2016-02-17 11:30
E how to borrow the ＂Pang's scheme＂ to build a financial empire?
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Direct reporting network Beijing February 17th (reporter Shen Jie) January 14, 2016, the concern of the e rental treasure platform of 21 people involved in the Beijing Procuratorate approved the arrest. Among them, "e rent treasure" actual control platform, Yu Cheng Group Director Executive Chairman Ding Ning, suspected of fund-raising fraud, illegal absorbing public deposits, illegal possession of firearms and other crimes. In addition, the case related to a number of suspects have been approved by the prosecution of the prosecution of the arrest. This has swept the country's network platform, what is the truth? Yucheng Group executives head all sorts of "halo" underneath how shady? E is how to step by step with the use of "Pang's scheme" to build a financial empire? "Straight thing" (micro channel ID:cndsn-zxbdw) made a long-term observation, this is recorded in this, in order to show the world.
High temptation
E rental treasure claiming to be downright Pang's fraud
'e rent treasure' is an out and out Pang's scheme." In the detention center, the former Yu Cheng international holdings group president Zhang Min said, "e rent treasure occupied the investor's funds, company executives are very clear, she now this very repent for. In accordance with the standard definition of a Ponzi scheme, this sleight of hand tricks play is the money from new investors to pay interest and short-term returns to the old investors, to create the illusion of money and obtain more investment. This chain generally high returns bait as a starting point, to investors for the end. "Straight thing" (micro channel ID:cndsn-zxbdw) found in E rent treasure each big investors rights channels, many people have begun to retreat and beg next, as long as they can get back the principal, even on the basis of the principal discount can also. Although before this, investors "greed" has already been completely unmasked. When choosing an investment project, everyone has a desire to invest more, only to invest in higher yielding products. Previously, e is the use of this kind of greedy rent treasure, the annual yield of up to 9%-14.6%, almost 2 times the industry average of 7%-8%. See profitable, investors around the country stampede in. More crazy uncle aunt, carrying cash directly to the local branch of the e rent.
At the same time, "things" (micro channel ID:cndsn-zxbdw) observed that e rent to attract a large number of investors, there are two key points, one is overwhelming advertising, the other is the extraordinary high yield. Police introduction, under normal circumstances, the finance leasing companies earn spread project, and the platform to earn intermediary costs; however, e rent treasure from the start is an "empty set of the White Wolf" fraud, the so-called leasing project didn't live up to. At the same time according to the "straight thing" (micro channel ID:cndsn-zxbdw) survey found that, "e rent treasure will be absorbed to the funds in form of third-party payment platform of route into from the pool of funds, equivalent to the funds from the left pocket" into the "right pocket. Once known as 1 yuan from the vote, at any time to redeem, high income low risk." This is the "e rent Bao" widely advertised slogan. Many investors said they are to "e rent treasure guaranteed security interest, flexible withdrawal commitment to be deceived." Things straight (micro channel ID:cndsn-zxbdw) solution, e rent treasure, launched a total of 6 products, the expected annual yield of between 9% to 14.6%, much higher than the general rate of return of financial products. However this means the income is very considerable, from May 13, 2015 years accumulative total turnover of 50 billion, to December 8, the total turnover amounted to 750 billion, within half a year, the rapid increase of 15 times, the monthly growth rate almost more than the all Internet banking platform. And its high growth behind, more because of the crazy advertising in the endorsement.
disadvantaged
E rental treasure is not the source of financial elderly people do not understand
"Straight thing" (micro channel ID:cndsn-zxbdw) by e rent at the beginning of the treasure the results of the survey found that, e rent treasure scam deductive incisively and vividly, borrow false items, false third party, false guarantee: three-step ploy made the fraud. E rent treasure to seize the part of the people to understand the financial knowledge of the weak, with false promises to weave a trap". In order to speed up the pace of expansion, Yu Cheng group is also the country set up to a large number of the company and to sell the company, directly facing the people "personal selling". Its push staff in addition to recommend e rent treasure products, and even the enthusiastic to provide them with the opening of online banking, registration platform and other services. It is in such a powerful offensive, e rent treasure only with a year and a half, to attract about 900000 real investors, customers across the country 31 provinces. However, in E rent treasure after being unmasked, "thing" (micro channel ID:cndsn-zxbdw) inspection found a number of mainstream finance and investment platform, in the short term the daily average investment growth in the amount of has not been significantly reduced. So why does this phenomenon appear?
Before mentioned a lot of aunt uncle crazy investment e rent treasure, which is in line with another phenomenon of China's investment market, now on hand for the elderly will have some spare cash, then these spare cash to how to spend it? That is investment banking. It is because of the elderly in vulnerable groups, it is difficult to identify carefully prepared lies, so that the E is believed to rent treasure. In E rent treasure investors, 90% are elderly investors, their one-time purchase amount is huge, often Qingnangerchu, the pension and the coffin the smashed into it. E rental advertising channels mainly TV, this part of the audience, mostly older. Secondly, e rent to promote the layout of the line under the treasure, with the financial division pull the client's form of suction gold, the elderly is the focus of the promotion of the object. Today, the trend is being cheated elderly investors showed: easy to believe, the amount of large, after the incident, it is difficult to rights. Even after the e rental treasure was under investigation, the young investors to all over the rights, the media focus on them. Which accounted for the vast majority of the elderly, in addition to wait for news, resigned, or at home children accused compunctious extremely, they can do nothing about it. They can not participate in the rights of the investor action, but also do not know how to make their voices to the community. This is why e rent treasure checked, and the platform still exist trading phenomenon.
know afterwards
E rental treasure damage caused by the 2016 P2P shuffle year
A volatile stock market let many people born tuiyi, choose a relatively sound financial products investment is what we say normally P2P industry, who once thought that P2P industry bring rich and generous return at the same time behind is actually hidden enormous crisis, many investors experienced never imagined "Ponzi scheme". "Straight thing" (micro channel ID:cndsn-zxbdw) were found to. E rent treasure event is just a microcosm of illegal fund-raising P2P lending platform, dubbed the "e rent treasure in the second" big group with e rent treasure as alleged illegal fund-raising and marketing nature; Pan Asian "treasure" non-ferrous metals trading platform checked, including victims involved in the 20 million investors, the amount of over 400 million.
But "straight thing" (micro channel ID:cndsn-zxbdw) found that Internet banking is born of mixed operation, rely on the central bank, China Banking Regulatory Commission, China Securities Regulatory Commission (CSRC) and China Insurance Regulatory Commission will this "three" the separate regulation mode, there is no solution to the problem of supervision blank area and low efficiency of regulation. At present, led by the China Banking Regulatory Commission this "approach", more like pushed the responsibility to local financial work grabbed the provincial financial do, did not fundamentally established beyond the three pattern "supervision" system. Large P2P lending companies seem to be safe. E rental treasure seems to have been so credible, it is advertised everywhere in China, but has cheated 900 thousand people about 50 billion yuan. For those who lose money, it is a bad one. Irony is that by vigorously exposure from supervision of P2P lending risk, e rent treasure event to awaken the Chinese consumers and regulators (to be fair, has been in the investigation of the company) see the problem severity, which could save the industry fraud caused greater losses.
On February 4, 2016, and a number of banks for risk considered closed and P2P platform transactions or recharge port, and on the same day, the State Council recently released "on further do a good job in the prevention and disposal of illegal fund-raising work opinions" also proposed, pay close attention to the financial investment, non financing guarantee, P2P network lending and other new high priority areas. Insiders pointed out that in 2016, for most of the P2P platform is concerned, no doubt will be the year of the real shuffle. 3
Responsibility editor: dust wind
Interpretation of the news hot spots, showing sensitive events, more exclusive analysis, as in the "direct" micro channel, scan two-dimensional code free reading.
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