@, Protect the money bag, protect the happy home, stay away from illegal fund -raising

Do you know what illegal fundraising is?

Do you know the routine of illegal fund -raising?

How can we keep yourself and people around you from raising illegal funding?

What is illegal fund -raising

According to the "Regulations on Prevention and Disposal", illegal fund -raising refers to a promise to repay the funding for interest rates or gives other investment returns without permission or violation of national financial management regulations in accordance with the law or violates the regulations of the State Council. Behavior.

Illegal fundraising needs to have three elements at the same time:

Illegality: "Without the financial management department of the State Council in accordance with the law or violated the state financial management regulations," the financial management department of the State Council is "one line, two sessions, one game" ("one line" is the People's Bank of China, and the "two sessions" are the China Banking Regulatory Commission and China Securities Regulatory Supervisor. Yes, the "one game" is the foreign exchange administration). According to the current laws and regulations, any acts that absorb funds to unspecified objects (such as absorbing deposits, public issuance of securities, public fundraising funds, sales insurance, etc.) must be permitted by the financial management department of the State Council according to law.

Raiders: illegal fundraising generally promises to pay interest. The wealth management products of regular financial institutions are not promised to protect the capital.

Socialist: "absorb funds to unspecified objects." "Unsteading objects", which is the public. According to the "Judicial Interpretation" of the High Court, those who have not publicized publicly to the society, and those who absorb funds in specific objects within their relatives or units are not illegal fundraising.

Four common methods

Frequent five major frauds

Typical "Fourth Mission"

Painted cakes: illegal funders will weave one or more "tall" projects as much as possible. With the guise of "new technology", "new revolution", "new policy", "blockchain", "virtual currency", etc., they depict a blueprint with a large expected remuneration, "hang" the appetite of the fundraising participants, so that it will produce " Do not miss the illusion of "the machine must not lose". Illegal funders generally draw the "cake" and attract attention.

Cake

Creation: Use all resources to grew the momentum. Illegal fundraising usually organizes various momentum activities, such as press conferences, product promotion, on -site observation meeting, experience day activities, knowledge lectures, etc.; Organize collective tourism, inspection, etc., give gifts to small gifts such as rice noodles and calls; Various or false "technical certifications", "award -winning certificate" and "government approval"; publishing leaders to inspect film and television materials, the company's leaders and government officials and celebrit The large and high specifications are extremely deceived.

Gold: Think about the money in your pocket. The illegal fundraising people have first tasted the "sweetness" for participants through the return and dividends, so that they believed that putting money in him not only had considerable income, but also safer than putting it in their pockets. Out of the case, the relatives and friends were mobilized to join, and the funding amount was getting bigger.

Run the way after attracting gold

Running: illegal fundraising people often run after "sucking gold" for a period of time, or people go to the building because they were originally "Ponzi scams", or the capital chain was broken due to poor management. The fundraising participants suffered heavy economic losses, and even lost their blood.

How to prevent it?

"Four Watch Waiting for One Night" method

Fourth look: look at the legitimacy of financing, in addition to whether to obtain a business license, but also depends on whether it has obtained relevant financial licenses or approved by the financial management department. Second, see the content of the propaganda, see if the promotion contains or hints that "there is guarantee, no risk, high yields, and stable earnings" and other content. Three look at the business model, whether there are physical projects, the authenticity of the project, the direction of funds, and the way to obtain profits. Fourth, whether to participate in the fundraising subject is whether it is mainly for the elderly and other specific groups.

Thinking about whether you really understand the product and the market. Whether the two thought products are in line with market laws. Whether the economic strength of twice has the ability to resist risks.

Waiting for one night: When you encounter relevant investment and fund -raising categories, you must avoid your brain fever. First ask your family and friends to delay one night before deciding. Don't blindly believe in promotional propaganda, acquaintance introduction, expert recommendation, don't be blindly invested by Gaoli temptation.

Keep in mind "three, three don't want"

Don't be lucky to be rational

There will be no pie in the sky, either "trap" or "trap" that falls off. We must adhere to the rational bottom line and think about whether you understand or not. It is not much bigger than risks. Look at the level of income unrealistic. Ask your family and friends what you think, don't be blinded by gambling mentality and luck! Be stable and not adventurous

High income means high risk, and it may be the investment bureau. It is necessary to reasonably evaluate your own ability, carefully determine the risk to bear your willingness, and do not invest in!

Be wary and not blind

"Great income, seductive conditions, rare opportunities, and limited places" are likely to be flickering. We must be vigilant, vigilant, and repeated! Keep your heart, never listen to the wind, it is rain, and blindly invest in "flowing"!

Kind tips

The first is not to easily believe in the so -called high -interest "insurance" and high -interest "financial management". High income means high risk;

The second is not to be moved by small gifts, no bait such as "return first", and remember that there will be no pie in the sky.

The third is to purchase financial products through regular channels. Do not sign an investment and financial management agreement with the bank or insurance practitioners, and do not receive any receipt and owe entries issued by the employees.

The fourth is to pay attention to protecting personal information, pay attention to the prompt of illegal fund -raising risks issued by government departments, and report complaints in a timely manner when they encounter suspected illegal fund -raising behavior.

Strictly crack down on the evil forces such as illegal Gaoli lending, "underground money house", and violent debt collection.

Provincial Office Non -Acts Complaint Email: [email protected]

Municipal Financial Bureau Complaint Email: [email protected]

Source: Foshan Finance

Edit: Foshan News Network Zheng Xiaoqi

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