2015 illegal fund-raising cases amounting to a record: seven jiede trick-illegal fund raising, P2P, financial scams-IT information
Disposal of illegally raised funds Inter-Ministerial Joint Conference Office Director Yang Yuzhu revealed yesterday that illegal fund raising number of new cases nationwide last year, the amount of money involved, participate in fund-raising numbers respectively increased by 71%, 57%, 120%, over the peak.
Prevention and disposal of illegally raised funds at yesterday's legal policy advocacy forum, Yang Yuzhu, private investment and financing agencies, P2P network loans, farmers ' cooperatives, real estate, private equity is still illegal financing, the hardest-hit areas, private education, local Exchange, mutual insurance and other suspected illegal fund-raising problems emerging in the field.
Zhang Jingli, Deputy Director of the Ministry of public security investigation introduction year filed illegal fund-raising crimes in China since last two thousand or three thousand, the number soared to tens of thousands. First quarter of the year, filing amounting to more than 2,300 employees. Super billion cases increased significantly the amount of money involved.
Concentrated in cases at the same time, illegal fund raising crime refurbishment upgrades. Yang Yuzhu, said from the forestry, mining, real estate sales, the original form of rights issue, to join the operation gradually upgrade package for the "investment" and "wealth management", "Internet banking-banking", "Finance and financial assistance" as varied as financial products, and promised security, low risk and high returns, and so on. According to incomplete statistics, finance and investment, such illegal fund-raising cases accounted for more than 30% of the total number of new cases.
In addition, illegal fund-raising network has become increasingly evident. "Via the Internet, such as advertising, sales, payment and collection of funds to achieve offline fully integrated, making illegal fund-raising spread faster, cover a wider, more convenient product sales, transfers more quickly, accelerates the spread risk, increase the difficulty of cases against disposal. "Yang Yuzhu said.
It is understood that the disposal of illegally raised funds Inter-Ministerial Joint Conference will be organized in May this year launched a national guard illegal fund raising awareness month activities, and from May to July national arrested for illegal fund raising information information investigation and cleanup activities.
End of seven tricks of illegal fund-raising
1. No clear standard of virtual financial management
"Month of 30%", "15 days" ... ... This "MMM financial communities" at one time by virtue of high returns for investors in droves. This type of virtual money to "mutual aid", "charity", "compound interest" for the stunt, naked project support, no clear investment direction, high income and low threshold and fast returns for bait, rely on continuous development of new investors to realize high profits.
2.P2P platform made up of project financing
"E rent treasure" as representative, such deception through the fictional project, with new or old Ponzi scheme model, parent companies or affiliates for the platform of financing; to collect the money and then looking for loan targets, private pools of capital, illegally absorbing deposits; illegal melting at their peril, with high interest rates as bait for a fraud.
3. "Old age" deception in the name of older persons
In 2015, a company called chengjidayi "pension program" funding, lured many elderly people to participate in. Such tricks as "old-age" banner, United homes retirement with investment apartments, distributed in the name of luring the elderly "joining the investment"; through so-called health lectures, free medical, tourism, distribution and other small gifts, luring old investments.
4. Buy VIP real financing for real estate companies in disguise
Some real estate companies in front of the project without obtaining pre-sale permit, or even project is not developed, in the form of internal subscription, issue VIP cards, sales financing in disguise, or even "a room to sell more." Some chartered, repurchase commitment to after sales for bait, the whole building is divided into a number of small shops for sale.
5. Illegal equity raise, the sale of the original unit
These scams often banner outside investment, high-tech development, fake or fictitious international known company set up a Web site, publishing sales overseas listing of the offshore fund, the original unit, and other information, proceeds from the fictitious value prospects to entice people to remit funds to specified account, and then close the website, with the money go into hiding.
6. Disguised as financial products on sale
In Pan-Asian illegal fund raising in Kunming last year, for example, electronic exchanges through authorized service agencies and certain business networking platform to be packaged into financial products sold, were arrested for illegal fund raising.
7. "Mutual help" small donor expenses
"Mutual aid", "Union" in the name of non-insurance agency, based on network platform is similar to form mutual insurance "schemes for mutual assistance", but only a small contribution fee without risk pricing and rate making, insurance contracts are not, and do not have insurance qualifications, commitment and financial security to effectively guarantee.
2015年非法集资发案数达历年最高：七大骗术揭底 - 非法集资,P2P,金融诈骗 - IT资讯
处置非法集资部际联席会议办公室主任杨玉柱昨日透露，去年全国非法集资新发案数量、涉案金额、参与集资人数同比分别上升71%、57%、120%，达历年最高峰值。
在昨日举行的防范和处置非法集资法律政策宣传座谈会上，杨玉柱表示，民间投融资中介机构、P2P网络借贷、农民合作社、房地产、私募基金等仍是非法集资重灾区，民办教育、地方交易场所、相互保险等领域涉嫌非法集资问题逐步显现。
公安部经侦局副局长张景利介绍，我国非法集资犯罪年立案数由过去的两三千起大幅攀升至上万起。今年一季度，立案数达2300余起。涉案金额超亿元案件明显增多。
在案件集中爆发的同时，非法集资犯罪手法翻新升级。杨玉柱介绍说，从过去的农林矿业开发、房地产销售、原始股发行、加盟经营等形式逐渐升级包装为“投资理财”、“财富管理”、“互联网金融理财”、“金融互助理财”等形形色色理财产品，并承诺有担保、低风险、高回报等。据不完全统计，投资理财类非法集资案占新发案总数的30%以上。
此外，非法集资网络化趋势日益明显。“借助互联网开展宣传、销售、资金支付和归集等，实现线上线下全面结合，使得非法集资传播速度更快、覆盖范围更广、产品销售更便捷、资金转移更迅速，加速了风险蔓延，增加案件打击处置难度。”杨玉柱说。
据了解，处置非法集资部际联席会议将于今年5月组织开展全国防范非法集资宣传月活动，并于5月至7月开展全国涉嫌非法集资广告资讯信息排查清理活动。
非法集资七大骗术起底
1。没有明确标的虚拟理财
“月收益30%”、“满15天即可提现”……这家“MMM金融互助社区”凭借高额收益曾一度令投资者趋之若鹜。此类虚拟理财多以“互助”“慈善”“复利”为噱头，无实体项目支撑，无明确投资标的，以高收益、低门槛、快回报为饵，靠不断发展新投资者实现虚高利润。
2.P2P平台编造项目融资
以“e租宝”案为代表，此类骗术通过虚构项目，用借新还旧的庞氏骗局模式，为平台母公司或关联企业融资；先归集资金再寻找借款对象，私设资金池，非法吸收存款；违规自融自担，以高息为饵进行诈骗。
3。打“养老”旗号诱骗老年人
2015年，一家名为成吉大易的公司借“养老项目”集资，诱骗许多老人参与。此类骗术打着“养老”旗号，有的以投资养老公寓、异地联合安养为名，引诱老年人“加盟投资”；有的则通过举办所谓养生讲座、免费体检、旅游、发放小礼品等，引诱老年人投资。
4。内购VIP实为房企变相融资
一些房企在项目未取得预售许可证前，有的甚至是项目还没开发，就以内部认购、发放VIP卡等形式，变相销售融资，甚至“一房多卖”。有的则以承诺售后包租、回购为饵，将整幢建筑划分为若干个小商铺进行销售。
5。非法股权众筹、买卖原始股
这类骗术往往打着境外投资、高新科技开发旗号，假冒或虚构国际知名公司设立网站，发布销售境外基金、原始股、境外上市等信息，虚构股权上市增值前景，诱骗群众向指定账户汇入资金，然后关闭网站，携款逃匿。
6。伪装成理财产品发售
以去年昆明泛亚非法集资案为例，有电子交易场所通过授权服务机构及网络平台将某些业务包装成理财产品出售，涉嫌非法集资。
7。假“互助”收小额捐助费用
一些以“某某互助”、“某某联盟”等为名的非保险机构，基于网络平台推出与相互保险形式类似的“互助计划”，却只收取小额捐助费用，没有经过风险定价和费率厘定，不订保险合同，不具备保险经营资质，相关承诺履行和资金安全难以有效保障。