Learning experience of combating illegal fund-raising
By studying the lecture on how to combat illegal fund-raising organized by branches, I have a deeper understanding of what illegal fund-raising, its main manifestations, its social harm and how to prevent illegal fund-raising in my future work. Here are some experiences and thoughts on my study:
1. What is illegal fund-raising? What are the characteristics and main manifestations of illegal fund-raising? The so-called illegal fund-raising refers to fund-raising without the approval of relevant departments according to law, including those without approval authority; The department with approval authority approves fund-raising beyond its authority, that is, the fund-raiser does not have the main qualification of fund-raising and promises to repay the principal and interest to the investor within a certain period of time. The forms of debt service are mainly monetary, but also physical and other forms; Raise funds from unspecified objects in society. The "unspecified object" here refers to the public, not a specific minority; Cover up the essence of illegal fund-raising in a legal form. Its main characteristics are:
1. Fund-raising without the approval of relevant departments according to law, including the approval of departments without approval authority; The department with approval authority approves fund-raising beyond the authority, that is, the fund-raiser does not have the main qualification of fund-raising.
2. promise to repay the principal and interest to the investor within a certain period. The forms of debt service are mainly monetary, but also physical and other forms.
3. Raise funds from socially unspecified objects. The "unspecified object" here refers to the public, not a specific minority.
4. Cover up the essence of illegal fund-raising in a legal form. In order to cover up its illegal purpose,
criminals often sign contracts with investors (victims), pretending to be normal production and business activities, and maximizing their ultimate goal of defrauding funds.
The main manifestations of illegal fund-raising:
The situation of illegal fund-raising is complicated, with various forms. Some are under the banner of supporting local economic development, advocating green and healthy consumption, and some cite new concepts such as property right leaseback, e-commerce, e-gold, investment funds, etc., with hidden means and strong deception. Judging from the current crime situation, illegal fund-raising can be roughly divided into four categories: creditor's rights, equity, commodity marketing, production and operation. Mainly manifested in the following forms:
1. Illegal fund-raising in the name of planting, breeding, project development, manor development, ecological and environmental protection investment, etc.
2. Illegal fund-raising in the name of issuing or disguised shares, bonds, lottery tickets, investment funds and other rights certificates or futures trading or pawning.
3. Illegal fund-raising by claiming shares and participating in dividends.
4. illegal fund-raising by means of membership card, membership card, seat card, discount card and consumption card.
5. illegal fund-raising by means of commodity sales and leaseback, repurchase and transfer, membership development, business alliance and "quick points method".
6. Use non-governmental organizations such as "associations" and "cooperatives" or underground banks to raise funds illegally.
7. illegal fund-raising by using "virtual" products constructed by modern electronic network technology, such as "electronic shops" and "electronic department stores" to invest in entrusted operation and repurchase at maturity.
8. Divide the property, real estate and other assets into equal parts, and illegally raise funds by selling the right to dispose of their shares.
9. Illegal fund-raising in the form of signing commodity distribution contracts.
1. Illegal fund-raising in the form of pyramid selling or secret series.
11. Use the Internet to set up investment funds for illegal fund-raising.
12. illegal fund-raising in the form of "electronic gold investment".
Second, the social harmfulness of illegal fund-raising:
Illegal fund-raising involves a wide range, which is extremely harmful to the construction of a harmonious socialist society in China. Its main manifestations are as follows:
1. After the illegal fund-raising criminals gather funds by deception, they squander, waste, transfer or illegally possess them, so it is difficult for participants to recover the funds, and in serious cases, they even lose everything.
2. Illegal fund-raising seriously interferes with the normal economic and financial order, and easily leads to social risks. Disrupted the order of the socialist market economy. Illegal fund-raising activities take high returns as bait, with the purpose of defrauding funds, which destroys the financial order, affects the healthy development of the financial market and easily leads to social risks.
3. illegal fund-raising can easily lead to social instability and seriously affect social harmony. Illegal fund-raising often involves a large scale of fund-raising, a large number of people, a low proportion of fund payment, and great difficulty in handling it, which easily leads to a large number of social security problems, group incidents and serious social stability.
4. Damaged the reputation and image of the government. Illegal fund-raising activities often commit crimes in the name of "responding to national forestry policies" and "supporting ecological environmental protection", which not only affects the implementation of national policies, but also seriously damages the reputation and image of the government.
therefore, public security organs and judicial organs should severely crack down on illegal fund-raising activities according to law.
third, how to stay away from illegal fund-raising?
1. The bait with high interest rate is not tempted. All kinds of illegal fund-raising activities have one thing in common, that is, promising high returns. Whenever you encounter such "pies falling from the sky", you must take it easy, and you can't fall into the trap set by the deceiver because you see others become jealous of money.
2. The boss doesn't worship "strength". We can't be fooled by the hype of some enterprises. Even if some enterprises were really prosperous at that time, due to many variables in market and operation, the risk of "investment" is everywhere and it is possible to lose all your money. It is necessary to combine the basic characteristics of illegal fund-raising, mainly depending on whether the subject qualification is legal and whether the fund-raising activities it is engaged in are approved, rather than simply believing in the "strength" of the boss.
3. The "official" background is not superstitious. In illegal fund-raising activities, it is often easier to confuse the masses with the participation of government officials or by fabricating official backgrounds under the guise of officials. It not only makes people mistakenly think that it is an official act, but also gives people the illusion of making a steady profit. People should remember that "official" does not necessarily represent "official", and the participation of officials does not mean formal financing activities.
4. "Legal" storage is careless. The "legal" status of bank and postal workers is often convincing, and it is very likely to give some unscrupulous people an opportunity to cheat in the name of deposit and financial management. Deposits should go to banks and postal windows to obtain legal access certificates, and should not be handed over to individuals easily.
5. acquaintances are "enthusiastic" and not credulous. Illegal fund-raising mostly relies on pyramid schemes, which are introduced and promoted by relatives, friends and acquaintances. On the one hand, it is easy to gain trust, on the other hand, it is inconvenient to refuse because of face, so this method is easier to penetrate among the people and its harm is wider. Therefore, in the face of the kindness and goodwill of acquaintances, how long it takes.
6. Do not participate in illegal storage. In the face of illegal fund-raising, we should not only believe in "right and wrong", but also be victims, not to participate and be harmers. We should not only stay away from illegal fund-raising, but also consciously resist and actively report this illegal act that harms the country and the people with the conscience and responsibility of a citizen.
As a staff member in the financial industry, they should know, understand and abide by the law, stay away from illegal fund-raising, and strive to improve their professional ethics standards. When people are found to be deceived, they should promptly remind and warn them to avoid unnecessary losses.