P2P fraud spreads to the countryside: junior boss cheated a 300 million-P2P scam, P2P-IT information
Month five, met years aunt.
Last year, she was not easy. I learnt from my mother, my aunt is a P2P company last year, nearly 200,000 boondoggle we worked so hard to accumulate. It was a big blow to her, has still not come out.
And happened to see just the "iceberg". The last two or three years, rise of the Internet finance in rural areas, those covered with P2P coat of "Ponzi" spread from cities to rural, small town, and the aunt of victims continue to emerge.
Festival information: encounter a small town woman
Hometown is a small coastal town is Guangdong Province, 500 kilometers from Pearl River Delta. Near the ocean, but is still economically underdeveloped areas of Guangdong. The elderly left behind like aunt in the town's population, receive information closed, naturally became the most desirable target pseudo-P2P.
"I was wrong his people! "My aunt said angrily. Her "friends", referring to her family's nephew. See memory, 2015 Spring Festival, nephew back nearly ten years working in Shenzhen kept her recommend called "rural treasure" of financial products, said annual revenue up to 25% to 32%. 10,000 bucks can get to 9 dollars a day in interest, interest to account every day, the principal can be taken out at any time after 30 days.
The first time she heard "benefit card centuries" the company name. This is a P2P company was established less than two years, headquartered in Shenzhen, one of the main business is the Internet for rural finance. Introduction according to the official website, "rural treasures" are the products.
Unable to withstand the temptation, begin to see voted in 1000, then slowly again 10,000, 20,000, to the "accident", the total invested 180,000 yuan, this was a small town retirement for the elderly.
At first, the monthly interest payments can be issued as scheduled, but soon the bad news followed.
The end of 2015, benefits card another financial product of the century "treasure out of poverty" just online for 5 days, the Netizen posted saying "friends investment treasure had been cheated out of poverty". Two days later, and there is a suspected former employees in the company's online post said the company paid difficult.
February 2016, the situation worsened, the company announcement for several days in succession, to lock the investors ' principal, 30 days to withdraw, and then converted to 48 days, and then to 60 days, up to 90 days.
When aunt and investors in China have gone to Shenzhen, ask now, but in the end empty-handed. On February 24, 2016, the micro from the firm released a rare, public announcements, "urged the party and the State receives benefits card century refuge and asylum, Hui centuries into a State-controlled enterprise. "Company CEO He Zhengsong also made a military order, saying" after the State-owned enterprises, before December 31, 2023 for the motherland will benefit card to create the marketing and service network all over the world 80% more than major cities in the country the world's top 100 technology and services enterprise. "This announcement shocked financial circles of the Internet at the time.
A few days later, however, Shenzhen police seized card benefits centuries. Police said the company high returns for the stunt to social capital for a particular object, from Guangdong, Beijing, Jiangsu, more than 10 provinces and over more than 30,000 investors were cheated of more than 300 million Yuan.
Fooled by a junior middle school graduate Mister 300 million
With the "trader" arrested, the P2P insider fraud began to surface.
Hui, Chairman and CEO, Chairman of the century He Zhengsong is dejiang of Guizhou, and after graduating from junior high school dropout, but says he has been teaching himself history, various entrepreneurial management, motivational success, and so on, "If you were writing a book can be. ”
Worked, and stall, the most brilliant period of 2009 to 2011, he sells in Weihai, Shandong sea view room, made a profit of 10 million. Since he came to Hong Kong businesses, because they are not familiar with Hong Kong's business environment and business failure. In April 2013, he founded came to Shenzhen from Hong Kong-Hui card centuries.
In just two years, benefits card build 26 founding team of the century, there is research and development of industrial robots, Internet of things, have developed "small biography", as well as research "Che Xiaobao," "small treasure" and other projects. September 2014, Christiaan Huygens centuries on the start line card financing, has released "Hui wallet" and "entrepreneurial treasure", "Hui Xinbao" 7 platform.
Common features of these financing vehicles are promised higher interest rate returns, and can withdraw at any time. "Hui wallet" is 10% to 16%, "entrepreneurial treasure" of 16%, the highest for "everyone", 18%.
In addition, benefits card company also has registered the qianhai in Shenzhen Haotian science and technology company limited, Shenzhen tour network consulting company 11 companies in the world, in fact the only company to do business with, the other 10 were shell companies. He Zhengsong himself acknowledges, these projects, there is no profit.
"Nothing the White Wolf", is the infamous "Ponzi scheme". Frankly, such a technique is not wise, but in a small town village, but often successful, and number of victims in General.
P2P "countryside": a plate of "stale" business
For China's booming P2P industry is concerned, the future of rural business will becomes P2P market is one of the main drivers of growth. P2P into the rural market, which can bring quick and easy ways of investment and financing, as well as financing channels in rural areas lack an effective supplement. P2P business sinking, is also an effective way for healthy development of the industry as a whole, culminated in a differentiated market positioning.
However, when P2P platform for swarm to the rural market, this "business" has gradually gone sour.
Previously, a Netizen who works in a P2P platform in Shenzhen posting on the Internet, exposing a lot of P2P "pro-poor" unknown trick.
His company is a P2P platform for claim amount has been calculated at 1 billion, employs up to more than 1000 people, but half of them are responsible for "marketing", which promised high interest rates, and persuade others to give money to the company.
As with all P2P pseudo platform, the company's business is also very rich, O2O, rural business, cross border e-commerce, Internet, Internet banking, intelligent robots, online information platform for educational, social, employment, food and beverage entities, and so on. But in 2016, focuses on the development of rural areas, industrial parks and business base in the rural areas, and to open a martial arts school ... ...
However, all these projects are false, and some projects can pretend to run a few days, most projects would live on in PPT. For example recently pushed the "small x-Po" (decoration of the Internet) project, from establishment to dismiss key personnel for only a few months, APP and website done after the dissolution of the team has to do other projects. No actual operation of the project as a whole. But the project is not operational, not making money, the company will not close it, but still show, as beginning to attract funds.
In this "simple" process, averaging 15-20 days the company will launch a new project, about 2-3 months later, the project will launch operations to absorb investment.
Last month, the company's fortunes at the end of action can be called "madness" that sigh of relief for farmers launched a rural x Po financing, change x packs several new financial products. These new products promise investments doubled during the Chinese new year, before investment during the Chinese new year not to mention the enjoyment of double benefits, also send Chinese new year 1.3%+ financial envelopes, wait for rural "retirement" looted.
P2P "hoax" is sweeping our country loved ones
In recent years, the P2P crash event: e rent Po 74 billion involved millions of people, Hebei Zhuo civil high interest-bearing loans of over 400,000 people, Hebei financial investment guarantees (P2P behind the increase) of over 50 billion, Kinsey silver and 6 billion in Shenzhen, Hubei cornerstone wealth 5 billion, 4 billion, Suzhou, Chengdu Huitong gaoshi 2 billion ... ...
Behind the large number of victims, even the country that a group of people who could not escape the clutches of poverty.
The Beijing times reported, Henan Hao Chen xiping investment guarantee company limited has recruited more than more than 40 respected farmers as a clerk, so they get money from the County's more than more than 4,000 farmers hand nearly 200 million Yuan. 16 of a national poverty alleviation and development in key counties in Henan countryside, has 14 townships were "pseudo-P2P", illegal fund-raising "loot", in which a village was cheated of more than 8 million Yuan, many villagers even can't afford the insurance.
Routine are is as, first promised investors virtual high of profit, and very low of threshold and fast returns, for example months returns 30%, and years returns 23 times times, investment 60,000 yuan up 15 days on can mention now like of; again using online development line constantly development new of investors, on can in clan relationship strong and most stay in acquaintances social of rural formed virus type spread, was cheat of people on like Leek as cut finished a stubble also has a stubble.
Now, with the end of the Lunar New Year holiday, the young generation to have to return to work. P2P fraud is also active in many small town five or six lines of "no-man's", quietly spread. This is not an alarmist, perhaps, the next victim is you my relatives in the countryside.
P2P诈骗向农村蔓延：初中毕业老总骗了3亿 - P2P诈骗,P2P - IT资讯
正月初五，见到了多年不见的大姨。
过去的一年，她过得并不好。我从老妈那儿得知，大姨去年被一家P2P公司坑了，辛辛苦苦攒的近二十万打了水漂。这件事对她的打击很大，至今仍未走出来。
而大姨的遭遇只是“冰山一角”。近两三年，农村互联网金融兴起，那些披着P2P外衣的“庞氏骗局”从城市蔓延到小镇乡村，和大姨一样的受害者不断涌现。
春节见闻：一位小镇老太太的遭遇
老家是粤西的一个沿海小县城，距离珠江三角洲500公里。虽然临近海洋，但在广东仍属于经济欠发达地区。像大姨这样上了年纪留守在小镇的人群，接受信息相对闭塞，自然成了伪P2P最称心的目标。
“我就是错信了自己人啊！”大姨愤愤地说。她口中的“自己人”，指的是她本家的侄子。大姨回忆，2015年春节，在深圳打工了近十年侄子回来不停给她推荐的一款名为“农村宝”的理财产品，宣称年化收益高达25%至32%。一万块钱一天可以拿到9块钱的利息，利息每天到账，本金30天后可以随时取出来。
她第一次听到“惠卡世纪”这个公司名字。这是一家当时成立不满两年的P2P公司，总部位于深圳，主要业务之一便是面向农村的互联网金融。据官网上的介绍，“农村宝”是其拳头产品。
经受不住诱惑，一开始大姨投了1000元，后来慢慢地再投1万、2万，到了“出事”前，总共投入18万元，这是一位小镇老人养老钱。
起初，每月的利息还能如期发放，但很快，不利的消息接踵而来。
2015年年底，惠卡世纪另一款理财产品“脱贫宝”刚上线5天，即有网友发帖称“朋友投资脱贫宝被骗”。两天后，又有一篇疑似为该公司前员工的网友发帖称公司发工资困难。
而2016年2月之后，情况急转直下，公司接连几日发布公告称，要锁定投资者的本金，30天才能提现，继而转为48天，再变为60天，直至要等90天。
当时大姨和中国各地的投资者曾奔赴深圳，要求提现，但最终空手而归。2016年2月24日，该公司微信公号发布一则奇葩公告，“恳请党和国家接收惠卡世纪投靠和庇护，让惠卡世纪变为国家控股企业。”公司CEO何正松还为此立下的军令状，称“变为国企之后，在2023年12月31日前为祖国将惠卡打造成为营销及服务网络机构遍及全球80%以上国家各大城市的世界100强科技及服务企业。”这篇公告在当时震惊互联网金融圈。
然而几天后，深圳警方查封惠卡世纪。警方通报称，该公司以高额回报为噱头向社会不特定对象吸收资金，来自广东、北京、江苏等10多个省市的3万多名投资者被骗3亿多元。
一位初中毕业的老总骗了3亿
随着“操盘手”落网，这场P2P诈骗内幕渐渐浮出水面。
惠卡世纪董事长兼CEO董事长何正松是贵州德江县人，初中毕业后辍学，但称自己一直在自学历史、各种创业管理、励志成功学等等，“如果现在写书都可以。”
打过工，摆过地摊，最辉煌的时期是2009年至2011年，他在山东威海卖海景房，赚了一千万。此后他到香港创业，因不熟悉香港商业环境而创业失败。2013年4月，他从香港来到深圳创立惠卡世纪。
短短两年时间，惠卡世纪构建26个创业团队，有研发工业机器人、物联网的，有研发“小自传”的，还有研究“车小宝”、“装小宝”等项目。2014年9月，惠卡世纪开始线上融资，先后发布“惠信钱包”、“创业宝”、“惠信宝”等7个融资平台。
这些融资平台的共同特点是承诺较高的年利率收益，并可随时提现。如“惠信钱包”的为10%至16%、“创业宝”的为16%，最高的为“人人创”，达18%。
此外，惠卡公司还先后注册了深圳前海濠天科技有限公司、深圳市自游天下网络咨询有限公司等11家公司，事实上有业务往来的只有一家公司，其他10家均是空壳公司。何正松本人也承认，这些项目中，至今没有一个实现盈利。
这般“空手套白狼”，便是臭名昭著的“庞氏骗局”。坦白说，这样的手法并不高明，但在小镇乡村，却屡屡得手，而且受害者数量一般都不少。
P2P“下乡”：一盘“变味”的生意
对于国内蓬勃发展的P2P行业而言，未来的农村业务也必然成为P2P市场增长点的主要驱动力之一。P2P进入农村市场，既能带来方便快捷的投融资方式，同时也是对农村融资渠道缺乏的一种有效补充。P2P业务的下沉，也是整个行业健康发展的一种有效途径，最终产生了差异化市场竞争的定位。
然而，当P2P平台一窝蜂涌向农村市场时，这盘“生意”却渐渐变味了。
此前，一位在深圳某P2P平台工作的网友在网上发文，揭露了许多P2P“扶贫”中不为人知的猫腻。
他所在的公司是一家号称融资额已经以十亿计算的P2P平台，员工高达1000多人，但其中有一半人负责“做市场”，即许诺高额利息，劝说别人把钱投给公司。
和所有的P2P伪平台一样，这家公司业务也非常丰富，有O2O、农村电商、跨境电商、物联网、互联网金融、智能机器人、在线教育、社交招聘、餐饮实体、信息平台等。但在2016年，重点开发的是农村地区，要做农村地区的产业园和创业基地，还有要开办武术学校……
但是，这些项目统统都是假的，有的项目会装模作样运行几天，大多数项目根本只活在PPT上。比如说最近力推的“装小X宝”（互联网装修）项目，从设立到遣散骨干人员只有短短几个月，APP和网站做好之后就解散团队去做其他项目了。整个项目根本没有实际运营。但项目不运营、不赚钱，公司也不关闭它，而是依然对外展示，作为吸引资金的由头。
在这个“简便”流程下，平均15-20天公司就会推出一个新项目，大概2-3个月后，这个项目就会上线运营，吸收投资。
过去的一个多月，这家公司的年底敛财行动堪称“疯狂”，一口气针对农民推出了农村X宝理财、零钱X包等几款新的理财产品。这些新产品都承诺过年期间投资双倍，之前的投资如果在过年期间不提现也享受双倍待遇，过年还加送1.3%+的理财红包，恨不得把农村的“养老钱”洗劫一空。
P2P “骗局”正席卷我们乡下的亲人
近年来，P2P崩盘事件层出不穷：e租宝740亿牵连百万人，河北卓达民间高息借贷超40万人入局，河北融投担保（P2P背后增信）超500亿，深圳金赛银60亿、湖北财富基石50亿、成都汇通40亿、苏州高仕20亿……
而背后众多的受害者中，连乡村最贫穷那一批人也难逃魔掌。
《京华时报》曾报道，河南浩宸投资担保有限公司在西平县共招聘了40多名德高望重的农民做业务员，让他们从全县4000多户农民手中揽走资金近2亿元。河南一个国家扶贫开发重点县的16个乡里，有14个乡都被“伪P2P”、非法集资“洗劫”，其中一个村被骗800多万元，很多村民连医保都交不起了。
套路都是一样，先许诺投资者虚高的利润、极低的门槛和快速回报，例如月收益30%、年收益23倍，投资6万元起15天就可以提现之类的；再利用上线发展下线不断开发新的投资者，就可以在宗族关系强而且大部分停留在熟人社会的农村形成病毒式传播，被骗的人就像韭菜一样割完一茬还有一茬。
如今，随着春节假期结束，年青一代又不得不返城工作。而P2P诈骗也活跃起来，在很多五六线小县城“如入无人之境”，悄然蔓延。这并非危言耸听，也许，下一个受害者就是你我乡下的亲人。