Personal advice:
The intelligent starfish itself is not a formal APP, because although this APP has financial attributes, it has not been filed by the relevant industry and commerce. At the same time, there will be many money plates and pig killing plates on the Internet. Users must learn to distinguish these investment contents, and it is best not to blindly participate without understanding.
For users themselves, users need to control their own principal risk before they can talk about the so-called investment problem. Wisdom Starfish claims to be the core service of Zhoushan Starfish Shipping Co., Ltd., but many users said they were cheated.
Techniques for identifying illegal fund-raising:
1. Look at the income. Compared with the interest rate of bank loans and the yield of ordinary financial products, the obviously high return on investment is likely to be an investment trap in most cases.
2. Look at the license plate. See if the financial license of the relevant financial supervision department is placed in its business premises. Just having a business license does not mean that the company can raise funds. Any company, even if its name or business scope contains the words "finance", "investment" and "wealth management", shall not engage in financial business such as deposit taking, financing guarantee and wealth management on behalf of customers without the approval of the financial supervision department, and shall not absorb funds from the public in any name.
3. Learn knowledge. To master the necessary financial knowledge, read the relevant contract terms carefully, and don't trust the oral propaganda of the agent. We should correctly judge the risk and not be tempted by the so-called high return.
(1) Relevant provisions of the Criminal Law of People's Republic of China (PRC):
Article 176 The crime of illegally absorbing public deposits stipulates that whoever illegally absorbs public deposits or absorbs public deposits in disguised form and disrupts financial order shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also, or shall only, be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan.
If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.