2016-04-18 14:35
P2P type ＂Ponzi scheme＂ sin: MLM + illegal fund-raising
[straight news network Beijing April 18 news (reporter Shen Jie) following the e rent treasure, Pan Asian event, greatly group, deer money, Jin in assets, Kuailu, Rong Yi Bao and P2P pushed to the cusp of public opinion, a succession of P2P company is investigation or running events, let rain sway in the wind in the P2P again cast a shadow. "Straight thing" (micro channel ID:cndsn-zxbdw) found, these super high yield P2P promise behind and investors get back the principal of the tragic, are that the one thing: China into a huge P2P "Ponzi scheme".
Construction of P2P financial illegal money chain high interest loans"
A Ponzi scheme is the call of the financial sector investment fraud, pyramid scheme is a variant of, many illegal MLM group is to use this trick to amass wealth. "Straight thing" (micro channel ID:cndsn-zxbdw) found, the nature of P2P is a pang's scam, high return as a means, even as high as 40% of the rate of return, the money from new investors to the old investors to pay interest and short-term returns, to create the illusion of money and obtain more investment, but once a lot of cash will triggered collapse on foot and other fraud of bankruptcy. "Straight thing" (micro channel ID:cndsn-zxbdw found: Recently, suspicion of illegal absorbing public deposits and illegal fund-raising fraud, billion financial platform in Shanxi Asset Management Co., Ltd. recently is Shanghai police seized, more than 20 core member airport intercepted. However, Jin fallen is by no means accidental, annual yield of super high, pyramid partner level, the involvement of relatives, friends and family members, borrow new old...... Can be called a modern version of the "Pang's scheme", a financial coat in the Internet marketing organization.
For the P2P market, and since the demolition of the standard case of long-standing, which is of high interest P2P platform practice. In this market investors are aware, which is almost a kind of unspoken rules, because the P2P platform needs to attract high-quality borrowers more difficult, and investors for the year of income rate are also very concerned about, at least a part of the investor just ran high yield to go, although aware of the high income was associated with a high risk, but in Hakata silly, or is a kind of adventurous, stroke does not own is the last successor. This is a bit similar to the stock market hot, the stock price to rise, but still someone to pick up, because they expect there to pick up the back. For the high platform, have this tendency. Of course platform by certain stimulation to revitalize the capital chain, of course, more or less there are some "illegal", or walk in a fringe. But in the chaos in the development of P2P, but also to seek the self-development helpless choice, sometimes there is a sin, but is helpless.
Crazy development off the assembly line constitute P2P financial head chain"
"Straight thing" (micro channel ID:cndsn-zxbdw) survey found that, P2P platform is currently the main to the rate of high yield investment returns to attract investors, including online and offline, online can divert part of the third party payment of funds, the line can bypass some of the traditional bank funds, and rate of return is the main "sugar coated bullets", is frequently percent more than a dozen or even 20 yields, for investors, with sufficient investment attraction. But conversely, the borrower is required bear high interest costs, the cost may be lower than does not regulate private lending (frequently is a monthly interest rate of 3-4 points), but percent 20 years of lending rates, the same is the majority of small and micro enterprises can not afford. Generally speaking, China at present various industries operating profit rate, few to more than 10%, most of which are below 5%, or even lower, or operating at a loss, but is a big plate, inertia, all of a sudden stop. P2P lending interest rates, in terms of average and long-term is definitely over generally companies can afford the cost of financing, that is to say, if the enterprise long-term through P2P finance is undoubtedly drinking poison to quench thirst, eventually also can not afford to interest a day, or demolition of the east wall of the western wall, hole and gap is becoming larger and larger. For example: in Shanxi Province by "pyramid" partner for misappropriating, at the same time, through the "circle of friends" responsible for marketing, "pyramid" distribution model, so a financial pyramid selling more do more, head more, publicly available data show that as of the end of February this year, Shanxi investment partners total exceeded 340 billion yuan, a total attendance of over 13 million, 60 years of age or older investors more than 2 million.
"Straight thing" (micro channel ID:cndsn-zxbdw) noticed: variety of P2P, though varied, ever-changing, but P2P crooks is the same group of people, they just with the concept, which the concept of heat is which concept scam. The use of celebrity endorsements, scholars, media reports, the government supports the credit endorsement way, promising high investment returns, causing investors crazy investment.
The P2P platform is how to evolve into a "Ponzi scheme"?
In recent years, fire of Internet banking, Internet banking enterprises have mushroomed like appearance, but the market is built in a no barriers to entry, no industry standards, regulatory policy of "three noes" environment, and hardly any financial background of the enterprises by means of the Internet financial share a cup of a thick soup. Behind this problem at a hot words: Ponzi scheme. A Ponzi scheme in China also called "rob Peter to pay Paul, sleight of hand". In a nutshell is the use of new investors' money to pay interest and short-term returns to old investors, in order to create the illusion of money and thus defrauding more investment. P2P platform for illegal borrowing of the model tested. The rise of P2P platform source in 2015, the year of Internet banking have made clear that the government is to encourage the maximum intensity of a year, almost every two month is heavy to encourage policies and development of P2P industry is to vigorously support attitude. The Internet Banking for the first time into the government work report, and ranked the three keywords of the first.
"Straight thing" (micro channel ID:cndsn-zxbdw) found that the, encourage the original intention of Internet banking is to encourage the direct financing of small and medium enterprises, but the paradox is that, bear 20% in the cost of capital of the company is very difficult in the economic downturn environment survival. After the background of the trust and the birth of the Internet finance is GDP to return to the new normal and expected development does not match the "gap and space", P2P has become a real economy parasite. Data show that as of 2015 8 at the end of the month, the total reached 976 of the platform. In addition the data show that as of the end of 8, the number of investment in 2015 is about 122 thousand platform involved, involving loans amounted to 7 billion 487 million yuan. If the strict accountability review, the amount of money involved in the original sin, so estimates will be very large. The best way is to strengthen supervision, and ordered the platform to self-discipline, and regulate the relevant aspects, such as the direction of the funds to keep the tube and so on, to gradually digest the stock of hidden dangers. 3
Editor: Xiao Shen
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