First, the characteristics of the capital plate:

1, no capital accumulation, raised from the society due to insufficient funds;

2. Complete industrial and commercial and tax registration;

3. Do not take any risks for individual investors;

4. Short investment cycle;

5. High rate of return; There is no national record;

6. There is no risk reserve.

Capital plate refers to the form of online pyramid selling that uses the principle of direct sales multiplication to rob Peter to pay Paul by rolling or static capital circulation, and then adds the members' money to pay the former members. The essence is pyramid pyramid pyramid scheme fraud. When the boss who created the fund board is unprofitable, he immediately shuts down the internet and absconds with money, or is investigated and dealt with by the public security and industrial and commercial departments through online pyramid schemes or illegal fund-raising, which is extremely concealed and deceptive and extremely harmful to society.

Second, the characteristics of the Internet financial disk:

1, the amount of self-owned funds is huge, and individual investors invest in institutional investors instead of direct investment projects;

2. The amount raised is large;

3. High rate of return;

4. Take all risks for individual investors and sign electronic investment contracts;

5. Have a compulsory investment insurance constraint mechanism and sign an electronic insurance contract. Even if all the investment projects fail, the principal of individual investors can be redeemed at 100%;

6. The raised funds shall be raised according to the risk reserve ratio regulated by the state;

7. Pay the risk reserve to the state;

8. Investing in non-trading equity;

9. It has been filed by the National Development and Reform Commission.

Internet finance refers to a new type of finance that relies on Internet tools such as payment, cloud computing, social networks and search engines to achieve financial intermediation, payment and information intermediary.

In financial market transactions, various economic departments and organizations are involved. Financial subjects and financial appendages raise funds from the society by issuing stocks, bonds, funds and equity. Financial subjects are institutions and investors.