20 17 12.27, the official Weibo of Nanjing Public Security Bureau announced that Zhang Xiaolei, the actual controller of Qian Bao Network, surrendered himself to Nanjing Public Security Bureau on February 26th, 20 17. In the surrender book, Zhang Xiaolei wrote the above passage.
However, it is such a short message that has aroused great concern of netizens. There is a simple reason. Zhang Xiaolei's surrender made participants worry that the money they invested in Qian Bao and their dream of getting rich would be wasted.
Zhang Xiaolei
49 years old, from Tianjin. 20 10 Up to now, Jiangsu Wang Qian Intelligent System Co., Ltd., Nanjing Qian Bao Information Media Co., Ltd. and other "Qian Bao Department" enterprises have been registered. 20 12 relies on the "Qian Bao net" of Wang Qian and Qian Bao companies, takes high income as bait, continuously absorbs new users' funds and pays the principal and income of old users, and illegally absorbs a large amount of funds from unspecified public by using a number of third-party payment platforms and online banking, with fund-raising participants all over the country.
It is essential to lure illegal fund-raising with high "returns"
"Pay the deposit, watch the advertisement, do the task and earn extra money", an attractive slogan, is the secret of the rapid rise of Qian Bao Net in just a few years. Qian Bao. Com promises to register as a participant, as long as you pay a certain deposit, you can get the task and complete the task within the prescribed time limit, and you can get rich returns. The so-called task is to click to watch the advertisement.
Different tasks need to pay different amounts of "margin". The more "margin", the higher the income. Mr. Zhang from Nanjing is one of the participants. At the end of last year, he invested 1.2 million yuan. In his view, this task is very simple. Men and women, old and young, as long as they can understand and operate, they can complete it smoothly.
Compared with the simple task, the return is particularly rich. Mr. Zhang invested 10.2 million yuan, and can recover more than 7,000 yuan in one month, with an annualized rate of return of nearly 50%, which is about10 times higher than that of bank wealth management products. Qian Bao. com calls it "salary". It is this high return that makes Mr. Zhang enjoy it, even unwilling to take out his income, and continue to take on the task in Qian Bao to obtain new income.
On the premise that the task is simple and easy to operate, participants can get higher returns as long as they invest more and spend a long time. According to the income conversion promised by Qian Bao Net, the annualized rate of return of illegal fund-raising by Qian Bao Net is between 40% and 60%. This input-output ratio not only firmly binds old users, but also constantly attracts new users to participate.
Zhang Xiaolei, the founder of Qian Bao. Com, claiming that the task of watching advertisements is to attract attention, increase click-through rate and form high traffic, thus attracting advertisers to join in. But the truth is, Qian Bao. Com has hardly attracted advertising investment in recent years. Yang, former director of the company's strategic development research center, said that almost all advertisements that let participants complete tasks online are self-promotion of enterprises.
Deposit, security deposit, borrowing new and returning old to pay user interest.
According to the regulations of Qian Bao. Com, paying the deposit is the threshold for participants to get the task. During the task, the deposit cannot be retrieved, and only after the task is completed will the deposit be returned to the participant's account together with the salary. Qian Bao. Com requires participants to bind their personal bank cards online, and to open the functions of recharging and withdrawing cash. Zhang Xiaolei and others set up fund pool accounts in banks and collected participants' deposits through numerous third-party payment platforms and online banking.
Under the temptation of high interest rate returns, the membership of Qian Bao Network has expanded rapidly. Zhang Xiaolei said that by the time of the incident, Qian Bao had millions of daily active users. Users of this scale mean huge interest expenses. Zhang Xiaolei said frankly that Qian Bao Net's absorption of user deposits is the main way to solve the funding problem.
There is no substantial profit, and false propaganda attracts funds.
In order to maintain the chain of "high interest payment" and attract more fund-raising participants, Zhang Xiaolei carefully concocted the illusion of an "Qian Bao" industrial empire. There are more than 70 "Qian Bao-related" enterprises in the overwhelming advertisements in Qian Bao, covering different fields such as e-commerce, real estate, football, glycerin and bicycle enjoyment. However, the police investigation shows that there are only more than 20 companies actually operating, and the profits generated are far from enough to cover the high interest required.
However, even if there are more than 20 enterprises that actually operate, most of them are established to expand publicity, such as Chengdu Shangsu, Shanghai Yang Jing, Shanghai Tengrong, Shanghai Mu Shang, Shanghai Dingling and many other companies. These companies were originally the business departments of Qian Bao Company, and were established under different names, but they still provided support services such as operation, fund payment, customer service and publicity for illegal fund-raising of Qian Bao Net. All business transactions are internal related transactions, and they have not happened. Among them, Chengdu Shangsu Company, which is responsible for receiving and paying funds for Qian Bao Net, declared that its annual profit reached 654.38 billion yuan, but in fact most of its income came from the handling fee charged by Qian Bao Net Company, "that is, from the left pocket to the right pocket".
In addition to promoting internal transactions as corporate income, Zhang Xiaolei also packaged some real estate projects he bought into promising "quality assets" and hyped them up. ?
From 2065438 to July 2007, Zhang Xiaolei and others used the illegal fund-raising income of 12 billion yuan to purchase about 200 mu of land for scientific research and design, and two buildings on the land, which were called "smart cities" in Jiangbei. However, in Zhang Xiaolei's mouth, the value of this project soared from 654.38+0.2 billion yuan to 20 billion yuan overnight.
Another "Laoshan Forest Park Resort" project of Qian Bao Company, which is packaged as "10 billion", is an aviation land bought by Zhang Xiaolei for more than 200 million yuan. Its planned use and transfer contract have agreed that this land can only be used as a helicopter airport. However, in the publicity, these two inflated properties became castles in the air, which made participants believe that Qian Bao could repay the debt even if it fell down.
Participants in Qian Bao call themselves Bao Fen, and Zhang Xiaolei often invites guests to dinner to win Bao Fen, which is called "Thunder Banquet". Zhang Xiaolei often talks about several entities he owns when he brainwashes and refuels Bao Fen. For example, Jiangsu Jixin Glycerol Technology Co., Ltd., which he acquired, was originally a little-known chemical plant in Huai 'an, but it has turned into a top enterprise with "Asia's first and annual profit exceeding 200 million".
However, it is understood that the annual design capacity of the factory is 654.38+10,000 tons, but the actual output in 2065.438+07 is 48,000 tons, and the book profit of the factory is 2065.438+06 million yuan. The propaganda of Zhang Xiaolei Qian Bao Network is false, but it attracts more participants' real money. Mr. Wang of Nanjing participated in fund-raising more than a year ago, and today, the principal and interest are still wrapped in the net.
The police are making every effort to recover the losses.
Borrowing the new and returning the old, and making false propaganda, it is an inevitable product that the capital chain of Qian Bao Net breaks. According to the police, the fund-raising participants involved are all over the country. As of the time of the incident, the unpaid principal of fund-raising participants amounted to about 30 billion yuan. According to the preliminary investigation, the capital assets of Qian Bao enterprises are far from enough to fill the gap of outstanding principal.
The former Nanjing public security organ is speeding up the investigation of the case and doing its best to recover the losses for the fund-raising participants. The police said that the public security organs have opened the "Registration Platform for Qian Bao Netizens to Cooperate with Investigation and Evidence Collection", hoping that fund-raising participants can report the case and register information in a timely and active manner to safeguard their legitimate rights and interests.