In March day thunder billow, investor is terrifying.
Since 2018 P2P already serial blast, but the group of one billion two hundred and fifteen million seven hundred and fifty-two thousand one hundred and ninety-two class borrows a net to be become however 2019 first, this lets many investor unaware, plaint in succession escaped a winter, die in spring however.
Because be suspected of drawing public deposit proposal illegally, the group borrows a net by of detect of put on record of Dongguan city public security bureau, 14.5 billion capital is waited for close, affect investor amounts to tens of 10 thousand people. Explode thunder backside not only market prise of 20 billion appear on the market company derive science and technology suffers embroil urgent stop a card, experience is uninterrupted since answer card 3 drop stop, the be in harmony in having more is fiducial, smooth big bank, Shi Yuzhu, green can the collective such as treasure steps on thunder.
Borrow a net to explode besides the group of arise suddenly thunder, near future of industry of benefit of Xingjia of illicit collect orgnaization still is exploded to go out be suspected of collecting money illegally, more than 1.7 billion yuan capital have not cash, the cash on company Zhang is remained only 100 million multivariate, eliminate is mandatory outside capital, actual and usable capital remnant is controlled 26 million yuan, probable principal does not have on 1000 investor return.
Up to by Feburary 2019, association of trade of fund of investment of Chinese negotiable securities already registered illicit collect fund to manage a person 24380, already put on record illicit collect fund 75222, administrative fund dimensions 12.77 trillion yuan, among them negotiable securities kind scope of management of illicit collect fund is achieved 2.12 trillion, it may be said of illicit collect amount is giant.
In Xing Jiali course of study is suspected of collecting money bilk, and 1.7 billion yuan of capital hard after cash, investor also was immersed in many illicit collect to be anxious, if illicit collect runs,the road breaks couplet, how does my fund do? The gentleman that discharge a platoon is raised action how collect of illicit of problem of piercing eye identifying!
Although the superintendency of illicit collect industry is stricter and stricter, superintendency layer also is increasing superintendency strength to protect investor rights and interests ceaselessly, but have many people as before make a profit in troubled situation, wrapping around the appearance of illicit collect regular army, make bait with high income, the form that have the aid of manages legally collects money to social community collect gold. From explode before in light of the illicit collect of thunder, have the following feature mostly:
Spectacular outstanding achievement, what the name with illicit collect collects money all right is solid
According to the regulation, illicit collect must not undertake publicity publicize and be recommendinged to not specific target, if do not undertake eligible investor is maintained, rushed conduct propaganda its outstanding achievement, wait for much channel in date of friend circle, public even direct spectacular outstanding achievement, or is orgnaization of this illicit collect adds up to compasses consciousness weakness, but one of idiomatic gimmick that big probability is problem illicit collect.
With the illicit collect orgnaization that has an accident this benefit course of study is Xingjia exemple, be in early on July 27, 2016, course of study of the benefit that allow fine makes public a place to place placard to reach to be in with respect to Ceng Yin publicize in company website, to not specific target conduct propaganda is recommended wait for case, be adopted to issue caution case administration to superintend measure by bureau of Jiangsu card inspect.
Lower investment threshold, acceptance is protected this
According to relevant provision, undertake eligible investor maintains need investor capital fund to prove file or income prove a file, and invest sheet amount of illicit collect fund not under 1 million yuan, and legal person or organization accord with net assets not the orgnaization under 10 million yuan; Capital of natural person finance not under 3 million yuan or recently 3 years individual year all income not the individual under 500 thousand yuan.
Cease according to open letter, course of study of the benefit that allow fine the investment amount of many investor is under of 1 million, and be less than 1 million yuan investor be as high as 1090 people, among them eligible investor is occupied than only 27 ％ .
Revulsive turn Zhang, escape collect account
The investor that has experience a bit knows, buying both neither of illicit collect product is turn capital to salesperson individual account, also not be to turn to publisher company account, and should be to turn to get superintendency collect account. Only such, ability ensures capital won't by divert, collect of even if illicit runs road, investor losing is the earnings increase and decrease with fluctuant net value only, because illicit collect one-sided is,cannot employ the capital in account.
It is in order to start beautiful benefit line of business exemple, many investor make money company account directly namely, account of collect of and rather than, so occurrence fund use cannot be supervised and the problem with unknown whereaboutldirection.
Bureau of Jiangsu card inspect permits the running water of bank account capital of beautiful benefit course of study through inquiry, discover a large number of natural people make a money to account of Xing Jiali trade directly. Be in among them July 2016, remittance of 44 natural people comes account of trade of the benefit that allow fine, number differs 100 thousand yuan to 6.5 million yuan, the remarks that makes a money all is buy illicit collect product. Arrive from January 2015 October 2017, course of study of the benefit that allow fine among them the capital of the assemble inside account of a bank is as high as 790 million yuan. Those who deserve attention is, the natural person that makes a money to account of trade of the benefit that allow fine remarks " buy product of illicit collect fund " , but they are not fund of relevant illicit collect to put on record investor. And place of account of trade of the benefit that allow fine collects market fund a large number of whereaboutldirection are unidentified, among them fraction is used to the company such as pay property water and electricity runs cost daily, the others turns to individual account of Shi Yuxia for the most part, break again turn give many account.
The lesson of such is not scarce, to investor, how avoid these risks, can begin from the following respects:
Inquiry puts on record information
Buy illicit collect, identify accurate normal orgnaization.
Before investor is buying illicit collect, can website of association of trade of fund of investment of preexistence China negotiable securities inquires pertinent information, see a company whether have above all put on record, see the product on fund subscribe contract whether undertake putting on record next, and to organic compose sincere letter information hints illicit collect, should notice mainly, find out main content, raise vigilance.
Identify accurate collect account
Involve the matters concerned that make a money, uniform do not turn into personal account, also do not turn into company account.
Investor should turn the capital of corresponding amount to fund collect account, because arrive from subscribe redemptive, the capital of collect of illicit collect fund belongs to investor from beginning to end, illicit collect orgnaization just manages for you. In 2016 base assist those who release " behavior of collect of fund of illicit collect investment runs way " the 14th in regulation:
Involve fund of settle accounts of collect of illicit collect fund special account is opened, used orgnaization is not gotten classify of capital of settle accounts of collect of illicit collect fund its have property oneself. Prohibit any units or the individual writtens guarantee with collect of any fund of collect of formal divert illicit calculate capital. When sale of orgnaization of sale of person of management of illicit collect fund, fund, fund pays an orgnaization to the fund portion orgnaization that register goes bankrupt or perhaps be liquidated, capital of settle accounts of collect of illicit collect fund does not belong to his to go bankrupt belongings perhaps liquidates property.
That is to say, to buying negotiable securities kind for illicit collect, if turn,enter the fund of collect account only, be you forever, say only much (earn) little still (deficient) problem, but once enter the individual account of illicit collect orgnaization or company account, big probability is to have go notting have time.
Epilogue:
To investment of collect of negotiable securities illicit, investment has a risk is the deficit risk that comes from net value be down wave motion, put on record through checking it is OK that information, capital turns into the operation such as collect account only greatly avoid illicit collect runs to collect money road, illegally the capital deficit risk that waits for disagreement compasses operation to bring.
Investment ten million, safety first. Near future market level is fervent, grail is breakthrough of with one action 3200 bits more, investor should try to discriminate seriously more before having investment, in case the fraud that the banner that illegal orgnaization is playing illicit collect collects money illegally all right.
