Why Do Private Financial Loans Focus On Uncle

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Xiaobian network to introduce to you is the private financial loans to run busy, dedicated to uncle aunt.

The Sichuan fortune alliance company, which has been knocked out, involves more than 800 customers, tens of thousands, tens of millions, millions, half of 5-20, and 60-90 years of age.

The financial centre was established in October 8, 2013. On the same day, there were 88 tables of luxury cars, businesses, customers and so on. I did not expect to declare liquidation assets in September 30, 2014. After less than a year, where did the money go?

Internet finance is in full swing. Many startups have emerged overnight, including Jingdong, Alibaba, Baidu, Tencent and other giants. The giants' credit and anti risk capabilities do not need to be said. Giants rely on their user resources and industry chain to do Internet financial management for Internet users (mainly young people), which are subverting the financial market.

While Internet finance is hot, you may not know the horrible things of private financial lending under the line. Tonight, we watched the news of micro-blog's finance and economics burst out. "The biggest investment company in Sichuan suddenly went bankrupt, and the 2 billion 400 million people evaporated". It was a real chill in my heart. I read the relevant material and reports, and I didn't think much of it. Think about it. You may think about this kind of financial loan company.

According to the revelations, 1, the fortune alliance involves more than 800 clients; 2, shareholders are as high as 66, and registered funds are 1 billion 250 million; 3, NetEase has reported that Sichuan's financing guarantee industry has continuously collapsed and billions of private funds have failed to collect debts. 4, the amount of private lending that is currently in question is nearly ten billion yuan (without textual research).

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Why did folk finance which seemed so good at first suddenly become so terrible? Let me talk about my views on this matter:

1. Target population: elderly people over 60 years old

Recently, I met a few friends who said that they were going to do financial management. I began to worry about someone selling their financial products to me. I didn't expect that the target group was not like me. It was a big old aunt who was over 60 years old.

Some of the guys coaxed their mothers to invite them to dinner. The information was seriously asymmetric. Many of them didn't care much about these things after retirement. They were beaten by the young men, the girls, and the selling skills of rendering.

Besides, there are lots of spare money, but there are no investment channels or big things to do.

The Sichuan fortune alliance company, which has been knocked out, involves more than 800 customers, tens of thousands, tens of millions, millions, half of 5-20, and 60-90 years of age.

The financial centre was established in October 8, 2013. On the same day, there were 88 tables of luxury cars, businesses, customers and so on. I did not expect to declare liquidation assets in September 30, 2014. After less than a year, where did the money go?

This is a big case. The Sichuan police have taken action.

But here is to remind netizens, you also remind your parents, must be prudent investment, at present, such a large number of financial lending companies, investment customers as the elderly group, often do not have the ability to verify their strength and credit, if such companies have serious accounting fraud and so on, the consequences may be very scary.

2, how did they flicker their aunt?

One is the salesperson going to the community to chat with the old people one by one and the elderly, and the time is ripe. The old people are letting off their guard. They recommend the financial products recommended by the salesmen as friends, and many old people speak fewer people on weekdays. This time they believe the young men. But they may not know that most of the salesmen do not work long hours, the basic wages are low, they do not know the investment in finance, they are just selling their lives desperately for the sake of making money, and with the function of KPI, many salesmen regard cheating as their skill.

They are fooling their grandmothers, and there is another trick to give sweet dates and opening meetings. They often send gifts to the old people from time to time. This guy is fierce. Many elderly people don't have many relatives in town. They send and send them. The trust and goodwill of the elderly to financial management companies have risen sharply. They are following the meeting. They will hold a conference, rent a hotel meeting hall with scenes, put on a banquet, and eat and fickle.

This group of flickering is easy to let people's defense psychology loose, this is similar to pyramid selling organizations to use the brainwashing way. Uncle, many of them are also ordinary workers and workers to retire, and have not seen any big scenes, so that they see so much cattle and huff and coax, they feel that they were taken seriously before, and feel that they have made a wise choice.

3, where did they get all the money?

I really don't know where to go. The police are investigating that if the Sichuan wealth alliance is a financial management company, there must be a large loan system and management mechanism to generate money. Otherwise, the promise of high interest to investors is impossible.

It is only this year that the assets are cleared up in less than a year. It is too fast and the capital management is not too strict. It is said that there are dozens of entrepreneurs behind the enterprise. The problem is even more serious. The money is normally credit, lend, repay, repay, or become a printing machine for some people. A huge fraud black hole is gradually opening.

Public Security Bureau in Chengdu Mian Jiang District letter box reply, said the economic investigation has been placed on file for investigation, and the suspects involved in detention, has received hundreds of investors reported.

NetEase financial reports that Sichuan's private lending circles are full of debt crisis information of loans or financial companies, and the government's Hengda legal person run away. The financial chain of Dingxin investment and financial management company is broken. Hundreds of companies are exposed to the crisis. Tens of thousands of private creditors are faced with a problem of suspension or no payment of principal, which may involve tens of billions of dollars.

Yang Zhigang, vice president of Huitong guarantee company, was blown out of business in July 9th and had already run away. Creditors rushed to his office and had no room to go to.

4, the credit mechanism of private financing and lending fails, the management is chaotic and the supervision is not enough. Money laundering is too crazy.

So many private financing, guarantee, lending companies, but the credit mechanism and management methods are not rigorous and scientific. According to NetEase financial report, Huitong guarantee is self insured and associated guarantee. Liu Yuying, vice president of running road, instructs employees to borrow money, makes false guarantees, and capital flows into his purse company. Such flagrant money laundering behavior may be very easy to operate.

How can these private lending and Guarantee Corporation supervise them? Once the black hole of the debt POND'S hoax is amplified, the consequences will be disastrous. Many investors will have more than half their money, and the credit mechanism has been completely submerged.

And like Sichuan wealth alliance financial management, it is said that there are 66 entrepreneurs' shareholders, plus the output objects of the lending network, the whole network involves a large number of enterprises, and these enterprises are always doing business. This is undoubtedly a salt bath for the depressed wounds of the real industry. How can the small and medium-sized enterprises and investors be uncovered?

The events of the Sichuan fortune alliance and the Huitong guarantee run events have exposed the risks of the local private lending, guarantee, financial management system and POND'S fraud in the past. P2P lending includes the P2P lending platform on the Internet, many of which are attached to the private financial networks under these lines. The Chinese are not Jews, there are many Chinese swindlers, and there are many people without bottom line. Investors need to be cautious.

Even if Internet P2P borrows money, investors can only see the surface data. Real capital flows may not be as complex as those displayed on the website. The credit links involved in borrowing and lending need to be complicate, and do not believe in luxuriant propaganda and slogans. They should seriously examine their investment behavior and platform credit guarantee mechanism.

Because there has been news of P2P lending websites running, although the Internet technology, but behind the capital management and flow after all, people operate, once the regulatory inability to enter, the risk of systemic collapse is great.

It is a very professional field. It is also a very demanding profession for professional ethics, industry rules and supervision level. In the high-end field of domestic field, it is controlled by some celestial people. In the private sector, rules and regulations are often out of control. Although the field is constantly improving, investors still have to choose a more reliable investment platform.

The other side of greed is high risk. The change of the environment is not two days a day. It is only to make oneself clear headed, especially to remind old friends at home.