P2P routine, daily wrath-P2P, Internet financial-IT information
In recent years, with the increase in household wealth, especially with the development of Internet banking, financial innovation, but also a mixed bag, led investors to Peregrine. Recently, this reporter visited two respectively in Shanghai, Jiangxi cases involving economic crimes, opened the new illegal fund-raising and pyramid selling cases in the criminal insider, prompting brief method of identifying online fraud.
Illegal fund-raising
"P2P" platform promises higher interest earnings, investment funds into the individual pockets
Period of 12 months, earnings at an annual rate of 59.2%, has undertaken to guarantee the principal amount, whether such financing projects allow you to be tempted? This is called "Shanghai and easy loan" of the so-called "P2P" see investment projects on the platform. End of April 2015, this "P2P" website belongs to the top hundred companies on suspicion of crime of illegal absorbing public deposits were filed for investigation by Shanghai police.
Since March 2014, suspect XING has set up a "Shanghai-easy loan" site and packaged them into network financial investment platform, has released "new technology company" "equity pledge in bozhou city cycle loan" for 1-12 months of investment targets, commitments due to return principal and pay the high annual interest rates. To the incident, "Shanghai-easy loan" raised a total capital of more than 190 million Yuan.
"Industry earning financial money fast. "XING was originally involved in the building industry and beauty chain, scale is not small, but to see someone take the Internet financial concepts" into gold, "his idea. XING was an account of his "P2P business models: the first is on its own network platform for promotional packaging, for the confidence of investors and project financing on behalf of the release investment targets, and finally to make higher interest payments on time, investors must find ways to continue to attract more investment, to fill the front of investor interest.
"The profitability of the factory for a year now, 8% 15%, in less than 12 months in the short period of profiteering may simply not exist. "But XING, in order to make money," chaidongqiang, and to pay, "which uses three means" promotion ": the first is the usurious temptations, promising financial short product cycles and high returns; the second is conducted through the online packaging, create a powerful image; the third is online using emotional exchanges, giving small gifts to win sympathy in the elderly people by way of investment.
Shanghai hosted the case Inspector forest planting of economic investigation Corps detachment told reporters that police found that while "Shanghai and easy loan" Web site lists a large amount of investment, but not corresponding to the reality of real projects, "on the face of investor money into the project, but in fact went to XING, a personal account, by a discretionary XING. "Forest planting, P2P sites as a medium should only charge a service fee in the deal, but like" Shanghai-easy loan "capital in private hands, is equivalent to using the platform to form the" pool ", suspected of a crime.
New MLM
Network platform promise of electronic currency arbitrage, no new Member unable to withdrawal
Current network products dazzling, which also hides a new multi-level marketing organizations. May 2015 Jiangxi Yichun police investigation of such cases: suspect used "happy compound site" and "k-currency trading system", under cover of a finance and investment to engage in illegal pyramid selling activities. Reports from Yi Chun economic investigation team found a high level of participants in the local Dragon, and Dragon dug back in Luoyang, Henan province, "trader" King (its code in the website system)-Ma criminal suspects.
After a study found, happy compound network requires entrants to purchase at least a 1600 "financial products", and entrants for the 1600 electronic currency to activate the account. Since then, the accounts are automatically assigned to every 20 electronic money as income, but to realizable profit electronic currency have to be joined, and then to sell e-currency to new activated accounts, in this cycle.
"Pay entry fees, human development level, commissions, which are all essential characteristics of illegal pyramid selling. "Yichun police investigation detachment Deputy Chief Zhang Danqing said October 2014" happy network of compound interest "is online, but only 1.5 months later, began to show signs of electronic currency is difficult to liquidate profits," exchange electronic currency must have new members join, old members through dividends, site awards for electronic currency, if there are no new members joined, electronic money will not be able to withdraw. ”
In January 2015, "happy network of compound interest" as older members new members led to the slow pace of development is unsustainable and horses a makeover again developed a "diamond communication networks technology development co k currency trading systems" platform, e-currency translation of the original platform to the new platform, and claims to have changed the business model, but continued to collect dues and development off the profit. Until the incident, Ma had illicitly acquired more than 10 million Yuan and join a network most people devoid of. According to reports, the case involves a number of provinces and cities, large number and know each other, but the Internet has made this new MLM way faster and broader geographical coverage. Police warned that such a high return on investment, in the form of more subtle, allowing people to ignore the nature of illegal pyramid selling.
Police analysis, "happy compound interest network" is will in short time within let so more people cheated fall, a reasons is its to four line, and five line city suburb or rural for stronghold, using suburb residents and the rural villagers on online information true difficult differentiation, financial knowledge lack and the legal concept weak, factors, let its believes "happy compound interest financial" is a legal of online investment financial project.
Fraud identification
Official banner, committed to high-yield, promotional rebates tempting trap
Whether P2P banking scam Internet MLM organization, has a strong hidden and tempting, how to avoid traps, watch the principal, resist the temptation to Inflate profits?
In order to attract investments and these investments and pyramid selling organizations tend to make sounding name. According to the police, the implementation of many illegal fund-raising and marketing organizations under the guise of national, regional or sector development policies, fabricated or forged item name, this fictitious "investment products" and "his fortune" increase confusion and persuasive. National policies or is suspected to be alert to propaganda use of national policy, enhance the discernment.
In addition, in some cases of illegal fund raising, many organizations will be carrying out activities on behalf of the foreign company, self-proclaimed investment projects such as offshore banking, gold, futures, some outside the upscale hotel "investment" seminar. In order to further enhance credibility, also tend to have the following actions: on behalf of the beneficiary will be foreigners in the territory opened to receive investor's; promised to high-yield corporate website, servers located outside or Executive foreigners. To evade regulation, illegal fund-raising on Web sites and investment projects tend to frequent transformation, in particular its company website, careful inquiry found that no formal record. And operation of specific investment projects company, the qualifications of the majority are not in the banking business.
In actual operation, the lure of financial scams often have high and targeted, will organize some so-called "promotional rebate" campaign, for example, received funds, in their personal accounts or cash or instant delivery to the principal that is part of the Commission, dividends and interest. On the streets, supermarkets, shopping malls and other crowd movements, collected from gathering places spot or the issuance of "financial product" advertising, especially with elderly as the main target.
And new of MLM organization, for continued lure people fall cheated, often playing with "reform innovation" business, and investment mode of guise, like "e-commerce" "consumption returned Lee" "chain sales" "chain joined" "network game" "click advertising returned Lee" "charity career" "love mutual" "consumption pension" "electronic currency sale",; and additional various awards, claimed high returns, for example static returns, and dynamic returns, and straight push award, and layer push award, and on touch award, and see points award, and declarations award, and community performance award,.
P2P套路多，人民日报怒批之 - P2P,互联网金融 - IT资讯
近年来，随着居民家庭财富的增加，尤其是随着互联网金融的蓬勃发展，各种金融创新层出不穷，但其中也难免鱼龙混杂，导致投资人血本无归。记者日前探访了两起分别发生于上海、江西的涉众型经济犯罪案件，揭开新型非法集资与传销案件中的犯罪内幕，提示辨别网络诈骗的简要方法。
非法集资
“P2P”平台承诺高额利息收益，投资资金全入个人腰包
周期12个月，年化收益率高达59.2%，承诺保证本金，这样的理财项目是否让您动心？这是记者在一家叫做“沪易贷”的所谓“P2P”平台上看到的投资项目。2015年4月底，这家“P2P”网站所属的佰强公司因涉嫌非法吸收公共存款罪被上海警方立案侦查。
自2014年3月起，犯罪嫌疑人邢某设立了“沪易贷”网站并将其包装成网络金融投资平台，先后发布“新型科技公司借款”“亳州股权质押循环借款”等为期1至12个月不等的投资标的，承诺到期归还本金并支付高额年息。至案发，“沪易贷”共募集资金1.9亿余元。
“实业挣得难，金融来钱快。”邢某原先涉足过建筑行业及美容连锁，经营规模已然不小，但是看到有人借互联网金融概念“日进斗金”，自己便也动了心思。邢某交代了其“P2P的经营模式：首先是对自身的网络平台进行宣传包装，换取投资人的信任，然后以项目融资的名义发布投资标的，最后要想使高额利息能够按时偿付，必须想方设法不断吸引更多的投资人投资，才能填充前面投资人的本息。
“现在开工厂一年的盈利也就8%到15%，在12个月以内的短周期里根本不存在暴利的可能。”但是邢某为了让资金“拆东墙、补西墙”，利用三种手段展开“推广”：第一是高利诱惑，许诺理财产品周期短、回报高；第二是通过在网上进行包装宣传，塑造有实力的形象；第三是在线下利用情感交流、送小礼物以博得老年人同情等方式拉人投资。
主办此案的上海经侦总队一支队探长林植告诉记者，警方发现尽管“沪易贷”网站上列出了大量的投资标的，但无法与现实中的真实项目相对应，“表面上投资人的钱进了项目，可实际上都进了邢某的个人账户，再由邢某自行支配。”林植表示，P2P网站作为中介应该只在撮合交易中收取服务费，但像“沪易贷”这样将资金沉淀在个人手中，就等于利用这个平台形成了“资金池”，从而涉嫌犯罪。
新型传销
设网络平台承诺电子币利滚利，不拉新会员无法提现
当前网络理财产品让人眼花缭乱，其中还隐藏着新型传销组织。2015年5月，江西宜春警方就立案侦查了这样一起案件：犯罪嫌疑人利用“开心复利网站”和“K币交易系统”，打着投资理财的幌子，从事非法传销活动。经群众举报，宜春经侦支队在当地发现了一名层级较高的参与者龙某，并经由龙某挖出了背后在河南洛阳“操盘”的King（其在网站系统内的代号）——犯罪嫌疑人马某。
经调查发现，开心复利网首先要求加入者购买至少一份1600元的“理财产品”，然后加入者就换取到了1600个电子币以激活账户。此后，账户内每天都会自动分配给20个电子币作为收益，但要想把电子币变现获利就必须拉新人加入，然后把电子币卖给新人让其激活账户，以此循环往复。
“交入门费、拉人头发展层级、收取提成，这都是非法传销的本质特征。”宜春公安经侦支队副支队长张丹青表示，2014年10月“开心复利网”正式上线，可是仅仅1个半月之后，就开始出现电子币难以变现获利的迹象，“交易电子币必须要有新会员加入，老会员通过分红、网站奖励得到电子币，如果没有新会员加入，电子币也就无法提现。”
2015年1月，“开心复利网”由于老会员发展新会员速度缓慢导致难以为继，马某又改头换面重新开发了一个“香港钻石通讯网络科技发展有限公司K币交易系统”平台，将原先平台的电子币平移至新平台，并宣称改变了经营模式，但继续以收取会费和发展下线等方式营利。时至案发，马某已非法所得1000余万元，而加入其网络的绝大部分人都血本无归。据介绍，此案涉及全国多个省市，人数众多且互不相识，但互联网让这种新型的传销方式发展速度更快、覆盖地域更广。警方提醒，这种投资小、回报高的形式更加隐蔽，让人忽略了其非法传销的本质。
警方分析，“开心复利网”之所以会在短时间内让这么多人受骗上当，一个原因是其以四线、五线城市郊区或农村为据点，利用郊区居民及农村村民对网上信息真假难辨，金融知识缺乏及法律观念淡薄等因素，让其相信“开心复利理财”是一种合法的网上投资理财项目。
骗局辨识
打着官方旗号、承诺高息收益，促销返利诱人上当
无论是P2P理财骗局还是互联网传销组织，都具有较强的隐蔽性和诱惑性，如何防范陷阱，看好本金，抵挡住虚假利益的诱惑？
为吸引投资，这些投资项目和传销组织往往会打出冠冕堂皇的旗号。据警方介绍，很多非法集资的实施者和传销组织都会假借国家、区域或者行业的发展政策，编造或者伪造项目名称，以此来虚构“投资产品”和“发财机会”，增强迷惑性和说服力。要警惕宣传中借用的国家政策或者疑似国家政策的说法，增强辨别力。
此外，在一些非法集资的案件中，很多组织都会以境外公司的名义开展活动，宣传所谓的投资境外理财、黄金、期货等项目，有的在境外高档酒店召开“投资”推介会。为进一步增强可信度，往往还会有如下行动：收款账户会以外国人名义在境内开立，用于接收投资人的投资款；许诺高收益公司的网站注册地、服务器所在地也在境外或公司高管系外国人。为逃避监管，非法集资的有关网站和投资项目往往频繁变换，尤其是其公司网站，仔细查询可发现多数没有正式备案。而运作具体投资项目的公司，多数都没有从事金融业务的资质。
在实际运行中，理财骗局往往具有较高的诱惑性和针对性，会组织一些所谓的“促销返利”活动，例如，以个人账户或现金收取资金、现场或即时交付本金即给予部分提成、分红、利息。他们在街头、超市、商场等人群流动、聚集场所摆摊或设点发放“理财产品”广告，尤其以中老年人为主要招揽对象。
而新型的传销组织，为持续引诱人上当受骗，往往打着“改革创新”经营、投资模式的幌子，比如“电子商务”“消费返利”“连锁销售”“连锁加盟”“网络游戏”“点击广告返利”“慈善事业”“爱心互助”“消费养老”“电子币买卖”等；并增设各种奖项，宣称高收益，例如静态收益、动态收益、直推奖、层推奖、对碰奖、见点奖、报单奖、小区业绩奖等。