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e租宝事件的近期报道

2015年12月份,国内知名P2P融资平台e租宝跑路事件,引起了很大的轰动。虽然本站主要分享国外投资项目和信息,但是偶尔熟悉一下国内的相关动态也可以增加我们对于高风险网络投资的认识,下面我们就来看一篇昨天关于它的最新报道。

一年半内非法吸收资金500多亿元,受害投资人遍布全国31个省市区,不论是从涉案资金,还是影响范围来看,都算得上是近些年最大的经济案件了。2016年1月14日,备受关注的“e租宝”平台21名涉案人员被北京检察机关批准逮捕。

“e租宝”平台实际控制人、钰诚集团董事会执行局主席丁宁,涉嫌集资诈骗、非法吸收公众存款、非法持有枪支罪及其他犯罪行为。

这个曾风靡全国的网络融资平台真相究竟如何?钰诚集团一众高管头顶种种“光环”之下到底隐藏着怎样的黑幕?记者日前对办案民警、主要犯罪嫌疑人和受害企业进行了深入采访,还原了钰诚集团及其关联公司(以下简称“钰诚系”)利用“e租宝”非法集资的犯罪轨迹。

案件·数据:非法集资500多亿,涉及投资人约90万名,1200余册材料被深埋6米地下

“e租宝”是“钰诚系”下属的金易融(北京)网络科技有限公司运营的网络平台。2014年2月,钰诚集团收购了这家公司,并对其运营的网络平台进行改造。2014年7月,钰诚集团将改造后的平台命名为“e租宝”,打着“网络金融”的旗号上线运营。

办案民警介绍,2015年底,多地公安部门和金融监管部门发现“e租宝”经营存在异常,随即展开调查。公安机关发现,至2015年12月5日,“钰诚系”可支配流动资金持续紧张,资金链随时面临断裂危险;同时,钰诚集团已开始转移资金、销毁证据,数名高管有潜逃迹象。2015年12月8日,公安部指挥各地公安机关统一行动,对丁宁等“钰诚系”主要高管实施抓捕。

民警表示,此案案情复杂,侦查难度极大。“钰诚系”的分支机构遍布全国,涉及投资人众多,仅需清查的存储相关数据的服务器就有200余台。为了毁灭证据,犯罪嫌疑人将1200余册证据材料装入80余个编织袋,埋藏在安徽省合肥市郊外某处6米深的地下,专案组动用两台挖掘机,历时20余个小时才将其挖出。

初步查明,“钰诚系”的顶端是在境外注册的钰诚国际控股集团有限公司,旗下有北京、上海、蚌埠等八大运营中心,并下设融资项目、“e租宝”线上销售、“e租宝”线下销售等八大业务板块。

从2014年7月“e租宝”上线至2015年12月被查封,“钰诚系”相关犯罪嫌疑人以高额利息为诱饵,虚构融资租赁项目,持续非法吸收公众资金,累计交易发生额达700多亿元。警方初步查明,“e租宝”实际吸收资金500余亿元,涉及投资人约90万名。

案件·骗局:假项目、假三方、假担保,三步障眼法编织超级庞氏骗局

“‘e租宝’就是一个彻头彻尾的庞氏骗局。”在看守所,昔日的钰诚国际控股集团总裁张敏说,对于“e租宝”占用投资人资金的事,公司高管都很清楚。

办案民警介绍,在正常情况下,融资租赁公司赚取项目利差,而平台赚取中介费;然而,“e租宝”从一开始就是一场“空手套白狼”的骗局,其所谓的融资租赁项目根本名不副实。

“我们虚构融资项目,把钱转给承租人,并给承租人好处费,再把资金转入我们公司的关联公司,以达到事实挪用的目的。”丁宁说,他们前后为此花了8亿多元向项目公司和中间人买资料。

“据我所知,‘e租宝’上95%的项目都是假的。”安徽钰诚融资租赁有限公司风险控制部总监雍磊称,丁宁指使专人,用融资金额的1.5%-2%向企业买来信息,他所在的部门就负责把这些企业信息填入准备好的合同里,制成虚假项目在“e租宝”平台上线。

在目前警方已查证的207家承租公司中,只有1家与钰诚租赁发生了真实的业务。

根据相关法规,网络平台只进行信息中介服务,不能自设资金池,不提供信用担保。

据警方调查,“e租宝”将吸收来的资金以“借道”第三方支付平台的形式进入自设的资金池,相当于把资金从“左口袋”放到了“右口袋”。

不仅如此,钰诚集团还直接控制了3家担保公司和一家保理公司,为“e租宝”的项目担保。

中国政法大学民商经济法学院教授李爱君表示,如果平台引入有关联关系的担保机构,将给债权人带来极大风险。

案件·陷阱:“预期年化收益率9%至14.6%”“可以随时支取”

“1元起投,随时赎回,高收益低风险。”这是“e租宝”广为宣传的口号。许多投资人表示,他们就是听信了“e租宝”保本保息、灵活支取的承诺才上当受骗的。记者了解到,“e租宝”共推出过6款产品,预期年化收益率在9%至14.6%之间,远高于一般银行理财产品的收益率。

投资人张先生表示,“e租宝”的推销人员鼓动他说,“e租宝”产品保本保息,哪怕投资的公司失败了,钱还是照样有。

投资人徐先生给记者算了一笔账:“我拿10万块钱比较的话,在银行放一年才赚2000多块钱;放在‘e租宝’那边的话,它承诺的利率是14.6%,放一年就能赚14000多块钱。”

投资人席女士则称,自己是被“e租宝”可以灵活支取的特点吸引了:“一般的理财产品不能提前支取,但‘e租宝’提前10天也可以拿出来。”

对此,李爱君表示,最高法在2010年出台的关于非法集资犯罪的司法解释里明确,不能用承诺回报引诱投资者。实际上,由于金融行业天然的风险性,承诺保本保息本身就违背客观规律。银监会更是明确要求,各商业银行在销售理财产品时必须进行风险提示。

但是,“e租宝”抓住部分人对金融知识了解不多的弱点,用虚假的承诺编织了一个“陷阱”。为了加快扩张,钰诚集团还在各地设立了大量分公司和代销公司,直接面对老百姓“贴身推销”。其地推人员除了推荐“e租宝”的产品外,甚至还会“热心”地为他们提供开通网银、注册平台等服务。所以,“e租宝”仅用一年半时间,就吸引来90多万实际投资人,客户遍布全国。

案件·资金:非法吸取的巨额资金被挥霍,“会把一个奢侈品店全买空”

据警方调查,“钰诚系”除了将一部分吸取的资金用于还本付息外,相当一部分被用于个人挥霍、维持公司的巨额运行成本、投资不良债权以及广告炒作。据多个犯罪嫌疑人供述,丁宁与数名集团女高管关系密切,其私生活极其奢侈,大肆挥霍非法吸取来的资金。

警方初步查明,丁宁赠与他人的现金、房产、车辆、奢侈品的价值达10余亿元。

仅对张敏一人,丁宁除了向其赠送价值1.3亿的新加坡别墅、价值1200万的粉钻戒指、豪华轿车、名表等礼物,还先后“奖励”她5.5亿元人民币。

“钰诚系”的一大开支还来自高昂的员工薪金。以丁宁的弟弟丁甸为例,他原本月薪1.8万元,但调任北京后,月薪就飞涨到100万元。

据张敏交代,整个集团拿着百万级年薪的高管多达80人左右,仅2015年11月,钰诚集团需发给员工的工资就有8亿元。

多位公司高管称,为了给公众留下“财大气粗”的印象,丁宁要求办公室几十个秘书全身穿戴奢侈品牌的制服和首饰“展示公司形象”,甚至一次就把一个奢侈品店全部买空。

不仅如此,2014年以来,“钰诚系”先后花费上亿元大量投放广告进行“病毒式营销”,还将张敏包装成“互联网金融第一美女总裁”,作为企业形象代言人公开出席各种活动。

公司的花销在水涨船高,资金回笼的压力也越来越大。雍磊说,“e租宝”只要一天没有新项目上线,丁宁就会立刻催问。

实际上,“钰诚系”的高管们对公司的实际状况都心知肚明。“‘e租宝’的窟窿只会越滚越大,然后在某个点集中爆发,账上没钱还给老客户,也不能还给新客户。”张敏说,自己曾在2015年9月让公司的数据中心进行测算,结果显示,“e租宝”的赎回量将在2016年1月达到9亿,此后赎回量逐月递增。

这个预测,与公安机关此前的分析结果非常吻合。

案件·进展:有关部门正加紧取证追赃,最大限度挽回投资人损失

根据“e租宝”案件中已经查明的种种犯罪事实,司法机关认为,犯罪嫌疑人的这些行为已经涉嫌非法吸收公众存款和集资诈骗。

办案民警介绍,由于“钰诚系”的资金交易庞杂,财务管理混乱,其资金流向还在调查之中。目前,公安机关正在与银监会、人民银行等部门通力配合,加快工作进度,全力以赴进行调查取证、追赃、甄别涉案资产等工作,最大限度地挽回投资人的损失。为了便于投资人报案、完善案件处置相关信息,公安机关已经搭建起投资人信息登记平台,并将于近期挂接在公安部官方网站上启用。

有关部门表示,投资人应及时、主动报案、登记信息、提供证明材料,避免因不及时、不如实报案、登记而损害自身合法利益;同时,请投资人依法维权,不信谣、不传谣、不受蛊惑,不组织、参与各类非法活动。涉嫌犯罪的人员,应当积极配合调查、退缴违法所得,争取从宽处理。

看了这篇报道,通过e租宝的历程来看,我们应该可以得出两个结论:第一、任何投资或者融资平台,都需要一个正常的发展和为大众熟知的过程,过度宣传和推广,都很可能是不正常的现象,毕竟羊毛出在羊身上,他付出的推广费用最后还是消费者买单,所以,网络和地面大规模火爆宣传的同时,也就是我们应该警惕的时候,闷声发大财也许就应了这句话;第二、从长期来看,资金获利有一个正常的范围,明显利润较高的投资都会有潜在的风险,如果长时间运作,风险爆发是迟早的,只是时间点的问题,所以我借此再次提醒一下关注本站的网友,精心选择项目、学会把控风险、尽量小额投资。即使你在Marlive(超级玛丽)亏了很多,也不要想着在下一个项目上猛砸资金而把之前亏的赢回来,这是几乎不可能的,因为任何事情都需要一个过程。

E rent treasure events reported recently

In December 2015, the domestic well-known P2P financing platform e rent treasure to run the event, caused a great sensation. Although the main share of foreign investment projects and the information in this site, but occasionally to meet the domestic related dynamic can also add to our understanding of high-risk investment network, let's take a piece of the latest news about it yesterday.

Within a year and a half of illegal absorb more than 500 one hundred million yuan of funds, victimized investors all over the country 31 provinces, whether from the money involved, or influence, is the biggest economic cases in recent years. On January 14, 2016, the closely watched "e rent treasure" platform 21 involved by Beijing procuratorate approved the arrest.

"E rent treasure" platform actual controllers, her cheng group executive chairman of the board ding, alleged fund-raising fraud, crime of illegal absorb public deposits, illegal possession of guns and other crimes.

This was popular national network financing platform for the truth of how? Her one group, the executive heads of various "aura" exactly how hidden under the shady? Reporter recently to the policemen, the main suspects and victims had in-depth interviews, to restore the already cheng group and its affiliates (hereinafter referred to as "her sincerity") using "e rent treasure" crime of illegal fund-raising.

Case data: illegally accepting more than $500, involved investors about 900000, 1200 books materials was buried deep six meters underground

Rent treasure "e" is "her sincerity" of the gold is easy to melt (Beijing) network technology co., LTD., operating network platform. In February 2014, her cheng group bought the company, and to modify the operation of the network platform. In July 2014, her cheng group will modified platform named "e", all in the name of "financial network" online operations.

The policemen are introduced, at the end of 2015, much of the public security department and the financial supervision and regulation department found "e rent treasure" abnormal operation, and investigate. The public security organs, found that on December 5, 2015 "her sincerity" disposable liquidity remains tense, capital chain always face the danger of fracture; At the same time, her cheng group has started to transfer funds, destroy evidence, several executives have signs on the lam. On December 8, 2015, the ministry of public security command local public security organs shall be responsible for the actions, such as ding "her sincerity" leading executives to make arrests.

Police said the case the case is complex, extremely hard investigation. "Her sincerity" branches all over the country, involving numerous investors, only relevant data inventory storage server has more than 200 sets. In order to destroy the evidence, the criminal suspect will more than 1200 copies of the evidence materials into more than 1200 sacks, buried somewhere in hefei in anhui province countryside 6 meters deep underground, some use two excavators, lasted more than 20 hours to dig them.

Initial investigation, "her sincerity" is already registered in overseas at the top of the international holding group co., LTD., with Beijing, Shanghai, bengbu, etc. Eight operations center, and there are financing project, "e rent treasure" online sales, "e rent treasure" offline sales and so on eight major business sectors.

From July 2014 to "rent" e on-line to shut down in December 2015, "her sincerity" relevant criminal suspects to high interest rates as bait, fictitious financial leasing project, persistent illegal absorbing public funds, accumulative total transaction amount is more than 700 one hundred million yuan. Police initially, "e rent treasure" actual foreign capital more than 500 500 yuan, involving about 900000 investors.

Case scam: false, false, false guarantee, three-step smoke screen weaving super ponzi scheme

"' e rent treasure is a ponzi scheme." In jail, the former already, said zhang cheng international holding group President for "e rent treasure" occupy investor funds, company executives are very clear.

The policemen, under normal circumstances, make project financing lease company spreads, and platform to earn commission; "E rent treasure" from the beginning, however, is an "empty set of white Wolf" scheme, the so-called financial leasing project undeserved reputation.

"We invented the financing project, turns it over to the lessee, and lessee -with, then put the money into our company's affiliates, to achieve the goal of facts to misappropriate." Ding said, before and after they spent more than 800 million yuan to the project companies and middlemen buy materials.

Rent treasure "as far as I know, 'e' on 95% of the project is false." Anhui her sincere YongLei financing lease co., LTD., risk control department director, said ding letting someone, with financing amount bought from 1.5% 2% to the enterprise information, his department is responsible for the enterprise information in the contract, fill in the prepared made false project set up in "e rent treasure" platform.

In the current police have verified 207 tenant companies, and her sincere rental has only one real business.

According to the relevant laws and regulations, the network platform of information intermediary services only, cannot be its own pool, do not provide credit guarantee.

According to a police investigation, "rent" e will absorb money to "borrow" third-party payment platform into its own pool of funds, the form of equivalent to put the money from the "left" in the "right pocket".

Not only that, her cheng group also directly controls the three guarantee companies and factoring company, to guarantee "e rent treasure" project.

, says ai-jun li, a professor at the China university of political science and law in civil and commercial economic law if there is a correlation platform to introduce guarantee agencies, will bring great risk to creditors.

Case, trap: "expected annualised yield 9% to 9%" "can withdraw at any time"

"1 yuan, redeem at any time, high yield low risk." This is the slogan of "rent" e widely publicized. Many investors said, they just listen to the "e rent treasure" the promise of insurance interest, flexible withdrawal was cheated. The reporter understands, launched "e rent treasure", a total of six product, expected annualised yield between 9% and 14.6%, far higher than the bank financial product yield.

Investors, "e rent treasure" Mr. Zhang said that sales people encouraged, he said, "e rent treasure" product break-even interest, even if the investment company fails, the money is still there.

Investors, Mr Xu give reporters calculated brushstroke zhang: "compared to the $100000 I put in the bank only earn more than 2000 yuan a year; in 'e rent treasure there, it promised interest rate is 14.6%, put more than a year can earn 14000 dollars."

Ms investors seats, said that was "e rent treasure" can be the characteristics of flexible withdrawal attracted: "the general products can't advance the time of withdrawal, but 'e rent treasure' 10 days in advance can also take out."

The ai-jun li said, the supreme law enacted in 2010 of illegal fund-raising crime in the judicial interpretation clear, cannot promise will be returned to lure investors. In fact, because of the financial industry, the risk of natural commitment break-even interest itself against the objective law. The China banking regulatory commission is more clear requirements, commercial Banks must prompt the risk when selling products.

"E rent treasure" grab some, however, not much knowledge of financial weakness, woven with false promises a "trap". In order to speed up the expansion, her cheng group also set up a large number of branch company, and to sell goods on a commission basis in all directly in the face of common people "intimate". To push its personnel in addition to recommend "e rent treasure" product, even "enthusiasm", registered platform to provide them with open net silver and other services. So, "e rent treasure" in just a year and a half time, to attract more than 90 investors actually, customers all over the country.

Case, money: illegal sums was squandered, "will take a luxury shops all who"

According to a police investigation, "her sincerity" besides will absorb a part of the funds used for servicing, quite a number of used for personal consumption, to maintain the company's huge operation cost, investment, distressed debt and advertising hype. According to the multiple suspects confession, ding closely associated with several group of female executives, their private life are flashy, splurging draw money illegally.

The police initially, ding donative other cash, real estate, cars, luxury value amounted to more than 10, one hundred million yuan.

Only for one zhang, ding in addition to its present value 130 million Singapore villa, value 12 million pink diamond ring, luxury cars, watches and other gift, also has "reward" her 550 million yuan.

"Her sincerity is one of the big spending also from high salaries. Ding's brother Ding Dian, for example, he originally 18000 yuan a month, but after transfer in Beijing, will soar to 1 million yuan a month.

According to zhang, the group with a million-dollar annual salary of executives as many as 80 people, only in November 2015, her cheng group should be sent to the employee's salary is 800 million yuan.

Several executives said, in order to give the public a "deep pockets" impression, ding asked dozens of office secretary general wear the uniform of a luxury brand and jewelry show the company image, even once is a luxury shops all contents.

Not only that, since 2014, "her sincere system" has spent hundreds of millions of yuan a large number of ads for "viral marketing", will also be zhang packaged into the first beauty, "" Internet finance, as an enterprise image spokesperson publicly to attend all kinds of activities.

Company's cost is higher, the pressure of money collecting is becoming more and more big. YongLei said, "e rent treasure" as long as a day no new project launch, ding immediately asked.

In fact, "her sincerity" executives actual situation are aware of the company. "' e rent treasure hole would be more roll, and then at some point concentrated outbreak, account does not have the money back to the old customers, new customers can't back." Zhang said that he had in September 2015 for the company's data center is calculated, the result shows that "rent" e redemptions to reach 2016 in January 2016, after redemptions are increasing month by month.

This prediction, and the public security organ after the analysis of the results.

Case progress: the department is gearing up forensic recover stolen money or goods, maximum limit save investor losses

According to "rent" e case have to find out the criminal facts, the judicial organ believes that the behavior of the criminal suspect has been suspected of illegal absorb public deposits and fund-raising fraud.

The policemen are introduced, as "her sincerity" money transaction, confused financial management confusion, the capital flow is under investigation. At present, the public security organs is working with the China banking regulatory commission, people's bank and other departments to cooperate, to speed up the work progress, go all out to carry on the investigation, recover stolen money or goods, such as identifying the assets involved in the work, maximize the recover losses of investors. In order to facilitate investors, improve the disposal of crimes reported information, the public security organs have set up investor information registration platform, and will be articulated in the ministry of public security in the near future to enable the club's official website.

Authorities said, investors should be prompt, active reporting, registration information, provide proof, avoid the not timely, not truthfully reporting, registration and damage the interests of their legal; Please investors rights according to law, and at the same time, do not believe a rumor, tale, deluded, not organise or participate in all kinds of illegal activities. Personnel suspected of a crime, shall actively cooperate with the investigation, pay back the illegal income, to show leniency.

Saw this story, throughout the course of e rent treasure, we should be able to draw two conclusions: first, any investment or financing platform, needs to be a normal process of development and for the familiar, excessive publicity and promotion, is likely to be not normal phenomenon, after all, the wool is on sheep's body, he promoted finally consumers pay pay, so the network and the ground mass popular propaganda, at the same time also is we should be alert, focusing of making a fortune may should be the words; Second, in the long run, capital profit have a normal range, significantly higher investment profits will have potential risks, if long time operation, risk outbreak is sooner or later, it's just a matter of time, so I wrote to remind on this site again, carefully selected projects, learn to control risk, small investment as far as possible. Even if you're Marlive (Mario) lost a lot of, don't think that slammed on the next project funds and the losses before winning back, it is almost impossible, because everything needs a process.




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