How to identify illegal fund-raising in 2022?

How to Identify Illegal Fund-raising The definition of illegal fund-raising refers to the act that a unit or individual raises funds from the public by issuing stocks, bonds, lottery tickets, investment fund securities or other creditor's rights certificates without the approval of the relevant departments in accordance with legal procedures, and promises to repay the principal and interest to investors in cash, in kind or in other ways within a certain period of time. Characteristics of illegal fund-raising Illegal fund-raising has four characteristics: 1. Absorbing funds without the approval of the relevant departments according to law or by borrowing legal business forms; 2. Publicize to the public through media, promotion meetings, leaflets, mobile phone messages, etc. 3. Commit to repay the principal and interest or pay the return in the form of money, kind, equity, etc. Within a certain period of time; 4. Absorb funds from the public, that is, social unspecified objects. The manifestations of illegal fund-raising illegal fund-raising activities involve a wide range of contents and forms, mainly as follows: 1. Illegal fund-raising activities do not have the real content of real estate sales or do not take real estate sales as the main purpose, and illegally absorb funds by means of returning sales, after-sales charter, agreed repurchase, and sales of real estate shares; 2. Illegal absorption of funds by means of transfer of forest rights or management on behalf of others; 3. Illegally absorbing funds by planting (breeding), renting (breeding) or joint planting (breeding); 4. Illegally absorbing funds by means of commodity repurchase or consignment. There is no real content of selling goods or providing services, or the main purpose is to sell goods and provide services; (5) illegally absorbing funds by falsely transferring equity or selling fictitious bonds without the real contents of issuing stocks and bonds; 6. Don't know the true content of the raised funds, and use overseas funds to illegally absorb funds or sell fictitious funds; 7 illegally absorbing funds by means of counterfeiting insurance companies or forging insurance documents without the true content of selling insurance; 8. Illegally absorbing funds by investing in stocks; 9. Illegally absorbing funds by means of entrusted financial management; 10. Use non-governmental organizations such as "associations" and "social organizations" to illegally absorb funds; 1 1. Other acts of illegally absorbing funds. In recent years, the form of illegal fund-raising has been refurbished and the following new typical forms have been found: 1. Fake the name of private banks, start the state policy of supporting private capital to set up financial institutions, falsely claim that they have obtained or are applying for private banking licenses, and sell original shares or absorb deposits in the name of fictitious private banks. 2. Non-financing guarantee enterprises illegally raise funds in the name of undertaking guarantee business. There are two main forms: one is to sell false wealth management products; Second, fictitious borrowers illegally absorb funds in the name of providing loan guarantees. 3. Under the banner of overseas investment and high-tech development, fake or fictional international well-known companies set up websites, publish information such as selling overseas funds, original shares, overseas listing, and developing high-tech on the Internet, fictitious the prospect of increasing the value of equity listing or promise high expected returns, and trick people into remitting funds into designated personal accounts, then close the websites and abscond with the money. 4. There are two prominent forms of illegal fund-raising under the banner of "supporting the elderly": one is to lure the elderly to "share" in the name of investing in apartments for the elderly and sharing care in different places, with high returns and providing old-age services as bait; The second is to induce the elderly to invest by holding so-called health talks, free medical examinations, free travel and distributing small gifts. 5. Illegal fund-raising in the name of buying back collectibles at high prices, using so-called collectibles such as worthless or low-priced commemorative coins, commemorative banknotes and stamps as tools, claiming that there is huge room for appreciation, promising to buy back at high prices after the agreed time, luring people to buy, and then absconding with the money. 6. Internet investment intermediary platform (P2P), fictitious investment project, private fund pool, self-financing in violation of regulations, claiming that the risk reserve fund is supervised by the bank but the relevant regulatory information is not fully disclosed, and using high interest rate as bait to conduct fund-raising fraud. 7. By publishing media advertisements, holding wealth lectures, distributing leaflets, WeChat, blogs, emails, etc. With the sales of wealth management products and fund products as the carrier, we promise high returns and raise funds from the public. It is more and more difficult to identify and strengthen the prevention of illegal fund-raising. We can identify and prevent illegal fund-raising from the following aspects: 1. Verify industrial and commercial registration. Inquire about the industrial and commercial registration materials through the enterprise credit information publicity system to find out whether the relevant enterprises are legal enterprises registered through legal procedures. If the identity of the subject is illegal and untrue, it is fraud. 2. Look at the return on investment. Compared with whether the interest rate of bank loans and the yield of ordinary financial products are too high, the obviously high return on investment is likely to be an investment trap in most cases. According to the law, the annual interest rate of private lending exceeds 24%, which is not protected by law. 3. Check the relevant information. Through the website of the government's main (regulatory) department, you can inquire whether the relevant enterprises are listed companies approved by the state, whether they can issue company stocks and bonds, and whether they are equity trading places stipulated by the state. If you don't have the main qualification to issue and sell stocks, sell financial products and carry out deposit and loan business, you are suspected of illegal fund-raising. For example, in the name of "securities investment consulting company" and "property rights brokerage company", criminals publicize the so-called listing of stocks in domestic and foreign securities markets, and can check whether the issuance has been approved through the government website. 4. See if it is operated in the sun. Many illegal fund-raising activities are hidden. They introduce each other through relatives and friends, and then develop offline, forming a network to absorb funds. They don't sign formal contracts, they don't issue credentials, and they promise rebates, but they don't fulfill their promises; Or make up so-called "good projects" and dare not sell them publicly in the market, but operate underground to lure people to buy them. The general public must adhere to the sunshine operation when investing in financial management, buy financial products that are publicly sold in the market, and never participate in "black market transactions". 5. Know the whereabouts of investment funds. Formal investment projects clearly state the purpose of absorbing funds, and investors can understand what their money has done. As for the funds absorbed by illegal fund-raising, it is difficult for depositors to know what they have invested and where they have gone. 6. Pay attention to and inquire about media reports. Some influential illegal fund-raising crimes will be reported by relevant media. It is necessary to search and query the illegal and criminal records of relevant enterprises through media and Internet resources to prevent criminals from committing crimes in different places. 7. Consult legal professionals. For low-risk and high-return investment suggestions from relatives and friends, we should consult knowledgeable friends and professionals and make careful decisions. Illegal fund-raising is a criminal offence. If the circumstances are not serious, the relevant units will follow up and return the funds raised, and then carry out criminal detention education. If the circumstances are serious, not only should the stolen money and materials be returned, but they should also be sentenced to fixed-term imprisonment and fined tens of thousands of yuan. In today's complex society, first of all, everyone should improve their self-vigilance and ability to distinguish things.