Investment fraud, illegal fundraising, etc
I believe everyone must have heard of it to some extent
Many people may think that
These are far away from oneself
But actually
It's really close to us
Especially in the Internet era
Maybe just clicked the mouse once
Your originally bulging 'money bag'
A criminal hidden in a corner
Slowly emptying
so
We all need to learn investment knowledge regularly
Identify investment risks
Strengthen self-protection awareness!
What are the legal financial investment and wealth management products?
Asset management business belongs to the scope of financial business and must be licensed for operation, and must be included in financial supervision. If residents have financial needs, they should choose asset management products issued by licensed financial institutions such as banks, trusts, securities, funds, futures, insurance asset management institutions, and financial asset investment companies. Without the permission of the financial supervision and management department, no non-financial institution or individual may act as an agent to sell asset management products. If you discover such a 'wealth management product', please report it immediately!
What is illegal fundraising?
Illegal fundraising refers to the act of a unit or individual raising funds from the public through the issuance of stocks, bonds, lottery tickets, investment fund securities, or other debt certificates without the approval of relevant departments in accordance with legal procedures, and promising to repay principal and interest or provide returns to investors in monetary, physical, or other forms within a certain period of time.
Forms of illegal fundraising?
Illegally raising funds under the guise of planting, breeding, project development, estate development, ecological and environmental protection investment, etc.
Illegally raising funds through the issuance or disguised issuance of rights certificates such as stocks, bonds, lottery tickets, investment funds, or under the guise of futures trading or pawn.
Illegal fundraising through claiming shares and participating in dividends.
Illegal fundraising through membership cards, membership cards, seat cards, discount cards, consumption cards, and other means.
Engaging in illegal fundraising through methods such as selling and leaseback of goods, repurchase and transfer, membership development, merchant alliances, and the "quick points method".
Using modern electronic network technology to construct "virtual" products, such as "electronic shops", "electronic department stores", investment entrustment and operation, maturity repurchase, and other illegal fundraising methods.
Divide assets such as property and real estate equally and illegally raise funds by selling their disposal rights.
● Use the Internet to set up investment funds for illegal fund-raising.
Using the form of "electronic gold investment" for illegal fundraising.
01 Promise high returns
Criminals fabricate myths of "pie falling from the sky" and "overnight becoming wealthy", promising investors high returns.
In order to deceive more people into participating in fundraising, illegal fundraisers often fulfill their promised principal and interest on time and in full during the initial stage of fundraising. After the fundraising reaches a certain scale, they secretly transfer funds or abscond with the funds, causing economic losses to the fundraising participants.
02 Fabricating false projects
Most illegal individuals create various false projects by registering legitimate companies or enterprises, under the guise of responding to national industrial policies and conducting entrepreneurship and innovation. Some even organize free tours, inspections, etc., to deceive the public's trust.
03 Creating hype through false advertising
Criminals often spend a lot of money on propaganda, hiring celebrity endorsements, celebrity platforms, advertising on major radio, television, and online media, publishing interview articles in famous newspapers, hiring people to widely distribute flyers, and making social donations to create false publicity.
04 Using family ties to deceive
Some participants in illegal pyramid schemes, in order to achieve or increase their own performance, are willing to use their family and geographical relationships to fabricate lies about obtaining high returns, and attract relatives, classmates, or neighbors to join, causing the participants to quickly spread and the fundraising scale to continuously expand.
Investment and financial management precautions
Do not easily believe in so-called high interest "insurance" and "financial management", as high returns mean high risks.
Do not be swayed by small gifts, do not accept bait such as "give back interest first", and remember that no pie will fall from the sky.
Purchase financial products through legitimate channels. Not signing investment and wealth management agreements with individual banking and insurance practitioners, and not accepting any receipts or IOUs issued by individual practitioners; During the process of purchasing insurance, it is necessary to try to achieve "three checks and two cooperations", that is, to check personnel, products, and documents through the insurance company's website, customer hotline, regulatory department, and industry association website, cooperate with transfer payment, and cooperate with follow-up visits.
Pay attention to protecting personal information, pay attention to the risk warnings of illegal fundraising issued by government departments, and promptly report and complain about suspected illegal fundraising behavior.
These 11 types of financial management to be careful of
1. Under the guise of investing in the elderly care industry, which can yield high returns, or booking beds and depositing membership fees, which can generate income for elderly care;
2. Under the guise of private equity investment or partnership enterprise, but without applying for business registration;
3. Under the guise of "watching advertisements, earning extra income", "consumer rebates", "charity", "mutual aid", "virtual currency", "blockchain", etc;
4. Under the guise of investing in overseas equity, options, foreign exchange, gold, futures, etc., especially encouraging the development of others and giving commissions, some hold "investment" promotion conferences in high-end hotels overseas such as Hong Kong, Macao, Taiwan, and Southeast Asian countries;
5. Clearly beyond the scope of business registered by the company, especially without the qualification to engage in financial business;
6. The company's website and server are located overseas or the company's senior executives are foreigners and conduct false publicity;
7. The company's website has not been officially registered, or frequently changes website names or investment projects;
8. Require payment of investment funds in cash or transfer to personal or overseas accounts;
9. Promising ultra-high returns, especially promising "static" and "dynamic" returns;
10. Offering gifts to attract elderly people through organizational inspections, tourism, lectures, and other means;
11. Set up stalls and points in crowded and gathering places such as streets, supermarkets, and shopping malls, and distribute advertisements for "financial products", especially targeting middle-aged and elderly people as the main target audience.
There are so many investment traps and tricks
How can we prevent it?
Next, let me teach you some super practical tips
The "Three Look, Three Think, Three Don't" Method for Avoiding Investment Traps
The so-called "Three Look, Three Think, Three Don't" method
What specifically does it refer to?
Hurry up and take a notebook to write it down!
01 Three Views
Check if the approval documents from financial regulatory authorities (such as the People's Bank of China, China Banking and Insurance Regulatory Commission, China Securities Regulatory Commission, etc.) have been obtained and verify their authenticity with the regulatory authorities;
Secondly, check whether the investment and wealth management products are within the approved business scope;
Check whether the investment in the field is genuine, safe, and reliable.
02 Think twice
Have you truly understood the product and market situation;
Does the investment return of Ersi comply with market operating rules;
Think twice about whether your own economic strength has the ability to resist risks.
03 Three Don'ts
Don't blindly believe in hype and propaganda, because they often raise the banner as tiger skin;
Do not blindly trust introductions from acquaintances or experts, as they may also be deceived;
Don't be tempted by high interest rates and blindly invest, because high interest money is your own capital.
Finally, I would like to remind everyone that
Be sure to tightly cover your money bag
Don't believe it easily
Phrases such as' low investment, high returns, and no risk '
Stay away from investment traps!
