(bào)。
Based in the southwestern city of Kunming, the Fanya exchange traded in a little-known group of metals used in high-tech and military applications, as well as issuing very liquid products at interest rates as high as 13 per cent.
總部位于西南城市昆明的泛亞有色金屬交易所，專門交易一類應(yīng)用在高科技和軍工領(lǐng)域的不知名金屬，同時(shí)以高達(dá)13%的利率發(fā)行高流動(dòng)性產(chǎn)品。
An estimated $6.4bn in funds from investors who bought Fanya’s products has been frozen since its liquidity dried up early this year.
據(jù)估計(jì)，自今年初泛亞流動(dòng)性枯竭以來，投資者用來購(gòu)買泛亞產(chǎn)品的64億美元一直被凍結(jié)。
Many investors said they felt safe about putting their money into Fanya products because of promotional spots on China Central Television, advertisements on trains or endorsements by celebrities such as Song Hongbing, author of Currency Wars. Fanya conferences held in cities around China also featured banking executives.
許多投資者表示，他們之所以對(duì)投資泛亞產(chǎn)品感到安全，是因?yàn)橹袊?guó)中央電視臺(tái)的宣傳、列車上的廣告，以及《貨幣戰(zhàn)爭(zhēng)》作者宋鴻兵等名人的站臺(tái)。一些銀行業(yè)高管也曾出席泛亞在中國(guó)各地舉行的會(huì)議。
Mr Song later said on social media that his handwritten apology was given under duress after disgruntled Fanya investors surrounded him at an investment conference this weekend. Fanya investors earlier took the law into their own hands with a citizen’s arrest of Fanya’s founder although police declined to press charges.
宋鴻兵事后在社交媒體上表示，他手寫的道歉是脅迫之下的產(chǎn)物，此前憤怒的泛亞投資者在周末的一個(gè)投資會(huì)議上包圍了他。較早前，泛亞投資者曾自行把泛亞創(chuàng)始人抓起來交給警方，但是警方?jīng)]有提出任何指控。
Many products, including those issued by Fanya, are sold through state-owned bank branches, adding to an aura of reliability but increasing systemic risk posed by defaults if investors or regulators hold the banks accountable.
很多產(chǎn)品（包括由泛亞發(fā)行的產(chǎn)品）是通過國(guó)有銀行的營(yíng)業(yè)網(wǎng)點(diǎn)銷售的，此舉增添了可靠性的光環(huán)，但也增加了違約將構(gòu)成的系統(tǒng)性風(fēng)險(xiǎn)——如果投資者或監(jiān)管者追究相關(guān)銀行的責(zé)任。
One Fanya investor who took expert endorsements into consideration said: “Their influence on people’s decisions vary from person to person. Most people are at least influenced in a subtle way.”
曾將專家的認(rèn)可納入考慮的一名泛亞投資者表示：“他們對(duì)各人決策的影響有大有小，因人而異。多數(shù)人至少受到了潛移默化的影響?！?/p>
Mr Song’s book, on the influence of the Rothschild family on a number of financial institutions including the US Federal Reserve, became a bestseller in China when it was published in 2007. He was cornered by Fanya investors when speaking at an unrelated conference this weekend, and hand-wrote his apology on a piece of paper during the confrontation.
上述宋鴻兵的書講述羅斯柴爾德家族對(duì)多家金融機(jī)構(gòu)——甚至包括美聯(lián)儲(chǔ)(Federal Reserve)——的影響力。該書在2007年出版后成為中國(guó)的暢銷書。他上周末在一個(gè)不相關(guān)的會(huì)議上發(fā)表講話時(shí)受到泛亞投資者圍攻，在對(duì)峙期間手寫了自己的道歉書。
His apology, carried by several Chinese media outlets and posted online by Fanya investors, read: “I deeply apologise for having participated in Fanya commercial events. I didn’t understand Fanya’s business model and misled everyone. I will make the greatest efforts to help everyone to clarify and make up for the losses suffered by Fanya investors.”
根據(jù)中國(guó)多家媒體報(bào)道和泛亞投資者發(fā)帖，他的道歉是這么說的：“對(duì)于參加泛亞商業(yè)活動(dòng)，我表示深深的歉意，我事先并沒有清楚地了解泛亞的模式，誤導(dǎo)了大家。對(duì)于泛亞投資人的損失，我將盡最大努力幫助大家申明情況，并盡可能補(bǔ)救損失。”
Mr Song participated in at least one conference co-organised by Fanya and CCTV in autumn 2014.
宋鴻兵至少參加了2014年秋季由泛亞和中央電視臺(tái)共同舉辦的一個(gè)會(huì)議。
Several months later the exchange stopped paying out on its investment products and protesters took to the streets.
幾個(gè)月后，該交易所停止兌付其投資產(chǎn)品，投資者走上街頭抗議。
