After the incident, a farmer wrote a sad story about himself and Pan Asia in Weibo. For a time, "you are greedy for interest and people want your principal" spread throughout the circle of friends.
Jinsaiyin incident
Wang Weiqi, chairman of Jinsaiyin Fund, is a serial fraudster and the "Yue Buqun" of the financial sector.
At the end of September, nearly 100 investors gathered in the downstairs of Beijing Branch of China Ping An Group in Beijing Financial Street to defend the rights of Ping An Group, and the investment of 6 billion yuan was gone. They said that there was a redemption crisis when they bought the wealth management products sold by China Ping An Beijing Branch. Behind it is the collapse of Shenzhen Jinsaiyin Fund, the product issuer.
Looking back, Kinsey Bank used these tricks to cheat investors' trust. The first is to put on a facade. It rented a very high-end luxury club in Shenzhen, giving investors the image of "high above". Second, officials sell in the name of government projects. Third, under the guise of Ping An insurance protection, some investors broke the news that more than 200 Ping An insurance salesmen participated in it, and many investors thought it was a Ping An insurance product. The fourth is to blow the listing. People who don't know think there are many cows. In fact, the threshold for listing in the Shanghai Stock Exchange Center is extremely low, which is much worse than the New Third Board, not to mention the GEM and the main board.
Ping An Insurance also responded to the incident afterwards, saying that the sales staff of China Ping An Life Insurance Company of China Insurance Company illegally promoted Jinsaiyin products at a scale of about 654.38 billion yuan. And will actively cooperate with the investigation, will not shirk responsibility, waiting for the results of the police investigation. ...
MMM financial mutual assistance
The monthly interest rate is 30%, which is maintained by the development of offline, and promises high returns and high profits. There is no government-approved company organization, only a complex website, which was characterized as one of the biggest Ponzi schemes in the world more than 20 years ago. Cheat India, and then cheat China. ...
But! There are still many people who are eager to try and even invest huge sums of money. They were lucky enough to make money and run away, and they all felt that they were not the last. However, all drowning people can swim. ...
677 P2P crashes and runs away
10 or so, an article called "P2P crash emergency reminder! The article "677 all ran away" exploded in the circle of friends. The article lists a detailed list of running companies to remind investors of risks.
Although the tide of running roads is frequent, the country is still supporting the development of Internet finance. 165438+1October 3, the 13th Five-Year Plan proposal was released, which mentioned the need to standardize the development of internet finance. This is the first time it has been included in the national five-year plan proposal. Internet finance has become an important part of the country's development of multi-level capital markets.
In fact, from this perspective, it is a good thing for 677 P2P companies to run away. With the attention of the state and the improvement of relevant laws, this will accelerate the reshuffle of P2P, and the P2P industry will be more standardized and transparent in the future.
However, after all, P2P is still in the middle of reshuffle, and there are still a number of companies in the middle. I won't say much about the specific investment skills, but I have searched a lot online. In short, investors should think twice before making any investment, and don't catch the last bus of this running tide. ...
Private lending collapsed.
Generally, under the guise of an annual interest rate of 20%, 30% or even higher, investors will add hundreds of thousands or even millions of "sweets" after investing tens of thousands at the beginning, and eventually the borrowers will run away and the enterprises will close down.
The well-known event should be the Sichuan Huitong guarantee event. Huitong guarantees a registered capital of 900 million yuan, which is one of the largest joint-stock cooperative credit guarantee professional companies in Sichuan Province and even Southwest China. It forged a large number of loan projects, registered hundreds of shell companies, raised funds from the private sector through dozens of investment and wealth management companies, and finally the capital chain broke. According to media reports, the amount involved is about 654.38+0 billion. After the incident, its executives fled the country. ...
Not only that, after Huitong, Sichuan private finance was still aftershocks, and the boss ran away, lost contact and was arrested, which became the normal state of Sichuan private lending circle. At the same time, Shaanxi, Gansu, Henan and other places have also exposed the "running away" incident of investment companies and guarantee companies.
In addition, it is worth mentioning that there used to be Hebei Rongtou, the second largest guarantee company in China and the largest guarantee company in Hebei Province. The projects it guarantees involve banks, trust many financial institutions and even private lending, which may generate tens of billions of non-performing assets. Later, the incident continued to ferment, leading to a bloody case, and the CEO of a private equity company, a global billionaire, was seriously injured. ...
"primitive stocks" are flooding.
Are you embarrassed not to take some original shares in your hand these days? Under the impact of the investment concept of "no equity and no wealth", a series of original stock selling dramas began to be staged. In addition to the lure of high returns, getting rich overnight and other interests, the illusory aura of "listed companies" puts a more imposing vest on illegal fund-raising. After the collapse of the private capital chain, a group of investors began to talk about their experience of investing in "original stocks" and suddenly falling into shock or even losing all their money from the dream of getting rich overnight.
There are many reports about Shanghai Yousuo Environmental Protection and several companies in Henan. They all started to sell original shares after logging in to Shanghai Equity Custody Trading Center, and then people went to the building. The media joked that selling primitive stocks is like selling cabbage. ...
Remember: listing ≠ listing, four boards ≠ three boards, there will be no pie in the sky.
Bank financing "flying bill"
Bank fly orders, that is, bank employees are attracted by the high commission of investment companies, "collude" with other investment companies in private, sell the wealth management products of investment companies in the name of banks, and exaggerate the income to deceive, which leads investors to be fooled.
A few months ago, a number of citizens claimed that they bought wealth management products from Li, the account manager of Beijing Tongzhou Sub-branch of Agricultural Bank of China. After the maturity, the principal and income were not cashed, involving 17 people and 22.48 million yuan. This incident is a typical case of bank flying orders.
Here are three tips for identifying bank flight orders:
First, it is necessary to see clearly the contract terms of the relevant wealth management products, whether the signing parties have bank participation and whether they have bank seals, and pay attention to identifying the authenticity of the seals;
Second, we must carefully screen the benefits of wealth management products. Now the bank's wealth management income is generally around 4%;
Third, we should carefully read the instructions of wealth management products and clearly understand whether the products are guaranteed, and the specific investment, income and term of the raised funds.
In addition, we should also pay attention to the so-called wealth management products sold by some banks, the essence of which is dividend insurance or investment-linked insurance. This kind of insurance has weak overall protection function, high overall premium and long term, and the dividend in dividend insurance is not guaranteed, so investors should distinguish it.
High discount deposit
A few days ago, Xiaoshan Daily broke the news that 16 depositors from Xiaoshan, Hangzhou, Ningbo and other places deposited a huge sum of 288 million yuan into Dongxiang (county) branch of Linxia City, Gansu Province, China Industrial and Commercial Bank. Now the deposit has expired for more than a month, and it has not come out from the bank.
The general process of the incident is as follows: Mou Wei, the head of a large local private enterprise, first attracted depositors from Zhejiang and other places to deposit 3120,000 yuan in dongxiang county ICBC with a high discount. Then collude with the top management of the bank to defraud the loan. Many financial intermediaries get different amounts of commissions from the middle to the middle, which is much higher than the discount rate of depositors. Wei organized relevant personnel to forge the deposit certificates of the above depositors, and then used the forged deposit certificates as collateral to defraud the bank of huge loans. ...
At present, the police have arrested a number of major suspects. The funds involved were also frozen. The police said that if the parties can prove that the source of the deposit funds is legal and legitimate, the deposit will be gradually thawed after investigation and verification. ...
Put Zhang's hat on Li's head-blame something on the wrong person.
False trust
Either add the word trust to the company name to mislead investors; Or steal the name of the trust company to publish false products.
Remember, there are only 68 trust companies in China; Products launched by formal trust companies can be inquired through trust company official website or customer service hotline; This trust fund has invested millions.
Fake private bank
Falsely claiming that it has obtained or is applying for a private banking license, selling original shares or absorbing deposits in the name of fictitious private banks. At present, there are only five private banks, and the others are fake. Including Weizhong Bank (Tencent), Huarui Bank (Juneyao Group), Jincheng Bank (Zheng Tai Group), Wen Shang Bank (Tianjin Huabei Group) and Online Merchant Bank (Alibaba).
False fund
Design a fake fund website, then widely publish advertising information on the network, promise high returns, and finally run away. Investors must go to fund company official website, Bank official website and formal third-party fund sales companies to buy funds online.
Fake broker
Using a false identity to impersonate a well-known domestic securities company to open a phishing website has the characteristics of "inside information", "agent stock trading", "stock trading software" and "break even". Opening a stock account should be conducted in the business hall of a regular brokerage institution or in official website.
In addition, under the banner of overseas investment and high-tech development, fake or fictional internationally renowned companies set up websites to publish and sell overseas funds, original shares, overseas listing and high-tech development online.
In the name of investing in apartments for the elderly and providing joint old-age care in different places, high returns and providing old-age care services are used as bait to lure the elderly to "invest in the partnership"; Or induce the elderly to invest money by holding so-called health talks, free physical examinations, free travel, and distributing small gifts.
Spot silver investment
Lure customers to open accounts with high income, and then start to introduce spot silver to you, saying that spot silver trading is more flexible and can be bought and sold in both directions. When it goes up, it can be long, and when it goes down, it can be short, which has a large profit margin. After opening an account, professional teachers may earn some money after a few days, and then they will say that you have too little money to make money slowly, so that investors can increase the amount of funds, and the result is endless losses.
It's actually a gambling game. Trading software is manipulated by backstage people, and traps are set by exchanges, members and agents. When the market is at a high level, the price of silver, which should have fallen, has soared ... It is almost impossible for vulnerable retail investors to make money, and all the money lost has been earned by agents.
To participate in silver investment, you must choose formal platform operation and trading software. Formal platforms have simulation disks to facilitate investors to simulate actual operations.
After the chaos of precious metals in many places, the regulatory authorities made up their minds to take drastic measures to rectify the chaos of the exchange. Trading places that operate "precious metal spot" will be cleaned up and rectified, and such exchanges will eventually be reduced to about 20 in the country.
Conclusion:
After some listing, it is found that financial fraud has almost involved all fields of the financial industry, and all financial fraud has a typical feature, that is, high interest rates. And the essence behind it is human greed. Finally, I want to sum up with this sentence: "You are greedy for the interests of others, and others want your principal. Remember. "