[Direct Reporter Beijing, June 14] (Beijing Commercial Daily) After the MMM Mutual Aid scam, various types of mutual help Ponzi schemes have emerged one after another. Recently, the Beijing Business Daily reporter has noticed that the IAC scam that is known as the first "ant colony propagation" model has spread widely in social circles. A survey conducted by the reporter found that IAC’s daily income was as high as 2.8%, and that the funds were collected in the form of cross-payments and pulling the head. Due to the recent exposure of the IAC scam, the model will be renamed to ADC and will be back online with the help of a new virtual currency coat. In the opinion of analysts, the practice of similar fees, high returns, and pulling people's heads is actually a typical routine of the Ponzi scheme.

 

Claimed a daily gain of 2.8%

 

"I am an IAC ant colony dissemination advisor, IAC ant colony dissemination has just come out new projects, as a dark horse in the financial sector, gathered all the way thousands of people team big coffee promoted projects, the current market is blank, if you micro-business bottleneck period, The fast-paced mutual help crashes a large number of people and can't find a suitable investment. You can try the IAC ant colony transmission with low investment and 0 risk. Recently, the Beijing Business Daily reporter noticed on the social platform that there are many such IAC ant colonies. Spread the news.

 

An extension worker introduced to the Beijing Business Daily reporter that IAC is an advertising promotion platform. IAC (I AM CLOWN) is a public welfare organization that helps ordinary clowns realize their dreams of creating wealth. It was founded in February 2016 in the United States and has operations in more than 70 countries. IAC is known as the first "ant colony propagation" model. Through each clown's social circle as a platform for paying companies and all kinds of advertising to do the task of communication, so that each clown's social circle becomes their own cash machine.

 

However, the Beijing Commercial Daily reporter inquired according to the business license sent by the promoters that the main operator of the IAC model was Hangzhou Clown Network Technology Co., Ltd., which was registered in the business information display on January 3, 2018. In April of this year, it was included in the list of business anomalies due to the fact that "there is no way to contact the registered residence or business premises."

 

In the operation mode, IAC new registered users need to pay 200 yuan to the recommender before they can be activated. After they are activated, they can log in to the App. After the activation, the account returns 0.2 dream seeds (400 yuan). To make money on the platform, users must first receive a communication task and get a dream catalyst after meeting the requirements. With the dream catalyst, you can buy dream seeds, a dream seed 2000 yuan. According to different membership levels, seeds grow at a rate of 1% to 2.8% per day (ie, interest). Membership levels are based on the size of the funds invested. After 7 days, they can be harvested. If they are not harvested, they are forced to harvest after 21 days, and they can be sold after harvest. Seed recovery. In addition to the above static income, dynamic benefits will be given based on the number of people drawn.

Business model with MLM characteristics

 

"Participants of the IAC platform have advertisers (brands), spend money on the platform to distribute advertising communication tasks; operators IAC, provide advertisers and advertisers with a trading platform, operators do not involve three parties (the second advertising () The funds transaction between; advertising communicators (users) need to share the advertisements to social circles (WeChat, QQ Space, Sina, Facebook, etc.) to get the pageviews and likes (only one task requires eight browses, one "I like it." The above-mentioned promotion staff also told the Beijing Business Daily reporter: "Unlike those who engage in fund-raising, dividend-paying, and putting money on the inside to wait for profits, IAC's most reassuring thing is the location of funds. At present, there are more than 200,000 members of the platform."

 

For the above model, Wang Deyi, a lawyer of Beijing Zhenzheng Law Firm, stated that the State Council's “Passing MLM Regulations” stipulates that “The following acts are pyramid schemes: organizers or operators pass through development personnel, require developers to pay fees or subscribe for goods, etc. Disguised fees, access to or the development of other personnel to join the qualifications, gaining illegal benefits. "The above operating mode, from the on-line development of the next way to pull the head, to take a double reward model, its business model with the characteristics of MLM. In this model, participants are not concerned with the product or the service itself, but the number of offline lines it is developing. The so-called gains from publishing ads are likely to not support enough advertising tasks. Before the industry, there were many Internet platforms that used similar methods to develop customers. Later, they were investigated by the relevant public security organs.

 

"Mutual advertising" became the new girl

 

For analysts, social advertising marketing is becoming the new coat of mutual aid scams. At present, many new types of scams use fund-raising to share advertising with friends, and the general characteristics are to pay for membership. In the opinion of analysts, the practice of similar fees, high returns, and pulling people's heads is actually a typical routine of the Ponzi scheme.

 

In fact, Qian Baobao also used advertising marketing to absorb gold. Qianbao.com claimed to collect commissions for merchants, attracting user registrations in the form of “seeing ads and earning extra money” and clicking on advertisements, thereby promoting merchants and promoting products, and finally achieving advertising businesses, Qianbao.com, and registered members.” Win-win situation.

 

Although the routines are similar, consumers are frequently fooled. A deceived investor Li Xue (a pseudonym) told a reporter from Beijing Commercial Daily that in December of last year, under the introduction of a friend, he paid 288 yuan to join an advertising company named Tianan, which was later pulled into a WeChat group. At 9 o'clock in the morning, three advertisements will be sent to friends. In the afternoon, the group leader of the WeChat group will transfer a promotion fee of RMB 20. In addition, each member who pulls in a member will receive an award of RMB 88. The 88 yuan reward is actually deducted from the 288 yuan membership fee.

 

Li Xue also said frankly, "This type of model may be a sham, but the 200 yuan investment is not much, the loss can not be much money, you can earn 20 yuan a day, more than 10 days you can return to this." It is reported that under the introduction of Li Xue, five relatives and friends have become members. However, the good times did not last long. It was not until this year that Li Xue’s group was dissolved and the ad group leader disappeared. Li Xue said that although there was no loss of principal, the trust between friends was lost and it was not worth the candle.

 

In fact, such scams appeared two years ago. According to a case of an ultra-structured organization MLM conducted by the People’s Court of Yi County, Huai’an City, Jiangsu Province, in May 2014, the defendants Chen and Zhao quickly developed offline Xu and other 80 people in the Shu area, and the hierarchy reached More than six floors, the amount involved more than 200 million. As the organization continues to expand, the MLM network has spread throughout the country. By September 2014, the defendant Chen had distributed approximately RMB 102 million of the 400 million yuan of MLM funds collected by Micro Media’s MLM organization.

 

According to briefings, the company claims to be a wholly-owned subsidiary of U.S. Telecommunications and Advertising Interactive IAB. The company’s administrative headquarters is in Hong Kong, China and its headquarters is in Malaysia. The company claims to have created a "personalized interactive advertising distribution model that effectively links advertising franchisees, advertisers, developers and advertising audiences." Advertisers invest money in advertising, and their company is responsible for finding audience goals. On July 22 of that year, the Ministry of Public Security issued a newsletter on the official Weibo website that said “microviewport” is an online MLM.

Variant scams are repeating themselves

 

According to a further investigation by the Beijing Commercial Daily reporter, as the IAC scam was exposed in the near future, the model will be renamed ADC and will be back online with the help of the new virtual currency coat. From the IAB to the IAC to the ADC, such scams are constantly being staged through simple variations.

 

The Beijing Business Daily reporter is concerned that the IAC App is currently unavailable for download. According to the above-mentioned extension staff, “In order to better avoid risks, IAC will be renamed as ADC and will be adjusted in June in response to App’s presentation. The pattern of buying and selling seeds will be changed to the mining machine model (all systems, revenue, and structure). No change, only the change of nouns. Each member becomes a mine owner. This is an ecosystem that all citizens can participate in."

 

According to a reporter from Beijing Commercial Daily, although ADC has introduced the concept of virtual currency, the operating mode is the same as that of IAC. Wang Deyi stated that with the development of the times, the management methods of MLM are constantly being "refurbished." From the past, the restrictions on personal liberty have not been limited to personal freedom, and the spread of space has also been diversified by mobile phones and Internet channels. The people lack the ability to distinguish, so this type of transaction will not disappear in the short term.

 

Lu Nan, research director of the Sack Research Institute, said that the IAC model is a typical pyramid-type MLM model, with a maximum annualized static income of 1022%, as well as a “recommended reward” mechanism, which is an incentive mechanism for pulling people and rewarding each layer. Its essence is the Ponzi scheme of "returning the old and the new". It is a kind of fraud under the name of financial investment. It is characterized by "removing the eastern wall against the Western Wall" and "empty gloves and white wolf." In short, it is to use new investors' money to pay interest and short-term returns to old investors to create false illusions and defraud more investments. Many illegal MLM groups use this move to gather money.

 

In fact, previous MMM mutual aid communities, YBI financial mutual assistance, and WEBANK mutual assistance platforms have been repeatedly exposed, and regulators have repeatedly issued warnings. However, under the temptation of high income, investors are still involved. Huang Zhen, a professor at the Law School of Central University of Finance and Economics, said in an interview with the Beijing Commercial Daily reporter that most of the so-called financial mutual assistance models use online communication. Replacing a name and gameplay can lure investors back into the game, leading to repeated financial scams. If it is difficult to completely eradicate it by relying on the crackdown of a regulatory agency, it must be coordinated by multiple departments to form a concerted effort to crack down.

 

For an endless stream of Ponzi schemes, Lunan said that on the one hand, the fraudsters are smart and continue to create concept packaging scams, especially the scam hidden in the concept of technology. The anti-reconnaissance anti-impingement capability has gradually increased. The core team does not involve scams in foreign countries. All the worst plans and risk avoidances have already been done. To a large extent, the scam vest can continue to operate. On the other hand, China's financial products are monotonous and the development of the financial market is seriously lagging behind. There is a serious shortage of investor education. Many people have a certain gambling mentality and believe that other financial products besides stocks have low returns; at the same time, Chinese household financial knowledge is lacking and risk awareness is weak. There are problems in the supply side of the financial market, and the scale of financial products such as funds and bonds that the market offers to individuals for investment and trading are more moderate and the risk is moderate. Therefore, on the one hand, the market lacks a safer and more effective investment channel. On the other hand, the Chinese family generally lacks risk awareness, and thus a similar Ponzi scheme can flourish.