The specific operation is that a certain number of natural persons (above 10) consume a certain amount of cash to form a "bonus". Then * * * agrees that the "bonus" belongs to someone for a certain period of time. After a certain period of time (such as half a year), the person who controls the "bonus" must give it to the next person who voluntarily accepts it.
As for whether to control the "bonus", it is up to the individual to decide, and it is not mandatory.
The advantage of this: you can get a lot of money in a period of time, but you only need to ensure that you pay a small part in a long time and pay the total amount on time.
Disadvantages: It depends entirely on the personal reputation of each member. Not protected by law.
Legally, "Zuo Hui" has the nature of personal loan.
"As long as you spend more than 30,000 yuan, investors can get an annual return of 16%, without risk or loss." Wan Ding Xingye Private Lending Agency Co., Ltd., a company in Inner Mongolia, is suspected of illegally "absorbing deposits" in Wenzhou under the guise of "building the first brand of private lending in China".
Yesterday, it was learned from Wenzhou Banking Supervision Branch of China Banking Regulatory Commission that the bureau investigated and dealt with illegal financing publicity activities of foreign companies in the name of setting up offices in Wenzhou. This is the first case of suspected illegal financing after Wenzhou issued the Opinions on Strengthening Private Financing Management.
According to the investigation of Wenzhou Banking Supervision Branch, Wan Ding Xingye Private Lending Agency Co., Ltd. in Inner Mongolia was incorporated in April this year. The company's address is Room 3 15, Jiangjun Garden Office Building, Dongku West Street 139, Hohhot (east of China Customs). In May, two staff members were sent to Wenzhou to set up an office.
The reporter obtained the publicity materials of the company. The data shows that Wan Ding Xingye Private Lending Agency Co., Ltd. in Inner Mongolia can "make idle funds get high returns of 6%~24% per year; Starting at 30,000 yuan, the entry threshold is low; 3 months to 2 years. "
After receiving reports from the masses, the Supervision Section II of Wenzhou Banking Supervision Branch sent two staff members to make unannounced visits. It turned out that although the company said it was only an intermediary, the money it got from investors was actually used for the investment of the affiliated company of the same legal person-Inner Mongolia Jingang Real Estate Company. Because the legal representative of the company and Inner Mongolia Jingang Real Estate Company belong to the same person.
According to the relevant regulations of the state, this kind of propaganda is obviously suspected of misleading the public, illegally absorbing public deposits in disguise, and illegally raising funds. The person in charge of Wenzhou office of Wan Ding Xingye Private Lending Agency Co., Ltd. in Inner Mongolia said that there is no business in Wenzhou at present.
At present, Wenzhou Banking Supervision Branch only asks them to stop propaganda immediately, and if they are found to have illegally absorbed public deposits, they will be banned immediately.
The underground money houses in Wenzhou, Zhejiang Province have a history of more than 20 years, and the forms are very complicated, including personal lending, debt or equity enterprise fund-raising, various forms of "doing business", private bill financing, inter-enterprise lending and so on.
Last month, the Wenzhou Municipal Government issued the Opinions on Strengthening the Management of Private Financing, stipulating that the interest rate of private personal loans is more than four times (excluding fluctuations) of the lending rate of financial institutions at the same level in the same period announced by the People's Bank of China, and the interest rate exceeding the part is not protected by law.
Wenzhou municipal government for the first time
Put forward a plan for the "future" of underground banks. The "Opinions" put forward the measures of "even blocking and thinning". On the measures of "blocking", the relevant departments in Wenzhou will continue to suppress the financial "three chaos" and prohibit anyone from opening underground banks. For underground money houses, "once discovered, they will be banned immediately and handed over to judicial organs for criminal responsibility". At the same time, control the scale of the mutual aid association and "resolutely crack down on fraudulent acts such as' lifting the association'".
The person in charge of the Supervision Section II of Wenzhou Banking Supervision Branch said: "There are various means of illegal fund-raising, and they often exaggerate the business projects, commodity values and income they rely on infinitely to defraud or absorb public funds. When the amount of funds absorbed reaches a certain scale, or they fail to fulfill their promises under various excuses, or abscond with money, there is considerable risk. "