The article comes from: Conversational gold gentleman
Everybody is good, I am Laojin. Begin from today, every weekday meets Laojin to popularize little knowledge of conduct financial transactions with everybody.
This is our agreement, also be the broad road that we move toward money freedom jointly.
Hope everybody can be mixed Laojin together, be on life the right path gradually, know asset allocation gradually.
Conduct financial transactions, opportunity and risk coexist. We need to grasp an opportunity, need to face up to a risk more, and the history can be our best teacher.
Want avoid invests trap, be about to know the investment pitfall in the past first.
Laojin summed up the investment case that goes 20 years, main investment trap nothing more than the following 8 kinds:
(1) 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.
Treasure invests to be returned newly with releasing false project to borrow likewise in old to cover a region.
2014 3 · 15 before today afternoon, on 3 years the treasure in superabundant old brand platform invests the line official website appears suddenly because a companies are suspected of economy committing a crime to be thoroughfared the announcement that put on record of state city public security bureau investigates. Immediately, p2P industry an in an uproar, this incident is by analogy " 2014 nets borrow bow wave of industry number one " .
Since May 2011, zhou Hui of treasure investment legal person uses company website in succession in 34 borrower with fiction and the 2 members name that with oneself identity information registers are fictional fact, a large number of issuance " lapidary mark " , " guaranty mark " wait for false mark to investor financing, allege year change yield about 20% , the get one's own back of high specified number that still has additional award, the capital of diddle investor. Zhou Hui early or late from the whole nation many province not only 1586 times calm object collects money add up to more than yuan 1 billion, among them still 1136 investor add up to more than yuan 357 million collect money the paragraph did not remand.
(2) 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 Commodity Exchange of system, Dalian, Zhengzhou Commodity Exchange, 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.
Collect money illegally in bourse in the case, experience case dimensions and impact are the biggest is Kunming extensive inferior nonferrous metal bourse. Kunming floats inferior through investment of metallic merchandise on hand and commerce platform, buy oneself sell oneself, hold charge platform price, maintain extensive inferior the price is higher than spot market price 25% , 30% , rise every year about 20% , make trade hot false appearance, borrow this to pack next alleged " day gold treasure " wait for inviting high income product.
But rise in price every year actually 20% are to let extensive inferior the price forever price of prep above spot market, because this also won't have real the buying party forever, did not bring actual increment capital; And delivery business also does not need to fill accordingly make earnest money, investor year turn the profit of conduct financial transactions of day gold treasure of 13.5% , the capital that is oneself increases the capital of investor newly perhaps. When adding capital newly to put delay to perhaps stop to enter, whole system can die dish, primary original capital does not have investor return.
Extensive inferior the fund that mode uses new investor namely will to old investor pay entrust day gold cost and short-term redound, make profitable false appearance then diddle more investment. December 2015, kunming floats inferior cash crisis erupts, involve the 220 thousand person of 28 province, add up to of specified number of illegal market fund exceeds 43 billion yuan, on 1000 extensive inferior investor gathers in card inspect protest of meeting doorway assembly.
(3) 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.
Involve amount 20 billion yuan, fall victim investor 300 thousand person, regard northeast as one of double ant, table of formic force mind can say is China the famousest also be to suck gold to collect money illegally the most greatly one of cases.
Formic force god is the staple commodity that place of group of royal seal of day of formic force god rolls out, publicize its to have fill quickly the function of kidney, its raw material is but medicine is fed amphibious precious formic kind draft black much thorn formic. This kind of ant adopts in company of its group subordinate " entrust breed " mode:
Pay is formic kind of minimum cash deposit 10 thousand yuan of RMBs, can get 2 big 1 small 3 box ant breeds in the home, after 14 half moon, company agreement undertakes reclaiming to ant, return total earnest money and pay 3250 yuan of services fee, investment pay rate is as high as 32.5% , look be like earn firmly not compensate and profit is sizable.
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.
(4) foreign currency trades bilk
Foreign currency market serves as internationally market of capital seize a chance to seek private gain, its history should compare market of stock, gold, futures, currency short much, however it develops with breathtaking speed however, dimensions is far already transcend the market of other banking product such as stock, futures, suddenly change one's identity makes the market with the biggest whole world, also give bilk the member intervene brought an opportunity that can be exploited to sbs advantage.
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.
If say foreign currency of a few grouse trades,case of platform happening bilk is in people is expected, abundant of Hong Kong constant is round-the-world group criterion have the aid of " lofty the group backdrop that go up " and " professional operation group " bilk many is engaged in finance is relevant industry, have gold foreign exchange the professional personage of actual combat experience.
Abundant of Hong Kong constant is round-the-world the group is one is playing the banner that is bought by Magenshidanli, be engaged in representative of gold foreign currency holding dish of platform that keeps this business, and the financial orgnaization such as company of bank of appoint to a position, negotiable securities, futures, fund is senior comprise core expert to analyse a group from personnel of course of study.
But actually, round-the-world group just passes a surname of constant of so called Hong Kong the empty shell company that intermediary company registers, the customer service center of the round-the-world headquarters of the annulus in its introducing to be located in Hong Kong on net of this group officer and Beijing ZhongGuanCun all is false address via confirming, personnel of customer service wiring all outside the bag gave intermediary the company. The money of investor was not used to at all investment, put on bilk element hand however intact, move makes him use. This company everyday dummy data, the holiday contains win have deficient, arrived by the month one part is taken out to should do gain to be divided into among the capital from investor, explode for the last time the storehouse is bilk element to coil the money runnings road and fictional excuse.
(5) 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: Register get mine chance freely, give promotion person proper profit; 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.
(6) 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.
Couplet of Beijing gigantic Xin is filled with division trade limited company is set shop the fraud that return profit, lend a sale the name of commodity, what collect money illegally all right is solid, be in two years many short inside the fund that draws 40 thousand more than person illegally more than yuan 2.6 billion.
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.
(7)
Grain property tastes bilk
Bilk of product of conduct financial transactions often promise high income, the psychology that uses investor covet high profit comes seek its capital. Bilk of product of conduct financial transactions often the financial orgnaization such as bank of have the aid of, fund, insurance undertakes, or register bank of battalion of false fund, holiday civilian to come flicker investor.
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.
(8) 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.
Provide most in this kind of fraud representative is medium advance department incident and Duan Mou some 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.
Duan Mou some protects science and technology to expand limited company at establishing Shanghai actor grommet 2013. Shanghai equity was landed 2014 mandatory trade after the center hangs out his shingle, environmental protection of actor all alone held to increase endowment spread in Henan Zhengzhou press conference, hawk to the public primitive, promise is as high as the accrual of high specified number of a few times, it is the equity financing fraud that one occasion is a purpose with collecting money illegally to popular however essentially.
For the capital of convenient diddle investor, some uses Duan Mou company of its under one's name comes circle in the air the move that the POS machine of trade has brushing getting stuck operating will have fund directly for investor, the investor after brushing card is in can get loan agreement and loan receipt on the spot.
And, and the first, the accrual of 2 months is OK before brushing card go ahead of the rest is deducted, and on the card that the accrual of after this can play investor by the month, this makes the day of payment of interest that investor wants the 3rd month just can discover he is deceived, and at this moment company already the person goes the building is empty.
Classics check, the experience record amount that this case saves in Henan is as high as 200 million multivariate, victim number also reached on 1000 people.
Above, it is fraud of the commonnest 8 kinds of investment. Laojin wants to say, into have a risk all right, investment wants discretion.
