Recently, there is big news in the asset management circle.
After e-rental, the so-called principal of 6 million yuan rolled to 65.438+0.4 billion yuan in seven years, and the Qian Bao Internet, which earned more than 10,000 yuan a month by watching advertisements, filling out questionnaires and playing games, collapsed.
On February 26th, 2065438+0717, Zhang Xiaolei, the actual controller of Qian Bao Net, came to Nanjing Public Security Bureau to write a statement and surrendered himself to the police, saying that he "absorbed the investors' funds and could not pay the principal interest now"; Two days ago, the police released the preliminary findings: Qian Bao. Com continues to "borrow the new and return the old" and illegally absorbs a lot of public funds. As of the time of the incident, the unpaid principal of fund-raising participants reached 30 billion yuan.
The big scam that lasted for seven years was finally exposed. Now, Zhang Xiaolei can guarantee his life safety in the Public Security Bureau, but his "treasure fans" (Qian Bao net investors) are frightened.
"Treasure Powder" gathered at the gate of the police station to discuss countermeasures.
(of criminals) voluntarily surrender (to the police)
Zhang Xiaolei's surrender surprised almost everyone.
On February 26th last year, 12, Zhang Xiaolei, who had just finished Christmas, also posted a New Year greeting through Qian Bao official WeChat. In the video, Zhang Xiaolei holds a red lantern in one hand and a microphone in the other, shouting at the "treasure powder": "People who travel all over the castle peak are not old, and the scenery here is unique."
Unexpectedly, the next day, that is, 20 17 12.27, Weibo, the official of Nanjing Public Security Bureau, released a message that Zhang Xiaolei, the actual controller of Qian Bao Net, surrendered himself to Nanjing Public Security Bureau on 2017/2.26 on suspicion of violating the law.
More dramatically, in the face of the police announcement, the first reaction of a large number of "treasure powder" is to refuse. At that time, a large number of "treasure powder" gathered at the entrance of Nanjing Public Security Bureau. However, apart from some people who want to get their principal back and defend their rights according to law, there are still a large number of people who want the Nanjing Public Security Bureau to "release people as soon as possible", and they want to "ensure" Zhang Xiaolei to come out and "tide over the difficulties".
How can it be so strange for a liar to try to "bail" after being cheated of money?
One of the reasons may be that Zhang Xiaolei's brainwashing skills are really strong. With the evaluation of insiders, Zhang Xiaolei is the "God" in the eyes of "Bao Fen". He started his own business after graduating from high school. As early as 1997, Zhang Xiaolei was already a multimillionaire at the age of 28. Although tens of millions of them went up in smoke, it undoubtedly added a lot of mystery to his life. In addition, there are many exceptions in his life:
In 2003, he was involved in the "Pan-Asian Incident", was questioned for misappropriating huge amounts of public funds, and was subsequently imprisoned; Before Christmas 20 13, Zhang Xiaolei said in the internal training of employees: "The company you serve is a great company ... My goal on 20 14 is to tame Ermayina (Ma Yun, Ma Hua Teng)"; In order to manage the company, Zhang Xiaolei often compares himself to "elected president", compares Qian Bao to "country" and compares the challenges he faces to "battle".
Once faced with the problem that money was suspected of pyramid schemes, he said: "If a large number of enterprises in this place had problems, they would have been investigated. Then it was not your turn, and the Public Security Bureau asked me. "
To some extent, he is right. This time, it's really not the turn of "Bao powder" to question. Before the Public Security Bureau "pleaded guilty", he voluntarily surrendered himself. It's just that the crime has been changed and it's suspected of illegal fund-raising.
attract
However, compared with Zhang Xiaolei's powerful brainwashing function, Qian Bao's amazing income may be the ultimate trick to really make "Baofen" stop. You know, for many people, it is much easier to live in the fantasy of "6 million principal, rolling to 65.438+0.4 billion in seven years" than to accept the reality.
A "treasure powder" told reporters that he was a late worker in Qian Bao, but a "big family" he knew was one of the 15 people who started working in Qian Bao at 438+00 in 2065, with a principal of 6 million yuan, which rose to 654.38+04 billion yuan seven years later. "He saved more than 70 million yuan in Qian Baocun, and he can get 88,000 yuan by signing online in Qian Bao every day. There are more than 60 million. He bought a house and a car. These early people who voted for Qian Bao made a lot of money. "
Another investor, Chen Xin, confirmed this statement. A friend he knew earned 52 times the principal of 6.5438+0.9 million yuan, which increased to 99 million yuan in Qian Bao Net for 7 years.
Of course, not everyone is so lucky. Chen Xin invested 6.5438+0.3 million yuan in Qian Bao Net, and accumulated more than 3.7 million yuan before the incident. "In 2065.438+2004, 300,000 yuan was bought for the equity of Qian Bao Net, and 6.5438+0.8 million yuan was overpaid, an increase of 6 times." Seeing that it was easy to make money, Chen Xin borrowed more than 600,000 yuan from the bank to invest in Qian Bao. In addition, he has previously invested in "P2P companies" such as Nanjing Blueberry (he has run away and the court judgment has been issued). So far, he hasn't got any money back. Now he wants to sell the house and repay the loan.
But anyway, Qian Bao. Com has created a powerful business empire. "Qian Bao's strength. Com is that it allows most people to make money and stay, believe in and faithfully abide by this platform, and even reinvest profits and incremental funds. " Chen Xin said.
cheat
So, what kind of model can make countless "treasure powder" willingly put huge amounts of money into this platform, so that Qian Bao Net can last for seven years?
According to Zhang Xiaolei's own confession, Qian Bao. Com takes the high income from completing advertising tasks as bait, collects user deposits, and absorbs huge amounts of money from unspecified public by absorbing new users' funds and paying the principal and income of old users, which is suspected of illegal fund-raising criminal activities.
It's a little complicated. Let's take a look at Qian Bao's promotional materials. Simply put, you have to be a "treasure powder" first. This step includes registering as a member and paying a certain amount of deposit; Then, you will be qualified to do tasks in the lobby, such as watching advertisements, filling out questionnaires, trying out games, etc., and then you can "get paid" after completion. For example, there is a case that if the user can pay a deposit of 654.38+10,000 yuan and ensure to watch a certain amount of "advertisements" every day, the minimum monthly income can be 4,000 yuan, and the maximum income can be 1 10,000 yuan.
It sounds great, but if you study these tasks carefully, you will smell a little strange.
First of all, how did Qian, a company that is not very famous, attract a large number of advertisers as advertised? In fact, according to the confessions of Zhang Xiaolei and others, since the platform was launched, almost no external brands have put in advertisements, and their "tasks" are mainly advertisements randomly found on the Internet and internal videos of the company.
Secondly, the income composition of Qian Bao Net mainly includes tasks, sign-in, promotion and so on. Among them, the task and promotion are the most important, basically about 2 points per month (annualized income of 36%), plus five ten thousandths of income per day, its comprehensive income is as high as 3 points per month (annualized income of 42%), which is more than 50% if compound interest is included. You should have seen it. It's like usury.
Lawyer Wang Wei of Jiangsu Sanfa Law Firm talked about the operation essence of Ceng Dian Qian Bao Network: the so-called "salary" is directly linked to the amount of "deposit", which is not real labor remuneration in essence, but a disguised statement about "principal" and "interest".
But investors did not consider this danger. Under the temptation of high income, a large number of profit-seekers put real money into the website. Qian Bao. Com previously said that as of September 20 17, the registered users exceeded 200 million, and the platform flow exceeded 50 billion yuan.
skill
With such a high rate of return, there is no clear business profit model. What does Qian Bao Net rely on to maintain this stall?
Pulling money to pull people is the only way.
With the development of the company, Qian Bao. Com began to implement more dangerous "business model"-WeChat business and equity investment.
20 15, the upgraded Qianbao. com has been implanted with social, shopping, sharing and other functions, claiming to be transformed into a WeChat business platform. In the eyes of the industry, the main task of doing this is to "whitewash" the company and maintain the operation of the platform with some cash flow (the store has to pay a mortgage of 20,000 yuan to enter the Qian Bao network).
More dangerous than WeChat business is a "QBII" project with an initial investment of 6.5438+0 million yuan. It is a distribution product, but if you look at the model contract carefully, you will find that it is actually an equity investment agreement signed by Qian Bao Net and investors, and you can get dividend income through the target company (basically a shell company), with the highest yield of 300%.
300% yield! Is there really such a good thing?
Some insiders revealed the mystery. After signing the "QBII" project, the investor's identity was changed to the shareholder of the company, and the investor's identity was changed from "investor" to "equity holder". What does this mean? In other words, the desire of "shareholders" to withdraw cash will be greatly reduced, not only greatly reduced, but also great impulse to attract new users for the platform. "Because the user buys equity, the company has no obligation to return the investment money, and the user can only sell it to the next home."
In this way, Zhang Xiaolei established or acquired a large number of affiliated companies, which were true or false, designed a huge illusion of industrial network, followed closely the hot spots of policies and public opinion, created a huge illusion of business empire, and brainwashed investors.
What are the consequences? The netizen in Zhihu said very directly: "The reason why Qian Bao Network has been maintained until now is to keep cashing in high interest rates and attract investment with the effect of making money. Those who make money don't leave, but they keep pulling people. It is difficult to get back the money invested at present. The first one came and took it away, leaving the back pot man. "
warn
It is worth pondering that nowadays, backpackers are crying for land, hoping to get back the principal, or shouting "cheated" and "full of regret", but in fact, as early as 20 15, the Nanjing Municipal Government had a good intention to prevent financial risks like Qian Bao.
2015165438+1At the end of October, Qian Bao, as one of several sponsors, was banned by the organizers with white paper.
20 15,15 In February, the media reported that the local media in Nanjing received a "ban order" from relevant departments, and cancelled the publicity, investment and business projects in cooperation with Qian Bao Net and Wang Qian Company from now on.
It is even reported that the relevant departments in Nanjing took measures against Qian Bao Net at that time, restricted Qian Bao Net from developing offline business in Nanjing, and asked Qian Bao Net to relocate its registered place and corporate headquarters.
20 16, Qian Bao. com is located outside the office gate in Jiangning District, Nanjing. Banners are hung at four intersections, which read "Raise awareness of risk prevention, beware of illegal financing traps, beware of being deceived, resist the temptation of high-paying fund-raising, and rationally choose investment channels". It is reported that these banners are measures taken by the Jiangning Economic Development Zone Management Committee to remind investors.
However, Zhang Xiaolei's companies are not alone in Qian Bao. According to a survey data provided by Tianyancha, before the incident, Zhang Xiaolei served as the legal representative of 72 enterprises, mainly in software and information technology services; Zhang Xiaolei invested in 54 enterprises with a maximum investment of 44.55 million yuan. Among them, more than 30 companies were cancelled, suggesting that 40 companies were at risk.
According to insiders, although the local government in Nanjing has been alert to Qian Bao. Before, in the face of so many enterprises and ever-changing office locations, the relevant government departments were really a little confused.
For those who ignore risks and invest their money in relevant platforms, we may just remind them that poppy is beautiful but also dangerous.