Be cautious when investing in risky money
The "many people" model is not a new topic on the Internet now. Apart from some topics about how to realize everyone's dreams with a little help, it is more about "illegal fund-raising and fraud".
of course, there are various forms. Some people open cafes and engage in online loans, that is, everyone pays high interest to lend to everyone, and the payers pay dividends according to the interest, and finally let people run away with money. In short, there is a lack of funds for playing funds and real estate speculation, which means that one person is short of funds and fools everyone to pay for things together.
but why is this model so popular on the internet? And it seems that the risk of the initiator is not great. Let me talk about a few things with personal experience. Let's analyze them!
first of all, who are the participants? Most people still want to make money. Many young children even save pocket money and join in for 2-3 thousand. If this thing can't bring in income, I don't think anyone will want to even invest less.
ok! Speaking of income, let's calculate an account. Take this coffee shop project as an example, about 165 shares cost 3, yuan each, totaling 495, yuan. Accounting for about .6 percent. Shareholders' investment is limited to at least one share and at most 1 shares, that is, between .6% and 6%. The maximum capacity of a 1-square-meter coffee shop is 6 people (which is already quite high), with an average of 1.6 square meters per person (not counting the non-business area). The average daily turnover rate is 1.5, and the average consumption of three meals is 35. The income at the end of the day is 6 (person) *3 (three meals) *1.5 (turnover rate) *35 (average consumption) =945*3% (net interest rate) =2835 yuan *3 (one month) =855 yuan. This figure is that you earn 85,5 yuan a month when three meals are full and there is no off-season, so it becomes your .6%=51 yuan. But let's think about it. Can a 1-square-meter coffee shop make a net profit of 85, yuan a month and 1 million yuan a year? If the initial investment of 495, yuan can be paid back in one year to one and a half years, it is ideal! Now coffee shops generally earn between 3 thousand and 5 thousand a year, so look at your income of 25 yuan a month! ! 246 yuan a year. . . Can't keep up with your cost. So friends who are short of money and want to make a fortune stop here. It's impossible!
some people may say that I am willing to pay a few hundred dollars a month, at least it is better than nothing. But don't forget, the example I just gave is calculated according to the registered capital of 495, yuan in the Industrial and Commercial Bank. Each shareholder's own account is invested in the Industrial and Commercial Bureau one by one, and then transferred to the company account by the Industrial and Commercial Bureau. If all 495, yuan is registered capital, I would like to ask whoever has the working capital to use the registered capital in the future, and there will be suspicion of capital withdrawal, and the company will be defined as a loss state.
if the registered capital is 3, yuan required by two or more partners in a food company, then the shares of each shareholder are 3, *.6%=18 yuan. You spent 3 yuan to buy shares in 18 yuan, and your shares increased by 17 times to catch up with your principal, so what else are you playing? Your 25 yuan has become 12.4 yuan because the registered capital has become 3 thousand. Are you still interested?
this is still normal business. what if it is fraud? Do you know why, as I said earlier, sponsors have little risk, but can they still run away with money? Because all investors have the same psychology as you think, forget it, I will pay 2-3 thousand yuan, it doesn't matter! Even if you don't care about him, 1 and 2 don't care about each other. The money together is quite large! So it doesn't matter, and no one takes the lead to find it. The cost of finding it is not afraid of trouble! On the other hand, why should we limit the upper limit of shares? If it is really fund-raising, wouldn't it be better to reach the budget as soon as possible? Just to prevent you from surpassing your "indifferent".
also, don't forget that you are a shareholder, and your company is a limited liability company. The company's funds are empty and it goes bankrupt. All shareholders have to bear the risks together. You will never get your money back, but they legally took it away. Do you understand? There are even more powerful promoters who have raised funds more than once. After operating for a period of time, they told all shareholders that the liquidity is insufficient, and each person has to add another 5. You say whether you add or not, if you don't add the company, you will go bankrupt, and everyone's money will not be collected. If you add it, you will be trapped again, and you will never get out!
There are so many shareholders, in fact, only a few people actually participate in the operation. If you don't participate in the operation, you can't audit the accounts, you can't be elegant, and you can't get a word in. Don't make trouble for yourself.
everyone works hard to make money, at least it is money. Don't use your own money to fulfill other people's dreams.
The following is the FAQ of "Cafe for Many People" started in Shenyang in October 212, from which we can see many problems:
What are the business philosophy and business model of Cafe for Many People?
A: Good system design+respect for democratic decision-making rules+mutual trust = a cafe for many people. We will protect the rights and interests of each shareholder by registering a limited liability company, and elect a board of directors and a board of supervisors to manage daily affairs.
what are many people like?
We have many people, and the people who have joined now come from all walks of life, including professional lawyers and bankers. Have a professional barista; Have a professional photographer; Founder of Shenyang Independent Film Alliance; There are working journalists; A chef with twenty years' experience; There are professional designers and so on, we have dreams; We have passion; We have the ability; We have more mutual trust and tolerance, and look forward to your becoming one of many people.
how far are many people's cafes going?
a: we are in the capital subscription stage, and all kinds of preparatory work are under way. See the preparatory sub-group for details.
how to join many people's cafes?
A: Shareholders must be citizens of China and have full capacity for civil conduct at least 18 years old. The shares of the Cafe are 3, yuan per share, and each shareholder has at least one share and at most ten shares. The way is: fill in an application form for subscription, apply for a postal savings passbook with stock funds, and give it to the finance team for small preservation, and keep the password yourself. When the principal collection is completed, the password will be handed in uniformly, and the person who has subscribed for the passbook will become a prospective shareholder and join the QQ group of shareholders. Has become a prospective shareholder to join the shareholder group, voluntarily apply for a job, choose to join the preparatory Committee, and have the right to vote on matters related to the cafe in the early stage.
how many people do you need to invest in the coffee shop?
At present, there are 45 people who have subscribed for the passbook, and the subscribed principal has reached one third of the budget. According to the budget, * * * needs to raise 165 shares, * * * 495, yuan.
has the coffee shop chosen its business address?
The location has not been determined yet. All prospective shareholders should pay attention to the store rental information around them and report to the group owner in time if there is a suitable location.
will the directors of the cafe be the major shareholders in the future?
The Cafe will always implement the democratic system, and major issues such as the election of directors in the future will be democratically elected by means of shareholder voting. Shareholders who invest less need not worry about their right to speak at all. The company will guarantee the interests of everyone to the maximum extent within the scope of the law.
does the cafe make money or not?
Cafe is the dream of many shareholders, which can fulfill many people's petty bourgeoisie dreams of literary plots. But as an enterprise and a store, we must abide by the industry rules, and we will try our best to make our coffee shop survive and make money. There is no contradiction between them. Because of many people's models, risks are diluted and profits are also very small. At the same time, there are risks in business, please understand.
Articles of Association
Articles of Association and various systems are being worked out. Your valuable opinions are welcome.
when will the presentation be held
if there are no special circumstances, a presentation will be held every weekend. please refer to the group announcement for the specific time.