A scam with high annualized income as bait

Due to the narrow channels of private investment and low bank interest, many P2P online loans often use high annualized income as bait, which makes investors feel excited.

"At present, the annualized rate of return of P2P platforms is generally between 10%- 15%, and some P2P platforms give annualized rates of return as high as 20% or even 30%." Zheng Feng talked about the annualized rate of return given by Nanchang Branch of Hanghang Loan, which is basically between 8%- 14% according to different investment periods.

This is the usual trick of many pseudo P2P online lending platforms. Many investors who lack awareness of risk prevention are easily tempted by high annualized income, ignoring that the higher the annualized interest rate, the greater the possibility of default.

At present, many P2P online lending platforms generally have problems such as cash withdrawal difficulties and loans overdue. Accordingly, the latest statistics show that as of July 15, there are 62 new P2P platforms in China. Among the new problem platforms, 36 lost contact and 3 ran away, accounting for 62.9% of the total. There are 19 platform and four platforms that have difficulties in withdrawing cash and stop operating.

"The platform uses this' small sweetness' way to let investors relax their psychological alert, thus realizing long-term fishing for investors.

Scam 3 released the "second mark" of false investment projects. The so-called P2P online lending platform is generally a platform provided by online lending companies. Lenders and borrowers are free to bid and reach a deal. "You have money, he wants money, and I set up a platform to get it done", which is the most popular description of P2P online lending platform.

It stands to reason that the revenue of P2P online lending platform should come from the commission of "matching", but now the revenue of some P2P online lending platforms is not here, but some popular targets (investment projects) are fictitious, and they are robbed by seconds as soon as they go online. The industry calls it "the second standard", which deceives many investors to invest, and then defrauds them to use it for financing and other projects.

The "second mark" is a self-directed deception of the running platform. With the fiery and urgency of the "second mark", it gives investors the illusion that the project has great investment value, high income and many customers.

"In fact, many of them are fake labels made by the platform itself, or labels made by themselves. This is a kind of deception. " Zheng Feng said that in order to attract popularity and attract more investors, the running sub-platform deliberately distributed many short-term project "second marks" to create illusions to defraud more investors.

Ponzi scheme is actually "robbing Peter to pay Paul". Income is not to make money through the company's business, but to use the money of new investors to pay interest and short-term returns to old investors, create the illusion of making money, and then defraud more investment. "In this way, investors can usually get a return in a short time, but with more people joining, the capital inflow is insufficient, and the bottom investors will suffer money losses." The boss behind such an online lending platform used the money in other places, such as paying off bank debts, investing in stocks, meeting his living expenses and so on. And promised to give investors the advantage of paying back the interest and principal of the former investor with the money of the latter investor, robbing Peter to pay Paul, and once the capital chain breaks, they can only run away.

Scam five online loan affiliates make guarantees. In order to reassure investors, many P2P platforms claim that there are guarantee companies to ensure the safety of funds. In fact, some guarantee companies themselves are affiliated companies of online lending platforms. Some P2P platforms not only have wealth management services online, but also have a large number of wealth management stores offline. Most of the wealth management assets are provided by affiliated companies within the group (small loans, pawns, financial leasing, etc.). ) and guaranteed by the guarantee company within the group. That is to say, "self-promotion, self-protection". At present, there are many private financial groups in the industry. Investors should be cautious. When investing, you must check whether borrowers, guarantee companies and online lending platforms are related.

In order to reduce risks and ensure investment safety, do not touch platforms with annualized rate of return exceeding 20%; Platforms with frequent "second marks" cannot be touched; A platform with a huge financing amount for a single project cannot be touched; The platform suspected of self-absorption and wealth collection cannot be touched; The guarantee company is an affiliated company of the online lending platform itself and cannot be touched.