Internet Lending Is Heavily Occupied By High Income And Multiple Attractions.

When someone asks you for money, you may refuse.

But when someone is tempting you to invest with super high income, some people will be tempted to fall into the trap of illegal fund-raising.

What you want is the interest of other people. What they want is your principal.

Investors are frequently caught up in such incidents.

In addition to the blind pursuit of high returns by investors, these financial companies are often very confusing and tempting in every way.

Therefore, you have to prevent, some of the centralized prevention of illegal fund-raising is also essential.

Recently, in the "Internet Finance + anti illegal fund-raising Summit Forum", Professor Yan Haifeng of Nanjing University of Finances and Economics reminded investors that many Fortune Management Inc were carrying out illegal fund-raising in their P2P coats. Before investing, we might as well make three judgements: first, to see whether there is an asset end, whether the borrower is a solid industrial project; two, to find out what the borrowed money is for; and the three is to judge whether it is a Ponzi scheme.

In addition, super high yield is the most powerful temptation.

Investors must make it clear that obviously high investment returns are likely to be investment traps.

China stipulates that the rate of return exceeding 4 times the loan interest rate stipulated by the state is not protected by law, which can be used as a reference value for judging whether the returns are too high.

Lu Minfeng, Secretary General of Jiangsu Internet Finance Association, suggested that Internet means should be used to crack down on illegal fund-raising, through Fortune Management Inc and other Internet Financial technologies such as big data.

Carry out strict network supervision.

In recent years, the phenomenon of illegal fund-raising has been repeatedly banned, and there are signs of growing strength.

Especially after the popularization of the concept of P2P net loan, some financial companies with ulterior motives began to fight the Internet and cheat investors' funds through "invisible hands".

According to statistics, in 2014, 1267 new investment and financial management cases nationwide increased by 616% over the same period, involving 54 billion 793 million yuan, up 451% from the same period last year.

In 2014, the number of P2P network lending platforms suspected of illegal fund-raising, the number of cases involved, and the number of people involved in fund-raising were 11 times, 16 times and 39 times of 2013, respectively.

As far as Beijing is concerned, as of April 2015, there were 20 P2P net loan platforms in Beijing, including business difficulties, fraud and running.

At present, Beijing has filed a total of four P2P illegal fund-raising cases, including Winton, net Jinbao, rongxinbao and inside and outside loans. The total amount involved is about 1 billion 700 million yuan, involving 4230 investors.

According to the reporter's attention to the Winton incident in Central Europe.

At the end of February 2014, Winton, the general manager of China Europe Fund Management Co. Ltd., "suddenly lost", and many customers came to China's Winton office to ask for a claim. More than 2000 of them were cheated and 4 hundred million were owed.

Media reports said that Winton of China and Europe had three fake: false office location, false corporate representative, false fund company.

According to a reporter's visit, six months later, there are still

Plugging in the elevator of Hainan industrial building, where Winton's office is located, tries to protect rights, many of which are old investors, old men and women.

According to the insiders, it is usually illegal to raise funds in the name of P2P, apply the innovative concept of Internet finance, set up the so-called P2P network lending platform, take high interest as bait, take fictitious borrowers and funds, publish false bidding information and other means to absorb public funds, then suddenly close the website or abscond with money.

Investors see illegal fund-raising companies are usually "normal" - open in the high-grade commercial office building, with the legal status of business registration, name and business closely related to finance, promise no risk, high returns......

Some investors told reporters, "looking at a good company will feel that it should be OK first."

Little wonder, investors are more likely to be tempted by the high returns promised by such companies, while fabricating the myth of "sky pie" and "overnight becoming rich", so that investors believe that as long as they are carried out through the company.

You can be such a lucky dog.

According to a press survey, in order to attract more people, the so-called Fortune Management Inc often promised investors to give high returns in the form of rewards, points and rebates.

In order to defraud more people from raising funds, the illegal fundraisers began to fulfill the principal and interest of the early investors in time and in full. Then they took advantage of the money from the fundraisers to cash the previous principal and interest. After reaching a certain scale, the constipation pferred funds closely and absconded with the money.

Some investors, under the guidance of eagerly seeking wealth and blindly following the crowd, lack rationality and believe in the high return of criminals. They fantasized about "getting rich overnight" and haste and even blindly leans everything.

Others deceive others after being deceived, hoping to make up for their losses by deceiving people, and the result is deeper and deeper.

Until such Fortune Management Inc run or disappear, investors will be too late to realise the risks.

In addition, such Fortune Management Inc attract public deposits in the name of breeding ants, sika deer, poultry reclaim, or in the name of developing high-tech products. Some fabricate forbidding projects such as planting trees, raising funds and building houses to cheat the masses into "investing in stocks". Some of them promise high fixed income to attract investors by way of shops rent back.

At the same time, other companies use the new terms such as electronic gold, investment funds, Internet speculation and so on to confuse the masses. They are called new investment tools or financial products. Others use the new way of operation such as monopoly, agency, franchise chain, consumption value-added rebate, e-commerce and so on to deceive the masses.