Peer-to-peer false packaging set traps, high returns confuse the human eye to distinguish need to be careful

Hit's Peer-to-peer (Peer to Peer) net loan not only because of the low threshold, high income out of the name, "Run" also raised the industry's "visibility", and the reason for the escape, in addition to some of the platform's mismanagement, a large number of platforms are malicious fraud platform.

"True or False, False false true, true and false difficult points", Peer-to-peer Network loan platform Prairie type of spread has caused the favor of all the industry, but also attracted the "fraud group" attention. Buy a "skin" on the online mall, a desk, a telephone, a peer-to-peer platform to build up, through PS pictures, false target, high income attract a vote investor investment, just a few days roll money away, when investors back to God, the company's address false, site pictures, where the money went to do not know, The customer service call has long been unanswered. How did these platforms fool investors ' eyes?

False Packaging Trap

Almost every peer-to-peer industry practitioner knows that they will become the core of the "3 15" fight against the Storm, the past a period of time "run", the most sad reminders of the platform disappeared.

Many people also clearly remember, last June 4, peer-to-peer Industry "run the Wind" to Beijing, the net Jinbaocheng for Beijing's first to run the Peer-to-peer platform. Now the Net Jinbao Web site has no place to find, the rest is only running reports and cheated investors helpless complaints. "Net Jinbao" screenshot screen has been shown, the cumulative turnover of more than 260 million yuan.

"Net Jinbao fake very bold", an employee bluntly. The platform says it is working with the central bank, which reads "A model of central bank regulation, the first pilot unit for Internet investment, capital security, industry first, bank peers". At the same time, all investment users will be funded by the Beijing branch of the People's Bank of China, the Central bank Beijing branch is the regulator, not the capital regulator.

More serious is that its affiliated companies, cooperative security companies have indicated that there is no partnership with the net Jinbao, all documents are forged. Not only is the net Jinbao, Wang-Wang loan, Branch Xun loan, Cho Zhong loan This kind of already disappeared without trace of the platform is the master of false counterfeiting.

A lot of scam platforms are on the run all of a sudden, last August, Shenzhen online 3 months of Peer-to-peer platform of the wealth of the site can not open, after the site has been a high rate of return on the loan project to attract investors to join, in its loan project midlife yield of up to 24%. Investors have begun to question and visit the offices they disclose, but there is no sign of the platform.

Then, the Peer-to-peer platform of the escape showed a dense, rapid and other characteristics, and create a number of "first": The morning on-line, the afternoon to flee the Heng Jin loan;

And in recent years, Shenzhen, the older Peer-to-peer platform in the online also stopped operating. Beijing Commercial News reporter noted that its announcement last updated December 21, although the platform claiming to be difficult, the main responsible person has also been arrested, but today investors have not recovered funds, and many investors began to realize that the platform many projects are false.

In addition to the fraud platform, some seemingly serious business of Peer-to-peer platform also in the fake. Now, in order to attract more investors, many platform pages in a prominent place marked "Third-party funds to protect the security of investors," but in the entire Web page turned over to find who the trustee is.

A high rate of deception, enough to leave.

With the new platform on the line, capital, giants into the network loan industry, due to the gap in the industry supervision, the problem platform has been emerging. According to the data provided by the net loan house, it is 3.6 times times in 2013 that the number of problems in 2014 is 275. Similar to the 2013 problem platform, last year's problem platform was still largely a scam and a runaway platform.

Some insiders concluded that, from the closed Peer-to-peer site, the first of the most highly publicized high returns, such as the first closed platform in 2015, "inside and out" the annual interest rate of multiple investment is close to or over 40%; Use new investors ' money to pay interest and short-term returns to old investors. Some even set up the server overseas, after the wealth to close the site to flee, even if the police file is difficult to trace, the second is the platform owner of the risk of self-fusion or lack of control, resulting in "bad standard", "Difference standard" on the platform.

Beijing Commercial newspaper reporters to some of the already exposed fraud platform comb found that many investors are fooled on the one hand is high interest, the platform through the old "Ponzi scheme" continue to absorb funds, the last run; Many of the investors who have been cheated said they would sometimes see the platform's propaganda and windows on the Internet, while Beijing's net Jinbao held an investor meeting a week before the getaway, giving investors more confidence and more new investors.

Jinxin Network chief operating officer Andan side also said that, throughout the Peer-to-peer market, the platform to run the main reason is two, one is the platform itself is a liar platform, these platforms fictitious all kinds of qualifications, to a very high rate of return as bait, probably accounted for half of the problem platform. Second, the platform mismanagement run, platform mismanagement is mainly illegal operation, wind control did not do well, such as the establishment of the pool of funds, their own participation in financing, eventually leading to a broken capital chain, unable to repay the funds borrowed, or the project audit is not strict, the wind control capacity is poor, operating in a high rate of bad debts and overdue.

In particular, it is worth mentioning that the same boss to establish a number of related platforms labeled "high-risk", "self-rong" label, the phenomenon of self-integration can not be underestimated.

The so-called self-financing platform, mainly refers to Peer-to-peer platform funds did not flow to the real borrower, but the platform itself or shareholders to borrow for their own use, for the platform, shareholders of their own enterprises or debt repayment. According to the net loan home data show, the current problem platform of about 1/4 suspected of self-integration, not only has a great moral hazard, and may be suspected of illegal fund-raising, fraud and other criminal acts.