2016-05-17 15:22
Ouyang wenzhang: illegal fund-raising has penetrated the direct selling industry to be highly vigilant
Direct reporting network Beijing May 17th (reporter Shen Jie) yesterday was the seventh national public security organs to combat and prevent economic crime propaganda. For a period of time, illegal fund-raising, such as pyramid schemes involving in all types of economic crime, fictional "investment projects", "financial products, to fabricate investment prospects, promised to super high yield rate to deceive the masses, let many people suffer.
How to identify illegal fund-raising tricks? Illegal fund-raising there is no direct penetration of the industry? In this regard, the straight thing (WeChat ID:cndsn-zxbdw) in Beijing interview with the Chinese Academy of direct marketing expert committee of the core expert Ouyang articles professor.
"Straight thing" (micro channel ID:cndsn-zxbdw): Hello Professor, we this year from the national Ministry of public security data display learned: enterprises involved in illegal fund-raising high incidence of cases, the public security organs in filing number by two or three thousand past a sharp rise in the first million. Especially in the first quarter of this year, the number reached a record of more than 2300 cases, involving a significant increase in the amount of over 100 million cases. So, the case of illegal fund-raising and how the new trend?
Ouyang article: the high incidence of cases, the situation is more severe, is the current situation of illegal fund-raising cases. Cases of illegal fund-raising spread widely throughout the country, the spread of high incidence areas. Which in the regional distribution, the eastern region is still a high incidence of cases, especially in Jiangsu and Zhejiang area traditional cases of illegal fund-raising multiple, growth momentum of the central and western regions is obvious; in the field of crime, the crime of illegal fund-raising show the characteristics of the old and new fields superposed risk. Field of a conventional farming, real estate and commodity circulation, production and operation of illegal fund-raising still prone, and Internet banking, farmer professional cooperatives, the brokerage and investment, equity investment, tourism, pension, private institutions, listed on overseas stock markets, etc. under the banner of the name of pyramid selling illegal fund-raising rampant. In addition, new techniques continue to appear, performance for illegal fund-raising and marketing means interleaving, online publicity and promotion of echoes, the main suspect, site registration, server location, involving funds "bull" foreign-related cases highlight. This year, our country Jin and e rent treasure illegal huge fund-raising event shocked the. Therefore, network lending become cases multiple high risk areas, under the guise of the Internet banking, e-commerce, micro business, foreign exchange management, virtual currency name of illegal fund-raising.
"Straight thing" (micro channel ID:cndsn-zxbdw): many users reflect with us, the Internet is a virtual currency, investment of a few thousand dollars can be lucrative, we investigate found that many people say is network marketing, then do network marketing has what characteristic??
Ouyang article: easy to operate, can be copied is an important feature of the network marketing. For example, China industry alliance, cloud free trade and other network marketing activities repeatedly playing without a break, was investigated and dealt with after the replacement of the site to continue to operate. "Clearly business" pyramid selling activities were often banned, transferred from the line to the Internet, continue to lure people to join. In addition, a multitude of names of network marketing. Tourism, electricity, micro business, Internet phone, Internet brush single, online games and other names abound, but were in multi level development staff as the main feature, to pay high returns as bait. From cheated crowd, the identification ability of the elderly poor, risk tolerance are also some poor, easy to be street advertising, telemarketing and souvenirs small hair Xiaoli attracted. However, in the case of Internet lending, young people are more familiar with the computer and the understanding of new things stronger, but also very easy to be attracted to.
Secondly, from the current case has been made is not difficult to see that the many MLM crime has the following three characteristics: one is to fabricate or distort the national or regional development policies, such as national pilot, the large-scale development of the western region, North Bay building; the second is under the banner of reform and innovation management, investment model under the guise of, such as e-commerce, consumer rebates, chain sales, franchise, franchise, original stock investment, electronic currency trading. In addition, the claim that high profit is pyramid selling crime gimmick, including static benefit, dynamic earnings, straight tuijiang, layer tuijiang, colliding award.
"Straight thing" (WeChat ID:cndsn-zxbdw): since the development of the Internet, the network brings the cost of crime is reduced, the speed of raising funds, efficiency. Some criminal suspects have professional and technical, to find the media and professional endorsement, confusing you. So, how do you see through the network of financial fraud?
Ouyang article: at present, some of the illegal fund-raising platform, through a variety of structural design, to circumvent the law, seems to be legal, in fact, otherwise. This complex multi-level structure design, professionals are very difficult to see, but not to say that ordinary people. How to enhance the awareness of prevention, to recognize the illegal fund-raising, let people can identify vigilant risk is to crack down on the crime of illegal fund-raising success is one of the key factors.
I believe that high interest means high risk. The Supreme People's Court on Several Issues concerning the application of law in the trial of cases of private lending regulations ":" borrowing agreed interest rate does not exceed the annual rate of 24%, the lenders request the borrower to pay the interest according to the agreed interest rate, the people's court should be supported. Both sides agreed on the interest rate of 36% over the year, more than part of the interest agreement is invalid. The people's court shall support the claim that the borrower has requested the lender to pay back the interest on the 36% part of the interest rate that has been paid for over a year." That is to say, the private lending rates are generally not more than 24%, the maximum shall not exceed 36%. For high interest rates, to take into account the operating costs of the company, if interest rates exceed profit margins, high returns must be false.
How to see through the illegal crime suspect trap? First should observe the account of the inflow of investment funds, if it is a platform for their own account or natural person accounts, there is a great risk. Relatively safe account should be a custodian of a bank account, the disclosure of the escrow agreement on the platform, or by the third party payment institutions to control the deposit account; second, to view the qualifications of the platform is also an important part of. According to the type of products purchased, see its business scope and Business Administration Department of registration is consistent, whether to have such a qualification.
"Straight thing" (WeChat ID:cndsn-zxbdw): the recent media exposure of a small number of direct selling companies in the play of the fund, which is illegal fund-raising it? Will the government crack down on these cases?
Ouyang article: strictly said, play a direct selling enterprises "capital", no matter how gorgeous packaging he actually is a kind of illegal fund-raising and a pyramid style of illegal fund-raising, must cause the government a high degree of vigilance.
Why direct selling companies to play the "money" is a pyramid selling illegal fund-raising it? From the perspective of the laws and regulations of the state. First, they are using multi-level team payment way to engage in illegal fund-raising, with MLM basic characteristics of; second, their capital return rate is very high, far more than the provisions of the Supreme People's court, from essentially is illegal fund-raising; third, from some recent direct sales staff gathered protesters, illegal fund-raising after the victim is our direct sales personnel. Therefore, to society great harm. We believe that the government will severely punish mercilessly minority direct selling enterprises play "funds plate". 3
Editor: Xiao Shen
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