case 1: shanlin finance
shanlin finance is suspected of being self-absorbed. The investor's money is directly transferred to the company's account by the POS machine, but the company transfers the money to the company of Shanlin controller to invest in the industry, and the money received by the investor every month is transferred from the private account, which is a serious self-financing behavior; The company borrows the new and repays the old, paying high interest rates. Shanlin Finance promised a very high rate of return, but after investigation by the police, it was found that Shanlin Finance's declared investment projects were not profitable, and it repaid the due principal and interest of the previous investors by borrowing new ones and returning old ones. False propaganda to create the image of "too big to fail". The police informed that Shanlin Finance did not hesitate to spend huge sums of money on packaging and publicity, creating a corporate image of "too big to fail" among the people and defrauding investors' trust; The company was punished twice. On July 13, 215, he was ordered to rectify and fined 55, yuan for violating the relevant provisions of the Regulations on the Administration of Company Registration. On December 16 of the same year, he was fined 1, yuan again for false propaganda.
case 2: Tang Xiao monk
Tang Xiao monk's controlling background is mysterious. The executive director and general manager are questioned as agents, and the actual controller has a "mysterious background", and no one has clarified this so far; The platform has no bank depository. Since its establishment in May 215, Tang Xiaoyu has not been deposited in the online bank; "High rebate" has long been famous in the industry. Because wealth management can also return cash, the "wool flow" of the platform is very large; The information disclosure of the platform is poor. Poor information disclosure has always been criticized by people, and the real purpose, repayment source and asset mortgage of the raised funds have not been disclosed. In order to gain the trust and acceptance of investors, they tried their best to put on the cloak of state-owned assets, so there was a fake central enterprise "Ruibao Liyuan" incident.
case 3: lianbi finance
lianbi finance has an abnormally high rate of return. The historical annualized rate of return of the two products of Lianbi Finance "Bell Bao in March" and "Bell Bao in June" reached 1% and 12% respectively, both higher than the market average; The platform is suspected of being self-contained. Investors invest in Lianbi's products, and all the funds flow between Fiji suppliers, including the change plan. There is a great suspicion of self-reliance between Feixun and Lianbi, and the financial situation of Feixun is very bad; Obviously not in compliance. Official website's service agreement states: "The company will not take any responsibility for the authenticity, sufficiency, reliability, accuracy, completeness and legality of the participants in financial product transactions", "The shareholders, founders and employees of the company do not guarantee the authenticity, sufficiency, timeliness, reliability, completeness and validity of the platform content, and are exempted from any legal responsibilities arising therefrom", which obviously violates the compliance requirements. There is no bank deposit. Since its establishment, Lianbi Finance has not been deposited in the online bank.
Case 4: Yatang Finance
Yatang Finance is a well-known P2P platform with high rebate, and the online loan house shows that its reference rate of return is as high as 16.6%; The platform is suspected of being self-contained. If the self-integration of other platforms is still secretive, then Yatang Finance is blatantly self-integrated. Since June 217, a number of targets of Yatang Finance have clearly stated that it is financing for its shareholders or its industries. One of the borrowing targets clearly stated that the loan is financing for shareholders of enterprises in which Yatang Holding Group shares, and the other entrepreneurial target also clearly stated that "the financing project is Yatang Furniture Hall"; The platform has not been connected to bank depository since it was launched.