The frequent occurrence of major cases, the large amount involved and the large number of participants have become the new characteristics of illegal fund-raising. Why do investors fall into the trap of illegal fund-raising? How harmful is illegal fund-raising? Recently, the reporter conducted a follow-up investigation in Beishangguang and other places where cases were concentrated.
Illegal fund-raising is covered with various "vests"
The relevant person in charge of the Guangzhou Municipal Finance Bureau told the reporter that although all kinds of illegal fund-raising are covered with various "vests", they will remain the same. In terms of techniques, it is nothing more than painting cakes, creating momentum, and attracting money, that is, promising high returns, fictional or exaggerated investment projects, false propaganda, and creating momentum. It makes investors fall into the trap step by step and cannot extricate themselves.
The reporter's investigation also confirmed this statement. Most investors are attracted by "high returns". The promised income of these so-called wealth management products is generally between 10%-30%, and some even reach more than 40%, which is very attractive.
Judging from the exposure of several cases of "illegal fund-raising", they all made up the so-called "investment story" and then promised high returns.
Show "painting cakes" first. Take the newly investigated illegal fund-raising case of CICC assets in Shanghai as an example. Since July, 20 12, "China-Jin Department" has registered more than 50 subsidiaries, controlled more than 0/00 limited partnership enterprises, defrauded investors' trust by means of false business, related party transactions and inflated performance, and promised high annualized income in the name of "China-Jin Partner Plan" in disguise, among which the annualized income of a "permanent partner product" was as high as 40%.
Show "building momentum" again. In order to show its "great strength", the "Zhongshan Department" not only sponsored a satellite TV dating program "Meet Saturday" in Shanghai, but also hired celebrities as image spokespersons. Many rented office spaces are landmark high-end commercial buildings.
The "Zhongshan Department" also illegally absorbed funds from unspecified public through online publicity and offline promotion, and finally the capital chain broke.
Invest by luck
Qiu Yitong, deputy director of Guangzhou Financial Bureau, said that in recent years, the target groups of criminal gangs are mostly laid-off workers, retirees and other middle-aged and elderly groups. Most of the victims of the "Bangjia" case in Guangdong are middle-aged and elderly people, even widowed elderly people. Under the guise of emerging industries such as financial leasing, "Bangjia" engages in publicity meetings and promotion meetings to defraud middle-aged and elderly investors. A victim told reporters that "Bangjia" had a publicity meeting in Nansha, with six halls, which was particularly imposing. I thought it was a powerful big company, so I was taken in.
During Tomb-Sweeping Day this year, Xuanwu Branch of Nanjing Public Security Bureau disclosed a case of illegal fund-raising fraud. Since April last year, an investment company named "Yingkou Li Weida" in Zhujiang Road, Xuanwu District has hired a special person to distribute leaflets in downtown areas, claiming to invest in a temple restoration and burial project in a county town of Liaoning Province, giving a monthly return of 2% to attract investment. More than 50 elderly people participated in Nanjing, with an investment of more than 3 million yuan. However, after the Spring Festival this year, the company was deserted.
"In the past, suspects in illegal fund-raising cases often talked about annual income, but from recent cases, it has developed in the direction of less investment and seemingly low return, which has increased confusion." Yan, deputy head of the Economic Investigation Brigade in Xuanwu District, said: "However, there are also some old people who are lucky or even gambling. An old man in the survey said that he felt it might be a scam, but he thought he could get away with it and make money before the company's capital chain broke. "
It is difficult to recover the cheated funds.
A person from the Office of the Leading Group for Handling Illegal Fund-raising in Guangzhou said that due to the wide range of victims, illegal fund-raising is of great social harm, which will not only cause property losses to investors, but also endanger the security of the financial system.
A case handler of the Guangzhou Municipal People's Procuratorate told the reporter that most of the funds had been squandered or their whereabouts were unknown before the crime of illegal fund-raising was uncovered. Even if the court makes an effective judgment on the case, it is difficult for many victims to recover all or part of the defrauded funds. According to Nanjing Xuanwu police, when the police handling the case arrested Feng Mou, the main suspect in Yingkou Li Weida Investment Company case, they found that he had no money on him, and the defrauded money was used to pay the team's labor expenses, interest and past debts.
In March this year, the Supreme People's Court, the Supreme People's Procuratorate and the Ministry of Public Security jointly issued Opinions on Several Issues Concerning the Application of Laws in Handling Criminal Cases of Illegal Fund-raising, which clearly stipulated that "the interest and dividends paid to fund-raising participants who absorbed funds, as well as the agency fees, benefits fees, kickbacks, commissions, royalties and other fees paid to those who helped absorb funds" should be recovered according to law.
Police reminder
The public security department reminds investors that when purchasing wealth management products, they must fully understand the product information to avoid falling into the trap of illegal fund-raising. If they can't judge at the moment, they can consult the relevant departments and refer to the following tips:
First, compared with the interest rate of bank loans and the yield of ordinary financial products, in most cases, the obviously high return on investment is likely to be an investment trap.
The second is to check whether the identity of the subject is legal and true by inquiring about relevant information such as industry and commerce and taxation.
Third, in case of selling the upcoming shares in the domestic and foreign securities markets, you can check whether it has been approved for issuance through the government website.
Fourth, through the media and Internet resources, search and query the illegal and criminal records of related enterprises.
Fifth, we should make careful decisions on low-risk and high-return investment suggestions recommended by relatives and friends to prevent ourselves from becoming "offline".
Thanks for reading!