2017-09-14 15:42
The new financial fraud intertwined befog the minds of the people daily consumption penetration
[news] September 14th report Beijing (economic information daily) "Economic Reference News" reporter recently in Guangdong, Shandong, Hubei, Chongqing and other research found that the current financial crimes showing a new type of composite features Internet Plus + MLM illegal fund-raising ". Some criminals to take the online platform, network of stores in the form of actual penetration to people eating, shopping, finance and investment in daily life intertwined, set up financial fraud, and brainwashing MLM gather popularity, enhance customer stickiness, more deceptive, more temptation.
What is more, some unscrupulous private financial activities under the banner of "Internet plus" support "environmental protection" and "national key investment projects", the expansion of local investment, local economic development and the banner, damage the government reputation. Industry calls, the relevant departments should strengthen horizontal joint strike, vertical norms guidelines, from the legislative level, thoroughly punish stakeholder type financial crimes.
The new scam pervades everyday consumption
"3000 yuan oil card self purchase, now only 2000 yuan", first set a small goal, earn him one, Martha Lahti is not impossible, in all public service platform is not impossible"...... This text at first glance is playing chicken shopping advertising, is actually set by criminals scam.
In August 2016, the establishment of "all people's welfare" all back to the platform, known as the occupation of basic necessities of life, education, medical, tourism, entertainment and other major consumer areas, and everywhere advocated "consumption is public", "shopping, no money."". But at the end of March this year, the Guangzhou Municipal Public Security Bureau of Tianhe District branch of the special action, the 18 suspects in the platform of the organizers of the Shenzhen company was excellent all the police in one fell swoop, 13 of whom have approved the arrest.
According to the Guangzhou Municipal Public Security Bureau of Tianhe District branch of the Economic Crime Investigation Brigade police Guo Lijun introduction, to the time of the incident, everyone welfare back platform has been developed 5267 businesses, 48505 consumers, involving the country's 26 provinces, a total inflow of funds up to about 1000000000 yuan platform.
In recent years, the befog the minds of the people in the daily consumption of more and more financial crimes. By the end of 2015, China announced the O2O electronic commerce, "Alibaba" "fresh fruit camp" closed down, more than 300 stores shut down almost at the same time, and lead customers to encroach upon, rights in many. Today, the consumption of all back platform and the rapid spread of the country.
"Economic Information Daily" reporter research found that the so-called consumer all back platform, but "to raise the old" "Ponzi scheme."". Guo Lijun told reporters, "everyone in the public interest" case, in fact, there is no real consumer consumption. A lot of investors are investing in the benefits of "spending back now", returning money from new members to old members, and the new scam will never end as long as new members keep pouring in. However, the establishment of different levels of partners, agents, and can extract commission from the turnover, a huge two allocation will soon cause investors to break the gold chain.
At the regulatory level, the biggest difficulty in combating such crimes is the blurring of boundaries. "And" everyone welfare "and" similar Lianhui cloud ". The full back platform consumption volume is very large, the pool of funds have been accumulated to a certain extent, and to the real consumption, the development of the real economy, the police investigation is difficult to distinguish between what is true and what is false consumption consumption." Guo Lijun says.
"Combination of virtuality and reality" is more alluring
Reporters found that in recent years, financial crimes from the previous commodity marketing, resource development, plant breeding and other fields, the "real economy" to finance, private equity, chips, network lending, virtual currency and other "virtual economy" direction of development, there are a lot of the actual situation, and intertwined with marketing activities more and more deceptive allure.
According to the Huanggang City, Hubei Province Public Security Bureau of Economic Investigation Detachment Xu Aidong introduction, from the investigation in recent years, the cases of illegal fund-raising, has both direct and indirect sales also solicit depositors high interest products, both have virtual investment industrial development. Such as Hubei Macheng occurred in case of illegal deposits from the public, Hubei Lan Xiang real estate development limited company of Macheng in the development process of the Mixc by Lan Xiang, member of the company promised to pay high interest to the community in the form of illegal absorbing public deposits amounted to 2 million yuan, due to funding strand breaks, unable to pay the principal and interest in a timely manner. Shanghai Yi hum Cci Capital Ltd is through the network to attract investors to the virtual investment, lead to investment capital.
The more active new illegal private financial activities, including investment banking, Internet financial institutions operating beyond the scope of illegal absorption of public funds, collections, savings by selling foreign funds or the original shares nearly 20 kinds of fraud.
Illegal fund-raising mainly concentrated in non financing guarantees, third party financial management, wealth management, P2P network lending institutions, private equity funds and other private investment and financing intermediaries. Involved in illegal fund-raising mechanism in investment banking, private equity funds, equity investment is the name of the main transaction and product structure, promise no risk, high income, fictitious investment or loan subject, the development of new investors to achieve artificially high "profits" adopted by the new old Ponzi scheme to raise funds to non-specific mode.
Shandong police investigation found that a company called "service center" of small and medium-sized enterprises in Yucheng City, since 2014 more than 150 households illegally absorbing public deposits totaling more than 2000 yuan, for foreign short-term loans, resulting in more than 1500 yuan of funds can not be recovered.
It is worth noting that the characteristics of illegal fund-raising and direct marketing are closely related. MLM brainwashing gathered popularity, increased customer stickiness, more deceptive, seductive. Hubei Province, Huanggang City Public Security Bureau of Economic Investigation Detachment 2016 cracked AC compound "case, the suspect using the AC compound system" website, form and QQ group, WeChat group and other network online channel through word of mouth under the traditional line, foreign false propaganda, to lure people to buy "AC gold" (virtual currency). The development of the case about 25 thousand members, 46 levels of personnel, involving funds amounting to more than 100 million yuan, members of the distribution of Hubei, Wuhan, Enshi, Huanggang and Sichuan and other provinces and cities.
Shandong Province, Dezhou City Public Security Bureau of Economic Investigation Brigade battalion Liu Min said, criminals use network marketing profit faster to convenience, has registered account offline delivery invitation code, required offline through their own circle of friends, WeChat micro-blog, QQ group released information, and issued his invitation code, recruiting new members. When new members register, they should fill in the invitation code, and the criminals will raise the grade of offline according to the number of new members invited by the downline. When these behaviors are combined with public finance, they become more complex.
In addition, such complex financial crimes involved in the spread of rural trends. According to Shandong Province, Weifang City Finance Office chief financial stability Department Fan Jinlai introduced, because now the police crackdown on urban financial crime more financial support to get the city more than the countryside, some e-commerce institutions began to relocate to rural areas, to the elderly population penetration. Different forms of folk financial interaction intertwined, so that the hidden strong folk financial activities become more complex, so that the masses can not distinguish.
According to the Chongqing municipal public security departments for investigation, the contradiction in rural areas the shortage of funds, poor financing channels are more prominent, agricultural development cases of illegal fund-raising areas began to mount. Involved in the field of cultural education, private equity, financing guarantees, environmental protection, science and technology and other areas of proliferation, under the banner of "new economic formats," "financial innovation" guise fund-raising cases rise. At the same time, the financing channels from the bank counter to the third party payment platform, POS credit card transfer, foreign payments to online banking operations based, increasingly covert means of means.
Banner of "government" and "innovation"
Shandong, Dezhou, Weifang, Hubei, Huanggang and other places the police, some unscrupulous private financial activities are often under the banner of "Internet plus" support "environmental protection" and "national key investment projects", the expansion of local investment, local economic development and the banner, damage the government reputation.
Liu Min told the Economic Information Daily reporters, in recent years, police all over the country continue to crack down on illegal folk financial activities, but still can not keep up with their "innovation" pace. "Often a form has just been exposed, the problem has been discovered, and immediately changed, and evolved into another form, becoming more covert."
In February 2016, involving 16 provinces and cities, fund-raising fraud amounting to 9 billion 950 million yuan, and the number of victims amounted to more than 23 people in Guangdong "state home" fund-raising fraud in Guangzhou City Intermediate People's Court of first instance verdict. Reporters found that criminals under the banner of "innovation", many victims cheated bankrupt, and invited many leading cadres to participate in propaganda activities, serious damage to the credibility of the government.
Victims of the "state house" come from all parts of the country. More than the victim told the economic reference news "reporter, they both feel fooled, because the financing lease is" trendy ", can make money, but also because of state companies for publicity, invited many leading cadres to the scene.
A victim angrily said: "the so-called headquarters, logistics company, now a piece of grass, a brick exhibition are not, things are rented, some leaders were invited to participate in activities, that is to encourage the development of emerging industries, they had become a" child care "." Jiangsu Nantong victim Xu lady said, some leading cadres for enterprise "platform", and unexpectedly became liar "accomplice", make innocent people deceived.
The governor of the Bank of Hankou Zhu Yongtong believes that the illegal fund-raising enterprise fund-raising concealment, deceptively strong, traders and the complexity of the legal relationship, good packaging, usually costly, the use of media campaign, establish and promote the positive image to the public; to organize various activities, and cash dividends in the field, generally in the fund-raising stage, often actively "cash" promised return to defraud the trust to attract more people to join, raising the scale exponentially rapid amplification, once the payment problem, involving more subjects, the format of the contract legal professional, investor rights difficult.
Prevention of "fake finance" hurts real innovation"
The industry calls "Internet plus MLM + illegal fund-raising" financial crimes involving a wide range of people, economic loss is not easy to win, but also prone to investors "Baotuan rights". Relevant departments should strengthen horizontal joint strike, vertical norms guidelines, from the legislative level, thoroughly punish stakeholder type financial crimes.
Many of the surveyed industry, public security, finance, industry and Commerce and other relevant departments to establish information sharing and joint strike mechanism, strengthen financial supervision in encouraging innovation, prevent fraud risk, purify the market environment.
First, gateway pre entry, improve access threshold. Grassroots cadres believe that illegal fund-raising is like a snowball, early intervention requires almost no administrative costs, more involved in the night, the stakeholder processing cost is higher, the proposed increase interagency coordination efforts to combat illegal fund-raising, implementation of prior approval for generalized financial enterprises.
Yang Dong, vice president of Renmin University of China School of law, who specializes in financial innovation research, believes that in recent years, many types of financial crimes involving stakeholders have exposed the disadvantages of the Internet financial industry. As the industry access is no threshold, some criminals use loopholes to carry out illegal activities. The securities law should be promoted as soon as possible, and the real financial innovations of the Internet will be clearly defined. Through registration, information disclosure and other pre measures, to develop a negative list, improve the industry access threshold. Otherwise, it will inevitably lead to "bad money drives out good money", and it will damage the credibility of the government and make the masses lose confidence in Internet innovation.
Chongqing Banking Regulatory Bureau He Qiuyun, director of the Department of laws and regulations, involving capital business upstream and downstream enterprises, even if it is broad sense, or should be approved in advance, the stakeholders after the processing costs are high. Specifically, the executives, capital and other should be strictly managed, not in these gray areas so that no restriction of high leverage, while giving the banking regulatory authorities engaged in illegal banking financial institutions investigation rights.
Guangdong wins Lun Law Firm lawyer Zheng Ming suggested that the regulatory authorities to new phenomena, new things to carry out legal risk assessment, to prevent blindly follow the trend, damage the credibility of the government. Chongqing industry and Commerce Bureau suggested that the business sector at all levels to further increase investment, financing, consulting companies registration, management, publicity and other activities, supervision work after the event.
Two is horizontal joint strike, vertical norms guidelines. A Financial Cadre in Shandong believes that there is a lack of supervision and management. Some criminals one concept, scope of business, but in the actual supervision process is more difficult to find, can not form a cohesive force coordination supervision.
Huanggang City Intermediate People's court vice president Ni Guiwu, deputy secretary of the party, that the judicial administrative departments are currently in the beat boxing, Joint Disciplinary joint meeting is ineffective, lack of powerful means "one or two times a year, not the tough measures to solve key problems. Many major cases, in fact, the government departments can predict in advance, in advance to prevent, industry and commerce, taxation, business, quality inspection departments can know their production conditions, the risk of enterprises should be early warning to the community. At the same time, the financial sector early monitoring of large sums of money into the abnormal situation, can be found in a timely manner."
Yang Dong suggested that horizontal to enrich the regulatory power, office of Finance and commerce, public security, by letter and other departments jointly supervision, the establishment of information sharing, joint action mechanism, to combat the "Internet plus MLM" financial crimes; vertical to the establishment of a database system of Internet financial innovation, open sharing of data, timely guidance Industry Association think tanks, sound, and let people know what is the real financial innovation.
Grassroots cadres, straighten out the relevant departments, from the national level, the relevant departments to further rationalize the functions and responsibilities, responsibilities in the management of existing separately at the same time, the formation mechanism of mutual communication and coordination.
Three is legislation, multi-level multi-level marketing, to prevent the financial risks involved increased. Weifang City Public Security Bureau of Kuiwei Bureau of Economic Investigation Brigade captain Xia Honghai said: "the relevant judicial interpretations, achieve MLM level and levels in more than three in more than 30 people, criminal responsibility shall be investigated of the organizer, leader. Domestic outlaws to circumvent the law, each person to 29 people will stop, the total number is still large, but the police are subject to the law, want to play." He suggested that from the legislative level to increase the crackdown, we can learn from the experience of other regions, as long as the development of one person can pursue criminal responsibility, effectively curb pyramid schemes. (reporter Mao a bamboo wing Xu Haibo Zhang Min)
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