「政府牵头成立借贷公司卷走11亿，投资者讨款遭镇压（2025.11.10）」陕西韩城市“民间借贷登记服务中心”爆雷事件持续发酵。本周一（11月10日），数百名投资者再次聚集在韩城市政府门前，要求归还他们的投资资金，总额高达 11亿元人民币。然而，这场和平请愿很快便遭到警察镇压，现场多名投资者被暴力对待，10人被当场抓走，直至当晚7点才被释放。
“政府背书”的骗局：从金融创新到集体陷阱
韩城市民间借贷登记服务中心成立于2014年6月，被定位为引导民间资本“阳光化”“规范化”的金融创新平台。它并非普通企业，而是由韩城市政府主导设立、并由时任市长张建中亲任领导小组组长，两名副市长及公安、财政、法院、金融办等十余个部门负责人担任副组长或成员。
在地方媒体和政府文件的共同宣传下，这一机构被塑造成官方金融改革的典范。《韩城日报》曾称其“为民众提供无风险、收益高的理财渠道”，并报道村民将孩子学费、养老钱投入其中的故事。政府还宣称其“无一例不良贷款”。
在这种高规格背书和宣传下，该中心推出的月收益8%的融资方案，吸引了大量市民投资。许多投资人是退休老人、小商贩或农民，他们深信“政府监管、风险可控”，甚至卖房、动用养老钱投入其中。
然而，这场被政府称为“金融创新”的实验最终演变成一场集体灾难。2025年9月下旬，韩城市民间借贷登记中心突然爆出资金链断裂的消息，随后彻底崩盘。据统计，受害者多达2200人，涉及资金约11亿元人民币。
政府既是玩家，又是裁判
事发后，韩城市政府曾宣布“接管”该中心，并承诺“出台解决方案”，但时至今日并无实际行动。在无法兑现承诺后，又恼羞成怒，对投资者进行武力镇压。
在这起事件中，韩城政府扮演的角色，在短时间内由始作俑者，迅速转换成了“秩序的维护者”。虽然类似事件早已屡见不鲜，但如此明目张胆并不多见。当政府既是玩家，又是裁判时，民众便成了唯一牺牲品。
“Government-backed lending firm embezzles 1.1 billion yuan, investors suppressed (Nov 10, 2025)”
The collapse of the “Private Lending Registration Service Center” in Hancheng, Shaanxi, continues to unfold. On Monday, November 10, hundreds of investors gathered again in front of the Hancheng city government, demanding the return of their investments totaling 1.1 billion yuan. The peaceful protest was quickly suppressed by police. Several investors were violently treated, and 10 were arrested on the spot, only being released around 7 p.m.
A government-endorsed scam: from financial innovation to collective trap
The Hancheng Private Lending Registration Service Center was established in June 2014 as a platform to guide private capital toward “transparency” and “standardization.” It was not an ordinary enterprise: the center was led by the Hancheng city government, with then-mayor Zhang Jianzhong heading the leadership team, and two deputy mayors along with officials from the public security, finance, court, and financial bureaus serving as members.
Promoted through local media and government documents, the center was portrayed as a model of official financial reform. The Hancheng Daily described it as offering “risk-free, high-return investment channels” and featured stories of villagers investing their children’s tuition and retirement savings. The government claimed it had “successfully issued over 1 billion yuan in loans with zero bad debts.”
With such high-level backing and promotion, the center’s 8% monthly return plan attracted many citizens. Most investors were retirees, small merchants, or farmers, trusting that “the government supervises it, so the risks are controlled,” with some even selling houses or using retirement savings to invest.
However, what the government called “financial innovation” became a collective disaster. In late September 2025, the center abruptly announced a funding crisis, leading to a total collapse. Statistics show around 2,200 victims were affected, with total losses of approximately 1.1 billion yuan.
The government as both player and referee
After the collapse, the Hancheng city government announced it would “take over” the center and promised a “solution plan,” but no action has been taken to date. When it could not fulfill its promises, authorities resorted to violent suppression of investors.
In this case, the Hancheng government quickly shifted from being the instigator to the “maintainer of order.” While such incidents are not uncommon, this level of brazen involvement is rare. When the government acts as both player and referee, the people are the only victims.