2016-07-18 15:50
Chen Liang: capital needs a disc MLM purges
 [straight news network Beijing on July 18 hearing] (Contemporary direct marketing) recently a list circulated on the Internet, that is 350 funds disc MLM list full exposure, he can not help make one's hair, I believe that this time doing funds disk mates will tremble with fear, his mouth daily if suspended sales of the company in which it?
Indeed, all kinds of funds plate marketing under the banner of "virtual currency", "digital encryption money," financial assistance "," financial network "," play money "and" mining machine "," all the chips "," equity "," electronic commerce "and" micro mall "," XX science and technology "in the name of the funds disk and network marketing to overrun the current, seriously disrupting the normal living, such MLM organization routine is short-term inner money off the network running, we need must be vigilant.
But the problem still needs to be treated. Only from the funding organization up serious clean-up, to prevent Internet financial excesses, may be able to fundamentally eliminate the funds disc "tigers." We can see that the financial disk is a distorted form of Internet banking is a serious distortion, the recent internet financial countries are also in the speed regulation. The distinction between direct, Internet banking disc has a mandatory insurance investment restraint mechanism, the electronic version of the insurance contract signed, even if the investment projects fail, principal of individual investors can 100 percent redemption, namely for individual investors bear all the risk; and fund disk is no risk reserve, not for individual investors to bear any risk, the boss of unprofitable immediately off the network, in essence, is a pyramid scheme fraud. But they also have something in common, which is the capital of illegal fund-raising and fraud.
It can be said that the pull many domestic Internet banking and financial plate on the gallows is illegal Xichu and fund-raising fraud problems, exposed behind this is, Internet banking and financial plate both of them exist very prominent and widespread business capital pool and duration and scale mismatch risks. With the Internet financial operation is exactly the same, even too much degree.
Illegal Xichu and fraud, are becoming Internet financial and capital around not open his wand. Cutoff in May this year, is acceptable for normal operation of the network lending platform for 2431, relatively a month fell 30, was exposed to the platform has reached the 1630, accumulative total to be the amount of 7.281 billion yuan. As we all know, P2P and other Internet banking since the rise of 2014 so far, it is about a year or so, and this year, the precipitation and accumulation, but enough to make people alert and reflection. Illegal Xichu and capital pool, and is actually the connotation of the concept of Internet banking is not consistent. Frankly said, as long as there is a pool of funds, maturity and size mismatch characteristics, you should not classified as Internet banking, so engaged in financial services companies, should be in accordance with the existing law classified management, "commercial bank law", "trust law" and so on can still find the applicable scope, that can ensure that the investor's lawful rights and interests. But it's not going to go wrong.
Capital disk without hematopoietic function, rob Peter to pay Paul membership, with the money to pay for membership of the front disc information network. Once there is no injected fresh blood, create money out of disk boss unprofitable, immediately off the net, Juankuan money; or by the public security, industry and commerce departments as network marketing or illegal fund-raising was investigated. The result is the entry may be back to the early or late entry will earn a little money, lose everything, both hurt money pulse and hurt people. If loans or loan sharks to investment, still not because of debt may lead to break up families, families; the shaft must be brought to justice, such as DiMeng international, 1040 project, Crystal Palace and Feibei international, ISO commerce and so on are too numerous to mention. So they are often labeled as "illegal pyramid schemes".
What is more, the money side of the disk has affected the normal development of the formal product disk. Because of better to make money fast is expected, sales and marketing personnel mostly switched past fund disk, in seemingly the aura of "proper name" hype "financial capital" of a "national", led directly to the products of the enterprise market performance and team stability, and products of raw materials has shrunk, tax credit investigation, suppliers such as running phenomenon emerge in endlessly, products enterprise scratching unbearable. According to a survey, today's products enterprises without receives funds disc of illegal pyramid selling, and often talked about the matter is hateful.
Objectively speaking, capital operation is a good thing, the use of market rules, through the capital itself, the skills of the operation of the capital's scientific movement, the value added, the growth of a business approach. But once this is some profit driven people use, they caught the psychology of people eager to get rich overnight, to the naked MLM put on a beautiful vest, a magnificent turn, it is easy to fall into the MLM trap. They often sets up "the government", "public security", "media", these originally and illegal pyramid schemes are at daggers drawn individual, one by one by MLM molecules take out to be used, it is easy to confuse people.
But cannot currently because of the emergence of many so-called Internet banking platform denied Internet banking in the emerging financial ecology, correctly guide the investors behavior, this is the trial and error mechanism of the healthy development of Internet banking. Funds because of the nature of a serious change in the nature of its highly hidden, deceptive and social harm behavior, often by the public security, industry and commerce departments as a network marketing or illegal fund-raising was investigated.
So that the current promote the healthy development of Internet banking and to effectively manage funds disc MLM problem, need a make a thoroughgoing change bringing order out of chaos and purges in the field. This need by many financial services company crowdsourcing cooperation, correct the course of Internet banking; also need through all the money people and products of the enterprise self-regulation to boost, the fund disk body disappeared, no longer a pool of funds, maturity mismatches and other business. Or that sentence, the market has the risk, the investment must be cautious"! (Department camp news media contemporary direct media center, editor in chief, the Chinese Direct Selling Research Institute, China's direct selling industry overall image promotion council for the promotion of director)]
(original title: MLM funds need a disk purges)
Editor: Xiao Shen
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