How To Prevent Investment Fraud?

At present, there are two kinds of frauds in the domestic financing market. One is the financing scam based on international capital. The main financing methods include joint venture, cooperation, cross bridge, and other financing frauds with domestic capital as the main background. It mainly includes bank guarantee, direct deposit certificate, mortgage loan, and commercial acceptance bill.

The design of financing fraud under the background of international capital is often very ingenious.

It is mainly the collusion between Chinese and overseas Chinese at home and abroad, sometimes mixed with some foreigners, to act as a facade, increase credibility, register a reputable company in foreign countries, set up representative offices in China or directly invest in trade groups, even show you the credentials of foreign banks, and set up several qualifications for foreign backgrounds that you are hard to verify. Putting office addresses in high-grade offices of financial or international companies is just like a strong investment company, and you can't verify their credentials at the state administration organ, the trade and Industry Bureau or the Commerce Bureau.

They imitate the international common investment procedures, and cheat the financing according to domestic legal ways, such as cooperation and joint ventures, making it very difficult for you to distinguish their authenticity.

The fox is cunning and has its tail.

Attention should be paid to the following aspects: 1. Swindlers Company, although they are in high-grade office buildings, but generally only one or two rooms, office facilities in general, or even simple; 2. company staff overall quality is not high, and even the way of contact with you is very mysterious; 4. your project is good or bad, whether it has financing conditions, it is easy to set up a project, and soon express willingness to invest in you, and quickly request to inspect your project; 5. is written by its designated company for the project side, "business plan" and assets appraisal designated company is generally established by Swindlers Company or signed a cooperative company which is divided into agreements, this is the true difference between the true and false investment company. Entrepreneurs are dealing with investors.

Swindlers Company is to earn money from the project side by this way; 6. allows the project side to finish the business plan and asset appraisal, that is, after making money, excuse the experts to prove it, then let it go, or tell you directly what the project is, what can not be invested, or you have to reach the conditions that you can't reach, and then invest, etc.; every link of 7., the business letter or even the intent agreement sent to the project owner is not standardized.

The company's English introductory materials are poorly written.

Regular investment companies will not designate specialized companies to write business plans for entrepreneurs, but require entrepreneurs to provide business plans. If they are not written clearly, they may ask entrepreneurs to provide supplementary materials or do due diligence in person.

If an investment company really wants to invest in the project, it is usually the investment company and the entrepreneur who jointly entrust the evaluation company to evaluate the cost sharing or the investment company.

The financing fraud under the background of domestic funds is characterized by the use of legal loopholes and the lack of financial expertise and the rush for financing in the form of legitimate financing. The fraudding party and the internal staff of banks, securities companies and other internal staff are jointly organized to achieve the purpose of fraudding the fees, margin and other names of the financing side, such as the financing mode of bank guarantee.

"Bank guarantee" is a credit guarantee issued by a bank to a bank, which is a relatively high credit guarantee in the financial sector.

It is: the financing side applies for loans to the local bank with its project, but the bank agrees to grant the loan, but asks the bank to improve the guarantee condition. The financing party has to look for the guarantor, such as the investor of a company in different places is very strong in the locality, and has a certain credit limit in its bank. After inspecting the company's financing project, it is willing to make the credit investment, then it signs the guarantee contract with the financing party in the form of bank guarantee, and the financing party must also complete the reverse mortgage procedure to the investor. The investor, with his credit as a guarantee, proposes to his bank to apply for the bank guarantee letter for the financing party. If the approval is made, the loan side of the financing party will come back to loan after checking the letter of guarantee. General procedures for financing by using bank guarantee

It is required that the financing party pay a certain amount of cash as a public relation fee, not a receipt, nor in the contract. The 3. and the internal staff of the bank are colluded with the general manager, and the illegal letter means that the letter of guarantee is complete, and the letter of guarantee is illegal. It means that the bank has not been approved by the bank and the higher authorities. After examining the financing side, the 4. investor will come up with a simple and unyielding and no modification agreement or contract with the financing party. The agreement stipulates that after the bank guarantee is issued and approved by the project bank, the project party must pay all the handling charges at once. It also requires that the project bank must lend money within two weeks of a week, and if it can not lend, it will not take any responsibility. The trap of this kind of financing is mainly: 1. investors have no guarantee conditions at all, but promise that they will be able to issue guarantee; 2.

"Bank guarantee" is a legal and highly reliable way of financing. If we can raise funds in this way, we should try our best to win.

1. verify the credit limit of the investor by the provincial first level branch; 2., verify the power of the investor's Bank to issue the guarantee letter to the provincial first level branch; whether the 3. party should seriously handle the counter mortgage procedure; if it is not serious or not, it must be false; 4., any charges should be stipulated in the contract, the contract can not be paid, any payment should have regular receipts; after the 5. letter of guarantee is issued, it should be verified by the Credit Department of the bank. In the process of financing, the following measures can be taken to prevent traps.

The trap of large and small certificates of deposit and negotiable securities mortgage is mainly the bad time, that is, the effective time of the investor giving the financing party, the approval procedures of the higher authorities of the bank can not be completed at all, so that the investors will eat up the deposit of the early delivery of the financing party openly, and withdraw the funds.

It is recommended that the financing side should not adopt the two financing methods mentioned above.

A bank or commercial acceptance bill refers to a short-term financing payment method provided by banks on the basis of credit in the field of trade circulation.

The requirements for this way are relatively harsh, and financing for projects in this way can not meet the requirements. Unless all the information is falsification, the risk is too great.

It is suggested that entrepreneurs should not consider financing in this way.