This year in June, p2P platform explodes one after another thunder, include among them " collect pan " , " love is much more silver-colored " two investment net borrows platform. After two platform stop cash, hangzhou river does what police received many investor to call the police.
The undergraduate lends money investment
Last cash was done not have
Xiaozhou is next sand the student of a college, parents is far outer, every metropolis at the beginning of the month gives her to send living cost through net silver.
Besides daily expense, xiaozhou is met from time to time and the classmate goes out dine together together, shop, sing K, as intercourse activity increasing, she feels gradually, every months of 1000 yuan living cost is used not quite really.
Work requirement of too tired, family is general, be anxious in her how ability " earn " to more money when, the friend recommended to her " the path of unripe money " -- get on Qian Fang to investment platform, take interest of high specified number.
The platform that the friend recommends is called " love is much more silver-colored " , xiaozhou downloaded APP, discovery has a lot of on platform " investment project " , amount is thrown since not tall also, and time is not long, some want only 10 come the day can repay captital with interest. Most those who make her enchanted is, these " project " interest is very considerable, year change yield to be in 8.8% to 12.8% between, the manage worth with far average outclass is tasted.
The friend says, oneself put surplus pin money inside at ordinary times, expire platform is automatic cash, go to the lavatory already safe.
Weeks of small classics does not live alluring, holding the state of mind that have a try in the arms, also go to " medicinal material project " in cast 500 yuan. After 10 days, she was received as expected return returned capital and interest.
After savor benefit, small Zhouyi sends irremediable, in succession " investment " a few projects, and the amount of investment is larger and larger, put in oneself living cost completely not only, still borrow money to come to the classmate even " investment " . The interest income that gains every time, also be thrown to go in afresh by her " make money " .
This year in June, xiaozhou as usual, go to " project " in threw 5000 money, after can expiring this, money does not have Zhang tardy however.
In this money, she borrows have one much to kin, friend. Xiaozhou just discovers at this moment, besides the public information on APP, she waits to state of the circumstance of platform, investment utterly ignorant, why to take as to money do not come out, who should look for to take money, it is to be without main threads of an affair more.
She checked the address of platform in the flounder on the net, can wait for her to find a place, discover however already " the person goes the building is empty " , only a few encounter with her similar victim is waiting to denounce a view in the doorway.
Weeks of small immediately signed up for alarm.
The boss already was heavily in debt before this
The flower is gigantic endowment employ water army to be rank of APP contest price
Rose on June 27, river policemen just receives masses to call the police in succession, charge " love is much more silver-colored " cash of platform occurrence exceed the time limit, police was accepted that day and spread out investigate.
The policeman discovers in investigation, establish " love is much more silver-colored " the love of platform outstanding IT limited company is an empty shell company actually, september 2017, the total share that Jiangsu man Pan Mou of 51 years old spends 1.3 million yuan to buy next companies asked a person to be built on the net " love is much more silver-colored " the net borrows platform, register the company the ground and management ground change to be Jiang Gan Ou Mou office building.
Pan Mou has culture of junior high school only, without any finance from already check, and before buying a company, he already debt again and again, house property of under one's name already also was closed down by the court.
The road runs after be being sent in view of Pan something, river policemen just undertook online chasing after escaping to him, the policeman still heads for Pan Mou native place for many times, do the work of his family.
One week later, the Pan Mou a criminal give himself up to the police of have no way out confesses his crime.
Still have Henan man He Mou of 30 years old with what he is caught together, he ever was the general manager that loves much more silver-colored platform, also be to manage chief actually.
Occupy Pan Mou to explain, those who love the loan sign on much more silver-colored platform is dummy, essential nonexistent so called " borrower " , manage the fund that receives from investor, hit into account of Pan Mou pilot finally, use partly among them pay employee salary, before one part uses liquidate, the client's capital is mixed accrual, still about 30% is spend was in advertise to platform on.
Such net of similar Pan Mou borrows platform operator to put in the advertisement of this platform on the media such as website, broadcasting station not only, still cost a large number of capital to make the contest price rank of APP.
So-called contest price is ranked, spend money to buy the position namely, the client should be searched in APP shop only " conduct financial transactions " two words, the APP of this platform appears with respect to can faster than other application software earlier ground.
E.g. , APP shop of the apple clicks quantity and download quantity to have sort to software according to the user, the net borrows platform operator with respect to employ a large number of " abb party " go " brush sheet " , falsify download data, occasionally, light is to employ the money of water army to be about everyday two 30 thousand.
Beautiful money buys one caboodle debt
Earn brushstroke for change hands namely " pass on cost "
Actually, when Pan Mou buys platform, platform not only without accrual, still have on the debt of ten million awaits cash. Beautiful money buys one caboodle debt, so what is the end that become?
Occupy Pan Mou to explain, he is to listen to fellow-townsman to say, platform of this kind of investment is done do greatly strong later, can pass on sells others, earn from which " pass on is expended " , so, after buying this platform, he spends money to make ad ceaselessly, attract new investor to come in, after wanting to wait for half an year, again this " boiler " swing others.
That is to say, in this paragraph of time that runs in Pan Mou, platform did not have any real investment, also do not have accrual, all defray, come from the investor that Yu Xinjin joins.
"The game that this sends a flower with drum is same, platform is being used up ceaselessly, have a day when explode sooner or later. " introduced from the northern and western nationalities or from abroad police officer of the member that group of detect of classics of substation of Jiang Gan public security is taught says, letting what Pan Mou did not think of is, this year June, p2P industry explodes one after another thunder, new investor is less and less, financing source ruptured immediately, he does not take cash giving money, can choose to run only road.
Pan Mou and He Mou come when a criminal give himself up to the police confesses his crime, already impecunious, be heavily in debt.
Via checking, love add up to of much more silver-colored platform to draw fund more than yuan 14.56 million, among them more than yuan 600 are used at remanding the principal and interest of early days investor, other all be used at repaying by Pan Mou individual liabilities, pay platform operation expenses to wait for utility.
Up to case hair, more than yuan 790 when still have 270 investor do not have cash.
The victim is more 90 hind
Encounter usury new-style investment must careful
"Collect pan " the net borrows platform and love case of much more silver-colored platform is basic and similar. This holds water at the company last year September also is company of an empty shell, go up after line operation, of dummy and leasehold mark, and with 9.6% attract investor to have investment to the high yield of 18% .
Till this year in July, platform ruptures because of capital catenary stop cash, investor just discovers to be cheated, call the police in succession.
Via checking, up to case hair, share 858 investor to invest capital 22.7 million yuan, among them 164 investor are real loss more than yuan 5.44 million.
"Collect pan " chief Shao is 48 some years old, culture of junior high school, waiting to network, finance also is to know nothing about. Closing buy foreign exchange after pan platform, for dummy mark, run APP, his specially employ fellow-townsman Zhang Mou of 32 years old, let him be in charge of platform be being run specificly.
Current, the person such as Pan Mou, He Mou, Shao Mou, Zhang Mou just already was carried out to arrest by river policemen.
The policeman is handling a case the discovery in the process, the victim of these two platform is the 20 youths that come 30 years old mostly, having many returning among them is in school undergraduate, or it is to just entered a society before long this year's graduates, hundreds of odd pen investment is little yuan, have many yuan 20 at most, great majority invests amount to be controlled in 10 thousand yuan.
"Generally speaking, old person erroneous tendency chooses the economy below the line, have certain society experience or be economic base, more apt a few big P2P platform, and small like this kind of dimensions investment platform, namely with short-term, usury, will attract those wanting that earn the youth of quick buck. " introduced from the northern and western nationalities or from abroad police officer says, these two companies rented high-grade office building to regard office as the place, give a kind to build namely " lofty on " feeling.
And, in operation early days, platform is " rigid cash " , this drew many people answer cast. A lot of people are to embracing the idea that have a try at first, defect is jumped over in trap finally deeper.
Encounter accrual to arrive high unusual new-style investment, wu necessary discretion is again careful, interest and risk often become direct ratio, once disclosure is cheated, want to note keep evidence, call the police for a short while.
