2015-11-25 14:45
3M financial scam: 1 change 230000? Has been proved to be pyramid schemes
Lead: have you heard of 3M financial assistance platform? 3M financial fraud latest report! This 3M financial investment in the circle of friends has been proved to be a pyramid scheme, the state has begun to move! So let us have a look 3M financial platform in the end is how money?
Direct network November 25th news (people's daily), investment 10000 yuan a year to change 230000 yuan, a year of the wealth of value-added, investors in hundreds of countries, smooth operation for many years"...... Recently, a lot of friends circle, microblogging and line of self proclaimed financial mutual investment in the financial platform, the temptation to claim that dozens of times earnings, a lot of people to participate in their investment operations.
Recently, the China Banking Regulatory Commission, the Ministry of industry and commerce, the people's Bank of China, the Ministry of Commerce and industry, four ministries issued a warning to remind the majority of investors pay attention to prevent the name of the name of financial cooperation, commitment to high returns, lure investment behavior.
1, "financial assistance platform" in the "three noes" mode of operation, like "Ponzi scheme"
Reporter survey found that so-called online financial assistance platform ", is basically not filing, no business entity, financial product sale qualification" three noes "investment company. Industry insiders believe that the existence of its mode of operation of the "Pang's fraud".
The so-called "financial assistance" investment platform is through the micro channel group, microblogging, web site and line inferior in a variety of ways to attract investors. In a "MMM financial assistance community website, conspicuously marked with" 30% of monthly income "account, $50" and other words. In addition to high returns, there is an additional pull head award, that is, each recommendation of a new investor, you can get the amount of its investment income of 10%.
A claiming to "introduce new people into the group of" financial mutuals investors said, new entrants can optionally spent 60 yuan to 6 00000 yuan, investment the longest period of 30 days, a monthly interest rate of 30%. "That is to say, according to the investment of 3000 yuan a year to 69000 yuan interest. Players transfer each other, the platform does not charge any fees, a year to 23 times earnings!"
Such a high income come from? According to the participants, financial assistance platform and the organizers do not deal in any industry, does not produce any cash flow, just prior to the investors in the later investors funding "mutual aid", common ground says, like drumming Chuan flower, robbing Peter to pay Paul. "As long as there is a new investor to join, in front of people will be able to get the money."
Ms. Lee said Wenzhou people, she is the family introduced to join the MMM mutual financial community in a local micro channel group. "The highest investment 60000 yuan, but a lot of people are using more than one identity card, up to millions of dollars." At present, her micro channel group has hundreds of people involved in the financial cooperation".
2, the "financial mutual aid platform" are not performed for the record, are illegal websites
In claiming to be the MMM financial mutual platform China area main site, the reporter saw the introduction of financial mutual aid model was first established in Russia, its founder for foreign nationals. Not only China has, internationally recognized, but also become a number of similar investment sites to attract investors, one of the.
Reporters in Zhejiang and other places many investors in and other places of Communication Management Bureau to understand, MMM financial support platform for China's main web site located in Ji'nan City, Shandong Province, and its many members of the web site and registered web site IP. Ministry of industry and information website for record data show that the MMM financial services platform for China's main website did not complete the registration in the Ministry of industry and information, according to the Internet information service management approach, etc., are illegal websites.
Not only that, the reporter saw, under the name of financial support platform, there are dozens of self proclaimed "the only official website" of the Chinese website. After verification, these sites are not fulfilling the record procedures.
At the same time, the Commission announced the list of operators show, MMM financial mutual platform is also no Internet fund sales and private equity funds for sale and other qualifications. Shanghai Hua Rong law firm partner Xu Feng believes that from the above analysis, the financial mutual investment platform is a typical online pull head, investment patterns, operating sites are not any business entity can generate revenue.
It is understood that some financial assistance community also to virtual currency Mafu Luo currency "as the carrier, investors should the funds for investment to the virtual currency can, cash income, but also to platform website or introducer in exchange for cash. "In fact, in the case of the" GBL "and other similar virtual currency case, the operator has been suddenly disappeared, exchange trading procedures can not be carried out, the company registered address fraud and other phenomena, investment losses." Dongyang Zhejiang city police said the person in charge.
3, super high yield or not subject to legal protection, there is running on the principal is difficult to protect
Supreme People's Court issued in June of this year, the Supreme People's Court on the application of legal provisions of the law of private lending cases clearly defined: lending through the network of lending platform to form a lending relationship, the network lending platform provider only provides media services, the people's court shall not support the people's court, at the same time, the two sides agreed interest rates over 36% years, more than part of the interest.
Beijing Zhongyin Law Firm lawyer Xu Yuping, legal experts believe that this means, "financial assistance" declared in high yield without legal protection. At the same time, this kind of online mode to attract investment threshold is very low, the investment funds are lack of banking, financial regulatory bodies of the third party supervision. "The majority of the people should not be so high that the high yield promised, otherwise, if the maturity can not be able to deliver the proceeds, and even the loss of principal may not be guaranteed."
In addition, Cheng Xuelin, executive director of the Zhejiang provincial financial law society, said some of the network platform, the virtual currency trading platform for financial flows without bank custody, very prone to the opportunity to fraud, volume, foot and other phenomena, investors may suffer losses.
Implementation, the people's Bank of China and other five ministries issued on the prevention of the risk of bitcoin notice has been clear, part of the virtual currency has a higher risk of money laundering and the risk of being criminals. At present, the people's Bank, "12363 Financial Consumer Protection Advisory complaint phone" has been officially opened, financial consumers can consult or complain about financial consumption. "Investors in the 'financial mutual aid' suffered losses, should be the first time to report to the regulatory authorities." Cheng Xuelin said.
Experts said that in addition to the competent authorities to strengthen the warning, warning, but also to increase the intensity of supervision to make illegal financial behavior and fraud nowhere to hide.
3M financial fraud has been proved to be pyramid schemes
According to reports. Recently, circle of friends crazy 3M financial investment has been confirmed is a pyramid scheme, countries have started to move! Come see how Pianqian the 3M financial platform in the end? Whether you have never heard of 3M, is not a member, please first for their own financial security, a closer look at the official media reports on the 3M:
The so-called, from Russia, known as the 171 countries are members of the "3M financial cooperation platform" exactly is how to step by step cheat our hard earned money, it must carefully look at the following:
One, high interest:
The 30% month return, 30 days can be a full withdrawal of interest. Assuming investment 10000 yuan, every 30 days will once again put the full amount of principal and interest, so after a year income will be as high as 230000. MMM (mutual aid community, up from the mode of analysis, is full of contradictions, Its loopholes appeared one after another., quanqian tools, the platform up to no more than one year will top off the net, the volume of money disappeared, understand a little financial common sense one glance, static fixed monthly profit of 30% increase, 1.3 times a year, the 12 is 1.3 square, 2300% reward, bonus pull-out rate is about 19.81%, such as the investment of 3000 yuan, 594.3 yuan bonus awarded do draw, 3000-594.3=2405.97 yuan, 30 days out to be funded 3900 yuan, but it will need to invest 3900 yuan 3900+594.3=4494.3 yuan this kind of home to realize the supply of funds, is not a member of what mutual, not what a platform does not take, is between members of the flow, it is all a lie!)
The government's official newspapers have been reporting the 3M scam.
We learned from the above calculation, in order to maintain a steady dividend of 30% per person per month, the need to continue to flow into the external funds, and external funds must be kept in the original internal funds 4494.3/3000=1.49.81 times the speed of follow-up, that is, to promote the 1.5:1!!
Otherwise, it is likely to be opposed to the cash flow, the internal circulation can accelerate the flow, that players support players can maintain the chain of funds, please note that this model itself has no concept of the market, even if the market is affected by external funds to finance the internal cycle is affected by external funds, and the internal loop is affected by external funds.
Company chaos!
China's official website, similar to the seven or eight!
Yesterday, there is a surname Liu readers find Shenyang evening news, said there are several micro believe friends are looking for her to join the platform, investment commitment is can guarantee to pay compensations of, however. They give are not the same, do not know exactly which is true and which is false.
Reporters in accordance with the number of MMM to find the site to find the site to find the only official website of China, the only official website, although the web design content is very similar, but the phone is not the same CEO contact. Such a web site, a total of seven or eight. The website also has a Zhang to the company was awarded a certificate of merit photos, but company name on the certificate also each are not identical. Reporters call a contact phone, he is very cautious, I heard that the MMM is the official website of the financial cooperation platform, said only through the QQ exchange.
For this money model, Liaoning University, associate professor of economics, economics, Dr. Guan Yu analysis, MMM financial support platform and no reliable way to achieve 30% interest rates, but by the absorption of the assembly line of money, to pay interest on the line, it is likely to be suspected pyramid schemes. This pattern is like Pyramid, in theory, only after people continue to follow up, to ensure that the game continues, once no one entered or artificially close the site, then the back of the investors will be a major loss, which is suspected of fraud.
Vigilance financial Pyramid MMM
In the early 90 century, Sergei Mavrodi rise to fame. Millions of Russians have been involved in the construction of MMM Pyramid. The project is only 3 years and collapsed in 1997, he spent 4 and a half years in prison. In May 2007, Mafu Logic was released from prison, and according to the original model to deceive the people at home and abroad return to one's former career.
In 2013, MMM landed in India, the local rich Russians began trying to repeat mistakes. But to backfire, Ma Fuluo quarter team in a country with a large population haven't had a chance to display their skill, he created mavrodi Mondial Moneybox - India institutions it is Indian law enforcement agencies "seized". 3 Russians and their partners were arrested in India for alleged fraud in India. According to police estimates, the India depositors lost 150000000 rupees ($about 2600000).
As can be seen in India, the experience of failure and not let Mafu Luo quarter stop. He also wants to promote his projects in Asia. "Satellite network" reporter interviewed the Chinese Modern International Relations Research Institute, the World Economic Research Institute Chen Fengying.
Chen said: "China in this area of the relevant laws are relatively small, such cases generally by the China Securities Regulatory Commission management. This belongs to a kind of Pang's scheme, although our country has the law on such cases, but the national law is not very perfect, generally by the securities and Futures Commission management. In addition, because this activity has just started, he is in any way to raise funds, is the original way of fraud, or investment and financing if he can be registered in China, to prove that he is qualified foreign investors, before this, the relevant departments will be reviewed, as the original to the kind of fraud will not appear in china. Only qualified foreign investment can come to China."
Chen Fengying pointed out that China's securities market management is very strict. Offenders will face the fate of being punished. Mafu Logic on their own projects to bear the responsibility, will be in its "financial Pyramid" to do the corresponding qualitative will be made.
5 common scams in investment banking
1, participating insurance illegal marketing
A lot of investors are fooled to buy insurance dividends are introduced and recommended by bank sales staff, the other said that the funds can be withdrawn at any time, 7% - 8% per year of income, etc.. But investors must pay attention to the contract note, to understand the nature of the product as the salesman said, if you find the problem in time, remember to seize the last straw in the period of hesitation.
2, network financial trap
Many websites to everyday rebate "," guaranteed income "," return of up to more than 20% and so on temptation of information as a gimmick, name to help investors buy primitive, in the guise of securities, so that investors remit the fund to another account. Investors should not be confused with high earnings, must recognize the qualifications of the sales staff and investment channels. Meet the need to transfer money in a person's account, but also to pay attention to.
3, spot silver investment scam
In the high returns to lure customers to open an account, and then introduce you to the spot silver. After opening an account, there are professionals to help the operation, do a few days may make some, at this time they will remind investors that the money is too little too slow, so that investors to increase investment, and finally caused investors to lose. In this regard, investors have to choose a formal platform for operation and trading software, China is currently only three formal trading platform: Shanghai gold exchange, Shanghai futures exchange and the Tianjin precious metals exchange. The platform has a regular platform, to facilitate investors to simulate the actual operation.
4, private lending is tricky
To annual interest rate of 20%, 30% or even higher returns as a cover, investors began to invest tens of thousands, the taste of sweetness will be additional hundreds of thousands of dollars, or even several million yuan, the ultimate borrower fled, business failure. Actually, only a handful of banks opened for certain areas of the unsecured personal loans varieties, but also to the bank signed the contract, provide payroll card of bank statements, investors must be to the other company for field of view, and signed a formal contract and non verbal agreement, loan contract to consult a lawyer there is no violation of clause; keep each other's company copy of business license and ID card copy, and identify the authenticity; at the same time pay attention rate is reasonable.
5, the illegal fund-raising for the elderly
To invest pension apartment, remote joint nursing in the name of the high returns, providing service for the aged as bait to lure elderly people to join the investment; or by holding the so-called health lectures, free medical examination, free travel, issuing small gifts to lure elderly people to pay. The old man is not easy to believe, you can consult with the children, to see the essence of action and then action. 3
(original title: 3M financial fraud, the latest report: 1 change 230000? Has been proved to be pyramid schemes
Editor: small Shen
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