2016-07-26 16:48
Open Internet banking six tricks: high rebate game play acquaintance marketing
[straight news network Beijing on July 26 hearing, China Economic Weekly labor Jiadi) July 2016, Bernard Madoff has in Northern California of a federal prison serving over seven years, but this is only his life in prison, tiny fragments. The United States has history since the largest Ponzi scheme in processing them, former chairman of NASDAQ in the design of hollowed out Wall Street elite pocket, was jailed for 150 years.
Ponzi game to put it bluntly is the empty set of the White Wolf, with money from new investors to pay old investor interest and profit, as long as we have the disk access man ", has been able to maintain the illusion of prosperity -- this trick is definitely not unprecedented in Madoff cheat in the light of these top investors $18bn previously has long history of more than a century, and is now in the domestic field of Internet financial derived various" Metamorphosis ".
Such as in September last year, Kunming nonferrous metal exchange in online sales of financial products, treasure "perfect" copy of this deception, up to 430 million yuan of funds in the middle of the trap. It closed the nonferrous metal markets in robbing Peter to pay Paul. In the early stage, the constant introduction of liquidity pushed high commodity prices, follow-up investment funds unsustainable immediately collapse. As the deep mire of more than 20 investors and more than and 300 institutions like the rich club members in Wall Street.
E rent treasure trick is similar. When operating costs is always greater than the income platform, e rent treasure also selects the sword Zoupian front: in order to continue the flicker of the new capital investment to fill caused by pre Himalaya giant pit, actually invented more than 90% of the financing, more than 90 million investors received the last rod, only to find themselves just surprised day fraud in poor fodder.
According to July 18, 2015, the people's Bank of China jointly issued the "on promoting the healthy development of Internet financial guidance, main format of Internet banking, including the Internet payment, network lending, to raise public equity financing, Internet fund sales, Internet insurance, Internet trust and Internet consumer finance and so on.
These emerging financial formats in bringing innovation and services to upgrade the industry, but also because of its vigorous and fresh sense of being a liar to dig human positions. People who believe in the myth of investment income are doomed to lose all. Run, run away, involved in the investigation of economic, business, bankruptcy scandal temporarily impossible to stop pestering the young noun.
Although from the decision-making reform efforts continue to increase, the 2016 the net loan industry semi annual report "still showed that only P2P half has uncovered 268 platform.
However, once the deception was exposed, the logic behind these financial tricks often almost absurd.
The issue of "China Economic Weekly" tried to peel Internet financial fraud, the layers of illusion, simple and straightforward style of writing in the portrait of high-risk platform, also tempered out some fangpian keywords, to tease out the present popular several big tricks, help investors to improve immunity.
Deception
Key word
Do not fly high income
The conventional high yield is always the crooks beyond the magic weapon of choice. Said in the Florida society of golf course, Madoff's client side to invest in long-term stability of high return triumphantly, side also had jokingly that the legend, "such a high return, don't you in fraud?" -- after being swept away all worldly possessions, they found the joke a prophecy.
The shrewd Jews well versed in Wall Street investment psychology, his investors to design the trap is the monthly profit of 1% to 2%, no matter how the external environment change, stable income at an annual interest rate of 12% to 24%, which makes the whole scam lasted as long as 20 years. In fact, the current domestic income exposure platform also is usually higher than the average bank financial times.
In April this year, billion P2P finance platforms in Jin asset management companies were seized, the design of products, annual yield roughly between the 8%~16%, coupled with the product manager to give high rebate, the actual income can be reached more than 20%. Even more outrageous is that it also designs a unable to redeem the principal permanent contracts, commitment to 50% annualized return rate, on the assumption that investors investment 100 million yuan, the next year can get 50 million yuan of interest, two years to return the. In super high yield of gravity, many people lose rational.
To collapse the greatly group, for example, in just a few months, it was crazy expansion 20 million employees and team expansion can be comparable to the global marketing of multinational giants, the promise of the annual rate of return on 8%~13.5%. But after the accident according to the disclosure of former employees, company performance royalty actually reached 20%, also is each financial product yield must be maintained at more than 30%.
E rental treasure to investors committed to the annual income of 9%~14.6%, plus the financial division of 1%, the operating income of its financial products also at least to achieve 10%~15% party can be guaranteed.
In February this year, relying on the issuance of the concept of real estate products of Xin Qi assets 5000 investors 19 billion yuan of funds was unable to honor the burst, it promised to 13.2% of annual income, individual 10-year monthly products up to a maximum of 2%, which is the annual yield of 24%.
High yield is the most powerful trump card cheats play, but also for the incoming psychological. But a little investment knowledge people should know, even recognized the rate of annual yield of over the past 40 years of Warren Buffett's only 20%, and even many years is underperformed the S & P index, individual years return on investment is negative.
The emergence of super high yield, or the use of high leverage, or is similar to the chance of gambling. China has long been the benchmark lending rate of four times as interest rates to protect the upper limit. And according to the released August 2015 the supreme law of 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%, lenders request the borrower to pay the interest according to the agreed interest rate of, the people's court shall support. 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."
Deception
Key word
The grandiose name, international packaging
By the end of February 2014, central Winton Fund Management Co., Ltd. General Manager suddenly lost contact, Chaoyang District, Beijing, an investor suicide falls, tragic opened this involves pile 5 billion yuan of P2P fraud case. This looks as if there is a "Central European" endorsement of the company which was off the tall on the coat, exposing the fraud of the phase.
According to "China Economic Weekly" reporter, had in the publicity, high-profile company as its chairman posted on Shenzhen CPPCC members "label, claiming that executives have overseas financial institution background, deceived many superstitions" international fan children "investors. But a little common sense can be found doubt, only known as "with a registered capital of 1 million yuan, products are mainly including P2P, fund, PE" salesman "raised funds" are often infested in large business ultra, square, residential stall hair leaflets.
In name buried mystery confuse technique is not unusual, some financial swindler likes to make a big fuss in the name, can become the investor to sift the true from the false in the first line. Early in 2007, riding the bull market of express, "Swiss Mutual Fund" quietly on the line, the backing is even more astonishing, claiming to be the world's largest fund, cooperation with the London Stock Exchange, JPMorgan Chase, by the family of CHEVIOT was established in 1948, is headquartered in the Swiss capital Bern, assist global investors to manage funds amounted to $90 billion.
In fact, the UK does have a well-known investment management company called Cheviot Quilter, but the so-called "CHEVIOT family" can not be talked about. Internet sales model to the home did not in commission for the record "pheasant fund quickly gather more than 13 billion yuan investment funds.
In recent years, the same logic has also been used to "Hong Kong vs Investment Fund net" "American Wall Street global private equity fund net" on the NASDAQ Global Investment nets, "and so on, get the trust of investors become the most simple and crude hoax by well-known international elements, and CIC and Huijin, the Construction Bank, Credit Suisse etc. first-class financial institutions name may also be permutations and combinations, mutual platform gold trust, investors should further ascertain the true" gene ".
"Investors should pay attention to not rely on 'fund management company' in the name of the first, if it is raised should get Commission authorized business qualifications, if it is private, investors have 100 million investment, net assets of 10 million above the threshold." A senior mutual fund industry practitioners of the "China Economic Weekly" reporter said that even if the central Covington, the industrial and commercial registration process is legitimate, "the fund" the name does not necessarily endorse.
Deception
Key word
Acquaintance marketing, high rebate game
"China Economic Weekly" reporter noted that from various problems has been revealed in the cross platform nature, many involving strong financial marketing "means, greatly group is last year by exposure of a case of MLM financial fraud.
According to the reporter, in the possession of "astronomical" like employees are MLM chain link, each employee on probation must buy more than 5000 yuan a year "Dabao", want to become a full member of the staff must be to buy 50000 yuan "Dabao", so we by staff development "offline", internal financing volume is quite alarming.
There is a risk of four degrees issued by the China Banking Regulatory Commission issued a warning risk mutual gold platform MMM mutual financial community is also a typical mlm. Actually back in February 1994, the Russian Sergei Mavrodi is founded the mmm, the registered capital of only 10 million rubles (then $1000), because the MLM pyramid investment return of the program to attract investment, to fraud into sin, released from prison after but fuck old industry and introduced into China. Platform declared its online product day income 1%, 30% monthly income of 23, times the annual income, a short period of time to capture a large number of investors, only two suction gold accounts on the cumulative illegal fund-raising.
The MMM and not any actual product, not connected in any industry, does not produce any cash flow, only through established recommended award, award, off the assembly line, pull the relatives and friends to join. This black box like operation platform had been repeatedly crash frozen, because at home there is no registered entity, server is placed in the foreign, public security organs even unable to intervene in the investigation.
It is worth mentioning that the high rebate game has become one of the routine of illegal fund-raising. Some platforms usually under the banner of the name of the financial innovation, resorted to dazzling rebate gimmick, use recycling consumption, consumption returns, join the network and consumption value-added the names of many of the "vest" and complex rebate algorithm to confuse investors, in essence, is given beyond of rebate proportion.
Such as "American Wall Street global private equity fund net" had high rebate to incite investors development of other people to join to join, introduce fees as high as 10% to 12% of total investment. Additional returns to the tricks and high rebate is in Shanxi Province to attract investors. It is reported that Shanxi partner program had hit "5 million investment, to open a new account to send 5000 yuan Lao Fengxiang (4.2, -1.23, - 2.85%), gold, time product two months" propaganda, equivalent to 10% of the rebate, furthermore, the service also privately agreed with the customer book "two to three points".
Deception
Key word
Black box operation, overwhelming advertising
Invest a sum of money, at least should know the whereabouts of the money, this is the most simple investment logic, but in the Internet financial fraud was repeatedly subversion. According to "China Economic Weekly" reporter observed, without exception, platform issues said the fate of the funds is not clear, the fuzzy information of financial products, the creditor's rights investment direction ambiguity.
Even in American financial history's most sophisticated Bernard Madoff, is also claimed that the money could be invested in platform automatic mismatch, investors are holding long-term stable income, always don't know who is the borrower, each other and how to plan the return of principal and interest, not to mention the risk to the project to make a rational assessment of the.
And these black box behind the financial products, it is likely that the mutual fund platform has set up a pool of funds, which has violated the regulatory bottom line. Central bank and other ten ministries jointly issued on the promotion of the healthy development of Internet financial guidance in the P2P network on the lending institutions to clear the nature of the information intermediary platform to prohibit the establishment of a pool of funds.
Reason expressly prohibited, because as soon as the pool of funds, all the risk, in the mutual platform gold body, their platform into the pattern of similar banks and insurance companies, fund investors to bring together to platform operators account, take this money to match the project. On the one hand, due to the platform of the funds has the right to control, once mismanagement led to capital chain rupture, the platform could shut down or out of business; on the other hand, the platform can also use pool of funds to advance of overdue items or compensatory bad debts, to cover on foot.
But because of the lack of funds to grasp the actual investors, capital pool model can easily be platform loopholes. After inside and outside loans and bank, and salt are from Shandong merchant trader, platform price is fully into the the name of real estate enterprises, both illegal self financing of more than 10 billion yuan, the last outbreak of the crisis, exploding the 2015 the first industry thunder.
Based on the summary of senior members of the industry, investment funds import and account through corporate accounts, transfer funds through the third party payment platform or banks, borrowers protocol and platform borrowers combination, product demand docking fund the International Monetary Fund, and other characteristics can reduce the probability of platform kangaroo pools of capital.
Some has been exposed Ponzi scheme, platform control in addition to take a part of the new funds to fill the hole in the interest, but also for a lot of advertising or looking for a star to the site, create a filthy rich, good platform for capital operation, lucrative investment of illusion, not knowing the remaining funds to transfer all overseas or the name of others have been.
Such as e rent a treasure of the accident before the once lavish to advertising, has in CCTV prime time appearances, naming Anhui Satellite TV, in Shanghai, Beijing subway main line and part of the city's high iron ticket gate has been featured; Xin Qi assets invited who played "Huanzhugege" in "huangama" zhangtielin become ambassador and in 2015 the company's annual meeting invited Shanghai TV presenter Cheng Lei, singer Jiang Yuheng, Jiang Dawei.
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