2016-09-18 16:01
＂Wolf＂, suspected of illegal pyramid selling case revelation of anti money laundering
Case: carefully packaged illegal electricity suppliers MLM
[direct reporting network Beijing September 18th news] (Internet financial network MP) with the rapid development of e-commerce, marketing organizations have also put on this gorgeous coat. The A began to carefully packed in the beginning, online and offline publicity is a company engaged in agricultural planting, development, production and sales of environmental science and technology company, claiming that their products is a natural green health food, and have their own professional cultivation, production base and patented technology, through the get a lot of honor to participate in the expo. Particularly eye-catching is the company has been listed in the equity of Shanghai hosted equity trading center of small and medium-sized enterprises quotation system, is to be listed on the company, investors can buy original shares or equity fund, to obtain a high return on investment.
B, disguised as a rich cultural heritage, and through the guise of "filial piety", claimed that drinking A products enjoy a green and healthy way of life, can help people live longer, consumers should also let the children the elderly share a better life, so as to realize the love children, take care of their parents, to. Consumers as long as the investment of 2800 yuan can be a special dealer and agent A products, and has the value of 57 thousand yuan of product sales, by the development of 3 people to join the company can get a static dividend. If you want to get more bonus, going through the development of more referrals to enjoy the qualification award, award, prize, gift development qualification grading award, highest can obtain 260 thousand yuan of dividends.
In fact, the two companies as the legal representative of Chen Moumou, financial personnel is the same person, they intend to encourage people more than 50 years old to participate in the investment, at the same time, the two companies said the signing of a cooperation agreement with a bank, trying to let investors think the company norms have the strength, and require all investors to open an account in a the bank, through a bank and bank B unified rebates to investors.
Soon, a number of branches in the bank and bank B are more than 50 year old people appear to account for the elderly. Although they are not familiar with the mobile phone banking and Internet banking and other functions, but in the account after the initiative to apply for open eyes, eyes full of joy and hope.
In the face of some fanatical customers, bank outlets staff began to alert, professional sensitivity to their enthusiasm and patience with old customers to pull up. With a number of older clients to talk exchanges, the staff learned that their account is to invest in B, and want to invite relatives, friends and neighbors to join the best investment, also let relatives and friends mobilize people around to participate in the investment, the effect will be better. Some bank was alert, carried out the investigation on the B company, found the money in and out frequently, the cumulative turnover reached 100 million yuan; and through online banking customers to pay wages, single on behalf of thousands of people, the total amount of more than three thousand yuan.
Both banks are preliminary judgments, A and B companies may be suspected of using the Internet to engage in illegal marketing activities, they immediately submitted to the people's Bank anti money laundering focus suspicious transaction reports. Upon receipt of suspicious transaction reports focus after the money laundering department immediately carried out analysis, combined with the suspicious behavior of customer identification and transaction characteristics and have been found, consider the possibility of two companies suspected of illegal pyramid selling, then immediately asked the two banks to report to the public security organs, with the suspicious clues to the Public Security Bureau of Economic Investigation Corps and in a timely manner; to commercial banks issued a risk warning, require banks to quickly carry out risk investigation, start the emergency response plan for the discovery of suspicious circumstances, to do the work of propaganda and explanation, to prevent the occurrence of mass incidents. After receiving the report, the public security organs, quickly put on record, and successfully cracked the case, has arrested 5 people involved in the case, including its legal representative, the freezing of funds more than 2000 yuan.
Features: large trading volume, the temptation is strong
This is suspected of illegal pyramid schemes, in the present quite typical significance, and its characteristics are also very representative.
Exaggerated investment potential, encourage participants to develop offline. On the one hand, exaggerated propaganda product value, advocate the company will be listed, with the "focus on health, under the guise of filial piety" for the elderly; on the other hand, a great agitation for participants to develop offline, let it get a bonus, actually let more elderly people become victims.
A large number of middle-aged and old customers to open an account, ignoring the risk warning. A plurality of outlets of two banks are concentrated in the emergence of a large number of old customers card phenomenon, customers take the initiative to apply for mobile phone banking and Internet banking risk, but do not listen to the bank staff to explain and remind.
In the short term capital transaction number, larger amount. The two companies in the account opening occurred after a large number of transactions, the cumulative amount of funding for larger; basic affiliates of large transactions and online banking transfers to individual customers, for individual customers, and repeated the same amount of a single transaction.
On behalf of the transaction involving a large number of customers, and more for remote customers. The two companies have a large number of transactions on behalf of, on behalf of a single customer related up to thousands of people, and many are beyond the company registered customers. On behalf of process, there are also the account number does not match, on behalf of unsuccessful return phenomenon.
Enlightenment: from sleight of hand"
Retrofit MLM model now, but no matter how to change the nature of the pyramid form, "wolf" has remained unchanged. The public should believe that there is no free lunch, not from the days of fall pie, but to the "low investment, high return, private equity, capital operation and other gimmicks to remain vigilant, before the commitment, in the short term high return free vacation, health clinic, agricultural sightseeing. Keep a sober mind isothermal brainwashing, not by MLM trick puzzle. Especially on the need to pull the head off the assembly line exhibition activities, we must resolutely away from and resist, and promptly report to the public security and avoid harm other people, mlm.
In addition, financial institutions at the grassroots level employees to enhance anti money laundering awareness, timely detection of suspicious clues. In the case of successful detection due to the large number of customers in the bank staff found abnormal accounts, patience and customer talk exchanges, understand the real situation, to find clues timely. In order to perform the obligation of anti money laundering, grass-roots staff to use direct contact with customers, improve the sensitivity of customer behavior and suspicious transactions, using the appropriate way to communicate with customers, provide valuable information timely and efficiently.
At the same time, the relevant departments to work closely together for the rapid detection of cases. In this case, the commercial bank conscientiously fulfill the obligations of anti money laundering, provides high suspicious clues intelligence value; the people's Bank in receipt of suspicious transaction reports, the first time to carry out analysis, guide commercial banks to quickly report, and the timely provision of suspect accounts; police decisive attack, rapid detection of cases. In order to prevent and combat MLM and money laundering activities, the relevant departments should closely cooperate, selves, raise awareness of the dangers of the people on the MLM and money laundering, and give full play to the strength of the masses, to win the fight against money laundering and MLM people's war.
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