"National endowment is participated in " " appear on the market the company buys a share " " famous wind invests " ... many P2P nets borrow platform ballyhoo its are lofty go up " setting " . Borrow a domain as near future net form of layer upon layer flower packs a few platform by debunk, exposed a variety of random elephants of investor of misdirect of false conduct propaganda.
Dissolve a net to shift industry risk to be on guard, relevant section near future publishs policy often. The personage expresses related bureau of protection of rights and interests of consumption of finance of Chinese people bank, sale of activity of business of ad of illegal to hit and be being banned finance, normative finance is publicized, the working strength of superintendency branch can be strengthened only won't weaken.
One, draw near " national endowment "
1, propagandist case
(1) problem platform is publicized phonily, 10 thousand yuan of investment are weighed " national endowment setting "
"Billion country endowment, b annulus financing, national endowment setting, more be at ease! " project exceed the time limit appears by July oneself, in some Hangzhou Internet the government-owned net home page of leasehold platform, this catchphrase is very marked still.
(2) involve fund
Introduce according to net of this platform official, this platform accumulative total has clinched a deal one billion four hundred and ten million and sixty-five thousand four hundred and eight yuan, just obtained financing of 2.3 billion yuan of D annulus, allege orgnaization of national endowment setting participates in investment. As we have learned, enterprise of the share below this orgnaization banner ever only contributive participated in an investment that is aimed at this company 10 thousand yuan, amount to invests stock 0.000065% . The reporter understands, local finance superintendency department has intervened in the processing of problem of exceed the time limit of this platform item. .
2, the excessive outside the risk
"National endowment setting, more be at ease " " national endowment becomes a shareholder, platform safety upgrades again " ... " national endowment is " the propagandist sale point that already made many P2P nets borrow platform to be fond of. "Leave no stone unturned of a lot of platform and big company produce correlation, provide substantial content of collaboration far from. " senior researcher Dong Ximiao says academy of finance of heavy this world of Chinese people university, the near future, below the setting that sends in frequency of risk of industry of each other gold, many relevant enterprises by embroil among them, a few nets borrowed the excessive outside platform risk to arrive other sphere.
3, user psychology
"In investor eye, the net that has national endowment background borrows platform should relative safety, even once platform goes abroad a problem to be able to search,somebody thinks endowment company disclose the whole inside story. " Dong Ximiao says, grip investor this one psychology, a few aptitude not national endowment setting is the platform fiction of beautiful him credence endorses, flicker investor.
2, beautiful type is packed
Beautiful type packs misdirect investor
Besides " draw near national endowment " , many Internet finance platform are attract investor eyeball, obtain credit, leave no stone unturned undertakes packing, a road of consumer of misdirect of put to good use.
1, false actual strength
False actual strength, allege national endowment setting, famous appear on the market company or wind are devoted, actually " talk big " . If ran 2017,the constant of the road borrows a net, on the controller after two months breaks the string couplet, its are so-called " national endowment setting " clear, never had invested constant to borrow a net, firm stamp, business charter is risked to use.
2, the holiday puts a valve
The holiday puts a valve, allege the bank puts safety of assure card capital, actually " a mere scrap of paper " . If the country of the road runs to be filled with gold to take by 2017, profess to have kapok city the capital of the commercial bank puts safety of assure barrier capital, but bank respect expresses, although had signed fund,put tubal agreement but not enlightened service.
3, the holiday assures
The holiday assures, allege well-known company, assure the company offers sum to assure, remove less than assuring actually action. Ever appeared like net of silver-colored 2015 beans project of 20 million yuan of exceed the time limit, assure Cheng Xiang of the source in the company was not fulfilled assure agreement, reject acting countervail.
4, false promises
The holiday is affirmatory, allege maintain this high income, it is actually collect money illegally for bait with high interest. Be like this year in January, project year leasehold platform announces the clever bird network that changes accrual to be as high as 18% for a time clear dish, because this company president is suspected of absorbing public deposit blame illegally to be detained by Shanghai police criminal. Police says, clever bird undertakes all the time " borrow return newly old " Pang fraud, cannot achieve accrual commitment at all.
5, false wind accuses
False wind accuses, allege compose built bank level wind to control a system, actually wind accuses a branch to exist in name only. The cast domestic platform that is investigated by put on record of Shenzhen classics detect like the near future, its ever issued a large number of false mark thick and fast before producing a problem, offer a channel from be in harmony for new partner.
3, illegal conduct propaganda
The in monitoring discovery of association of Chinese Internet banking in the near future, be suspected of breaking the law violate the advertisement of compasses to link many about 300, occurrence frequency of relevant and sensitive keyword is made an appointment with many times 700, involved ad releases agency to make an appointment with 10 thousand. These violate compasses advertisement conduct propaganda to be included more " high income " " protect this " " do not look sign a letter " the keyword that waits for a type, be short of the clew that breaks pair of relevant investment risks, put in the propagandist behavior of revulsive finance consumer.
4, superintendency policy
Come on stage often be on guard risk policy superintendency strength can be strengthened only won't weaken
1, superintendency policy
Dissolve a net to shift industry risk to be on guard, relevant section near future publishs policy often, from " the baleful behavior abandoning debt of borrower of platform of severe blow P2P " to " the 10 big move that answer a net to shift industry risk " arrive again " 108 whole nations are unified close compasses level " , promoting a trade forward dovish, benign way develops.
2, industrial and commercial superintend
Regard Internet banking venture as the serious content of special punish, administration of Internet finance ad also is being strengthened ceaselessly.
In fact, in April 2016, former industrial and commercial seventeen branch such as total bureau combines dispatch, inside countrywide limits deploy begins special punish to work, mix to Internet finance advertisement be engaged in financial activity behavior in order to invest name of conduct financial transactions undertaking centralized clearing punish. Of the same age in October, of print and distribute of general office of the State Council " special repair work carries out Internet banking venture plan " made clear advertisement of Internet finance domain to publicize action further, the regulation must not undertake undeserved conduct propaganda wait to financial product and business.
3, superintendency achievement
In a series of policy the tie falls, internet finance advertisement violated the bad the look of things of compasses activity develop to get effective keep within limits. Data of statistic of association of Chinese Internet banking shows, the near future is suspected of violating the advertisement measure that violates compasses conduct propaganda to had dropped apparently, released an amount to make an appointment with 270 thousand in December 2017, released an amount to make an appointment with 20 thousand in March 2018.
4, face difficulty
"Current, system of system of Internet finance advertisement had be notted build, from orgnaization of course of study relevant management activity is lacked clear, specific standard and guide. " Li Dongrong of chairman of association of Chinese Internet banking says.
"Normative finance needs much branch to coordinate from conduct propaganda of sale of orgnaization of course of study. " Dong Ximiao expresses, increase in the superintendency branch such as industrial and commercial, finance hold while supernatural power is spent, network management department should be strengthened be opposite of conduct propaganda of kind of financial company website examine, castigatory strength, media also should increase pair of identifying that the enterprise publicizes kind of finance phonily ability, do not provide transmission medium of communication to false conduct propaganda.
