In recent years, illegal fund-raising cases occur frequently. Criminals choose relatives, friends and colleagues to borrow money or finance, and finally escape with money, taking projects that can obtain high returns such as investment and business partnership as bait. In this regard, the police inventory common illegal fund-raising routines, remind the masses to raise vigilance, in order to avoid being deceived.
Case: nearly 100 people have been cheated to invest in 'old-age beds'
Deception: six typical means to be vigilant
Through sorting out many cases investigated in recent years, the public security organs summed up six typical means of illegal fund-raising at present:
1. Fake the name of private banks, borrow the government's policy of supporting private capital to initiate the establishment of financial institutions, falsely claim that they have obtained or are applying for the license of private banks, and make up the name of private banks to sell original shares or absorb deposits.
2. Non financing guarantee enterprises raise funds illegally in the name of carrying out guarantee business, mainly in two aspects: first, selling false financial products; second, fictitious borrowers, illegally absorbing funds in the name of providing loan guarantee.
3. Under the banner of overseas investment and high-tech development, fake or fictitious international well-known companies set up websites, publish and sell overseas funds, original shares, overseas listing, development of high-tech and other information on the Internet, fictitious equity listing value-added prospects or promise high expected returns, lure the masses to remit funds to the designated personal accounts, and then close the website to escape with funds.
4. Under the banner of "providing for the aged", it can be shown as follows: first, in the name of investing in apartments for the aged and joint care in different places, it can lure the elderly to "join in the investment" with high return and providing services for the aged as bait; second, it can lure the elderly to invest in the capital by holding so-called health care lectures, free physical examination, free tourism and small gifts.
5. Illegal fund-raising in the name of high price repurchase of collectibles. With the so-called collection of worthless or low-priced commemorative coins, commemorative banknotes, stamps and other so-called collectibles as tools, it claims that there is a huge appreciation space, promises to buy back at a high price at the agreed time, lures the masses to buy, and then absconds with the money.
6. Illegal fund raising in the name of P2P. That is to say, we should apply the concept of Internet financial innovation, set up the so-called P2P network lending platform, take high interest as bait, adopt the means of fictitious borrower and fund use, release false bidding information and other means to absorb public funds, and suddenly close the website or abscond with money.
Prevention: identify illegal fund-raising, think twice, don't think twice
The police reminded the general public to consciously resist all kinds of temptations, improve their recognition ability, do "three look", "three think" and "three don't", keep away from illegal fund-raising, prevent investment risks and avoid fund-raising traps.
"Three aspects": first, whether it has obtained the business license for Industry and commerce; second, whether it has obtained the approval document from the financial supervision department (one bank, three meetings, government financial office); whether the financial products are within the approved business scope, only the business license for Industry and Commerce, without the approval document from the financial supervision department, it is impossible to sell the financial products; third, whether the investment field of funds is safe and reliable.
"Think twice": first, whether we really understand the product and market situation; second, whether the financial products conform to the market management rules; third, whether our economic strength has the ability to resist risks.
"Three don't": first, don't blindly believe in the promise of risk-free and high return, which are often illegal false advertisements; second, don't blindly believe in the introduction of acquaintances and experts' recommendation, they may also be the victims of illegal fund-raising; third, don't be tempted by high interest to invest blindly, the source of high interest is likely to be the principal provided by investors themselves, without sustainability.