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一个新银行(加拿大第一财富银行)的肮脏开始

作者:xinzhong 来源:未知 关注: 时间:2016-11-30 09:09

  The murky beginnings of a new Canadian bank

  一个新银行(加拿大第一财富银行)的肮脏开始

  Xian’s past business practices in question

  王广通(Stanley Wang)的老板咸生林的过往从业经历受到质疑

  ROBERT FIFE AND STEVEN CHASE

  OTTAWA — The Globe and Mail 渥太华——环球邮报

  Published Thursday, Nov. 24, 2016 7:39PM EST 2016年11月24日星期四

  Last updated Thursday, Nov. 24, 2016 8:31PM EST

  The founder and a chief investor of a new Canadian bank aimed at Chinese Canadians was fined for mishandling client insurance claims and faced allegations he duped Chinese immigrants into buying expensive policies they could not afford.

  以加拿大华人为主要目标的第一财富银行的创始人及主要投资人因误导客户购买保险而遭处罚并将曾面对多项指控,他欺骗中国移民购买这些移民无法承受的昂贵保险。

  Another principal investor in Wealth One Bank of Canada misrepresented his credentials on the bank’s website, claiming he was a senior ranking member of China’s legislature and an advisory body to that country’s leaders.

  另一位第一财富银行的主要投资人在该银行网站上做虚假资历,宣传其为中国立法部门某高级成员,并虚假宣传其是中国政府议政组织的成员。

  The Globe and Mail delved into the business past of Shenglin Xian, president of Shenglin Financial Corp. and founder and vice-chair of Wealth One Bank of Canada, after reporting he paid $1,500 to attend a cash-for-access Liberal Party fundraiser on May 19 at which Prime Minister Justin Trudeau was the prized guest.

  环球邮报在报道了有关咸生林,咸氏金融总裁、加拿大第一财富银行创始人及副主席,在5月19日以总理贾斯汀特鲁多为消费对象每人收取$1500费用的捐助宴会后,对其进行了进一步调查。

  At the time, Mr. Xian was waiting for final approval from the federal banking regulatory agency for Wealth One. That was granted a month later. Mr. Xian told The Globe he did not discuss Wealth One with Mr. Trudeau.

  彼时,咸生林正在等待联邦银行审批协会对第一财富银行进行批准,并于一个月后得到批准。咸生林说他并没有和特鲁多总理讨论第一财富银行有关事宜。

  “Nothing, nothing, I just met him,” he said. “We never mentioned it. It was just … to say hi, that’s all. We never mentioned … Wealth One.”

  “什么都没谈,我只是跟他见面,”咸生林说,“我们从未谈及此事。见面只是简单问候,我们从未提及。。。第一财富银行。”

  The Globe also discovered that Chinese-Canadian grocery entrepreneur Yuansheng Ou Yang, a director and key investor, misrepresented his biography on the Wealth One website. It claimed he had served as a member of China’s National People’s Congress, which is the country’s legislature, and the Chinese People’s Political Consultative Conference (CPPCC), a political advisory board to Beijing.

  环球邮报发现,一位中加零售企业家欧阳元生(音译,Yuansheng Ou Yang),第一财富银行的董事以及主要投资人,在该银行网站上对其个人资历弄虚作假。宣称他是中国人民代表大会——中国立法机构的委员,以及中国政协,一个议政组织的委员。

  This would mean that Mr. Ou Yang was a powerful political figure in China before he came to Canada. In interviews The Globe conducted with four of the directors, including the chairman and chief executive, the bank acknowledged the website information was incorrect.

  这意味着欧阳先生在来加拿大之前是中国非常有分量的政治人物。在环球邮报与四位董事,包括主席及执行官的采访中,该银行称其网站的信息有误。

  “He has nothing to do with the government’s congress. Nothing. Also, by law, no overseas Chinese is entitled to be a member of the Chinese congress, so there must be a translation mistake,” Mr. Xian said. “He has nothing to do with the legislature, nothing to do with the congress. He is not a 100-per-cent member. He is a Canadian.”

  “他与中国政府没任何关系,并且,根据法律,任何中国政府官员不得为境外人士,所以肯定是翻译错误。”咸生林说,“他也与任何立法机构无关,跟人大无关。他百分之百不是人大成员,他是加拿大人。”

  Corporate director Jeffrey Graham, who is also a lawyer with Borden Ladner, said Mr. Ou Yang’s assistant “screwed up” and inflated her boss’s achievements to “make him sound more impressive.”

  公司董事Jeffrey Graham,也是Borden Ladner的律师,说欧阳的助理“搞了这些名堂”,为了让她老板的成就听上去更加厉害。

  Mr. Xian said Mr. Ou Yang had been recommended by China’s Toronto consul-general to visit the People’s Consultative Congress on March, 2015, as an observer, and insisted his multimillionaire friend is not a big player in the eyes of China’s government.

  咸生林说,欧阳先生曾经被多伦多领馆总领事与2015年3月邀请作为观察员访问中国政协,并且坚称他的亿万富豪朋友在中国政府眼中不是什么大人物。

  “This guy, Mr. Ou Yang, has no education. In no way would he be a person to be consulted about by the government,” Mr. Xian said.

  “欧阳先生没有学历,所以不可能为政府服务,”咸生林说。

  The Globe and Mail asked Wealth One about whether several incidents in Mr. Xian’s career as an insurance magnate were dealt with during the federal approval process for the bank. In 2013, the Insurance Council of British Columbia fined Mr. Xian $2,000 for proceeding with life-insurance policies for a married couple without obtaining proper written authorization on changes to the policy.

  环球邮报向第一财富银行询问了在银行审批过程中,几宗咸生林作为保险代理人从业期间的案件及处理。2013年,BC省保险委员会对咸生林做出处罚,对其进行$2000的罚款,因其未经授权非法向一对夫妇出售人寿保险。

  Advocis did not respond to a request to explain what happened. In an interview on Thursday, Mr. Xian blamed a “smear campaign.” He said Advocis dropped the matter. Mr. Graham said Mr. Xian was also reviewed and investigated by the Financial Services Commission of Ontario and “no regulatory action was taken.”

  ADVOCIS 并没有就发生了什么进行解释。在周四的采访中,咸生林谴责了这种“污蔑”。他说ADVOCIS对此事罢论。Graham先生说咸生林被安省金融服务协会审查并调查,并其”没有作出任何决定”。

  In 2003, two Chinese immigrants in Oakville, Ont., complained to Advocis, the Financial Advisors Association of Canada, alleging Mr. Xian duped them into investing $20,000 of their savings in the first-year premiums of three life-insurance policies they could not afford. Mr. Xian later left the Financial Advisors Association “after a dispute over the findings of disciplinary panels,” the Toronto Star reported in 2005.

  2003年,两个居住于安省Oakville的中国移民向加拿大金融从业人士协会(ADVOCIS)抗议,指责咸生林欺骗他们投资每年保费$20,000的人寿保险,他们根本无力承担。咸生林在“协会对其做出罚款处罚的决定之后” 脱离了ADVOCIS,多伦多星报2005年报道。

  In the B.C. matter, the Insurance Council’s ruling said: “[Mr. Xian] took responsibility for his error in allowing another party to sign on behalf of the female client without proper written authorization.” Mr. Xian told the council he spoke with the female client on the phone and had obtained verbal authorization for her sister to sign on her behalf, along with a promise she would provide written authorization for this to happen. This authorization was not obtained.

  在BC省的事件中,保险协会做出决定:“咸生林应就其未经授权为一位女性客户非法签署客户文件负责。”咸生林解释说他跟该女性客户在电话里获得授权,但是最终并没有得到该授权。

  “The [broker’s] position was that this was an isolated event in his otherwise unblemished 22-year insurance career. [He] stated that he recognizes and is embarrassed by his error, and gave his assurance that it will not happen again,” the council said.

  “这个经纪认为这次是一个独立的事件,在其22年的保险生涯中。他说他认识到了他的错误并感到羞耻,并且做出承诺以后不会再犯。”协会委员如是说。

  On Thursday, Mr. Xian said his office was supposed to collect the relevant power of attorney, but his secretary resigned “because of a pregnancy complication” and it did not happen.

  周四时候,咸生林说他的办公室本应该已经得到授权委托书,但是他的助理因为怀孕辞职,而这根本没有发生过。

  He also said the B.C. matter occurred in an atmosphere of rivalry from competitors, who were “trying to kill me before I was even born” in the years after he began operating in that province.

  Wealth One Bank got tentative approval for letters of patent on July 22, 2015, from then– finance minister Joe Oliver. Mr. Oliver said Finance Canada officials had not raised concerns with him about Mr. Xian or any other major shareholder. “I was not made privy to any irregularities [of the shareholders],” Mr. Oliver said. “It didn’t invoke anything that I can recall that was problematic. When something comes to me, it has been vetted by the appropriate authorities. The due diligence is done by the [Finance] department.”

  Mr. Ou Yang was sued by a minority shareholder in his grocery business, Barry Wan, who has alleged in court documents he was not paid a fair share from the Yuan Ming Supermarket. A document filed in a civil court case filed in 2013 said Mr. Ou Yang and his wife, Ming Zhu Zhuang, made “accounting irregularities.” The court later ordered Mr. Ou Yang to buy out Mr. Wan’s 10-per-cent interest, according to Mr. Ou Yang’s lawyer, Andrea Habas.

  欧阳先生被他的零售生意中的小股东Barry Wan诉讼,该小股东控诉欧阳没有以市场价值交易其超级市场的股权。一份于2013年在法院递交的文件显示,欧阳和他的妻子做假账。

  Wealth One did not know about the civil suit, but CEO Charles Lambert said the bank had carefully vetted the directors.

  第一财富银行并不值得上述诉讼,但是CEO Charles Lambert说银行已经仔细审查过这些董事。

  “We have gone through a thorough due diligence of our directors,” Mr. Lambert said. “We have obviously vetted our members quite extensively.”

  ”我们已对所有董事进行尽职调查”,Lamber先生说,“我们对他们进行了广泛的调查。”

  Another bank director is Mao Hua Chen, a wealthy Vancouver real estate developer. He and his wife, Mingyan Lin, are listed as key investors in Wealth One. The couple operate the North America Investment and Trade Promotion Association, which promotes close economic ties between Canada, China and the United States.

  另外一位银行董事是陈茂华(Mao Hua Chen), 一位富有的温哥华房地产开发商。他和他妻子林明艳(Mingyan Lin)都是第一财富银行的主要投资人。这对夫妇运营了北美投资和贸易促进协会,协助促进加拿大、中国和美国之间的经济往来。

  **以上英文为环球时报该报道原文,两种语言如有冲突,以英文为准。

  Follow us on Twitter: Robert Fife @RobertFife, Steven Chase @stevenchase

  Original Link:

  原文链接如下:

  http://www.theglobeandmail.com/report-on-business/the-murky-beginnings-of-a-new-canadian-bank/article33034258/



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