Group buy can get a cheaper price, the net loan group can get higher interest income

[Buy things can get a cheaper price, the net loans can get higher interest income. However, buying a net loan may breed greater risk.

By a "leader" to introduce investors investment net loan platform, help the platform to attract funds, investors can get higher interest, and "head" will also get a good "introduction fee." This type of net loan investment model is called a group, but recently the group of investors to step on the Thunder, group is also considered a very unsafe way of investment.

According to the first financial daily survey, in the one months since October, the net loan group almost annihilated.

NET loan Group January annihilated

Originally those group of groups, has changed to look for the head of the rights group.

In order to be able to obtain higher profits, seven Lei Wang (net name) joined a group of investment groups-buns, want to get more platform news, but not soon after the group on the Thunder, and the Colonel steamed stuffed bun (real name Bao Weihua) also in the ray after no traces, now seven Lei Wang and the original net loan group members can only own rights, Hope to take back a little loss.

"At that time thought oneself is weak, joins the regiment to be able to know more about the platform situation, once had the question also may everyone together safeguard rights, therefore only then joined the delegation." Seven Raiwang told this newspaper reporter.

Group is more well-known investors, with a certain influence, some individual investors introduced to the network loan platform, net loan platform in addition to the members of the public interest, but also to investors additional benefits. And the head of the Commission, the net loan industry to organize investors into a group called "Head", involved in the investors called "League members."

The group model was only raised this year, and it met the needs of the platform for funding, while satisfying the need for investors to win higher returns and information sharing.

Before the group, the Colonel stated that he would visit the Network loan platform, select those safe platform, recommended to the league members. Most of the head of the group has been in the net credit circle has a certain degree of visibility, so many investors will be more trust to the colonel.

Generally speaking, the head will establish a QQ group, at the same time to register a dedicated web page software, and then in the third party to promote, to attract members to join; After that, the colonel to find the investment platform, will be the platform information by SMS or QQ form to inform members After the member bids, the information of his bid will be reported to the leader through the group web software, and the bidding is done by the individual, and after the group is completed, the Colonel will make the additional profit through the bank account to the league member's account. After the project expires, the members of the team are mentioned. Individuals to participate in the group, the starting point is mostly 10,000 yuan, the deadline is mostly 1 months.

"If a platform gives the actual gain is monthly 3.5%, through the group vote, can get monthly is 4% or even 5%." Seven Raiwang told the reporter.

Due to more revenue and more information, seven Raiwang think they found a very good way to invest, did not think after the Bun Regiment stepped on the first thunder-Lok net loans.

This year, the head of the bun to investors recommended Lok Net loans, group of about 200 investors a total of more than 20 million yuan investment. October 23, 2013, the Lok net loan to stop the present, plus including group investment and non-group investment, the current Lok net loan nearly 400 victims a total of more than 26 million yuan has not been repaid, including a group amount of more than 14 million yuan. Since then, the Lok Net loans responsible for the attempt to buy investors low prices. Now Lok Net loans empty, the company responsible for the phone no one answered.

Soon after the Lok net loan, steamed stuffed Bun Regiment stepped on bigger Thunder "Hui Huang Wealth", quilt cover fund more than 26 million, the head steamed stuffed bun then dissolved QQ Group, at the same time lost contact, "steamed stuffed bun itself is a primary school teacher of Zhengzhou, the group invests net loan is only his sideline, the group of steamed stuffed bun appears resourceful And once the risk of the bun is no longer found. Seven Raiwang told the reporter.

The Bun Regiment successively in the Lok Net loan, the Hui Huang Wealth and the insurance loan three platform to step on the Thunder, the member loss preliminary estimate surpasses 45 million yuan.

Bun Regiment is also the development of the earlier Network loan group, at the peak, there are more than 1900 members of the Bun Regiment. In addition to the Bun Regiment, there are Pudding Regiment, Sunshine Regiment, Orange Regiment, such as Net Loan Regiment, have stepped on the Thunder, they have in common is, in the Thunder after the Colonel have dissolved group, many head also disappeared.

Colonel Private profits huge

No profit does not wake up early. The investor participates in the group, the head spends the effort group, both and the platform can give the additional reward to relate.

The platform recommended by the head of the group is mostly super high interest platform, in general the annual income is more than 40%, and on the basis of high interest, there is a ladder for the regiment reward.

"For example, a platform, the monthly income is 3.5%, with the group investment can exceed 4%." The compound annual income is more than 60%. Seven Raiwang told the reporter.

The platform will set up a ladder reward according to the amount of the fund. According to the number of individual bids, the head to settle with investors. Each group has limited tender time, a short few hours, a long half month. For example, within 10 days, all funds invested by investors are counted as group investment, and then additional rewards are encouraged to encourage investors to invest more, in general, to invest more than 10,000 ~5 members, and to award 5 per thousand of total investment, 50,000 ~10 million reward 6 per thousand, 100,000 ~20 million reward 7 per thousand, The more money you invest, the more bonus you get.

The colonel is similar to the empty gloves white Wolf.

"The head of one months Group Three regiment, earn at least 300,000 yuan." Seven Raiwang told the reporter.

Because of this, once the head of the network to become a new career in the circle, some have some experience, daring investors began to make money by organizing the way.

Group buying poses greater risk

"Now think of it, the Colonel does not understand finance, do not know mortgage, do not understand accounting, followed his vote, the risk is really big." Seven Raiwang told the reporter.

In the previous collapse of the platform for every loan case, every household loan appeared on October 25 difficulties, and the head of the Sunshine Regiment is in the platform closed the day before (24th) is still recommending members investment.

And the colonel because of his personal professional degree is limited, it is difficult to play the role of identification and selection. At present, the number of network loan platform in more than 400, the head of the investigation is very difficult, plus most of the head are part-time, their investigation samples have how many, individual professional strength, whether there is time to investigate, these are risks.

"It's hard to say that it's like a public offering, whether a fund manager is doing their job or not. Seven Raiwang told the reporter.

For those without a group, the risk may be greater.

An investor told the reporter, he examines the network loan platform an important index is cannot have the group funds to enter. "Very simple, if a platform is to rely on a large number of group funds to prop up, once the funds exit, his funding gap will be very large." The investor told reporters.

It is precisely because many investors are very frightened of the group funds, some groups often hide themselves, into a "dark regiment."

"With the passage of time, the more platform, when there is insufficient funds, follow-up funds to keep up, or the colonel because of their own income inadvertently relaxed the inspection standards, and even a ' bad Colonel ', the risk may occur, to the time may be heavy losses." Xu Hongwei, head of net loan, told reporters, "The current group behavior can also be seen as a single or multiple platform services, the risk is relatively large." But it does not rule out future investment institutions that invest specifically for investors, a bit like private equity. ”

At present, many investors believe that the leader should be responsible for the investment losses in the group, the reporter called the Guangdong Union law firm lawyer Cao Jun.

Cao's lawyers told reporters in this case, if investors can prove:

1. The head of the initiative invited investors to invest;

2. In the process of solicitation of the use of fraud (such as exaggerated the fact that the platform how good, we can earn how much with the vote how many money, platform boss How to have the strength of their own site carefully inspected, and so on);

3. The use of technical means to the Group Investment Behavior optimization (such as the use of software statistics to participate in personnel, amount, time, etc.);

4. The head of the Commission received the platform to pay the intermediary costs.

Then you can assume that the head of the network loan platform is the agent (spokesperson) or collaborators, if the final platform appears due to the debt can not be repaid, then the Colonel should be the introduction of the investors of the capital debt Bear unlimited joint and several liability. In this case, if the investor decides to use the lawsuit way to settle the dispute, may the net loan platform and the head as the common defendant, between them should carry on the joint and several responsibility to the head of the whole fund debt which the leader introduces. Corbis Map