1, pure fraud platform
The purpose of establishing such a platform is to cheat, fabricate borrower information, use high interest rate as bait, attract investors to invest heavily through false propaganda and secondary bidding, and then flee. Short online time is a major feature of this kind of pure fraud platform. At present, the fastest platform in China is "Hengjin Loan", and the online time is only half a day.
2. Self-convergence platform
Self-financing platform means that the loan items on the platform are fictitious loan targets of affiliated enterprises or platforms, and the raised funds are used by themselves. The purpose of many self-financing platforms is to raise funds for the parent company or person in charge of the platform. Once the parent company or the responsible person fails to repay the principal and interest in time, the capital chain will break, and the platform will face the danger of bankruptcy or the responsible person running away.
3. Ponzi scheme
Ponzi scheme, also called "robbing Peter to pay Paul" in China, is simply to borrow the new and return the old, and use the money of new investors to pay the old investors interest and short-term returns, so as to create the illusion of making money and then defraud more investments. The top-up amount of such platforms is always greater than the cash withdrawal amount. When the top-up amount is less than the cash withdrawal amount, the platform will fill the funding gap by issuing short-term bids such as high-yield second and daily bids. Once the platform has no continuous investment source, the entire capital chain will break, and the platform will not be far from running.
4. Pure fraud platform
The purpose of establishing such a platform is to cheat, fabricate borrower information, use high interest rate as bait, attract investors to invest heavily through false propaganda and secondary bidding, and then flee. Short online time is a major feature of this kind of pure fraud platform. At present, the fastest platform in China is "Hengjin Loan", and the online time is only half a day.
5. Self-convergence platform
Self-financing platform means that the loan items on the platform are fictitious loan targets of affiliated enterprises or platforms, and the raised funds are used by themselves. The purpose of many self-financing platforms is to raise funds for the parent company or person in charge of the platform. Once the parent company or the responsible person fails to repay the principal and interest in time, the capital chain will break, and the platform will face the danger of bankruptcy or the responsible person running away.
6. Ponzi scheme
Ponzi scheme, also called "robbing Peter to pay Paul" in China, is simply to borrow the new and return the old, and use the money of new investors to pay the old investors interest and short-term returns, so as to create the illusion of making money and then defraud more investments. The top-up amount of such platforms is always greater than the cash withdrawal amount. When the top-up amount is less than the cash withdrawal amount, the platform will fill the funding gap by issuing short-term bids such as high-yield second and daily bids. Once the platform has no continuous investment source, the entire capital chain will break, and the platform will not be far from running.