[straight news network December 3 hearing] (people's daily) over a period of time, a "MMM" financial mutual aid community caused widespread concern in society: on the one hand, the platform is known as can help mutual participation to obtain up to 30% of the monthly returns, making some people in droves; on the other side of the avowed mutual model also allows the public doubt that the possibility of the platform there is a pyramid scheme.

MMM community is what it is how it works? In "by the Russian famous mathematician to establish" "there are 107 countries to participate in", "in Israel, the United States, India and other countries more than 4 years of successful operation," and other aura behind, there is no other secret?

Static income a day to earn 1%

MMM community is the most striking, is known to reach 30% monthly return. Reporter's inquiry into the MMM community website that MMM community provides technology basic plan, in the global scope for donors and recipients, and continue to deliver its aid. All of the funds are from the participants, and each aid cycle is 15 to 30 days, in the freezing and waiting period, 1% of the interest every day.

In order to more accurately see the operating process behind the MMM community, the reporter contacted the MMM community, who lives in a prefecture level city in Hunan. The screenshot MMM community website sent Ms. Tian's mobile phone, you can clearly see every transaction of her participation in the MMM community.

Ms. Tian introduction, when the completion of the registration, she chose 1 yuan as the first time to help the amount of MMM community platform to start matching. After the success of the pairing, the system sends a notice to Ms. Tian, which has a detailed account of the collection, contact information and information. The so-called leader is your superior, the system will give you automatically assigned one. If you do not fill in the MMM community leaders, the account will be closed, the money will not come back." Ms. Tian said.

Then what is the leader, what is his role? Ms. Tian said that leaders and introducer is MMM community systems which are more important two identity, references will be responsible for the newcomers into the MMM communities and leaders as a link allows participants forming a pyramid structure. "I am the introducer line now, the investment of 1 million dollars, there are 1000 dollars for his." Ms. Tian said, the introducer can only take one of the Commission, leaders can get more.

"I have more than 20 people, four people have joined the MMM community, heard my references are more than 100 referrals, each month to do can earn tens of thousands of dollars." Ms. Tian said, in fact, their on-line also encouraged her to hustling, Dora a person to be able to earn a lot of money, "but they haven't engage understand this thing or not Homo in".

On the MMM community website, Ms. Tian's introduction has been confirmed. Web site, in addition to 1% of the static revenue per day, the MMM community can also get two types of dynamic revenue. One for 10% of the direct recommendation award, another is the four generation of management bonuses, respectively, 5%, two, 1%, three, four, 0.25%, 3%.

In Ms. Tian's account, the reporter saw the first offer to help the inflow of 1 yuan of funds into 5 accounts, the amount was 1500 yuan, 1270 yuan, 2100 yuan, 1580 yuan and 3550 yuan, respectively, corresponding to 5 trading numbers and 5. And click on each transaction, you can also see more detailed information, including bank name, account information, real name and phone number, etc.. Ms. Tian told reporters that the amount of money into the above account, contact each other through the phone to confirm receipt of money. Ms. Tian will transfer records to upload screenshots and to the MMM community website, through the audit to obtain 1 million dollars, groom.

After 14 days of waiting, Ms. Tian Mafu Luo currency freeze over. Then she put forward "get help" application, at this time, her account display for the amount of aid to 11500 yuan. After 3 days of matching, Ms. Tian received a total of 11800 yuan from 5 yuan of mutual aid funds. "More than 300 dollars a day, because more than 3 days, 1%." Tian added.

So far, after 18 days of time, Ms. Tian's 1 yuan of principal into 11800 yuan. Then, Ms. Tian put 11500 yuan, second cycles of transactions. And after a month in the participation of the MMM community, Ms. Tian also received about 50 yuan worth of 320 yuan reward.

Similar to pyramid schemes, the four departments jointly issued a warning

Simple operation process, high returns, once let Ms. Tian very excited. But, suddenly one day, a doubt hit her: "also did not see a person to do business, how is the money more and more?" In this regard, the MMM community website is given to explain that the value of cash flow to be generated.

Beijing City, said Li Ya, a partner of the law firm, said the traditional Pang's fraud, the money is generally derived from the new investors to the original investor's capital contribution, rather than from the value of funds created in the real economy. "The scheme of a large number of investors often with abnormal high returns to investors to join, once the new investors to reduce or stop, the business model will collapse." Li Ya said.

Li Xu, a long-term engaged in the anti pyramid schemes activities, said, the structure of the capital structure is very unstable, once the funding strand breaks, due to funding has been digested in the middle, the bottom of the participants will suffer major economic losses. In addition, Li Xu told reporters, because the identity of the MMM community leaders to make the whole participants on the formation of the relationship, and leaders can be based on the number and the number of sales and marketing, so has a clear pyramid characteristics.

In the interview, some participants said, in fact, I also feel that the MMM community should have a problem, which has such a high income. However, high income is too attractive, so want to make a go, never thought of long-term investment".

"Anyway, not a few rounds of the principal can be made out, and then only the proceeds to play, do not worry about it." One participant said.

Since November 11th, the CBRC, the Ministry of industry, the central bank, SAIC for the two consecutive issued a risk warning announcement, saying the recent domestic and more to the name of financial cooperation, the commitment to high returns, to lure public investment behavior. Such behavior is common names including "x x financial assistance community", "* * financial cooperation platform" "x x financial financial assistance" "* * mutual community", the behavior based on the Internet, websites, blogs, micro channel, QQ and other platform through publicity, affected a wide range.

Risk warning announcement said that the operation mode of such a violation of the value of the law, the capital operation is difficult to maintain long-term, once the funding strand breaks, investors will face serious losses. The relevant departments for the public to effectively improve the risk awareness, rational and prudent investment, to prevent damage to the interests of. At the same time, the control of illegal crime clues, can actively reflect to the relevant departments.

In order to expose the scam as soon as possible, to reduce the loss of the later, the reporter took the lead on the way to set foot on the road. Please pay attention to the following report.

Chain connection

According to the MMM financial mutual community website, the community to enter China in May this year, the official start in April.

According to the website, the mutual participants must to Mafu Luo currency this website internal currency as the carrier, to other participants in the payments, known as "help" namely buying Mafu Luo currency; money is obtained by the other participants, known as "get help that sell Mafu Luo coins. According to the regulations, mutual between participants in each aid amount of between 60 yuan to 6 million yuan RMB and get corresponding to the amount of the Mafu Luo coins.

In addition to the trading rules formulated, mmm community also to participate in the degree and frequency make strict rules, such as "to match the success of no time to play money, the account will be frozen; two weeks not recommend a friend is not involved in the pending donations, the system will delete account".

According to media reports, the server located in the main site of the MMM community in Ji'nan City, Shandong Province, the Ministry of industry and the Ministry of the record data show that the MMM community in China, the main site is not registered in the Ministry of industry, according to the Internet information service management approach and other provisions, are non law website.

And reporter survey found that the MMM community in the name of the site there are a lot of home, in addition to the introduction of the content is roughly the same, there is no record or information for verification.

Media reports show that, according to the third party data statistics, as of now found a total of 35 MMM related promotion community, 54 promotion sites and 197 micro channel public number and a large number of micro channel exchange group. The reporter in the survey also found that the MMM community sites are not provided with telephone contact, all customer service or back office contact points are directed at QQ.

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