In 218, the P2P online lending industry frequently went out of danger nationwide, the platform was closed, investors could not get their money back, the actual controller of the company lost contact or absconded with the money, investors suffered heavy losses, and the P2P online lending platform exploded in many places.
according to the annual analysis report on the blacklist of dishonesty in 218 released by the national information center in official website on February 15th, according to the incomplete statistics of public information of public security organs in various places, there were 1,282 P2P platforms with problems in 218, mainly in Zhejiang, Shanghai, Guangdong, Beijing and other regions. Judging from the amount involved, 472 enterprises involved in the case exceeded 1 million yuan, of which 3 involved in the case amounted to 5 million yuan or more.
under the storm surge of P2P online lending platform, where will P2P go? Southern Reporter recently visited Guangzhou, Shenzhen, Foshan, Shanghai and other places, and conducted a centralized interview on the focus issues that industry experts and investors pay attention to, such as the existence of the online lending platform of "Thunderbolt", how to recover the losses of investors, and what breakthroughs the public security organs have made in the process of filing a case for investigation.
Southern Reporter learned from the Guangdong Provincial Public Security Department that the provincial public security department has filed a case against 67 P2P online lending platforms headquartered in Guangdong, investigated and judged, monitored and warned, and cracked down on a number of P2P online lending platforms. As of November 218, the public security organs * * * recovered 1 billion yuan of funds involved.
lured by high interest rates, it absorbed investment funds from the society without the approval of the national financial department
In May 218, shenzhen public Nanshan Branch filed a case for investigation of "Niu Niu Tongbao" suspected of fund-raising fraud. The platform lured a large number of victims to rent the company's machines on the grounds that fictitious leasing of the vending machines of the company would yield high returns. According to the Shenzhen Public Security Bureau, as of the platform "thundering", the victims have been defrauded by more than 1.16 billion yuan. On October 3th, Zhan Mopeng, the actual controller of the criminal suspect "Niu Niu Tongbao", was successfully arrested and escorted back to China. He was also the first actual controller of the company that fled overseas in Shenzhen Nanshan "Thunderbolt" P2P platform.
On July 16th, 218, shenzhen public Luohu Branch launched an investigation into the crime of illegally absorbing public deposits by "Billion Cat" in Shenzhen. The suspect Wang Moujun used the online P2P platform of Shenzhen Billion Cat Financial Services Co., Ltd. under his actual control to sell investment and wealth management products without the approval of China financial supervision department, involving more than 5, victims, and the suspected amount reached 42 million yuan.
On July 27th, Tianhe Branch of Guangzhou Public Security Bureau filed a case for investigation on Lide Fortune Company for alleged fund-raising fraud. The investigation by the public security organs found that the company operated the P2P online lending platform of "Lide Fortune". Without the approval of the financial supervision department, it purchased an empty shell guarantee company to guarantee the borrower with jade, steel and other pledges or guarantee companies, and in the name of the above-mentioned guarantee company, it hanged a bid on the "Lide Fortune" investment and financial management platform established by the company.
The police handling the case in Tianhe Branch of Guangzhou Public Security Bureau told Southern Reporter that the outreach guarantee companies of this platform are all affiliated companies, all under the name of Zheng Mosen, the actual controller of the company, and the guarantee companies borrow money from the platform in the name of enterprises by purchasing shell companies. The so-called jade, steel and other prices are seriously inflated, steel is fake, and the actual price is seven or eight times different from the target price.
After Zheng Mosen was arrested, he confessed that in order to win the attention of investors, the company also stood for itself by endorsing sports events and investing in advertising on a large scale. The advertising fee alone cost more than 2 million yuan a year.
The company sells wealth management products to the public with high interest rates as bait. The platform collects the account withdrawal management fee, repayment recharge fee and account service fee from the borrower. The borrower's borrowing cost is about 18%-24% annually. The platform issues the loan target, and the lender's annualized income is 8%-12.5% (including red envelopes and interest promotion). The platform collects the interest difference between the lender and the borrower in the form of account management fee.
confirmed by Guangzhou financial bureau, up to the time of the crime, the amount collected by the platform was nearly 1.3 billion yuan, with 17,2 lenders and 1,581 borrowers.
according to Guangzhou police, on July 2th, Zheng Mosen, the actual controller of Reed Wealth Company, fled overseas. On August 1st, Tianhe Branch of Guangzhou Public Security Bureau approved his criminal detention on suspicion of fund-raising fraud. When the public security organs formulated the preliminary arrest plan, they investigated the people around them, including social relations, life details and personality characteristics, and cooperated with the local police station. On the evening of September 14th, Zheng Mosen was arrested in Phnom Penh, Cambodia after being fully pursued by the "Fox Hunting Action" working group of the Ministry of Public Security.
In the case of suspected fund-raising fraud of "Touzhijia" investigated by Shenzhen Nanshan Public Security Bureau, the platform mainly operated the vertical search engine project of online loan companies in the early days of its establishment, and launched the online loan ETF fund project in early 215, invested in various P2P platforms, packaged and transferred the creditor's rights portfolio with the same term to investors, and extracted 25% of the comprehensive income, and then launched the "Touzhijia" P2P platform to carry out self-operated online loan business.
Fictitious wealth management products and forged mortgage certificates were taken as the subject matter, and the funds were squandered by individuals
In June 218, Chancheng Branch of Foshan Public Security Bureau of Guangdong Province launched an investigation into the alleged illegal absorption of public deposits by "wealth management coffee". The investigation by the public security organs found that the company involved in the case, Foshan Anwen Investment Management Consulting Co., Ltd., set up a "wealth management coffee" mobile phone software App and website by renting an Internet company server, took the forged property mortgage certificate as the subject matter, and released investment information to unspecified groups of society by publishing false wealth management products, and attracted investors with high interest, claiming that interest would be paid on a daily basis and the principal and interest could be repaid at maturity.
The wealth management products announced on the platform, such as Juhuicai, Juxiangbao, Juyingcai, High Interest on Fridays, Juquanbao, and Novice Exclusive, all indicate that the income is between 8% and 16%. The platform requires investors to download the "wealth management coffee" software and registered members to choose the type of products to buy. According to the time limit, there are 3 days, 35 days, 6 days, 18 days and 365 days.
according to the Foshan police, up to the time of the incident, there were about 13, registered users of the "wealth management coffee" platform, which spread all over the country. By inquiring about the background data of the "Financial Coffee" App software and the data of Tianjin Rongbao payment platform, the public security organs found that the platform * * * absorbed about 1.9 billion yuan of public deposits, and part of the absorbed funds were returned to the investment funds of due investors, while the other part was transferred by the intermediary account set up by the company in "Tianjin Rongbao", and the transferred funds were used for investing in real estate, buying and selling calligraphy and paintings, buying personal real estate, insurance or withdrawing cash through other accounts for consumption.
Nandu reporter recently learned from Foshan Public Security Bureau that as of November 218, the local public security organ * * * had received the report information of 1,424 investors nationwide, and until the platform could not withdraw cash, * * * had a deficit of about 32 million yuan. At present, the public security organs have temporarily frozen more than 4.85 million yuan involved in the case of Guo Mopeng, the actual controller and principal offender of the company, frozen more than 1.7 million yuan of the "Tianjin Rongbao" platform, seized 38 properties involved, seized a total area of 14,428 square meters of real estate, and seized 22 paintings and calligraphy.
P2P online lending platform uses fictitious wealth management products, but the huge funds raised to the public are used for personal profligacy. In the illegal fund-raising case of Shanghai "Shanlin Finance" filed by Pudong Branch of Shanghai Public Security Bureau in April 218, the platform sold fictitious wealth management products through the Internet platform with the promise of high returns ranging from 6% to 13%, and illegally absorbed more than 7 billion yuan from more than 6, people. Most of the fund-raising funds were used to repay the principal and interest to the previous investors, and some of the fund-raising funds were used to pay high commissions, rent luxury office space, and advertise.
Zheng Mosen, the actual controller of Guangzhou Lide Wealth, had instructed financial personnel to transfer RMB 3 million from the company's Gong Hu and personal accounts (the company controlled the use of funds) to the company's unrelated accounts before he fled overseas.
The police of the Overseas Pursuit Brigade of Tianhe Branch of Guangzhou Public Security Bureau told Southern Reporter that Zheng Mosen cleared all his assets and communication tools, flew from Hong Kong to Thailand, and then sneaked into Cambodia. During his flight abroad, Zheng Mosen went in and out of the local casino, lived in a villa, and there was a special person around him who was responsible for eating and drinking.
insiders: the threshold for enterprise registration is low, and it is achieved by hosting services.
The employees are mixed, and a group of ex-criminals of illegal fund-raising and pyramid schemes have been recruited.
On July 13, 218, Shenzhen Investment Home Financial Information Service Co., Ltd. suddenly announced the suspension of business. Within an hour later, the police station in the jurisdiction where Investment Home is located received an alarm call from the investment groups of Investment Home all over the country.
"With such a concentrated alarm in such a short time, the third-level alarm phone of the police station was blown up, and more than 8, alarms were received in one hour, which directly led to the temporary paralysis of the alarm platform." The police receiving unit revealed to the Southern Reporter. In the next two days, there were several large-scale and short-term centralized reports by the "investment home" investment group. Shenzhen public Nanshan Branch immediately filed a case for investigation of Shenzhen "Investment Home" on suspicion of fund-raising fraud.
industrial and commercial registration information of "Investment Home" shows that the registered address of the company is in Shenzhen Qianhai Shenzhen-Hong Kong Cooperation Zone, and its business scope includes providing financial intermediary services, accepting financial outsourcing services, investment management and entrusted asset management entrusted by financial institutions.
According to an insider, the threshold for P2P registration in Shenzhen is relatively low. Providing residential custody service through Shenzhen Qianhai Business Secretary Co., Ltd. can directly land even if the enterprise does not have a business address. Most P2P enterprises do not have a specific office address, but only a registered place, which also brings difficulties to financial supervision and public security precision strike.
Southern Reporter recently learned from Shenzhen Nanshan Public Security Bureau that up to the time of the crime, the "Investment Home" platform involved 18, investors, and now there are 1 suspects. On November 27th, the investment home platform issued an announcement that the depository account of the investment home platform was unfrozen in September, and users who have not cashed in can log on to the platform to withdraw their account balance.
P2P online loan funds flow frequently and enormously. As the most risky and core link of P2P platform, where the money comes from, what to do with it after it comes in, where the money goes, how to supervise and control the risk, and how to ensure the legitimate rights and interests of investors are all practical problems. Some insiders pointed out that the risk control of some P2P companies is the internal risk control of their own companies, and it is not uncommon to be both a referee and an athlete in the industry.
The above-mentioned insiders revealed to Nandu reporter that the threshold for employees of P2P online lending platform is low, and some employees of futures companies don't even have basic industry knowledge. Some middle-and high-level P2P companies only graduated from junior high school, and they know little about the company's strategic planning and operation, and even absorbed a group of people with illegal fund-raising and pyramid schemes. "A large number of non-professionals have infiltrated into P2P posts, and the impact on the professionalism and security of the financial industry is obvious."
When Tianhe Branch of Guangzhou Public Security Bureau investigated the suspected fund-raising fraud case of Lide Fortune Company, Zheng Mosen, the actual controller of the company, was also the vice president of Guangzhou Internet Finance Association and the executive vice president of Jieyang Chamber of Commerce. After Zheng Mosen was arrested, he confessed that he had never read many books at all. These positions were bought with money, and the payment fee was more than 1, yuan a year. The purpose was to package himself, give the company a platform and attract investors to invest.
monitoring and countermeasures: online financial risk early warning system, multi-dimensional accurate monitoring of high-risk enterprises
loan financing, private equity, virtual currency, consumer rebates, etc. are the hardest hit areas where people are easily deceived. Criminals use "high return and low risk" as bait to openly implement online financial fraud through internet websites, mobile phone apps and other channels.
In order to solve the problem of financial risk prevention and control, shenzhen public started to set up a financial risk prevention and control attack team in March 218. On the basis of in-depth analysis of the personnel characteristics, behavior characteristics and network characteristics of various online financial fraud cases in recent years, relying on the existing big data platform and the information achievements of relevant administrative departments, the "Shenzhen Financial Risk Prevention and Control Actual Warning System", referred to as "Shenrong System", was developed and launched on May 15, 218.
"As of November this year, the total number of registered enterprises in Shenzhen is 3.24 million, including 431 P2P enterprises registered in Shenzhen. Shenrong System can monitor the financial risks of these enterprises, set 26 indicators in 8 dimensions, such as enterprise background and illegal behavior, and form a score that is finally quantified as a risk index, resulting in red, orange and Huang San warnings, in which red represents a higher risk level. Each dimension will list the main risk points and radar situation map, such as the company's equity, the capital transaction of the enterprise account, the amount of funds to be repaid, the amount of funds to be received, the funding gap, and the actual business address of the company does not match the registered address. "
Southern Reporter learned from shenzhen public that relying on the huge amount of big data currently available in Shenrong System, it can realize real-time early warning, real-time prevention and control, and accurate control of corporate financial risks, especially high-risk enterprises. Risk information will pop up risk tips to users through websites and App applications, and online countermeasures will be carried out to remind people to identify risks and resist the temptation of criminals. According to the statistics of the system, as of November this year, the national users clicked on the website of Shenzhen Risk Platform for 21.77 million times, involving more than 6.24 million users.
public security organs' determination in handling cases: do their utmost to recover losses and unblock reporting channels
it is difficult to recover losses from stakeholder-related economic crimes such as P2P online lending platform. The platform involved in the case is often the most emotional and high-risk stage for investors at the beginning of the "thunderbolt". Guangdong public security organs focus on information disclosure and unblock multiple reporting channels to ensure that people can reflect their demands properly.
"For key cases, the public security organs regularly hold briefing sessions, focusing on the issues that investors are most concerned about, and immediately push and publish briefing sessions on WeChat WeChat official account to announce the progress of case investigation." The person in charge of relevant departments of shenzhen public Nanshan Branch told Southern Reporter.
According to reports, as of November this year, 14 briefing sessions have been held on the case of "Only Investment House", and 51 briefing sessions have been published on "Shenzhen Nanshan Public Security" WeChat WeChat official account, and the progress of the case has also been pushed in time on the investor WeChat group.
At the same time, in order to ensure the smooth reporting channels and demands of the masses, Nanshan Branch opened the official WeChat WeChat official account registration reporting port to receive the materials submitted by investors for online registration reporting, and the masses can also visit the police station or post them.