Scam form: using high interest as bait, absorbing public funds by fictional borrowers and the use of funds, publishing false bidding information on online lending platforms, and then suddenly closing the website or absconding with the money.
1. Stay away from P2P platforms with "cash pools". Almost all P2P platform frauds will use the fund pool model, which allows the platform to misappropriate funds at will, so it can run away with money at any time. At the same time, under the fund pool model, every loan is completely opaque, which has become the best way to cover up the Ponzi scheme-it is clear that the platform has been unable to make ends meet, and it can also borrow new money to pay back old money every day.
2. It should be emphasized that even in a healthy market environment, P2P online lending is a risky investment behavior, which is completely different from buying low-risk "wealth management products" in banks, especially in the case of market chaos. If you want to participate in P2P investment, the platform is very important. At present, some state-owned giants and large financial institutions are also testing P2P business. You can choose such a platform to participate.
Scam 2: illegal fund-raising scam
Scam form: "My friend's company raises funds internally, and the interest is very high. Let me introduce you. " "The interest rate of money deposited in the bank is too low. I have a project outside, with a monthly interest rate of 3 points. Lend me the money. " Don't be impulsive when you hear these words. Because if you are not careful, private lending may become illegal fund-raising, not only the interest will not be obtained, but also the principal will be wasted.
There are many forms of illegal fund-raising and they can be divided into three categories. The first category is "investment type". Its characteristics are: packaging a popular investment project, promising a high profit return and inviting you to participate in the investment; Or in the name of investing in this project, promise to borrow money from you at a high interest rate. These investments include real estate, education, mining, forestry and aquaculture.
The second category is "operational". Its characteristic is that the capital chain of enterprises suddenly encounters tension in the process of operation, and in this case, they raise funds from the society at high interest rates.
The third category is "finance", which is often called "usury". Usually, in the name of individuals, guarantee companies or small loan companies, banks deposit at high interest rates before lending at high interest rates. The case broke out when the loan could not be recovered and the capital chain was broken.
1. It is worth noting that many illegal fund-raising behaviors start from within the enterprise and between friends, which is a normal private lending, and finally get worse and worse, and cross-border becomes illegal fund-raising. Once it is found that the nature of this lending behavior has changed, it is necessary to withdraw decisively in time.
2. In addition, don't ignore the legal agreements such as mortgage and guarantee before borrowing, and even if there is a debt dispute, you can protect your assets to the greatest extent.
Scam 3: "high-yield" short-term life insurance
Scam form: Fool "not only buy life insurance, but also get short-term high returns" and sell you a life insurance advertised as "short-term high returns", usually universal insurance. At the same time, the premium funds obtained are supplemented by aggressive investment strategies to obtain higher returns.
We should know that "steady income" is the most important rule of the game for the long-term operation of insurance companies. If this kind of insurance company can't get high returns, it's suicidal.
How to deal with:
1. If there is a real protection demand, go to the insurance company or its official website to buy pure function insurance; If you want a stable investment income, go to the bank and buy some money funds. The so-called high-yield "financial insurance" is a trick to fool people.
No matter what insurance products you buy, you must pay attention to the contract description and understand the nature of the products.
Scam 4: usury scam
Forms of fraud: introduced by relatives, friends and acquaintances. Borrow money at an annual interest rate of 20%, 30% or even higher for "project" investment. After investing tens of thousands in the early stage and tasting the "sweetness", hundreds of thousands or even millions were added. Finally, the borrower ran away and the enterprise closed down.
1. No matter who sells you an investment project, you should have a basic understanding of the fundamentals and average profit rate of the industry. There are often hidden traps behind the ultra-high profit rate.
2. Even acquaintances and friends should have relevant legal procedures such as guarantee and mortgage. Is it general guarantee or joint liability guarantee to be clear? Details such as the scope and time of the guarantee should also be clear.