Learn from the experience of cracking down on illegal fund-raising
By studying the lectures on how to crack down on illegal fund-raising organized by branches, we have a deeper understanding of what illegal fund-raising is, its main manifestations, its social harm and how to prevent illegal fund-raising in future work. The following are some experiences and thoughts from 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 fund-raising without approval authority; The department with the power of examination and approval ultra vires to examine and approve fund-raising, that is, the fund-raiser does not have the qualification of fund-raising subject and promises to repay the principal and interest to the investor within a certain period of time. The form of debt service is mainly currency, but there are 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 characteristics mainly include:
1, without the approval of relevant departments according to law, including fund-raising without the approval of departments with approval authority; The department with the power of examination and approval ultra vires to approve fund-raising, that is, the fund-raiser does not have the qualification of fund-raising subject.
2. Promise to repay the principal and interest to investors within a certain period of time. In addition to monetary forms, there are also physical forms and other forms of debt service.
3. Raise funds from unspecified social 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 pretend to be normal production and business activities by signing contracts with investors (victims) to maximize their ultimate goal of defrauding funds.
The main forms of illegal fund-raising:
The situation of illegal fund-raising is complicated and varied. Some are under the banner of supporting local economic development and advocating green and healthy consumption, and some cite new concepts such as property right leaseback, e-commerce, e-fund and investment fund. The means are hidden and deceptive. Judging from the current crime situation, illegal fund-raising can be roughly divided into four categories: creditor's rights, equity, commodity marketing and production and operation. There are mainly the following forms:
1. Illegal fund-raising in the name of planting, breeding, project development, manor development, eco-environmental 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 pawn.
3. Illegal fund-raising by claiming shares and participating in dividends.
4. Illegal fund-raising through membership cards, membership cards, seat cards, discount cards, consumer cards, etc.
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 "social organizations" or underground banks to raise funds illegally.
7. The use of modern electronic network technology to build "electronic stores", "electronic department stores" and other "virtual" products to invest in entrusted operations, repurchase due and other illegal fund-raising activities.
8. Divide real estate, real estate and other assets equally, and illegally raise funds by selling their share disposal rights.
9. Illegal fund-raising in the form of signing commodity distribution contracts.
10. Illegal fund-raising in the form of pyramid schemes or secret series.
1 1. illegal fund-raising through the internet and other forms.
12. Illegal fund-raising in the form of "electronic gold investment".
Second, the social harm 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 performance is as follows:
1. Illegal fund-raising caused economic losses to participants. After illegal fund-raising criminals gather funds by deception, they squander, waste, transfer or illegally possess them. It is difficult for participants to recover the funds, or even lose all their money in serious cases.
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 and defraud funds for the purpose of disrupting financial order, affecting the healthy development of financial markets and easily causing 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, which easily leads to a large number of social security problems and mass incidents and seriously affects 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 high-interest "bait" is not tempted. All kinds of illegal fund-raising activities have one thing in common, that is, they promise high returns. Whenever you encounter this kind of "pie falling from the sky", you must relax. You can't fall into the trap set by a liar just because you see others become greedy for money.
2, the boss "strength" does not worship. 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 the market and operation, the risk of "investment" is everywhere, which may make you lose your blood. 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 are approved, rather than simply believing in the "strength" of the boss.
3. The "official" background is not superstitious. In illegal fund-raising activities, the participation of government officials or the fabrication of official background in the name of officials are often more likely to confuse the masses. 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 mean "official", and the participation of officials does not mean formal financing activities.
4. "Legal" storage is not sloppy. The "legal" status of bank and postal workers is often convincing, and it is very likely to give some lawless people the opportunity to cheat in the name of deposits and wealth 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.
Yu was introduced and promoted by relatives, friends and acquaintances. On the one hand, it is easy to gain trust.
On the other hand, because it is inconvenient to refuse, this way is easier to penetrate among the people and has wider harm. So, how long does it take to face the goodwill and goodwill of acquaintances?
6, illegal storage does not participate. In the face of illegal fund-raising, we should not only believe in "right and wrong", but also be victims, not participants and not perpetrators. We should not only stay away from illegal fund-raising, but also consciously resist and actively report this illegal behavior that harms the country and the people with the conscience and responsibility of a citizen.
As a staff member in the financial industry, we should know, understand and abide by the law, stay away from illegal fund-raising and strive to improve the professional ethics. When people are found to be deceived, they should be reminded and warned in time to avoid unnecessary losses.