2017-04-10 15:57

 

The investment variable straw: ＂money＂ should be all like a rat scampering in the street

 

[news] direct reporting network Beijing on April 7th March 2017, the national (Contemporary direct) into NPC and CPPCC time, from local to the national level, on behalf of the members of the national development plan and have to speak. CPPCC National Committee, general manager of China Post Group, party secretary, chairman of the China postal savings bank, party secretary Li Guohua proposed on the increase in illegal fund-raising efforts to prevent the disposal of the proposal.
2015 the number of new cases of illegal fund-raising in the country nearly 6000 cases, involving nearly $250 billion, the number of people involved in raising more than 1 million 500 thousand people, an increase of 71%, respectively, an increase of 57%. 2016 first quarter, the number of illegal fund-raising filing up to 2300, the highest peak for the calendar year. Cases of illegal fund-raising, especially the funds plate situation is the most serious.
In 2016, it is a capital disc rampant years, from the beginning of the E event at the end of the year the Yanjiao rent treasure case, YouBiKa MLM scam, large and small, all kinds of funds of the disk to do the Internet, emerge in an endless stream, financial investment, charity etc. they want to earn quick money people are playing on it the capital of the game. Through the history of the development of research funds set, we can see that its essence is a Ponzi scheme under the capital of the game, even if there is a gorgeous packaging, still conceal the fundamental nature of its harm to others. For the capital disc great hazard to China's political and economic stability, should be treated like everyone shouting rat scampering in the street.
Fantasy flourishes: "crime" and "punishment" under Ponzi scheme"
Beginning in 2015, to 2016, the funds in the society Sisi large disc abuse, and many people go bankrupt at the same time, also caused huge losses to the national economy. At the end of 2016, by the digital disc direct people to the capital from "contemporary marketing" magazine, hope by telling their stories, revealing the true face of disc funds, to avoid more people hurt.
Li Li (a pseudonym) is one of the representatives of the victims of the financial fund in Guangzhou. "At that time with a fluke, want to gamble. I put a few million people in a team, began to make money, finally lost. Now regret, did not do the product". So, Lee's mouth in the end of the funds is what?
It is reported that the "capital disc" refers to the original in order to attract social idle funds to build the capital circulation can make the appreciation of the investment project and the turnover of capital platform, with the development of the now more variation, become synonymous with "Ponzi scheme". The Ponzi scheme by speculators Charles Ponzi invention, is the name of the investment fraud in the financial sector, is the ancestor of the Pyramid scam. In short, the money is the use of new investors to invest in the money to pay interest and short-term returns to the old investors, in order to create the illusion of money to cheat more people's investment.
Now that is to "rob Peter to pay Paul" operation method, once there is no new entrants, will inevitably lead to the flow of funds, the collapse of fracture. In this regard, the fund is extremely serious sequelae. Why can attract so many people have direct investment funds disc? Was fooled, or knowingly mountain tiger, undeterred?
During the interview, the long-term concern about the phenomenon of the fund's first direct selling network CEO Zhao Jianzhong told reporters, to the money fast, flourishes is to attract direct investment funds a major incentive. "Money to the disk quickly, prompting some people to go to the top. On the direct selling industry, has been selling people advocating "dreams of wealth" and "financial freedom", and this is just the characteristics of disc and capital is extremely consistent, is that the fast money funds disc which does exist, then a number of "rich people" and "rich look flow of oil", so in these 'example' lure makes a large number of people have planted."
Famous straight enterprise Sansheng (China) Sun Pengbo, President of the center for market operations have been exposed to some funds. In an interview with reporters, Sun Pengbo said: "the packaging funds disc is particularly good, such as some in the virtual currency, national charity, the national strategy to support the project, gorgeous appearance let many people grassroots people, or business people can not discriminate between true and false." The previously mentioned "YouBiKa" is the so-called "virtual currency" is the "capital disc".
YouBiKa stamps, commemorative coins, called the phone card, often YouBiKa collections or asset value as lovers. In recent years, some local trading platform in the name of cultural innovation, to a multitude of names of youbiqia transactions as the subject, to promote high returns without risk, to attract investors. Liu Fei (a pseudonym) is Ji'nan YouBiKa a victim of fraud. Before the incident, she had just sold a suite, all the money invested YouBiKa investment. Want to get rich overnight, I did not expect to be locked up. More let Liu Fei feel angry and helpless, when looking for the other side of the staff said, you do not die with me!".
Like Liu Fei, Li Song (a pseudonym) is the victim of fraud youbika. "I just put my wife to spend, we meet the address and any of our personal information, you do not leak." Li Song said, many people fall into the YouBiKa scam to deceive the family, once exposed, the couple may have to divorce.
2016, the development of funds in the domestic disk into the outbreak stage, the real economy, such as the product disk erosion. Through the investigation of the reporter learned that, apart from the macroeconomic environment, driven by interests and lack of correct understanding of capital disk and other factors, as the direct selling licensed companies more and more direct, more and more refugees in order to completely turn over, "will lose money to earn back" mentality is a major factor in direct people continue to invest funds disk ". In addition, the development of Internet technology brings financial innovation, reduce the cost of fraud, leaving a lot of regulatory loopholes and speculative opportunities, but also to create conditions for the proliferation of funds.
In addition, want to start a business, but suffer from no channel is also another reason for the flood of funds. Sun Pengbo said: "in the interests of (entrepreneurs) don't know how to do it, or can not find the other way in the business of their own, without basic skills, but also do not do direct sales, business will not do, with funds can only, with luck to Bo small (large amount of investment to win a small, long BOGAO (income) through long-term investment in exchange for high interest returns)." Of course, although there are many reasons for the current flood of funds, but the core factor is that investors believe that the funds can be achieved quickly". Driven by the interests of investors after the investment funds disc motivation.
Although not yet to interview the relevant "master", "hand", but the reporter learned that the funds have disc development model with multi-level marketing characteristics, pull the head, charge entry fees, mainly for the previous generations to pay, matter of fact and illegal pyramid is with "virtual currency" and "financial mutual aid" and "derivative" and "charity" under the guise of a coat of Internet financial financial fraud, new type of network marketing, the criminal activities of illegal fund-raising. In addition, said China University of Political Science and Law Institute of network capital financial economic research center director Wu Changhai also said in an interview with the media, the so-called "virtual currency" has a significant feature, "the name of innovation under the guise of promised high returns, but it is MLM scam".
According to the present situation of spreading funds set, the CBRC, the Ministry of industry, the people's Bank, the State Administration for Industry and Commerce Chinese four ministries repeatedly issued a warning, "the mode of operation of violate the law of value, capital operation is difficult to maintain long-term, once the capital chain rupture, investors will face serious losses." At the same time, also need to be wary of private equity, investment shares, the development of channels, such as the name of financial pyramid schemes. In addition, due to the financial plate present funds involved hundreds of millions, billion yuan, and many people, endanger the society great harm to society long period of stability, economic development and stability, countries continue to strengthen the crackdown on capital gold plate. Ministry of Commerce, the State Administration for Industry and commerce, the Ministry of public security and other regulatory and law enforcement departments have to carry out the work, and continue to further promote the fight against Internet marketing, fund work. According to incomplete statistics, since 2016, the national public security organs to investigate billion yuan more than 30 cases, the case investigation of MLM crimes since 2826, an increase of 19.1%, and the investigation of more than 150 "virtual currency" pyramid selling crime cases, involving more than 60 "currencies", successfully cracked the "gold network integral" and "carat coins", "star coins", "the sale of treasure" and a number of major cases. According to xinhuanet.com news, March 1, 2017, the Supreme People's Procuratorate department director Chen Guoqing in the "visible justice" interviews revealed that in 2016, the public prosecution department received a total of cases of illegal fund-raising include "e rent treasure case, more than 9500 pieces. Among them, more than 8200 cases of illegal deposits from the public, fund-raising fraud more than 1200 pieces.
Capital game: gorgeous packaging can not cover the essence of harm
Han Fei (a pseudonym) is Li Song's fellow sufferers, Bika is another victim of fraud. "I look like a fool?" Han Fei to the reporter asked her, wearing a woolen coat, her hair neatly combed. He is obviously a workplace. But he caught YouBiKa, cheated about 400000. "Now, with an outsider's eye, I thought I was stupid." Aware of their deception, has come to the end of the year, when Han Fei has no money to invest. The other side directly to his QQ deleted, but also kicked him out of the group. Their investment of about 400000, thanks to only 70 thousand, but this is 70 thousand, also do not take out. Han Fei found the Internet YouBiKa see around frequently burst YouBiKa scam, just some desperate.
Han Fei told reporters, about two years ago, it was suddenly added his WeChat friends. "The man asked me if I was surnamed Han, I said yes, but the name was not what he said." The other said that I would like to add the students, the results add wrong. At that time, Han Fei could not think of, is this strange friend, take him step by step into the bureau.
"After half a year, we occasionally say a few words of no importance." But the other side often circle of friends, open luxury cars, dining in luxury restaurants, playing around, living a life of people who are envious of success. Slowly, Han Fei to its growing trust. Later, a chance, the other told Han Fei, oneself YouBiKa money, "teacher, only earn not to compensate." Temptation, August 2016, Han Fei at the recommendation of the WeChat friends, met a teacher's assistant and investment, in his "hand in hand" under the guidance of the remote submit identity cards, photos and other information, download the trading platform software.
Funds will generally be packaged into their own state allowed industry, traditional business owners may not know." Industry renowned system leader Zhang Yongchun said. In this regard, Zhao Jianzhong agrees, he believes that the public lack of understanding of the capital gold plate, the market lack of the education system. From the victim's point of view, the overall cultural level of the majority of people, the quality is low, the contact surface is relatively small, the channel is relatively simple to understand the information, so it is easy to be fooled, and finally deceived." YouBiKa case, Liu Fei, Li Song, Han Fei deceived reason, one of the reasons is the lack of understanding of the money until the money is stuck or disk, to search the Internet related cases did not know he cheated.
Gao Yong is another direct source of Health Science and Technology Group Co., Ltd., a strategic adviser, well aware of the dangers of the funds, and repeatedly called for a boycott of funds in public. "Domestic capital plate is rampant, from consumer rebates to mutual member to static dividends, they make up all kinds of wealth myth, or public appreciation, or resource monopoly, or government relations, or charity camouflage, or overseas packaging, or technological innovation, or innovation, it tends to get support from the government under the banner deceive people, use the the information asymmetry in the flood, more malefactors fueled, knowingly illegal but selfish involved. The formation of local atmosphere on the stage show off panic buying, entice more people to participate." In Gao Yong's view, the United States and Canada fly WeChat friend of this person, it is served as this role. Informed sources, YouBiKa scam in Ji'nan alone, there are ten people cheated, involving tens of millions, but also in continuous investment.
It is understood that the current social rise of private capital item mostly exist in the virtual currency, public platform cooperation, micro business forms, to charge a high entry fee, high rate of return, stressing trends, planning, selling about dreams, and give strong support to attract some investors, greed, greed, toil, dream, have neither learning nor skill night people. These funds disc itself is not hematopoietic function, after using membership money paid to members of the previous generations, to pay the previous atypical scam pattern, its essence is to tempt investors to participate in packaging the capital of the game, is a pyramid pyramid fraud. Some owners even cheat disc investors bait draw pie, means more bad, more privacy. In addition, these funds disk project, take the Internet technology express, the use of the Internet to spread rapidly, hidden and other characteristics, and its integration, illegal pyramid schemes, fund-raising behavior.
In fact, no matter what kind of money is set, are out and out of the "Ponzi scheme", rely on deception to befog the minds of the people's hard-earned money, others fill and pockets. A disk funds not only economically bound victims, but also in spirit and thought by the victim, resulting in a lot of Renqi ion powder, broken up, hard to go home, the fugitive.
"They do fund disk, almost no successful cases. Even if successful, it is illegal. Now the fund disk, about the following results: earn money, find the law enforcement departments; not to make money, they are ruined. Before I have worked with a founder, life is very rich, the family gold resources brought in, and finally his money, relatives and friends have no money, the loss of tens of millions. The original team with tens of thousands of people, and finally left dozens of people, the team is not a scourge. There is a part of the funds disk crash down, there are a lot of things behind. Because people follow him to invest, the company can not find, you have to find him. Money is a plate of serious sequelae. In this respect, it is absolutely impossible to touch." When asked about the dangers of investment funds, Zhang Yongchun said.
Bad money drives good money: fund plate to take the brand straight impact
Although the national crackdown funds plate, but the funds in China is still in the development of disc weeds rapidly spread. Industrial capital prosperous, flood disc will lead to real industry and even the entire national economic development malformation. For direct selling industry, the direct selling industry to high-quality products to win, strictly speaking, it belongs to the real economy. With the funds set into the direct selling industry, because of its claim that investment funds disc to obtain money fast, high returns, simple operation, some direct selling companies and distributors highly sought after products have abandoned wheel investment gold plate, serious damage to the ecological environment of the development of industry.
The harm of funds to the direct selling industry is mainly reflected in the destruction of the dealer's correct business philosophy, undermine the reputation of direct selling enterprises." Sun Pengbo said in an interview. Coincidentally, according to relevant sources, the famous occupation manager Zhang Xuhui Ren in Keti (Chinese) general manager, said sales difficult, a batch of funds to lure disc dealers away from investments in gold, resulting in the loss of industry personnel, funds, enterprises suffer.
With the third, such as taking the licensing of different enterprises, Suzhou, China Commodity Co., Ltd. is a direct selling license is applied to the enterprise. Li Wei, chairman of the company deeply witnessed the harm to the industry funds. "In 2016, the entire (funding) environment for this industry hurt a lot. Capital dish variety, variety complete, constantly running, harm many people. I have a few have been confused to do the money plate, which I saw with my own eyes. If the environment does not change, direct sales can not do". Li Wei told reporters, the money to take a variety of marketing tools have a 'bad money drives good money' role in the ecosystem of our industry caused by the blow is very large. First of all, because of the fraudulent financial disk, the number of employees of the regular straight out of the fraud. Excessive flow of personnel on the direct selling industry adverse. Secondly, for the industry, the fund is an unfair competition, its cost is lower than the regular direct selling companies, but it is more attractive than the regular market Direct Selling Company. Normal straight business investment conditions and funds can not be compared." For this, the day before the 2016 list of direct selling companies seemed to reflect the words of Li Wei. Under the influence of external funds, such as the impact of a number of direct performance decline, the industry suffered serious losses.
Industry is composed of many enterprises. Enterprise chaos, the industry will have no future. Zhao Jianzhong told reporters: has been adhering to product oriented, may make money will slow down, but you can steadily develop. If the funds into disk, although in the short term, convergence to a generous money, but once the collapse will be doomed eternally, companies will not only fail, may be severely punished by the law." Serious impact to the real funds plate product enterprise, playing "capital plate" enterprise slogan is nothing, earning millions of luxury cars, luxury, as if it were raining flowers blowing, miraculous. So the big wave of people to join the money to invest money, no money selling. We will find some direct enterprises performance into dozens of times, hundreds of times, even thousands of times go up. As a result, it also led to a wave of position is not firm, can not sit down to join the venture into the fund plate. One and then three, repeatedly, to the end of the formation of a vicious circle, seriously disrupting the normal order of the industry as a whole, but also in order to have been in the public opinion whirlpool direct selling industry, sin heavier.
The direct media center editor Chen Liang said in an interview with reporters, although a start will indeed see the play "enterprise funds plate" surge, a year or two can reach the other focus on the products of the enterprise for ten or twenty years to achieve the goal. However, such enterprises due to the lack of product, it does not have a hematopoietic function, can only continue to pull in, to deliver high returns to join the people. After the rapid growth, it is bound to fall, and even soon disappeared. Investors will lose money trouble, even bankrupt, chained and thrown into prison. Therefore, the flood of funds, for the owner of the disc is a feast for the direct selling industry and the country's real economy is also a great deal of damage. Gentlemen love money, it should also be taken. Rely on the funds to earn illegal money not only harm the disc, will be.
Back of the Qingyuan: product oriented, boycott capital plate
From the 2016 sales results, direct marketing industry overall market share while maintaining steady growth, many enterprises also have the layout of direct sales channels, but the development of the direct selling industry still has no small impact, compared with the rapid development in 2015, the declining trend. The day before, a number of media and Research Institute released the 2016 direct selling industry report, all causes of unlimited, perfect, midrib veteran enterprises performance in 2016 straight stagnate or decline are analyzed. In the same way as other families, China Direct Marketing Research Institute released in 2016 China direct business performance report alternative interpretation that the impact of the fund is one of the reasons for the decline in the performance of these direct enterprises and poor performance of the industry. In this interview, talk about the response to the fund plan, you give the industry's own views.
"When a crime is not punished, it will be a blow to those who persist. Go on like this, the direct impact is the formal business can not stand, because we have to adapt to the environment, to adapt to the situation, do some rebates, dividends, and some similar to the means of funds." Li Wei admits. The majority of the industry's direct sales performance decline, in fact, so many years of development process is rare. Now the overall performance of the direct selling industry can stabilize, but if the flow of funds to the performance of the disk, then it is amazing. Moreover, a considerable part of the wealth of the people swept away. So, I hope that the government departments in 2017 to increase efforts to crack down on capital gold plate."
Li Wei's view has been unanimously recognized by other respondents. In the eyes of the public, the relevant government departments should first put forward direction of responsibility, fund disk problems were identified. Heart training system founder Lin A filled with righteous indignation told reporters, "I don't think what kind of capital with two disc fraud, so the country must severely crack down on the illegal funds disc liar. At the same time, to restore a positive image of legitimate Direct Selling Company."
Li Wei said, "we should perfect laws and regulations, to attack (" go "). To make what is good, what is the standard of bad. China does not have this standard. After the standard, in order to better monitor." According to the law, will guide those who can not see the situation of investors, will let them know, what can be done, which can not be touched.
Gao Yong believes that: because of the direct selling products and funds in addition to the product and the system there is no static, whether the legal registration and other differences, the other are highly similar, resulting in difficult to distinguish between the market." Therefore, Gao Yong hope that the relevant government departments can relax with dredging, the direct selling industry funds to crack down on the red line, plate, improve the cost of illegal, let the formal registration of tax, direct selling enterprises can run smoothly, so that funds disk nowhere to hide. Do not form bad money out of good money.
In addition to the state to increase the intensity of the crackdown, the respondents generally believe that enterprises should unite to form an industry organization, with the bad groups to draw the line to jointly resist the funds. In addition, the direct selling industry should abandon the impetuous mentality, tracing the Qingyuan, product oriented, strengthen the core competitiveness of the competitiveness of their products and related. Direct marketing network CEO Wang Liming believes that direct marketing is only a means of marketing, do anything is a process, not instant success. Direct selling enterprises should strengthen their own competitiveness and related supporting core competitiveness. "High quality, unique products are always the most fundamental thing. If you do not have the product, then use the direct marketing model is not easy to pry the market. So in the past few days to use the system to move the market is now a cliff collapse. Obviously, the system in the development process of direct selling industry, has slowly faded. The impact of product driven companies is not so big. Because so many years, the product has become a consumer just need." Li Wei said.
Any a great enterprise, because there is a classic product or a variety of support. For example, the Tencent QQ, WeChat, Alipay, ali. The product is one of the hard standards for the direct selling enterprises to start the brand strategy, the success or failure of the product in the market directly affects the rise and fall of the enterprise and the future, and the quality is the important standard of whether the product can be welcomed by consumers. Therefore, as to network based on direct selling industry needs more high-quality products to attract the hearts of consumers, after all, gold silver cup as the people's reputation. Therefore, to deal with the problem of funding disk, straight enterprises should first unite to resist the erosion of the funds, and adhere to the product oriented, market-oriented product driven market. (end)