1、?2015?2016-012?1?78?e?c?E?L?5-5?,3-?1052?.?.?0?8?8?:?c?gho?2015?2016-012?2?78?2015?3?12?9?2018?3?17?2015?7?23?【?2015?8?11?6?2015?7?23?2014?A?2015?12?11?10,000,000?1.5?2015?12?22?2015?2016-012?5?78?:?6?6?6?6?6?6?6?6?6?6?6?:?:?9?9?6?【?6?2015?2016-012?6?78?6?6?（?6?6?【?【?6）?6?6?6?：?6；?6?2015?2016-012?7?
2、78?6?Linan Zhaofeng Micro-credit Co.,Ltd?833210?28?28?1?6?128?7?6?0571-61107002?0571-61107009?http:/?28?311300?http:/?2015?2016-012?8?78?2015-08-11?J?J66?6?310,000,000?330100000069412?330124682914562?68291456-2?2015?2016-012?9?78?%?【?55,013,467.28 52,452,922.57 4.88%?%-?36,736,249.69 29,109,861.29 2
3、6.20%?36,273,099.23 28,850,247.25 25.73%?【?%?10.29%8.34%_?【?%?10.16%8.27%-?【?0.12 0.10 20.00%?30?9?%?403,763,282.15 353,620,115.96 14.18%?13,691,717.15 15,084,800.65-9.24%?390,071,565.00 338,535,315.31 15.22%?1.26 1.13 11.50%?%3.39%4.27%-?-?2015?2016-012?10?78?-?30?9?%?-5,070,687.00 57,476,355.55-?【
4、?-?-?n?%?%14.18%-5.29%-?【?%4.88%-12.84%-?%26.20%-26.81%-?%?310,000,000 300,000,000 3.33%?-?-?-?-M?f?617,533.95?154,383.49?-?463,150.46?2015?2016-012?11?78?2?3?6?6?6?6?2?6?6?3?2?3?2?6?6?3?2?3?2?3?6?6?“?6?6?6?：?；?2?6?6?3?（?【?【?6?2015?2016-012?12?78?【?【?55,013,467.28?【?52,372,419.31?【?2,345,858.33?【?6,
5、997,052.31?8,795,289.13?14,215,155.07?48,579,076.46?11,842,826.77?36,736,249.69?10,784,910.43?3.13%?2015?6?：?6?6?。?6?6?%?【?%?%?【?【?%?【?52,662,769.50 3.44%50,911,519.50-17.56%?-100.00%501,200.00-84.90%0.98%?【?2,345,858.33 15.32%4.45%2,034,300.00 18.43%4.00%?3,009,921.34-1.28%5.72%3,048,808.06-12.47%5
6、.99%?6,239,576.13 40.14%11.85%4,452,476.62-42.86%8.75%?-3,456,802.60-166.51%-6.56%5,197,717.42 451.17%10.21%?1,204,357.44-2.39%2.29%1,233,843.09 2.45%2.42%?48,016,414.97 24.65%91.18%38,520,077.38-17.62%75.66%?【?617,533.95 55.25%1.17%397,766.68-93.66%0.78%?54,872.46-41.09%0.10%93,153.97 48.18%0.18%?1
7、1,842,826.77 21.90%22.49%9,714,828.80-26.40%19.08%?36,736,249.69 26.20%69.76%29,109,861.29-26.81%57.18%?2015?2016-012?13?78?-?501,200.00?1,787,099.51?8,654,520.02?【?219,767.27?45?38,281.51?2,127,997.97?【?7,626,388.40?【?【?【?【?【?6?6?【?【?6?6?【?52,662,769.50-50,911,519.50 501,200.00?【?2,345,858.33 1,204
8、,357.44 2,034,300.00 1,233,843.09?55,008,627.83 1,204,357.44 52,945,819.50 1,735,043.09?/?【?【?【?【?%?【?【?【?【?%?52,662,769.50 100.00%50,911,519.50 100.00%【?【?【?(?(?2015?2016-012?14?78?-5,070,687.00 57,476,355.55?-?12,376,000.00-47,060,200.00?62,547,042.55?59,436,200.00?)?)?【?【?【?【?1?1,963,660.00 3.75%
9、?2?1,929,256.73 3.68%?3?1,789,050.80 3.42%?4?1,141,512.00 2.18%?5?880,000.00 1.68%?7,703,479.53 14.71%-?2015?2016-012?15?78?【?(?%?%?38,582,289.16 23.36%9.56%31,276,976.16 49.93%8.84%0.72%?335,584,121.30 16.15%83.11%288,923,814.78-10.06%81.70%1.41%?【?1,786,357.13-59.34%0.44%4,393,843.04 75.90%1.24%-0
10、.80%?【?165,552.75-16.71%0.04%198,759.20 479.92%0.06%-0.02%?22,606,511.62-5.06%5.60%23,810,869.06-4.81%6.73%-1.13%?143,797.10-19.11%0.04%177,776.26-18.22%0.05%-0.01%?1,355,319.76 4.36%0.34%1,298,744.13 100.00%0.37%-0.03%?883,609.81 293.39%0.22%224,617.01-63.84%0.06%0.16%?403,763,282.15 14.18%353,620,
11、115.96-5.29%?【?2,607,485.91?【?658,992.8?(?(?6?6?2015?2016-012?16?78?2015?6?6?：?2?3 6?2?3?：?2?3?；?；?：?6?6?【?6?）?6?【?2015?9?6?6?1.?2.?：?：?6?3.?；?6?2?3?6?2?3?2?3?2?3?2015?2016-012?17?78?1.?：?6?6?6?6?”?6?【?6?6?6?2.?【?【?2013?【?60,180,415.90?39,772,155.26?2014?【?52,452,922.57?29,109,861.29?2015?【?55,013,4
12、67.28?36,736,249.69?3.?6?9?6?【?6?6?6?6?6?；?6?6?6?6?0.00 0.00 4?0.00 0.00 5?647,200.00 647,200.00?647,200.00 647,200.00?-0.00-?1.?6?6?6?6?2.?6?6?9?1?9?9?2015?2016-012?21?78?6?6?9?2?/?6?6?：?3?/?：?4?6?4.?6?6?6?6?1?：?：?2?6?6?6?，?3?6?6?6?；?6?4?6?6?；?6?5?2015?2016-012?22?78?6?7?36?【?12?【?8?，?6?6?2015?2016
13、-012?23?78?%?%?250,700,000 83.57%7,362,500 258,062,500 83.25%?6?-?6?6?15,000,000 5.00%-2,637,500 9,362,500 3.02%?-?49,300,000 16.43%2,637,500 51,937,500 16.75%?6?-?6?6?49,300,000 16.43%2,637,500 51,937,500 16.75%?-?300,000,000-10,000,000 310,000,000-?35?%?1?“90,000,000 10,000,000 100,000,000?32.26%-
14、100,000,000 2?-34,990,000 34,990,000 11.29%-34,990,000 3?30,000,000-30,000,000 9.68%22,500,000 7,500,000 4?30,000,000-30,000,000 9.68%-30,000,000 5?30,000,000-7,500,000 22,500,000 7.26%22,500,000-6?15,000,000-15,000,000 4.84%-15,000,000 7?15,000,000-15,000,000 4.84%-15,000,000?2015?2016-012?24?78?8?
15、7,500,000-7,500,000 2.42%-7,500,000 9?-7,500,000 7,500,000 2.42%-7,500,000 10?-4,950,000 4,950,000 1.60%3,712,500 1,237,500?217,500,000 49,940,000 267,440,000 86.29%48,712,500 218,727,500?%?%?“?%?2015-11-23-1.5 10000000 15000000-?2015?12?11?10,000,000?1.5?2015?12?22?6?6?6?6?6?66?6?66?r?2015?2016-012
16、?26?78?2015?10?10?10?-2014?10?10?10?2015?2016-012?27?78?CZ?54?2014?10?31?-2017?10?30?42?2014?10?31?-2017?10?30?57?2014?10?31?-2017?10?30?44?2014?10?31?-2017?10?30?6?53?2014?10?31?-2017?10?30?59?2014?10?31?-2017?10?30?49?2014?10?31?-2017?10?30?30?2015?1?20?-2017?10?30?45?2014?10?31?-2017?10?30?41?201
17、4?10?31?-2017?10?30?35?2014?10?31?-2017?10?30?5?3?4?6?6?6?6?6?6?%?2015?2016-012?28?78?0 4,950,000 4,950,000 1.60%4,950,000?6?1,500,000-375,000 1,125,000 0.36%1,125,000?30,000,000-30,000,000 9.68%30,000,000?30,000,000-7,500,000 22,500,000 7.26%22,500,000?2,800,000-75,000 2,725,000 0.88%2,725,000?64,3
18、00,000-3,000,000 61,300,000 19.77%61,300,000?66?6?6?6?6?-?1986?1?12?2009?1?Zd?1 1?5 5?3 3?2 2?2 2?2015?2016-012?29?78?2 2?15 15?6?6?6?6?-?-?5 5?6 6?4 4?15 15?6?6?6?6?6?-?“?2015?2016-012?30?78?6?6?）?L?6?,?9 6?9 6?9 6?9?6?6?6?9?9 6?9 6?9?9?9 6?9?6?6?9 6?9 6?9 6?9?：?(6?9?9 6?9 6?9?6?2015?2016-012?31?78
19、?6?6?)6?】?42015?1?20?】?9?2?3?】?2?3?52015?8?19?】.?9?96?96?(?11?9?6?6?9?6?3 162015?1?20?】?9?】?262014?1?2014?96?2014?2015?96?2013-2014?9?2?9?3?9?4?96?、?2015?2016-012?32?78?96?9?5?9?6?96?96?9?7?2014?9?8?6?2015?6?9?362015?96?96?、?96?】?9?4?】?9?】?1?2014?9?2014?96?2014?2015?96?2013-2014?9?2?9?3?9?4?96?、?201
20、5?2016-012?33?78?96?9?5?9?6?96?96?9?7?2014?9?8?6?2015?6?9?2015?9?1?96?96?、?96?】?9?3?2014?96?2014?2015?96?2013-2014?9?9?2015?9?6?6?6?6?6?6?6?6?6、?6?6?；?6?】?】?6?2015?2016-012?34?78?9?9 6?9?9?N?1.?6?6?6?6?9?2.?2015?2015?6?6?6?3.?4.?6?：?2015?2016-012?35?78?5.?6?6?9?：?6?6?6?6；?；?：?：?1.?：?2.?；?6?6?6?3.?6?
21、9 6?6?6?；?6?6?4.?5.?6?6?：?6?1.?2015?2016-012?36?78?；?2.?6?3.?6?6?6?6?6?9?2015?2016-012?37?78?a?o?128?7?2016-03-07?6?2?%?(?%?6?6?6?6?6?6?2015?2016-012?38?78?6?6?6?%?(?%?0?2015?2016-012?39?78?o?1 38,582,289.16 31,276,976.16?【?2 1,786,357.13 4,393,843.04?3 335,584,121.30 288,923,814.78?4 22,606,511.62
22、23,810,869.06?5 143,797.10 177,776.26?6 1,355,319.76 1,298,744.13?7 3,704,886.08 3,738,092.53?403,763,282.15 353,620,115.96?8 448,848.37 366,086.36?9 11,893,937.30 13,912,547.28?10 1,348,931.48 806,167.01?13,691,717.15 15,084,800.65?(?)?【?(?)?11 310,000,000.00 300,000,000.00?2015?2016-012?40?78?12 4
23、,800,000.00?【?13 25,827,935.02 22,154,310.05?14 14,215,155.07 14,107,380.07?15 35,228,474.91 2,273,625.19?390,071,565.00 338,535,315.31?403,763,282.15 353,620,115.96?6?【?55,013,467.28 52,452,922.57?【?1 52,662,769.50 50,410,319.50?【?52,662,769.50 50,911,519.50?501,200.00?【?2 4,839.45 8,303.07?【?12,41
24、1.85?13,472.13?7,572.40 5,169.06?【?“-”?:?【?【?“-”?【?“-”?【?3 2,345,858.33 2,034,300.00?6?6,997,052.31 13,932,845.19?4 3,009,921.34 3,048,808.06?5 6,239,576.13 4,452,476.62?6-3,456,802.60 5,197,717.42?7 1,204,357.44 1,233,843.09?6?“-”?48,016,414.97 38,520,077.38?【?8 617,533.95 397,766.68?9 54,872.46?93
25、,153.97?6?“-”?48,579,076.46?38,824,690.09?10 11,842,826.77 9,714,828.80?6?“-”?36,736,249.69 29,109,861.29?6?【?：?【?2015?2016-012?41?78?1.?2.?：?【?【?1.?【?2.?3.?4.?5.?6.?6?【?36,736,249.69 29,109,861.29?6?27,115,473.98【?6?53,815,488.62 49,029,093.90【?23,833.95 【?1 3,574,270.97 2,139,200.00?57,413,593.54
26、78,283,767.88?41,737,067.00?6?2,602,235.52?2,649,004.55?14,994,214.29 16,331,560.66?2 3,150,763.73 1,826,847.12?62,484,280.54 20,807,412.33?-5,070,687.00 57,476,355.55?6?【?【?【?【?6?【?【?【?6?2015?2016-012?42?78?6?【?【?15,000,000.00?【?20,000,000.00?【?【?15,000,000.00 20,000,000.00?20,000,000.00?6?2,624,00
27、0.00 47,060,200.00?2,624,000.00 67,060,200.00?12,376,000.00?-47,060,200.00?6?6?7,305,313.00 10,416,155.55?31,276,976.16 20,860,820.61?6?38,582,289.16 31,276,976.16?2015?2016-012?43?78?300,000,000.00-22,154,310.05 14,107,380.07 2,273,625.19-338,535,315.31?-?-?-?-?300,000,000.00-22,154,310.05 14,107,3
28、80.07 2,273,625.19-338,535,315.31?“?”?10,000,000.00 4,800,000.00-3,673,624.97 107,775.00 32,954,849.72-51,536,249.69?-36,736,249.69-36,736,249.69?10,000,000.00 4,800,000.00-14,800,000.00 1?10,000,000.00 4,800,000.00-14,800,000.00 2?-3?-4?-?2015?2016-012?44?78?-3,673,624.97 107,775.00 3,781,399.97-1?
29、-3,673,624.97-3,673,624.97-2?-107,775.00-107,775.00-3?-4?-?-1?-2?-3?-4?-?-1?-2?-?-?310,000,000.00 4,800,000.00-25,827,935.02 14,215,155.07 35,228,474.91-390,071,565.00?300,000,000.00-19,243,323.92 14,028,705.07 6,153,425.03-339,425,454.02?2015?2016-012?45?78?-?-?-?-?300,000,000.00-19,243,323.92 14,0
30、28,705.07 6,153,425.03-339,425,454.02?“?”?-2,910,986.13 78,675.00-3,879,799.84-890,138.71?-29,109,861.29-29,109,861.29?-1?-2?-3?-4?-?-2,910,986.13 78,675.00-32,989,661.13-30,000,000.00 1?-2,910,986.13-2,910,986.13-2?-78,675.00-78,675.00-3?-30,000,000.00-30,000,000.00 4?-?-1?-2?-3?-4?-?2015?2016-012?
31、46?78?-1?-2?-?-?300,000,000.00-22,154,310.05 14,107,380.07 2,273,625.19-338,535,315.31?2015?2016-012?47?78?(?2008?38?)?2008?12?16?330100000069412?31,000.00?31,000?(?1?)?2015?8?11?（?（?2016?3?7?(?)?(?)?12?(?)?(?)?1?1?12?31?(?)?2015?2016-012?48?78?(?)?）?（?(?)?1.?2.?.?.?(1)?.(2)?(1)?.(2)?.(3)?1)?13?.2)?
32、14?2015?2016-012?49?78?（?.?3.?(1)?.(2)?.(3)?(?)?1.?2.?(1)?1.?2.?(?)?(%)?(%)?20 5.00 4.75?3-5 5.00 19.00-31.67?10 5.00 9.50?4 5.00 23.75(?)?1.?2015?2016-012?50?78?2.?3.?(?)?(?)?1.?2.?3.?(1)?(2)?1)?.2)?.3)?2015?2016-012?51?78?4.?(1)?.(2)?5.?.?(?)?1.?2.?，?(?)?1.?(?)?(?)?2015?2016-012?52?78?2.?3.?(?)?1.
33、?2.?.?.?(?)?1.?2.?3.?2015?2016-012?53?78?4.?(1)?.?.(2)?(?)?(?)?（?1.?2008?185?（?（?2012?20?“?（?（?（?（?（?（?（?（?（?（?（?（?1.5%”?（?（?（?（?=?（?（?1.5%+?（?（?3%+?（?（?30%+?（?（?60%+?（?（?100%?（?（?（?（?（?（?（?（?（?（?（?（?（?（?2.?（?（?（?（?(?1)?（?2015?2016-012?54?78?.?（?.?（?（?（?(1)?(?2008?126?)?（?(?2001?416?)?（?（?(%)?1.50?3
34、.00?30.00?60.00?100.00(2)?1)?100.00?2)?2015?2016-012?55?78?（?(%)1?1.50 1-2?3.00 2-3?30.00 3-4?60.00 4?100.00 3)?（?(3)?2.?（?（?（?5%?30%?1.2%?.?12%?1.2%?12%?2015?2016-012?56?78?7%?3%?2%?25%?(?)?1.?1,798.46 14,548.26?38,580,490.70 31,262,427.90?38,582,289.16 31,276,976.16 2.?1,786,357.13 4,393,843.04?1,
35、786,357.13 4,393,843.04 3.?(1)?251,887,270.00 188,212,767.00?92,492,140.43 114,429,576.43?344,379,410.43 302,642,343.43?8,795,289.13 13,718,528.65?8,795,289.13 13,718,528.65?335,584,121.30 288,923,814.78(2)?2015?2016-012?57?78?303,401,640.43 217,297,006.43?40,520,000.00 84,883,936.00?422,770.00 426,
36、401.00?35,000.00 35,000.00?344,379,410.43 302,642,343.43?8,795,289.13 13,718,528.65?8,795,289.13 13,718,528.65?335,584,121.30 288,923,814.78(3)?294,864,500.00 205,812,767.00?26,200,000.00 28,400,000.00?21,592,140.43 60,829,576.43?1,722,770.00 7,600,000.00?344,379,410.43 302,642,343.43?8,795,289.13 1
37、3,718,528.65?8,795,289.13 13,718,528.65?335,584,121.30 288,923,814.78(4)?1?90?(?90?90?360?(?360?360?3?(?3?)?3?1,000,000.00 638,000.00 1,638,000.00?422,770.00 422,770.00?1,000,000.00 1,060,770.00 2,060,770.00?1?90?(?90?)?90?360?(?360?)?360?3?(?3?)?3?10,000,000.00 626,366.00 10,626,366.00?2015?2016-01
38、2?58?78?1,900,000.00 300,000.00 2,200,000.00?426,401.00 426,401.00?10,000,000.00 2,952,767.00 300,000.00 13,252,767.00(5)?(%)?(%)?344,379,410.43 100.00 8,795,289.13 2.55 335,584,121.30?304,990,000.00 88.56 4,574,850.00 1.50 300,415,150.00?28,604,500.00 8.31 858,135.00 3.00 27,746,365.00?10,362,140.4
39、3 3.01 3,108,642.13 30.00 7,253,498.30?422,770.00 0.12 253,662.00 60.00 169,108.00?344,379,410.43 100.00 8,795,289.13 2.55 335,584,121.30?(%)?(%)?302,642,343.43 100.00 13,718,528.65 4.53 288,923,814.78?265,593,936.00 87.76 3,983,909.04 1.50 261,610,026.96?16,695,640.43 5.52 500,869.21 3.00 16,194,77
40、1.22?9,926,366.00 3.28 2,977,909.80 30.00 6,948,456.20?10,426,401.00 3.44 6,255,840.60 60.00 4,170,560.40?302,642,343.43 100.00 13,718,528.65 4.53 288,923,814.78(6)?13,718,528.65 13,718,528.65 8,523,552.13 8,523,552.13?-3,456,060.88-3,456,060.88 5,194,976.52 5,194,976.52?1,467,178.64 1,467,178.64?20
41、15?2016-012?59?78?8,795,289.13 8,795,289.13 13,718,528.65 13,718,528.65 4.?26,812,950.00 26,812,950.00?26,812,950.00 26,812,950.00?3,002,080.94 3,002,080.94?1,204,357.44 1,204,357.44 1)?1,204,357.44 1,204,357.44?4,206,438.38 4,206,438.38?22,606,511.62 22,606,511.62?23,810,869.06 23,810,869.06 5.?232
42、,946.00 215,000.00 353,758.00 801,704.00?232,946.00 215,000.00 353,758.00 801,704.00?220,926.58 204,250.00 198,751.16 623,927.74?372.16 33,607.00 33,979.16?372.16 33,607.00 33,979.16?221,298.74 204,250.00 232,358.16 657,906.90?11,647.26 10,750.00 121,399.84 143,797.10?2015?2016-012?60?78?12,019.42 1
43、0,750.00 155,006.84 177,776.26 6.?5,421,279.02 1,355,319.76 5,194,976.52 1,298,744.13?5,421,279.02 1,355,319.76 5,194,976.52 1,298,744.13 7.?(1)?165,552.75 198,759.20?3,000,000.00 3,000,000.00?539,333.33 539,333.33?3,704,886.08 3,738,092.53(2)?1)?(%)?(%)?（?168,073.86 100.00 2,521.11 1.50 165,552.75?
44、168,073.86 100.00 2,521.11 1.50 165,552.75(?)?2015?2016-012?61?78?(%)?(%)?（?202,022.03 100.00 3,262.83 1.62 198,759.20?202,022.03 100.00 3,262.83 1.62 198,759.20?(%)1?168,073.86 2,521.11 1.50?168,073.86 2,521.11 1.50 2)?-741.72?3)?116,109.00 193,425.00?51,964.86 8,597.03?168,073.86 202,022.03 4)?5?(
45、%)?116,109.00 1?69.08 1,741.64?。?34,850.75 1?20.74 522.76?17,114.11 1?10.18 256.71?168,073.86 100.00 2,521.11(3)?1)?3,000,000.00 3,000,000.00?3,000,000.00 3,000,000.00 2)?2015?2016-012?62?78?(4)?539,333.33 539,333.33?539,333.33 539,333.33 8.?(1)?355,968.20 2,516,132.53 2,435,370.28 436,730.45?10,118
46、.16 168,835.00 166,835.24 12,117.92?366,086.36 2,684,967.53 2,602,205.52 448,848.37(2)?348,956.00 2,051,660.00 1,971,599.00 429,017.00?204,332.00 204,332.00?（?5,006.74 84,305.53 83,632.00 5,680.27?（?3,833.31 63,662.58 62,951.67 4,544.22?（?983.71 14,547.10 14,621.97 908.84?（?189.72 6,095.85 6,058.36
47、227.21?160,520.00 160,520.00?2,005.46 15,315.00 15,287.28 2,033.18?355,968.20 2,516,132.53 2,435,370.28 436,730.45(3)?（8,853.39 152,648.65 150,898.86 10,603.18?（?1,264.77 16,186.35 15,936.38 1,514.74?2015?2016-012?63?78?10,118.16 168,835.00 166,835.24 12,117.92 9.?771,590.80 949,529.96?10,976,141.12
48、 10,408,604.57?2,366,030.00?54,011.36 66,467.10?14,657.80 20,939.74?13,632.90 13,632.30?23,147.72 28,485.89?15,431.82 18,990.59。?15,790.60 18,928.67?7,500.00 18,933.00?2,033.18 2,005.46?11,893,937.30 13,912,547.28 10.?(1)?465,321.67 323,550.00?258,000.00?883,609.81 224,617.01?1,348,931.48 806,167.01
49、(2)?465,321.67 323,550.00?465,321.67 323,550.00(3)?2015?2016-012?64?78?258,000.00?258,000.00(4)?486,660.00 11,960.00?196,949.81 212,657.01?200,000.00?883,609.81 224,617.01 11.?(1)?“”?300,000,000.00 10,000,000.00 10,000,000.00 310,000,000.00(2)?2015?1,000?1?1.5?1,000.00?-?500.00?2015?12?23?(?2015?549?)?12.?(1)?4,800,000.00 4,800,000.00?4,800,000.00 4,800,000.00(2)?2015?2016-012?65?78?500.00?20.00?480.00?13.?(1)?22,154,310.05 3,673,624.97 25,827,935.02?22,154,310.05 3,673,624.97 25,827,935.02(2)?10%?14.?（?(1)?（?14,107,380.07 107,775.00 14,215,155.07?14,107,380.07 107,775.00 14,215,155.07(2)?（?（