College network credits are lying and deceiving others: three monthly flow of thousands of University students, net loans, Ponzi scheme-IT information
"I'm just looking for some money to spend, money back were deceived, that things would come to this. "Recently, in jail, Wang Hua, under the Prosecutor's questioning sobbing. He would have liked on the eve of graduating business, but goes right in to make money: use usury to defraud other people's money and frittered away empty. Yongchuan district Procuratorate to the crime of fraud in financing prosecution of Wang Hua, Wang Hua was sentenced to 11 months.
NET loans had been deceived, he played a "deceitful"
Wang Hua is a senior student of a University in Shandong province. In July 2015, through a program called "IOU" network credit for "lending", was cheated out of nearly 6000 Yuan.
The deception was very depressed by Wang Hua, he wanted to put the money back in other ways. In August 2015, Wang Hua a Netizen to give him a message, meaning to give him money to invest, he can pay higher interest. Wang Hua suddenly "brain hole opening", with nothing to do before they graduate, just to learn the ways to make money. Therefore, Wang Hua has established a program called the "micro-credit" QQ Group, he posted a message in the Group: you have the money to vote for me, I'll give you the investment, lending the money to others, I give you the interest a week the return of principal and 20% interest.
High interest returns for many students move more people to Wang Hua money.
Self QQ Group, nearly half the members of college students
Wang Hua's temptation of interest so high, others raised questions. At this point, early stage investor feedback they receive higher "return" was still in wait-and-see people believe Wang Hua has the economic strength and investment channels, take the initiative to his investments. Yongchuan district highlighted continued investment at Wang Hua, a junior in a University, and paid off on time. Thinks he earned in the first bucket of gold he passed a message to student Lin Chao, Lin Chao tempted by high interest rates, investment at Wang Hua, and inform others of the message.
Introduced precisely because of back and forth between users, Wang Hua QQ Group of friends at one point grew to more than 30 people, netizens investment relates to Guizhou, Chongqing, Shandong, Guangdong, and other provinces, and eventually found the victims in the 50% are college students.
Capital chain rupture, "Ponzi schemes" bankruptcy
Receives funds from the users, Wang Hua and not to invest. He "robbing Peter to pay Paul", part of the funds used to pay high interest rates, another part was used to purchase air tickets, travel and other spending. In November 2015, one withdrawal of large sums of money, which led directly to the capital chain rupture of Wang Hua. At this point, Wang Hua orchestrated high interest investment "Ponzi scheme" is bankrupt.
Last April, was reported captured by the local public security organs Wang Hua.
Upon review, Wang Hua in fraud during their consumption of more than 60,000 yuan and the remaining funds are used to return the investment principal and interest. Before the incident, Wang Hua's family help him to return money to investors of more than 350,000 yuan, but after the incident is still in arrears of more than 130,000 yuan. It is understood that only three or four months, Wang Hua network funds account with investor backing up of funds flowing back and forth the General ledger has amounted to millions of Yuan.
After the case, Wang Hua truthfully facts of the crime, because he is a college student, a first offender, sentenced to 11 months by the Court's decision.
Hosting the Prosecutor reminded, "usury" itself has violated the, students must recognize the damage caused by usury. To do the "three no's": one is the "can't lie", can't use loan-sharking fraud on behalf of; the second is "not to" to control their consumption levels, develop healthy habits of consumption, without usury; the third is "not vote" alert, don't believe the lure of high interest rates and borrowing of others investments, resulting in property damage. (Xinhua correspondent Li Baiyang also figures in the text are not his real name)
大学生网贷被骗，然后自己骗别人：三个多月流水达千万元 - 大学生,网贷,旁氏骗局 - IT资讯
“我只是想找点儿钱来花花，把被骗的钱赚回来，没想到事情会发展成这样。”近日，在看守所里，汪华在检察官的讯问下泣不成声。他本想在毕业前夕创业，不料却在生财之道上走了歪路：利用高利贷骗取他人钱财并挥霍一空。永川区检察院以集资诈骗罪对汪华提起公诉，汪华被法院判处有期徒刑11个月。
网贷被骗，他起了“骗人”心思
汪华是山东省某高校的大四学生。2015年7月，他通过一个名叫“借条”的网络借贷方式进行“放贷”时，被骗去近6000元。
这次被骗让汪华非常郁闷，他想通过其他方式把钱赚回来。2015年8月，汪华的一位网友给他发消息，意思是把钱给他去投资，他能支付高额利息。汪华突然“脑洞一开”，想到毕业前也没事做，刚好可以学这个方法赚钱。于是，汪华建立了一个名叫“小贷”的QQ群，他在群里发布消息：你们有钱全投给我，我来给大家做投资，把钱放款给别人，我给你们出利息，一周返还本金及20%利息。
高利息回报让不少学生动心，陆续有人给汪华投钱。
自建QQ群，成员近半大学生
面对汪华提出的如此高的利息诱惑，也有人提出了质疑。此时，前期的投资人反馈自己得到高额“回报”，顿时群中还在观望的人都相信汪华具有经济实力和投资渠道，主动向他投资。永川区某高校大三学生高亮在汪华处持续投资，并准时收到回报。自以为赚得人生中第一桶金的他将消息又传给同学林超，林超受到高利息的诱惑，也在汪华处投资，并将消息告知他人。
正是因为网友之间的来回介绍，汪华的QQ群友一度发展到30多人，投资的网友涉及山东、广东、贵州、重庆等多个省市，而在最终认定的受害人中，五成都是在校大学生。
资金链断裂，“庞氏骗局”破产
收到网友打来的资金，汪华并没有拿去投资。他通过“拆东墙补西墙”的方式，将一部分资金用来支付产生的高额利息，另一部分则用于购买机票、旅游等进行消费。2015年11月，一位网友撤去大量资金，这直接导致汪华的资金链断裂。至此，汪华精心策划的高利息投资即“庞氏骗局”也就破产了。
去年4月，被人举报的汪华被当地公安机关抓获。
经审查，汪华在诈骗过程中自己消费6万余元，其余资金均用于返还投资人本金和利息。案发前，汪华的家人帮他向投资人返还资金35万余元，但案发后仍欠款13万余元。据了解，仅三四个月时间，汪华网络资金账户上与投资人往复回投产生的资金流水总账已达千万元。
到案后，汪华如实供述犯罪事实，因他是在校大学生，系初犯，法院作出有期徒刑11个月的判决。
承办检察官提醒，放“高利贷”本身就已触犯刑律，在校大学生一定要认清楚高利贷带来的危害。要做到“三不”：一是“不能骗”，不能用高利贷的名义进行诈骗；二是“不要借”，要控制自己的消费水平，养成健康的消费习惯，不借高利贷；三是“不要投”，提高警惕，不要相信他人高利息的诱惑而借款投资，最终造成财物损失。（记者钱也 通讯员李柏阳 文中人物均为化名）