In 2018, the P2P lending industry in the country frequently out of danger, the platform closes, investors can not get their money back, the actual controller of the company lost or absconded with the money, investors suffered heavy losses, and many places appeared in the P2P lending platform centralized "mine".
According to the National Information Center on February 15 in its official website released the "2018 annual analysis of the blacklist of bad faith report" shows that, according to the public security organs around the incomplete statistics of public information, in 2018 there are 1,282 P2P platforms have problems, mainly concentrated in Zhejiang, Shanghai, Guangdong, Beijing and other regions. From the amount of money involved in the case, 472 companies involved in the case amounted to more than 100 million yuan, of which the amount of money involved in the case is 500 million yuan and above, there are 30.
P2P online lending platform storm surge, P2P to where? Nandu reporter recently visited Guangzhou, Shenzhen, Foshan, Shanghai and other places, the "mine" of the existence of online lending platform ****, how to recover the losses of investors, the public security organs in the process of filing and investigation of what breakthroughs and other industry experts and investors focus on the focus of the issue of interviews.
Nandu reporter learned from the Guangdong Provincial Public Security Bureau, the provincial public security bureau has 67 P2P network lending platforms headquartered in Guangdong filed a case, investigation and research, monitoring and early warning, crackdown and investigation of a number of P2P network lending platforms, as of November 2018, the public security organs*** recovered 1 billion yuan of funds involved in the case.
The lure of high interest rates, not approved by the national financial sector but to the community to absorb investment money
Shenzhen Public Security Bureau Nanshan Branch in May 2018 filed a case of investigation of "Niu Niu Tongbao" suspected of fund-raising fraud case, the platform to the fictional lease of the company's vending machine can obtain high amounts of money. Vending machines can obtain high returns on the grounds of luring a large number of victims to rent the company's machines. According to the Shenzhen Public Security Bureau, as of the platform "mine", cheating victims *** counted more than 1.16 billion yuan. October 30, the suspect "Niutongbao" actual controller Zhan Moupeng was successfully captured and escorted back to the country, he is also the Nanshan, Shenzhen. "The first P2P platform to abscond overseas is the actual controller of the company.
July 16, 2018, Shenzhen Public Security Bureau Luohu Branch of the Shenzhen "hundred million cat" suspected of illegal absorption of public deposits to carry out criminal investigation, the suspect Wang Moujun in the absence of the approval of China's financial regulators, does not have the qualification of the absorption of public deposits, the use of its actual control of Shenzhen hundred million cat online P2P financial services Co. Ltd. online P2P platform to sell investment and financial products, involving more than 5,000 victims, the suspected amount of 420 million yuan.
On July 27, the Tianhe District Branch of the Guangzhou Municipal Public Security Bureau opened an investigation into the alleged crime of fundraising and fraud by Lide Wealth. The public security organs found that the company's operation of "Lide Wealth" P2P online lending platform, without the approval of the financial regulatory authorities, through the purchase of shell guarantee companies, for borrowers to jade, steel and other pledges or guarantee companies for security, and in the name of the above guarantee companies, in the company set up in the name of the "Lide Wealth". The "Lide Wealth" investment and wealth management platform is listed on the borrowing.
Guangzhou Municipal Public Security Bureau Tianhe District Branch case police told reporters, the platform's outreach guarantee company are its affiliates, are in the name of the company's de facto controller Zheng Mousen, the guarantee company and then through the purchase of shell companies, shell companies in the name of the enterprise to borrow money with the platform. The so-called jade, steel and other prices are seriously inflated, steel are fake, the actual price and the price difference of seven or eight times.
Zheng Mousen after the arrest of the account, in order to win the attention of investors, the company also through endorsement of sports events, large-scale investment in advertising to their own platform, just advertising costs more than 20 million a year.
The company's high interest rate as a bait, to the public sales of financial products. The platform to borrowers to collect account cash management fees, repayment recharge fees, account service fees, the borrower borrowing cost of about 18% -24% annualized, the platform issued a borrowing standard, the lender's annualized return of 8% -12.5% (including red packets, increase interest promotional tools, etc.), the platform in the form of account management fees charged by the lender and the borrower's interest rate difference.
Confirmed by the Guangzhou Municipal Bureau of Finance, as of the case, the platform on behalf of the amount of nearly 1.3 billion yuan, the lender **** there are 17,002 people, the borrower 1581 people.
According to the Guangzhou police report, July 20, Lide wealth company actual controller Zheng Mousen fled overseas. August 1, Guangzhou Municipal Public Security Bureau, Tianhe Branch to suspected of fund-raising fraud on the approval of his criminal detention. The public security organs to develop pre-arrest program, its peripheral people have been investigated, including social relations, life details, personality traits, and the local police department to carry out collaborative cooperation, the evening of September 14, after the Ministry of Public Security "Fox Hunt" working group of the full force of the pursuit, absconding for more than two months in Phnom Penh, Cambodia, Zheng Mousen net.
In Shenzhen, Nanshan Public Security investigated the "House of Investment" suspected of fund-raising fraud case, the platform was established at the beginning of the main operation of the vertical search engine project of the network lending company, the early 2015 launch of the network lending class ETF fund project, the investment in the various P2P platforms, the term of the same combination of claims packaged transfer to investors, extracting 25% of the total return.
Fictitious financial products, forged collateral as the subject matter, the funds were a large number of individuals squandered
In June 2018, Guangdong Province, Foshan City Public Security Bureau, Chancheng Branch of the suspected illegal absorption of public deposits to carry out the investigation of the "Wealth Management Café". The public security organs investigation found that the company involved in the case Foshan City, stable investment management consulting company by renting an Internet company server, set up a "financial curry" mobile software App and website, will be forged real estate mortgage certificate as the subject matter, through the release of false financial products, to the community of unspecified groups of people to publish investment information, and high interest rate to attract investors, claiming to be the daily rate of interest. The company has been able to attract investors by offering high interest rates, claiming that the interest is calculated on a daily basis and can be repaid at maturity.
In the platform of the external financial products announced by the poly wealth wealth, poly enjoy treasure, poly surplus wealth, Friday high interest, poly spring treasure, newbie exclusive, etc., are labeled returns between 8% and 16%. The platform requires investors to download the "financial curiosity" software to register members to choose to buy the product type, according to the period of classification of 3 days, 35 days, 60 days, 180 days, 365 days, etc. The platform also requires investors to download the "financial curiosity" software to register members to choose to buy the product type.
According to the Foshan police report, as of the case, "wealth curry" platform registered users of about 130,000 people, spread across the country in many places. Through the query "wealth curry" App software background data and Tianjin Rongbao payment platform data, the public security organs investigation found that the platform **** absorption of public deposits of about 1.9 billion yuan, a part of the absorbed funds back to the maturity of the investor's investment funds, the other part of the company in the "Tianjin Rongbao" set up intermediary. "The intermediary account set up by the company to transfer the funds were used to invest in real estate, buying and selling paintings and calligraphy, as well as the purchase of personal real estate, insurance, or other accounts through the withdrawal of cash for consumption.
Nandu reporter from the Foshan City Public Security Bureau was newly informed that, as of November 2018, the local public security organs **** received 1424 investors across the country to report information, to the platform can not be withdrawn until the "wealth management curiosity" **** deficit funds of about 320 million yuan. At present, the public security organs temporarily freeze the actual controller of the company, the main culprit Guo Moupeng involved in more than 4.85 million yuan, freezing "Tianjin Rongbao" platform more than 1.7 million yuan, the seizure of 38 sets of real estate, the seizure of real estate total area of 14,428 square meters, seized 22 paintings and calligraphy.
P2P online lending platforms through fictitious financial products, to the community public collection of huge sums of money but was used for personal squandering. In the Shanghai Public Security Bureau Pudong Branch in April 2018 filed for investigation in Shanghai "Shanlin Finance" illegal fund-raising case, the platform to the promise of high returns ranging from 6% to 13% as a bait, through the Internet platform sales of fictitious wealth management products, has to more than 600,000 people illegally absorbed funds amounting to more than 70 billion yuan, and the vast majority of the The vast majority of the fundraising money was consumed in the repayment of capital and interest to the previous investors, and part of the fundraising money was used to pay high commissions, lease luxury office space, advertising and publicity, and other high operating costs and personal squandering.
Zheng Mosen, the de facto controller of Guangzhou Lide Wealth, instructed the financial staff to transfer 30 million RMB from the company's public and personal accounts (where the company controls the use of funds) to the company's non-business-related accounts before fleeing overseas.
Guangzhou Municipal Public Security Bureau Tianhe District Branch of the overseas fugitive brigade police told Nandu reporters, Zheng Mousen will be under the name of the assets, communication tools all cleaned up, from Hong Kong to Thailand, and then smuggled to Cambodia. During the overseas escape, Zheng Mousen in and out of the local casinos, living in a villa, surrounded by people in charge of food and drink.
Industry insiders: business registration threshold is low, relying on hosting services to achieve the landing
Practitioners mixed, absorbing a number of illegal fund-raising, pyramid scheme ex-convicts
July 13, 2018, the Shenzhen Investment House Financial Information Service Co. The company suddenly released a stop business announcement, and within an hour thereafter, the police station under the jurisdiction of the investment house received alarm calls from the "investment house" investment group from all over the country.
"So short a period of time so centralized alarm, police station three alarm phone was broken, an hour received more than 8,000 police, which directly led to a brief paralysis of the receiving platform." The police receiving unit revealed to Nandu reporters. After two days, there were several "investment house" investment groups large-scale short-time centralized reporting. Shenzhen Municipal Public Security Bureau Nanshan Branch then suspected of fund-raising fraud on the Shenzhen "investment family" to carry out investigation.
"House of Investment" business registration information shows that the company's registered address in Shenzhen Qianhai Shenzhen-Hong Kong Cooperation Zone, the scope of business includes the provision of financial intermediary services, financial institutions entrusted to engage in financial outsourcing services, investment management, entrusted asset management.
Some industry insiders revealed that the P2P registration threshold in Shenzhen is relatively low, through the Shenzhen Qianhai Business Secretary Co., Ltd. to provide residential hosting services, even if the enterprise does not have a business address can also be realized directly on the ground, most of the P2P companies do not have a specific office address, there is only the registered place, which also gives the financial supervision and public security precision crackdown brought about by the difficulty.
Nandu reporter from Shenzhen Nanshan Public Security Bureau was informed that, as of the case, the "investment house" platform involves investors 18,000 people, is now in the case of 10 suspects. 27 November, the investment house platform issued a notice, the investment house platform depository account thawed out in September, did not withdraw the user can log in! The platform for account balance withdrawals.
P2P lending funds flow frequently and huge, the flow of funds as the P2P platform risk is also the core of the link, where the money comes from, how to dispose of it after it comes in, how the funds go, how to regulate how to wind control, how to ensure the legitimate rights and interests of investors, are all the reality of the problem in front of us. Some industry insiders pointed out that some P2P companies are their own internal wind control, both as a referee and as a player phenomenon in the industry is not uncommon.
The above industry insiders told the Nandu reporter that the practitioners of P2P lending platforms have a low threshold, some futures company employees do not even have the basic knowledge of the industry, and some P2P companies have only junior high school graduates in the middle and senior management, know little about the company's strategic planning and operation, and even absorbed a number of illegal fundraising, pyramid selling ex-convicts to come in. "A large number of non-professionals infiltrated into the P2P positions, the impact on the financial industry professionalism, security is very obvious."
Guangzhou Municipal Public Security Bureau Tianhe District Branch in the investigation of Lide Wealth Company suspected of fund-raising fraud crime, the company's de facto controller Zheng Mousen, who is the vice president of the Guangzhou Internet Finance Association, Jieyang Chamber of Commerce Executive Vice President, and other various social positions. Zheng Mousen after the net explained that he did not read much, these positions are paid to buy, dating fees a year more than ten thousand, the purpose is to package their own, to the company stand, to attract investors to invest money.
Monitoring and Countermeasures: On-line Financial Risk Early Warning System, Multi-dimensional Accurate Monitoring of High Risk Enterprises
Lending money to finance, private equity, virtual currencies, consumer rebates and so on are the hardest hit by the masses of people prone to be cheated, the criminals with "high returns, low risk" as the bait, through the use of the Internet and the Internet.
In order to crack the financial risk prevention and control problem, the Shenzhen Municipal Public Security Bureau from March 2018, set up a financial risk prevention and control team, in-depth analysis of all types of network financial fraud in recent years on the basis of personnel characteristics, behavioral characteristics and network characteristics, relying on the existing big data platforms and the information technology achievements of the various relevant administrative departments, the research and development launched the " Shenzhen financial risk prevention and control of combat early warning system", referred to as the "deep fusion system", on May 15, 2018, that is, the ninth national public security organs to combat and prevent economic crime publicity day officially online.
"As of November this year, the total number of registered enterprises in Shenzhen is 3.24 million, of which there are 431 P2P enterprises filed and registered in Shenzhen, the deep fusion system is able to monitor the financial risk of these enterprises, set up a corporate background, violations and other 8 dimensions of 26 indicators, the formation of the final quantitative value of points for the risk index, resulting in a red, orange, yellow color! Early warning, of which red represents a higher risk level, each dimension will list the main risk points and radar posture map, such as the company's shareholding, corporate accounts of the capital transactions, how much money to be paid, how much money to be received, how much funding gap, the company's actual business address does not match the registered address, etc.."
South China's financial system can monitor the financial risks of these enterprises.
Nandu reporter learned from the Shenzhen Municipal Public Security Bureau, relying on the huge amount of big data currently available in the deep fusion system, can realize the enterprise financial risk, especially high-risk enterprises in real-time early warning, real-time prevention and control, accurate control, the risk information through the website as well as the App application to the user to pop up the risk of prompts, online countermeasures to remind the masses to identify the risk, resist the temptation of the lawless elements. According to system statistics, as of November this year, the national user clicks on the Shenzhen risk platform website *** pop-up window 21.77 million times, involving more than 6.24 million users.
Public security organs to deal with the case determination: the greatest efforts to recover losses, smooth reporting channels
P2P lending platforms and other related to the crowd type of economic crime to recover losses difficult, involved in the case of the platform in the "mine" at the beginning, often the most agitated investors of high-risk The first step in the process is to make sure that you have a good understanding of what you are doing and how you are going to do it.
"For key cases, the public security organs held regular briefings, focusing on responding to investors' most concerned issues, and instantly pushed the release of the case briefing on the WeChat public number to publicize the progress of the case investigation." Shenzhen Municipal Public Security Bureau Nanshan Branch of the relevant departments told Nandu reporter.
According to reports, as of November this year, only the investment family case has been held 14 times the case briefing, has accumulated in the "Shenzhen Nanshan Public Security" WeChat public number issued 51 times the case briefing, in the investors WeChat group also on the progress of the case in a timely manner to push.
At the same time, in order to ensure the smooth flow of the public reporting channels and demands, the Nanshan Branch opened the official WeChat public registration port to receive investors to register online to report the submission of materials, the masses can also visit the police station or mail the report of materials for registration.
For the P2P lending platform in the region "explosion" concentrated areas, Shenzhen took the lead in the innovative use of "therapeutic" fight. In the Shenzhen Municipal Public Security Bureau Nanshan Branch investigated the "Luminous network" suspected of illegally absorbing public deposits in the case, as of the crime, **** there is a hole of 9 billion. On the basis of ensuring that the platform involved in the case to stop illegal business activities, the public security organs to promote its timely recovery of due debts through a variety of ways to speed up the asset clearance, maximize the recovery of stolen goods and losses, and safeguard the legitimate rights and interests of investors. In the district financial office under the leadership of the government in the name of the platform involved in the opening of the funds of the unified pooling account, a case of a household, the assets with the unified remittance into the pooling account.
As of November 24 this year, *** recovered money *** counted 190 million yuan, and according to the law of the platform associated company Shenzhen Intercity a technology limited company of a batch of equipment seized seizure. The platform company operations manager told Nandu reporter, "this more than 100 million dollars, if the company platform is completely blocked, no one to collect the debt, certainly can not be recovered, the next there is a large sum of money is recoverable, is making every effort to make up for the loss of investors."
Nandu reporter from the Guangdong Provincial Public Security Bureau was newly informed that from January to October 2018, Guangdong Province **** set up crowd-related economic crime cases 1,342, 967 cases solved, of which the Shenzhen Nanshan Branch **** set up crowd-related economic cases 48 cases, involving a huge amount of investment, involving the number of people investing in more than millions of people. In response to the frequent risk of P2P lending platforms, the provincial department has 67 P2P lending platforms headquartered in Guangdong filed a case to recover the funds involved 1 billion yuan.