2016-04-21 14:58
Line under the financial company has been a pyramid scheme development trend
[direct reporting network Beijing April 21st news] (Sina Finance) recently, the line of financial companies frequently accident. In the Jin assets, easy to dry wealth, financial assets and other lines under the appropriate financial companies have problems, involving a huge capital, a large number of participants. Through the study of the line under the Mammon Inc, we found that the line behind the financial companies showing a "pyramid scheme" of the development trend.
One, pyramid schemes and the line under the financial company's marketing"
According to the State Council announced the "Regulations on Prohibition of pyramid selling", MLM is refers to the organizers or operators of the development of staff, by the development staff with its direct or indirect development personnel quantity or sales performance as the basis calculation and payment, or requirements development staff to pay a fee for the condition to acquire the qualification for joining method seek illegal interests, disrupting the economic order, affecting social stability behavior.
Compared to the traditional product marketing, more diverse financial pyramid schemes, illegal group which is often the name of the virtual currency transactions, mutual financial, banking, public raise under the guise of marketing, and, for example, has repeatedly been named in the media of the MMM financial cooperation platform. Financial pyramid schemes through the complex capital operation, blinded by investors, so that the nature of its marketing is not easy to be perceived. But no matter how the way of marketing to keep pace with the times, identify the MLM method status quo not from the Pope, pay the entry fee, development of offline and through direct or indirect development off the assembly line to get paid.
Through the analysis of the line under the financial company, found that its staff recruitment and pull off the line gradually close to the MLM model. Most of the line under the financial management of the company's employees in order to complete the financial task, pull the family, friends and relatives to buy financial products into the Bureau, and the line under the financial companies in the recruitment of staff often use this as a guide.
Two, the line under the financial company marketing characteristics
By comparing the operation mode of the financial companies and the marketing operation mode, we can find that they have many similarities in the company hierarchy, the composition of staff performance, the way of packing and so on.
1, grade system
Staff level. In the problem line under the financial company, the majority of the company's employees have a rating system, the level of the main business performance and the amount of staff to consider the following two aspects. According to the internal data of the wealth of Yi Gan, it can be found that the company's internal rating is very cumbersome. Staff in accordance with the level from low to high, mainly contains the financial manager Gang, the team long post, director of financial management, director of the agency responsible for the city and the general manager of the city five. Each position on the performance requirements of different employees, the opponent has a number of marketing teams are all different, to meet the corresponding requirements, the staff will be upgraded.
Team level. Most of the line under the financial company, the promotion of staff usually from two aspects of the assessment: first, the performance of the individual and the team of employees; two is the number of employees in the team's staff. Team level building is an important part of the process of marketing. Usually one of the most basic teams consists of a manager and a fixed number of employees. After the number of employees to reach the limit of the team, it will fission out of a new larger team, each team consists of several small teams have a system can be. In different regions, the development of the team can still take the "fission" mode. For example greatly group had taken a group, the provincial, city (District), the company branch and branch "fission", finally in the development of the 23 province companies, four municipalities directly under the central government, company, 229 city company, 374 branch, 717 branch.
2, employee performance
Performance structure. The salary of the staff of the financial company is composed of individual performance and team performance. Individual performance, from the basic salary and position commission. In the exposure of several problems in the line under the Mammon Inc, the basic wage gap between employees, in the 3000 to 10000 yuan. Position Commission is the main part of the staff salary, can be roughly divided into individual performance and the performance of the Commission to recommend staff performance. According to the level of employees and recommended staff level, the Commission will be calculated in accordance with the provisions of the proportion. For example, Jin Department employees, 1 million for the following 0, 1 million for 1, 3 million for the 2, 5 million for the 3, the general level 3 for the team manager, there are 4 department managers and 5 big boss.
It is noteworthy that, in the team, employees in the entry, in addition to see their direct leadership, rarely seen cross level other leadership. At the same time, in order to maintain the stability of the team, the performance of the staff also includes team Commission, this part of the salary is calculated in accordance with the overall performance of the team. Looking at the performance of these lines under the financial institutions, which is the development of the assembly line and in accordance with the number of personnel or sales performance as the basis for the calculation and payment of remuneration model, almost exactly the same.
Staff to buy financial products. Gaps between the recent accident several lines of financial company, employee education background and work experience, these companies to positive staff requirements often only a, is to meet the performance requirements. Employees often take positive purchase company financial products the way. Immediately after that, in the process of continuously improve the level of, employees in order to achieve the required level of performance, began to relatives and friends dragged into the company, become part of the employee or the purchase of financial products. According to media reports, the number of financial products to buy financial products, the amount of the problem line between million to one million. Finally, when the company is about to break the funds, some companies have to force employees to buy products, or they will be fired immediately. For example, e rental treasure and large groups are in the case of a shortage of funds in the company forced employees to buy financial products, claiming to be together to tide over the difficulties". This requires employees to buy the company's financial products and marketing model to pay the entry fee model is similar.
3, packaging
In the face of considerable income, the first time to understand the financial products of these customers will be confused, worried about the project compliance and funding security issues. Similar to MLM, this kind of line financial companies will to clients, "brainwashing", forced the compliance of doubt, benefit to guarantee the financial products packaging into low risk and high return products. And, the company more to take strong pull multi endorsement of the way.
Project compliance. Line under the financial management company is mainly to provide financial advisory services to customers, the other agencies to sell products. Analysis of the recent accident several lines under the Mammon Inc can be found, in the type of financial products, the line of financial institutions to sell the products mostly for the transfer of products and private equity products. In the creditor's rights transfer products, the sponsor and the project side tend to be related parties, can not be transferred risk. In the private equity products, investors who buy these products, the vast majority of does not conform to the Commission on private equity fund "qualified investors" requirements, the private equity products suspected of private equity split, and most private product is not registered for the record, the compliance of the project can not be guaranteed. In funds to invest, and most of the products will be funds to invest in the line of financial company belongs to the group of affiliated companies, project real doubts.
External endorsement". Most of the line of financial companies prefer downtown area, through the purchase or lease of the entire floor and even the whole building as the company's office space, and with the luxury decoration, in order to show the strength of the company's financial strength. At the same time, the company will take to invite celebrities and the financial sector for the company's famous platform for the company to sponsor television programs, buy aircraft, crazy shop advertising and other ways to increase the company's visibility, create a false impression of money. Some line under the financial company owned by the group, very keen on capital operation, with the shares and holding listing Corporation to improve their visibility. For example, e rent treasure and Jin respectively belong to Yu Cheng international and country too holdings took "penny stock" investment enterprises in Hong Kong to display company called "strong".
Three, the line under the financial company "pyramid scheme" development of the existence of the harm
Development of the line under the financial company's marketing of the company staff, other investors and the community has brought great harm, can be summarized as the following three points.
First, exhausted, and lost two.
Marketing to employees of psychological damage and property damage. "Pyramid selling" of the line under the line of financial management companies gathered through the store staff, a change to the traditional pyramid schemes loose situation, become more disciplined, organized. Employees in financial company under the "pyramid" line, interests abducted, brainwashed by the continuous and a head full of dreams to become rich, it can be said is "obsessed". Under the temptation of high wages, many employees not only to catch their entire net worth, but also to pull the family, relatives and friends to the flow of funds, real estate, the first payment and the coffin etc. into these so-called line financial companies, and even the staff at other institutions to borrow to invest in the company financial products to earn post.
When the "marketing" of the line after the collapse of the financial company, the staff not only to face the loss of money, but also to face the family conflicts caused by loss of property, divorce and cut off the relationship occurred from time to time. At the same time, the other people's money into the marketing of financial products, the staff's family and friendship will be a lot of damage. Original relations are very good friends and family may become strangers, some employees will also face the relatives and friends of the accused and dun.
Second, involving a wide range, multi involvement.
Accident of the "pyramid selling" line of financial institutions, usually involving a large number of funds, the number of participants. As shown in Table 1, some of the recent problems of the line under the line of financial companies, involving a small number of funds, more than ten billion. Because the company set the fission rule requires a large number of people to join, the number of financial companies involved in the problem line is mostly in more than ten thousand people, and in some areas there are a lot of offline stores. The collapse of these lines of financial companies, not only to make a large number of investors suffered large losses, but also on the financial system and regional social stability, a serious negative impact.
In addition, the closure of the line of financial companies, to finance and lending market has brought a great negative effect. Some of the normal operation of the platform because of the financial collapse of the company, no involvements. Among them, P2P net loan platform to become the most miserable back pot". Part of the media and the individual error the line of financial company return for P2P network lending platform and reported wantonly, resulting in damage to the P2P network credit reputation, some people talk about P2P net loan discoloration.
Third, rights difficult, time-consuming.
When the "pyramid selling" line after the collapse of financial institutions, rights will be a long process. Thunder after the emotional part of investors, will take containment company, assault staff and other excesses. In fact, investors are the most effective way to preserve the rights of the relevant evidence and report, so that the public security organs involved in the investigation, to help investors recover losses. But because this kind of line financial company case involves a large amount, number of people, even if the public security organs rapidly may also be time-consuming for many years, the victim investors there is therefore a need to consume a lot of energy to gather evidence, report and wait for the solvency of unknown.
summary
Admittedly, the problems of line financial company currently is not strict sense of marketing, but many lines of wealth, has begun to have to the trend of the development of marketing, at the employee level, team level, upgrade requirements, performance, employee to buy their own products, strong pull external institutions and individuals for company endorsement has MLM characteristics. This line of financial companies to bring great harm, employees and other investors will face the loss of assets and emotions, the community may face a negative impact on the financial system and regional social stability. Therefore, this trend has to pay attention to the multi. Investors should be rational in the face of product returns, not blind pursuit of high returns without taking into account the product risk and compliance issues; government agencies should also strengthen supervision, the line financial company "pyramid" trend strangled in the cradle. 3
(original title: Line financial companies have been "marketing" development trend)
Editor: Xiao Shen
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