Chinese type invests fraud to be combed completely_News

Article origin: So financial academy

Investing the worst technology is not to earn profit, control a venture however!

From 10 thousand to 100 million the likelihood needs all one's life, but from 100 million to 10 thousand need only however sometimes flashy.

A few case are touched to me particularly big.

The first is the victim of money treasure net, a dean of Nanjing some college, because oneself son buys money treasure product to owe go up ten million debt, final father and son two can't bear weigh, commit suicide early or late. The 2nd is some very famous star, still have a bit be mixed with me, to finance not quite understand, the commendation that listens to others bought millions of P2P, as a result that platform runs later road. The 3rd is a beside me very successful entrepreneur, one day of 2016 tells me suddenly, 50 million invested new 3 board the product closes not to come back, the name of that product I never hear, proof of after the event is bilk.

These a few things let me very astonish, if connect college professor, star, entrepreneur to do not have consciousness to the risk, because the innocent common people that how many must there be in reality steps on thunder and lose a family fortune?

We invest the fundamental class of the risk on the need with whole true society one times. We report this piece today combed trap of main 8 kinds of investment for everybody, analysed their a few general character next, the hope gives everybody a few helps.

Nowhere is not in the risk: 8 kinds invest trap

The history is best teacher forever. Want avoid invests trap, be about to know the investment pitfall in the past first. We summed up the investment case that goes 20 years, main investment trap nothing more than the following 8 kinds:

P2P collects money illegally

P2P collects money illegally, go up in Internet platform namely, use high income to be bait, dummy project information, create capital pool, borrow return newly old, look for authoritative personage platform to endorse, empty-handed covers white wolf.

P2P serves as a burgeoning child, appear oneself road incident runs to be able to be found everywhere since be born, e hires source of benefit of treasure, Xin, campus to borrow, the moon treasure box orgnaization that once fried fervently lives 9 years to run in succession distance stop business. According to the data statistic of the home that the net borrows, run at present road and the P2P platform that are put in the problem amount to many 4000, appeared one year 2016 only the platform of the problem amounts to 1731, the your person of its amount shudders.

Through summary, we discover P2P platform basically undertakes fund raising illegally through 3 kinds of means:

It is a network leasehold platform issues false usury loan mark, send false label even from be in harmony, use borrow borrow the Pang fraud mode that returns dead horse newly, short-term inside a large number of capital satisfy collect oneself capital requirement;

2 it is leasehold platform passes the network to put in the market fund, way that seeks loan target again 's charge first, make put the capital that borrow a person to enter the intermediate account of platform, be controlled actually by platform and control;

3 it is the hacker inbreaks P2P platform, use accumulate wealth by unfair means of website flaw bilk. Among them, the first kind of pattern is most familiar, the E with experience case vast scope is hired treasure, medium the case such as treasure investment all is listed here.

E hires treasure, so-called by the financing of group subordinate the company that rent and project company sign an agreement, hire the form that makes over with creditor's rights on treasure platform to send bid financing in ｅ next, be in harmony arrives after capital, project company pays rent to the company that rent, the company that rent pays accrual and principal to investor.

But its are being hit " network finance " operation of the line on banner, it is bait actually with accrual of high specified number however, dummy financing rents a project, use continuously borrow return old, ego newly to assure wait for means to draw public fund illegally in great quantities, accumulative total trades produce the forehead to amount to many yuan 700, draw fund actually many yuan 500, involve investor to make an appointment with 900 thousand to spread all over 31 province urban districts of countrywide.

Hire treasure president Zhang Min to be explained during be locked up according to E, "E hires treasure is a dye-in-the-wood Pang fraud " , use false project, false tripartite, holiday to assure 3 paces camouflage will make fraud, the project of more than 95% is false. On Feburary 7, 2018, court of the first intermediate people already was opposite Beijing hard gold of Anhui of the accused unit sincere accuse a group, hard gold sincere international dominates number of people in a family of a group limited company, the accused the 26 people such as peace, Ding Dian, Zhang Min make collect money to be absorbed crime of fraud, illegally.

Bourse collects money illegally

Unlike E the empty-handed that hire treasure covers white wolf, bourse collects money illegally to often have certain in kind and merchandise, but can manipulate platform price through control, will certain business packs product of conduct financial transactions to sell to social community will induct capital illegally, affirmatory taller fixed year change yield.

In fact, in Chinese churchyard, only share of medium and small businesses of Shanghai stock exchange, Shenzhen stock exchange, whole nation makes over exchange of gold of exchange of futures of finance of exchange of futures of exchange of futures of exchange of futures of system, Dalian, Zhengzhou, Shanghai, China, Shanghai these 8 bourse are the State Council and card inspect the normal bourse that meeting approval establishs, other all be local government or the exchange that Department of Commerce approves before this. And now, bourse of a few grouse appears like emerge however come in succession emerge in large numbers, allege can short-term win freeboard get one's own back, actually is greedy the treasure that swallowing investor.

Hypostatic project collects money illegally

Hypostatic project collects money illegally with before two kinds illegal the likeness that cover a region, what just invest mark is different. Hypostatic project collects money illegally project of substance of exterior make use of undertakes financing, but the aptitude of hypostatic project often is to wrap those who install, treasures defeats garrulous outside its among them. Hypostatic project collects money illegally have dimensions of case of case much hair, experience big, involve investor to count much characteristic, once case of appalling formic force god, Wu Ying case, girl case, E Er is much Si Fei law collects money the case all list here.

Hypostatic project collects money illegally to be led to likely not only the family broke up, person money the tragedy of two sky, cause the decline of a city more likely.

Once E Er is much this, profess China enlighten do obeisance to, special local product is " Yang Mei is rustic " , the impression that gives a person is high-rise car of bristly, a person of extraordinary powers everywhere, and present characteristic is usurious however cannot call in, sodden poop deck everywhere ghost town. Bai Hao and his Hao Da invests, use namely " Yang Mei is rustic " will braid " become rich quickly dream " , people gets prevail on automatically into decoy, bilk amount is as high as 5.2 billion yuan. The major project that Hao Da invests comes from Yuwujin coal industry. At the beginning of industry of black gold coal holds water extremely red temporarily, hang on the wall of firm office full various government signs and issue concern batch of article and card to illuminate, an album of paintings of the webpage of the company, conduct propaganda also is graph Wen Bingmao, attracted broad investor, put borrow Hao Da to hold a person in the palm to seek a relationship even even, monthly interest the usury of 3% is a tremendous temptation more. Hold water to 3 years of many time August 2011 from March 2008 in, investor grow like a weed arrives Er of another name for Hubei province is much this with Shaanxi the major division county of two city of Yu forest reachs circumjacent area, affect even and other places of Ningxia, Heibei, ground of leap up of bee of each estate personage invests lend capital for Hao Da. But arrived in October 2011, gold of company as a way of is broken finish breath stops to return for catenary this, the height that causes numerous investor immediately is panicky. Assemble of on 1000 people demands repayment before Hao amounts to the door, also have a lot of person a few times to go later E Er is much this municipal government appeals for help, but the answer that industry of black gold coal and municipal government do not have materiality and solution.

Foreign currency trades bilk

Mainland of Chinese law provision must not establish company organization citizen to fry collect, home can fry the normal channel of foreign currency to have a bank only. But many domestic foreign currency trade the banner bunco that platform is hitting abroad to superintend however, common gimmick is accuse through doing town business mechanism to undertake tiring-room holds: The holiday is made on data, some did not participate in foreign currency to trade at all, but it is at the beginning of the user into the market when the benefit that offers gain; Bit more slippery when trade, the dot that makes issue sheet nod with what clinch a deal finally put have difference; Direct even interference trades, the influence trades on the rails.

Roll the fraud of platform of IGOFX foreign currency that paragraph dimensions is as high as 30 billion yuan let investor experience to give " a chit of a girl " the tragedy that pays intelligence quotient tax. In June 2017, the Zhang Xuejiao of total representative of platform of IGOFX foreign currency that was born 1991 coils the money runnings road, nearly 400 thousand investor are made an appointment with 30 billion " be cheated " . The MT4 that IGOFX offerred to be used for this company only to the user trades platform, the user can see his account case after opening an account on this one platform. The user is in when trading, the object entrust asset that can hold dish of him choice in the hand to admire in the heart in 38 when come from world each district, sit Weng Zhili receiving fishing, need not redo any operations. After the capital of investor enters this platform, did not participate in truly actually however foreign currency trades, platform trades through forging data, let investor obtain " gain " , it is new actually open an account the capital of investor, IGOFX also is not foreign currency actually, however a capital dish, use foreign currency to collect money with odd stunt. To attract more clients, IGOFX still invites new user to be able to be obtained through old user return the activity such as lottery of race of dot, foreign currency to make platform rapid dilate expands, and return benefit and lottery criterion just is finance is passed annul most the development that often uses gets offline means.

Digital money pit

Of bit money soare let money of people logarithm word be full of an illusion, but actually, have applied value truly, the digital money that is based on technology of area piece catenary seldom just is counted, most number money is the Pang fraud that is without actual application value. These false number moneys often have a few such common characteristics:

Rise the insanity in the process encourages a person to buy currency, in drop in the process, ceaseless conduct propaganda is the main chance that everybody enters the arena;

The circulation of token is sealed, issue business to whether abide by a lock really the storehouse is sealed etc;

Undertake passing selling with digital money for cover.

As the area piece of catenary upsurge drive, all sorts of token are popular, money of the five elements, inferior aegis money, dimension card money emerge in endlessly.

2017, money of the five elements is investigated by relevant section in the exposure in high-key development. Money of so-called the five elements, it is one kind returns benefit to be bait with high specified number, hitting " money of the five elements " of banner of money of this one fictitious number pass sell a product, have the aid of is fast cruel the ill-gotten wealth of rich, hair commitment that makes a person enchanted, through small letter group, gregarious software group, public date undertakes brainwashing, and complementary leave an activity with the line, wantonly swindle and bluff, bring vast riches and mental loss to investor and its family. Be like with and so on, dimension card money also carries small letter group, QQ group, public date undertakes brainwashing, complementary will undertake passing selling with the activity below partial line, recieve investor to look around to headquarters for example, constituent member dines together etc.

M of some number money alleges make investor organic can participate in the film to invest, share box-office profit. In a series of conduct propaganda revulsive below, successful collect endowment 5 billion yuan, but the price has cleared in a few months, government-owned net also cannot be opened, investment of so called film is dummy.

Consumption returns benefit fraud

Consumption returns profit is a common sales promotion method originally, often be packed however nowadays investment fraud. Its are main the feature is: Through Internet tripartite platform intervenes of businessman and consumer trade process, promise spends a part to return in the expenditure of platform, or through cash consumption sends the form such as integral waiting for the forehead, revulsive consumer registers member consumption and businessman to join in platform circumfluence payment for goods.

Up to July 2017, already had more than 150 " consumption returns profit " pass sell fraud list by CCTV exposure ↓

Incidence is the biggest, cause consequence most serious is " 10 thousand shop " case. "10 thousand shop " the net that return profit, claim to have 3 million member in the whole nation, 2000 many counties town of countrywide all have acting site, allied businessman amounts to 100 thousand. Pass pay of membership membership fee, "10 thousand shop " the circle gets a large number of fund. When be being investigated up to the website, "10 thousand shop " already had nearly 2 million member actually, experience record amount amounts to twenty-four billion and forty-five million yuan.

By the everybody commonweal of CCTV exposure, win-win of tripartite of so-called consumer, platform, businessman, consumer every can have 99 yuan 100 yuan to be returned in installment in the consumption on platform still, platform uses the rest 1 yuan do commonweal, the businessman wants to give platform to also can return profit in installment the solid certainty ratio of expenditure only. Actually, of platform returning profit is not cash however beans of love of a kind of fictitious money, take operate now very complex and time is very slow, take at all to finally do not come out.

Grain property tastes bilk

Most common form is flying sheet of bank conduct financial transactions, namely bank employee is attracted by the tall commission place of investment firm, privately and other investment firm " collude " , sell the product of conduct financial transactions that invests a company with the name of the bank, excessive exaggerated earnings tries to cheat, bring about investor to be duped.

Among them experience case scale is the largest, most conspicuous is incident of Jin Saiyin fund.

In October 2015, fund management limited company is immersed in silver of Shenzhen gold contest in crisis of 6 billion yuan of cash, wang Weiji of Jin Saiyin controller runs road, nowhere seeks a few fund of the client denounce, nowhere appeal; And the gold of a huge sum that restful person life is exposed to the sun to be hawked to the client by its clerk surpasses product of silver-colored conduct financial transactions cannot cash. The banner that making governmental item through official of government of keep up appearance of place of high-grade and luxurious meeting, hook in is promoted, company of the pretense that makes restful insurance assure, conduct propaganda hangs out his shingle Shanghai hand in a center to wait for means, jin Saiyin company attracted a large number of investor to buy product of its conduct financial transactions, but the individual illicit fund that these money actually entered Wang Weiji.

The backside of this one incident, existence wears " toxic substance " marry again chain: Trust company turns the problem product such as fiducial loan, creditor's rights to collect of tripartite illicit to receive dish; Contest of gold of illicit collect company is silver-colored through arousing restful employee " receive flying sheet " wait for means, get through the sale channel of restful group, collect gets fund of a huge sum, final move makes it use, bring about the asset chain that is kept in the problem originally to rupture.

Copartner or primitive a fraud

Copartner or primitive a fraud, become firm partner through inviting investor namely or weigh a company to investor empty already or be about to appear on the market, put on sale is original means, advertise one night to investor upstart fond dream, actually uses investment fund to collect money illegally. In " the person does not have equity not rich " below investment concept concussion, a field is primitive big play begins a sale to be performed centrally, besides tall redound, one night cruel rich outside waiting for accrual temptation, "Appear on the market company " the halo that these empty shake more gave collect money illegally more hall and of emperor waists-coat.

The representative advance in having is being provided most in this kind of fraud is incident.

At the beginning of 2016, department belle is in charge of the advance in a result high to dazzle on the net rich photograph, final drag in goes out giant in advance collects money illegally series case. Through with " in advance copartner plans " name coverts acceptance high specified number year turn profit, advance is fastened to not specific public to draw fund illegally wantonly in, bilk amount is as high as a RMB more than yuan 400. The phyletic items of its copartner is various, include general partner, senior partner, star copartner, super copartner, strategy partner, and permanent copartner, attracted the star such as Xiao Ting of Pan of 9 balls Queen of heaven to join; Among them, the contributive dimensions with advanced, permanent, super respective copartner is 100 million yuan respectively. These capital besides be used at paying employee middleman's fee, still use at empty to increase business income, additional pay commerce allowance and money reward, the individual is prodigal at the same time nearly 500 million yuan.

Wind accuses cannot absent: The world does not have free lunch

The investment that sums up these not to rely on chart tastes have a few general character:

The first, common commitment secures profit

No matter these do not rely on the investment of chart to taste particular form how, the salesperson is in promote to investor general meeting emphasizes in the process won't deficit, assure to secure profit. But this is Utopian only, security and yield cannot give attention to two or morethings, have profit sure have a risk. Even if is national debt has a risk, it is the orgnaization of these unidentified antecedents what is more,the rather that more.

And in fact, affirmatory and fixed income, maintaining this income is to disobey our country to concern superintendency provision.

The 2nd, yield is average on the high side

The investment that does not rely on chart more tastes accrual the more tall breathtaking, the advance in be like is so-called have 10%-25% even the high income of 40% , yuan Chao crosses the market average yield. However, kinds of the make a comprehensive survey is old asset on December 31, 2008 up to now nearly 10 years of yield since, can discover its are average year change yield to all be in 10% the following, the estate with top yield is average year change yield for 7.79% . It is with the stock exemple, card put together points to on and deep card becomes those who point to nearly 10 years year change yield to all be between 5%-6% , include card market scale the biggest, fluidity is best blue chip on card changes yield 50 years to also be only 7.19% . But nearly 250 weeks of stability bandwidth all are in stock capital fund 20% above, the asset such as bond of risk far outclass, commodity. And the bond of risk lowest year change yield all inferior, card national debt is on 3.28% , card debenture is in 5.25% . This shows, high yield low risk is a massive investment fraud, in return rate of market of current and of all kinds capital inferior circumstance falls, the short-term product that can say acceptance exceeds 10% income basically is fraud.

The 3rd, rock-bottom asset is unsharpness

Products of any a kind of banking, no matter be packed much more complexly, also have a rock-bottom hypostatic capital fund certainly, otherwise this product is water without a source. Rock-bottom asset is not clear, it is instability certainly, superstratum product is met at any time cave in.

However, many nets borrow a product to often bale a lot of and rock-bottom asset make a new product, make what is investor cannot know rock-bottom asset directly after all; Asset of its ground floor often also is credit is borrowed, consumptive finance, car is borrowed, the room borrows money to make over, etc, its foundation is relatively fragile and capital reclaims periodic likelihood is longer. Have more very person, many investment orgnaizations are not willing to offer total rock-bottom capital detailed account to the client, think to not was necessary.

And normative financial product, although its structure design is relatively complex, the rock-bottom capital fund that however the look shows changeably serves as safeguard.

The 4th, borrow return financing of old, Pang newly

Trap of a lot of investment often earlier redound is pretty good still, but the backside of major fraud is to borrow return financing of old, Pang newly. Pang fraud means initial stage to must let capital roll first rise, how to do? Be about to yield benefit of primary investor savor, let them publicize, go helping newlywed person. When take comer more and more moment, coil again the money runnings road, this is the most advantageous to market those representing capital.

These invest the make a comprehensive view fraud, often have issue ceaselessly, collect dimensions is cruel inside short time added characteristic. If E hires treasure,went up in July within 2014 line, always trade to December 8, 2014 the quantity achieves seventy-four billion five hundred and sixty-eight million yuan; Bai Hao and his Hao amounts to investment to use Wu Jinmei course of study the project of this company relapses financing, 3 years short raise money illegally 5.2 billion yuan of capital, but the project that thinks to meet those who discover a company is impossible to be like this slightly will undertake financing repeatedly.

And the project of channel of a few regular investment or product of conduct financial transactions, often won't exist repeatedly the circumstance of financing, can be financing dimensions control mostly inside certain limits.

From the graph 6 enumerated in light of the collect portion circumstance of 5 star fund, port of full Shanghai of Oriental Gong Rui is deep, eastern port of Gongrui China Shanghai is deep, eastern the collect portion of advantage of deep, Oriental red China all maintains red Shanghai harbor very smoothly, among them the portion of before two fund is in since holding water, all maintain changeless, the portion of advantage of Oriental red China still has even drop. Although the collect share that begins whole climate to invest mixture fund has rapidder growth in nearly two years, but dimensions of its collect portion relatively of earlier moment in light of 2008, also have glide apparently; On March 31, 2008, the collect portion of this fund is as high as 20536270957 for a time.