Scam: A farmer in Shandong Province opened "China Construction Bank" to make quick money. All kinds of equipment, signs and tooling are readily available, which is enough to confuse the real with the fake. As a result, it only absorbed 40,000 deposits and was seized, because this bank only collects money and does not withdraw money.
In addition, there are fake banks that falsely claim that they have obtained or are applying for a private banking license, selling original shares or absorbing deposits in the name of fictitious private banks. At present, there are only five real private banks, including Weizhong Bank (Tencent), Huarui Bank (Juneyao Group), Jincheng Bank (Zheng Tai Group), Wen Shang Bank (Tianjin Huabei Group) and Online Merchant Bank (Alibaba), and the others are all fake.
Deception: confuse the real with the fake!
Top7, bank financial evasion
Scam: Bank flying orders, that is, bank employees are attracted by the high commission of investment companies, privately "collude" with other investment companies, sell the wealth management products of investment companies in the name of banks, and deceive investors by exaggerating the income too much, which leads investors to be fooled. A few months ago, a number of citizens claimed that they bought wealth management products from Li, the account manager of Beijing Tongzhou Sub-branch of Agricultural Bank of China. After the maturity, the principal and income were not cashed, involving 17 people and 22.48 million yuan. This is a typical case of bank flight orders.
Buying bank wealth management products is regarded as a very safe way for many investors, but if you don't look carefully, you probably won't buy formal bank wealth management products. From July 2065438 to July 2005, a case of "flying orders" also occurred in Guangfa Bank. Five people, including Ms. Liu, the customer, bought a private placement product with an annual income of 1 1% under the recommendation of a Beijing branch of Guangfa Bank, but they did not receive the promised principal and interest after a one-year redemption period, with a total investment of 7.67 million yuan.
Deception: internal and external collusion, high-income fraud!
Top6, high discount deposit fraud
Fraud: More than a year ago, 16 depositors in Xiaoshan, Hangzhou and Ningbo deposited a huge sum of 288 million yuan in China.
The thing is, Mou Wei, the head of a large local private enterprise, first offered a high discount, such as 3.5% and 4.4% discounts on the basis of enjoying the bank's fixed interest rate, to attract depositors from Zhejiang and other places to deposit 3120,000 yuan in dongxiang county ICBC. Then collude with the top management of the bank to defraud the loan. Many financial intermediaries get different amounts of commissions from the middle to the middle, which is much higher than the discount rate of depositors. Wei organized relevant personnel to forge the above depositors' certificates of deposit, and then used the forged certificates of deposit as collateral to defraud the bank of huge loans.
At present, the police have arrested a number of people involved in the case, including the person in charge of the bank, the account manager, Mou Wei, the legal representative of the loan enterprise, and relevant personnel involved in forging documents. The funds involved were frozen from September 26th, 20 15 to March 25th, 20 16. The police said that if the parties can prove that the source of the deposit funds is legitimate, they will gradually unfreeze the deposit after investigation and verification.
Deception: high-interest savings fraud in different places!
Falsification: Some companies that log on to the "fourth board" (local stock transfer system) claim that they can "upgrade" from the regional stock exchange center to the new third board or small and medium-sized board in the next two or three years, advocating that the original shares they sell have the potential to skyrocket and attract investors to buy them. Under the impact of the investment concept of "no equity and no wealth", a series of original stock selling dramas began to be staged.
20 15, 12, 1 1, official website, the China securities regulatory commission issued a document saying that a few listed companies in individual regional equity markets (mostly cross-regional listed companies) declared that they had or would soon be "listed" in the regional equity market, sold or transferred "original shares" to the public, and promised a fixed income. More reports were made by Shanghai Yousuo Environmental Protection and several companies in Henan. They all started to sell the original shares after logging into the Shanghai Equity Custody Trading Center, and then people went to the building.
Deception: When selling the original shares, investors mistakenly think that the Shanghai Equity Custody Trading Center is the Shanghai Stock Exchange.
Top four, gold medal, silver medal and silver medal events
Scam: 20 15 at the end of September, located in Beijing.
Jinsaiyin used the following tricks to defraud investors' trust: First, it was a window dressing. It rented a very high-end luxury club in Shenzhen, giving investors the image of "high above". Second, officials sell in the name of government projects. Third, under the guise of Ping An insurance protection, some investors broke the news that more than 200 Ping An insurance salesmen participated in it, and many investors thought it was a Ping An insurance product. The fourth is to blow the listing. People who don't know think there are many cows. In fact, the threshold for listing in the Shanghai Stock Exchange Center is extremely low, which is much worse than the New Third Board, not to mention the GEM and the main board.
Deception: use a pseudonym endorsement to defraud investors' trust!
Top3, private lending
Scam: With the annual interest rate of 20%, 30% or even higher as the cover, after the initial investment of tens of thousands, investors will add hundreds of thousands or even millions after tasting the "sweetness", and finally the borrower will run away and the enterprise will close down. The more famous ones are the Sichuan Huitong guarantee incident and the Hebei Rongtou incident.
According to China Business News, Huitong has a registered capital of 900 million yuan, which is one of the largest joint-stock cooperative credit guarantee professional companies in Sichuan Province and even in Southwest China. Forged a large number of loan projects, registered hundreds of shell companies, and raised funds from the private sector through dozens of investment and wealth management companies. Finally, the capital chain broke and the executives fled, involving about 654.38+0 billion.
According to Caixin. Com, Hebei Rongtou was once the second largest guarantee company in China and the largest guarantee company in Hebei Province. Its default events involve a wide range, and many banks, trusts, private lending and asset management institutions are involved, involving tens of billions of funds.
Deception: high-interest deception!
Scam: MMM Mutual Finance comes from Russia, and its founder sergei mavrodi became famous in the early 1990s. Millions of Russians participated in the MMM financial pyramid built with MMM, but the project only lasted for three years and collapsed in 1997. He was jailed for 4.5 years for fraud and continued to cheat after he was released from prison. In 20 13, MMM Mutual Finance landed in India, but it was seized by Indian law enforcement agencies before it could exert its skills. His team was accused by many countries as a fraud gang. After cheating Russian and Indian countries, they cheated China.
Investors can obtain the internal currency of the system by providing funds to "seekers" as "helpers" After 15 days, the investor will be paired with a new helper to become a helper and sell the internal currency. The monthly interest rate is 30%, which is maintained by the development of offline, and promises high returns and high profits.
In fact, this is a company organization without government approval, only a complex website, which was recognized as one of the biggest Ponzi schemes in the world more than 20 years ago. On 20 15 12.25, the platform announced that all cash withdrawal applications were cancelled at present.
Deception: the deceived person is also a liar, taking advantage of the greedy psychology that everyone believes that he is not the last one.
Scam: February 3, 20 15, 15, 40 people were exposed and investigated. This week, e-Rent responded to the media bombing in a high-profile way, releasing announcements, lawyers' letters and public relations drafts. When the relationship between the media and e-Rent Bao was tense, on the evening of February 8, 20 15, the Ministry of Public Security entered e-Rent Bao and officially started the investigation. At around 7: 00 pm, e-Rent's website and APP can't be opened. 20 15 12 10 The media revealed that Ding Ning, the actual controller of e-Rent Bao, was arrested, and the police also took away a group of high-performance employees. Even the famous brand and logo of Yucheng Group, the parent company of e-Rental, have been demolished.
At this point, e-Rent Bao, an internet financial platform that advertised and raised 75 billion yuan in prime time before CCTV news broadcast, died in the hustle and bustle, leaving a chicken feather.