May 15 is mechanism of public security of the 10th whole nation hit and be on guard economic crime publicizes day. The blow this year and be on guard in economic crime job, the P2P platform that is suspected of collecting money illegally made the focal point that the Ministry of Public Security pays close attention to.
According to data of door of the Ministry of Public Security, come since 2018 2019 first quarter, mechanism of countrywide public security stands to collect money illegally in all, pass annul etc experience is numerous model economic crime case is close 19 thousand, experience record amount 410 billion yuan, detect case of department superintend and director successfully nearly 40 cases early or late, destroy great cross area crime network more than 200, investigate and deal with sb lawfully collect money illegally guilty platform more than 400, be at large more than 60 from 16 countries and area personnel arrest goes back to the motherland.
Besides increase to collecting money illegally outside the blow strength of the case, the expert that the Ministry of Public Security also invited relevant domain is farther in lecture activity the common crime gimmick that discloses P2P net to borrow platform to be suspected of collecting money illegally to masses, detailed introduction is prevented cheat knowledge and save oneself skill.
Do not rely on chart platform to He Pu alls over a feature?
Jin of Li Mei of university of Chinese people public security teachs speak bluntly, what the society develops now is too fast, the rate that we know does not follow to go up the rate that the society grows, if see product presence ask the characteristic with very high cost of big star acting character, operation, do not want easily the money bag that uses oneself.
"According to the regulation P2P platform does not allow to add a letter, do not allow to retain star acting character, do not allow to put in market fund 's charge to form capital pool " , courtyard of law of university of central finance and economics teachs Guo Hua to point out, if discover platform has these to violate compasses project before investment, this platform runs the odds of the road is very big.
"What when investing, should care more is not the stage of interest rate peace that platform gives out register capital, what should care more is who money casts, where does last money go after all " , national department is not couplet to do the silver-colored meeting that keep watch to hit Xu He of blame bureau deputy director general to point out, "To ordinary common people, yield exceeds the project of 6% to be about to make a question mark, those who exceed 8% is already breakneck, once exceed 10% ,be about to make good loss the preparation of total capital.
University of Chinese people public security taught king rhenium to also express same point of view, she says, p2P platform should be place of interpose of a marriage, of the work that marriage interpose place should do is to tell us one party has what advantage, other one party has what drawback, ensure the true exposure of information, so we should understand money after all to join what project, what did platform do to fulfil his duty to investigate before devoted project, the accrual that platform gives out whether of the enough platform that prop up move.
Does the P2P company that is suspected of collecting money illegally have why common " pack " gimmick and run way?
Experience of bureau of detect of classics of the Ministry of Public Security is numerous model economic crime detect investigates green hill of Lu of deputy director general to say, hit appear on the market company setting, cast keep the specified number tall, star Dai Yan waits is the groovy method that P2P platform ego packs. Among the process that handles in the case, illegal element still can use take on lease high-grade office place, denounce is gigantic endowment extend on mainstream media advertisement, commitment is large the method such as sports match. Have a few platform more policy of intended and misinterpret country, hitting the banner with financial innovation pilot country to pretend to be new job condition, or industrial and commercial register the approval that says to concern a section via the country to wait. However final essence is to borrow return newly old, tear open east the wall fills on the west the Pang fraud of the wall.
"More circumstances in reality are, common people sees after the kin friend all round earned money, come in great numbers, and actually, what platform uses is hind enter the accrual that the money of investor goes propping up the investor that enters first " , king rhenium say, if pass cursory consideration, the operation cost of platform has achieved 30% above, what kind of business does this platform do to you can exceed the yield of 30% ?
Teacher of Li Mei Jin complements, see gotten high interest, it is not merely hind the capital that entering investor complement comes in, however oneself capital, the investor of platform of a lot of ran enjoyed one fraction usury to lead only, but final losing is major capital.
"Actually, a lot of P2P platform that are suspected of collecting money illegally can think method buys empty shell company, in order to issue false financing mark " , subsidiary military unit corresponding to a company of group of detect of classics of substation of area of the Milky way of Guangzhou city public security bureau grows Introduction Cheng Wuming, according to at present market level looks, the empty shell company that buys to contain a series of formalities such as card of aegis of business charter, U, bank, 6000 yuan or so enough. Platform of a few P2P uses the name of these companies to put prize borrow or lend money on platform, the fund that borrows can be committed a crime suspect show through taking for a short while or turn multilayerly Zhang means, move arrives in account of him pilot bank.
Finally, lu green hill is summed up, if all P2P go according to strict definition the word of operation, all legal impacts and legal liability produce between lender and borrower, the P2P platform that regards information as intermediary is not to assume any responsibility to produce Bao Lei situation impossibly also. Why is P2P platform met Bao Lei? The deviate in the process that they are developing the fixed position of message medium, the capital of investor by " hold back " . From be investigated at present and hit a circumstance to look, the circumstance that the net borrows platform cruel thunder somewhat hasten delay, but the contradictory problem of this trade deep arrangement has not been solved, put quantity case to dissolve at present slow, increment risk scope is vast, have the monomer with a few vast scope especially, still be in the condition of out of control of a kind of risk, we are returned to this industry at present is the attitude that keeps more careful.
