Revealing how virtual currency "money begets money"-money fraud-IT information
Wear a waistcoat, and cloud cover, involving more than 5,800 people in 28 provinces, involving hundreds of millions of ... ... Recently, the public security organs cracked in virtual currency with "love money" for units of measurement, national King of the promised high interest rate rebates for illegal fund-raising cases of criminal gangs.
How do virtual currencies "money begets money"? "Xinhua viewpoint" reporter found that the illegal fund raising groups make project "come to naught" money in order to legally conceal illegal fund raising purposes, showing professionalism highly deceptive, and concealment.
Come to naught: the hundred days return 80%-electron integrals to withdraw
In January 2014, Hsieh was introduced by friends including music, cloud storage, cloud cloud technology services, books and other products, this product by wantong miracle cloud computing platforms of social capital (hereinafter referred to as wantong miracle).
It is understood that the value of this product is not on the product itself. According to us a miracle, members spend $ 1999 to buy us Marvel series suits become wantong Member daily access to 32 electrons points, 16 points for bonus points can be used for withdrawals and 1 electronic score is equal to $ 1 maximum bonus 100 times. 16 points for shopping points for shopping in the shopping site in the future.
80% return on day of temptation, Hsieh spent 26000 Yuan buying the two products. From March 2013 to August 2014, investors who buy wantong miracle products like Hsieh about 5000 people, but with the increase in the numbers applying for withdrawal, many dividends did not get, the principal drain.
Guangdong Police survey found, wantong miracle series financing products by wantong miracle so-called of investment banking holding Group Chairman Xu a, and CEO Liu a and the implementation Director Xu Mouzhong, and "financial learn home" Sun a, people 2013 planning established, to Beijing area as Center, publicity through wantong miracle for social capital revolution, using Internet cloud service, and cloud computing and global retail discount system for global customer provides capital zoom, using wantong miracle social capital cloud computing platform, in domestic illegal absorption public funds.
According to case police introduced, for commitment of dividends electronic points amounts rapid increased, part members while application mention now, Xu a, people for prevent funds back, has take improve mention now costs, and electronic points Exchange hundred people network original equity, and members Zhijian mutual sale electronic points, and will original electronic points conversion for "love currency" became country card members, way consumption electronic points, delay mention now, cheat procedures fee, illegal absorption public funds hundreds of millions of Yuan Yuan.
Gold: putting legitimacy to virtual currencies get cash
In prison, Xu argued, wantong miracle sell cloud services software products are effective, value for money; high interest profit from entering electrical contractor. But police have been identified, involved no actual operating and transfer of funds, fund balance to support the gang returns the required amount of external publicity.
Industry experts believe that suspects in connection with the use of original investment equity financing, e-commerce and other new concepts, with cloud services as a publicity stunt to avoid responsibility, and business profits as a cover, to electronic credits, "love money" and other virtual currencies get cash, then layers of consumption points, delay, limiting withdrawals. This empty glove White Wolf's "money game" sly and subtle.
--High interest rates offered, "rich" in the name of "head". Purchase products registered as a member, can receive up to $ 16 per day, ranging from very high returns; online through an Internet Web site, Twitter, micro-credit, QT sound room, line through recommendation, Internet publicity, such as wantonly "head".
Found that these so-called promotion is only one theme: some say "make money, happy! "Drinking, singing, agitated and incendiary," some agitators is the child care ", tricky still hesitant investors feel free money.
--A legitimacy, and auras can be seen. Police investigators described, Xu, who incorporated a number of companies have legitimate business registration information. To confuse the public, Xu in a professional Association founding Chairman, angel investors, investment bankers and other names in the media propaganda, even big investors to Hong Kong, Dubai, "create a company so powerful feeling."
--Under various pretexts, limits, delay withdrawals. Wantong miracle series suits the original commitment to rapidly increasing the amount of bonus e-points, membership application is now faster, Xu to the old and new servers you want transferred, data integration, an excuse to limit, delay membership withdrawal. In 2014, Xu and others in the case of investments that are not returned to investors stopped wantong miracle series kits, to redeem after the original stake, activate "love money", points between Member trading and other consuming electronic score, delay, limiting withdrawals.
2015 Xu a, people to its parent Xu a and cousin soup a of name, in Shenzhen has registered established Courtyard by Marriott pass company, and country gold control company, and hundred people network company, series company, claimed to will company 50% original equity to original wantong miracle of members to save loss, original wantong members pay original investment loss amount 1% of costs on can again registered became country members and get "love currency", intensified again cheat masses.
Warning: not sure what earnings problem should identify those risks often rational investment
June 2015 to August, the people's Bank of China Office of the Guangdong Authority, the China Securities Regulatory Commission has informed the public security organs: wantong miracle, Courtyard by Marriott International investment development (Shenzhen) limited, and network technology (Shenzhen) limited, among others, is not approved in the territory of China public offering of shares, bonds and other securities business, and above in connection with the qualification of companies and individuals do not take deposits from the public.
This means that the activities of these groups take money from the public is illegal.
"The virtual currency of professional economic crime of illegal fund-raising activities, strong concealment. "Said Guo Hua, a Professor of finance and Economics School of law through legal registration to cover through media campaigns, professional endorsement for the trust; right to proceeds by transferring the management structure design, such as circumventing the law, legitimate under the cloak of an illegal activity to identify more difficult.
However, whether it is virtual currency or a P2P platform, not sure what earnings are just people, tend to have problems. Economic Investigation Bureau-stakeholders of public security Liu Lujun said the Director of the economic crime investigation department, the current stakeholders such as pyramid schemes, illegal fund-raising activities with a high incidence of economic crime, and there are wide geographical, personnel, means new features.
He said that while police will continue to take the initiative and focus case investigation against a combination of; on the other hand against findings of law, system, supervision and prevention of deficiencies, actively promote improvement. Combat illegal fund-raising crimes, you need many region linkage, regulatory cooperation, the support of financial institutions, also require people to be more vigilant, enhanced recognition.
One investor told reporters after being cheated, vote for money to issue platform, themselves not without notice, but in the face of a high rate of temptation, and still get away with that, so long as no last great, your money can get it back.
CUPL Internet financial legal Institute Dean Li Aijun professor said, investment a to carefully view company information disclosure whether completely; II to see funds collection of account whether is Bank managed of account, if is natural or is platform himself of account, on risk is big; three to see investment platform of qualification whether legal; four to dispersed risk, recommends masses small investment, and rational investment, don't know how fluke.
揭秘网络虚拟货币如何“钱生钱” - 虚拟货币,网络诈骗 - IT资讯
穿电商马甲、打云服务幌子，涉及28个省5800多人，涉案金额数亿元……近日，公安机关侦破一起以虚拟货币“爱币”为计量单位、承诺高息返利的全国特大涉嫌非法集资犯罪团伙案件。
虚拟货币怎么“钱生钱”？“新华视点”记者调查发现，这个非法集资团伙广立名目“画饼”吸金，以合法形式掩盖非法集资目的，表现出极强的欺骗性、专业性和隐蔽性。
画饼：百日回报率80%电子积分可提现
2014年1月，广东的谢先生被朋友介绍了一款包括云音乐、云储存、云图书等在内的云科技服务产品，这款产品由万通奇迹社交资本云计算平台（以下简称万通奇迹）推出。
据了解，这款产品的价值并不在产品本身。按照万通奇迹的说法，会员花1999美元购买万通奇迹系列套装成为万通卡会员，每日可获得32个电子积分，其中16个积分为分红积分，可用于提现，1个电子积分等于1美元，最多可分红100次。另外16个积分为购物积分，用于日后在购物网站购物。
在80%的百日回报率诱惑下，谢先生花26000元人民币购买了两套产品。从2013年3月至2014年8月，像谢先生这样购买万通奇迹产品的投资者约有5000人，但随着申请提现人数增多，很多人分红没拿到，本金也打水漂。
广东警方调查发现，万通奇迹系列融资产品由万通奇迹所谓的投资银行控股集团董事长徐某、CEO刘某及执行董事徐某忠、“金融学家”孙某等人2013年策划成立，以北京地区作为中心，宣传通过万通奇迹进行社交资本革命，利用互联网云服务、云计算和全球零售折扣系统为全球客户提供资本放大，利用万通奇迹社交资本云计算平台，在国内非法吸收公众资金。
据办案民警介绍，因承诺的分红电子积分数额急速增加，部分会员同时申请提现，徐某等人为防止资金倒流，先后采取提高提现费用、电子积分兑换百人网原始股权、会员之间相互买卖电子积分、将原电子积分转换为“爱币”成为国度卡会员等方式消耗电子积分，拖延提现，骗取手续费，非法吸收公众资金数亿元人民币。
吸金：披合法外衣以虚拟货币套取资金
在看守所里，徐某辩称，万通奇迹销售的是实在的、物有所值的云服务软件产品；高息的利润来自入驻电商。但警方已查明，涉案资金并无用于实际经营且有转移动向，资金余额无法支撑该团伙对外宣传的回报所需资金数量。
业内专家认为，涉案嫌疑人利用投资原始股权理财、电子商务等新概念，以云服务作为规避责任的宣传噱头，以电商盈利为掩护，以电子积分、“爱币”等虚拟货币套取资金，然后层层消耗积分，拖延、限制提现。这套空手套白狼的“吸金游戏”狡猾而隐蔽。
--高息利诱，以“富”之名“拉人头”。购买产品注册成会员，每天可得到最高16美元不等的高额回报；线上通过互联网网站、微博、微信、QT语音房间，线下通过举办推荐会、互联网宣传等方式大肆“拉人头”。
调查发现，这些所谓的推介会主题只有一个：一些人说“赚到钱了，高兴！”现场喝酒唱歌，情绪激动，极具煽动性，“有的鼓动者是托儿”，蛊惑还在犹豫的投资人放心大胆投钱。
--披合法外衣，借光环造势。办案民警介绍，徐某等人注册成立的一系列公司都有合法的工商注册信息。为迷惑大众，徐某以某国专业人士协会创会会长、天使投资人、投资银行家等名头在媒体上宣传，甚至组织大投资客户去香港、迪拜，“营造一种公司很有实力的感觉”。
--巧立名目，限制、拖延提现。因万通奇迹系列套装原本承诺的分红电子积分数额急速增加，会员申请提现增速快，徐某以需新旧服务器转接、数据整合等借口限制、拖延会员提现。2014年，徐某等人在未返还投资人的投资款的情况下，停止了万通奇迹系列套装产品，后又以积分兑换公司原始股权、激活“爱币”、会员间积分买卖等方式消耗电子积分，拖延、限制提现。
2015年徐某等人以其父徐某和表兄汤某的名义，在深圳先后注册成立万怡通公司、国度金控公司、百人网公司等一系列公司，宣称要将公司50%原始股权送给原万通奇迹的会员以挽回损失，原万通会员交纳原投资损失金额1%的费用就可以重新注册成为国度会员并获得“爱币”，变本加厉再次欺骗群众。
警示：说不清靠什么盈利的往往有问题应甄别风险理性投资
2015年6月至8月，中国人民银行办公厅、中国证券监督管理委员会广东监管局先后通报公安机关：万通奇迹、万怡通国际投资发展（深圳）有限公司、百人网络科技（深圳）有限公司等机构未核准在中国境内公开发行股票、债权等证券业务，上述涉案公司及其个人不具备吸收公众存款资质。
这意味着上述团伙吸收公众资金的活动是非法的。
“这起以网络虚拟货币进行非法集资的经济犯罪活动专业性、隐蔽性很强。”中央财经大学法学院教授郭华表示，通过合法工商登记来打掩护；通过媒体宣传、请专业人士背书来获取信任；通过转移经营收益权等结构设计规避法律，合法外衣下的非法活动给人们识别增加了难度。
然而，不管是网络虚拟货币还是P2P平台，说不清靠什么盈利只是拉人的，往往有问题。公安部经侦局涉众型经济犯罪侦查处处长刘路军表示，当前传销、非法集资等涉众型经济犯罪活动高发，并有地域广、人员多、手段新等特点。
他说，一方面公安机关将继续采取专项行动和重点案件侦办相结合的方式开展打击；另一方面对打击工作中发现的法律、制度、监管和防范等方面存在的不足，积极推动完善。打击非法集资犯罪，需要多地区联动，监管部门的配合，金融机构的支持，也需要群众提高警惕，增强识别能力。
一位投资人被骗后告诉记者，投钱给问题平台时，自己并非全无察觉，但面对高息诱惑，还是心怀侥幸，认为只要不接最后一棒，自己的钱就能拿回来。
中国政法大学互联网金融法律研究院院长李爱君教授表示，投资一要仔细查看公司信息披露是否完全；二要看资金归集的账户是否是银行托管的账户，如果是自然人或者是平台自己的账户，就风险很大；三要看投资平台的资质是否合法；四要分散风险，建议群众小额投资、理性投资，不要心存侥幸。