The top ten scams are all P2P scams. The yield over 10% looks beautiful, but what is it?

In 20 16, the public security organs filed more than 10000 illegal fund-raising cases, involving nearly14 billion yuan, of which P2P fraud alone "contributed" a large part. Therefore, P2P scams rank first among the top ten financial scams, not a wave of fame.

Among P2P scams, the most notorious one is the "e-renting treasure" incident. On July 20 14, "e-rent treasure" went online and was seized on February 20 15. It actually absorbed more than 50 billion yuan, involving about 900,000 investors, and the victims were all over 3/kloc-0 provinces and cities in China.

So how can we identify this P2P scam? High interest rate is a common feature of fake P2P. "e-Lease Bao" has launched six products, and the expected annualized rate of return is between 9%- 14.6%, which is much higher than the general bank wealth management products. Secondly, such products have no real logo. When investors have doubts about P2P products, they can investigate the authenticity of the target and understand the authenticity of the platform.

2. "Street Finance": "Take a vaccination and go to another place for a while"

"Aunt, our company is nearby. You can go up for a cup of tea. Let me tell you something about our financial management ... The annualized income of our products is 12%, and there is no risk. " On the street or in front of a large supermarket, a small table is full of publicity pages. Boys in suits and ties will rush to introduce their products when they see elderly people.

Usually, the salesmen of such wealth management companies are more enthusiastic. When investors are brought to their companies, they can also see that such companies are luxuriously and comfortably decorated, which leads investors to misjudge the strength of such companies. But often such companies are inseparable from the result of running away, and the characteristics of "people go to the building" have not changed.

3. Fake "P2G+PPP" project: "government platform" aimed at deceiving the elderly.

In recent years, it is not uncommon for financial scams to "gild" themselves, and they have been tried and tested. Some hold the economist's thigh, and some hold the TV station's thigh. Incredibly, there are even fraud companies that dare to directly hold the government's thigh.

Recently, the concept of "PPP" has been heated up, and fraud companies want to make a fuss about this concept. Huaying Gloria is one of them.

"Batie" project is a "P2G+PPP" project packaged by Huayingkai, connecting with local governments. "PPP" refers to the joint venture between the government and enterprises to build some public welfare projects. Enterprises are responsible for financing construction, and the government is responsible for project establishment, and provides policy guarantee and legal guarantee. Huaying Gloria, under the guise of "PPP", has raised more than 4 billion yuan for the "Batie" project in many places across the country, and announced that the expected annualized rate of return is as high as 12% and the initial investment is 1 10,000 yuan. On July 2, Dongcheng Branch of Beijing Public Security Bureau issued a notice saying that Huaying Gloria Company had been put on file for investigation because of being suspected of engaging in illegal fund-raising activities.

The characteristic of this kind of scam is that the project investors are mostly middle-aged and elderly people, because the elderly are more likely to believe in infrastructure projects that are "government-backed".

4. Spot transaction fraud: "WeChat Beauty" only cheats middle-aged men.

In recent years, fraudulent criminal gangs have been exposed in many places across the country to commit fraud under the guise of trading silver, crude oil, asphalt and other spot.

Murdered investors revealed that under normal circumstances, these swindlers will pretend to be rich young women with beautiful skin and good temperament. These "beauties" are not only beautiful and rich, but also considerate to you ... In fact, the real identity of these "beauties" is "big men", and they will be trained in speech skills before taking up their posts, teaching them how to "seduce" middle-aged male target customers with certain savings.

After these "beauties" get familiar with each other through chatting, they will trick you into investing in the spot, saying that there are "analysts" behind them, and they have earned considerable profits through the guidance of "analysts". Many men will be tempted to throw themselves into it with "beauty".

"I only bought 50 thousand pieces. She told me that now is a good time to open a position. Somehow, my brain increased by 200,000 when I was hot, and I lost all. " A victim investor said.

After investigation by the local public security organs, it was found that most of these spot trading platforms were fake platforms, and the money invested by investors in the so-called disk was not taken for investment, but was taken away after investment. And the so-called disk operation, the operation is only a number, plus the high handling fee of frequent operation, in the end, investors lose everything.

5, online trading scam: it will always make you lose your money.

2065438+June 8, 2007, due to the British general election, there was a gap of more than 200 points in the opening of the exchange rate between the British pound and the US dollar. The exchange rate of the pound against the US dollar fell sharply, which caused all investors' accounts on the IGOFX foreign exchange trading platform to explode and suffered heavy losses.

What is unacceptable to investors is that the "stop loss line" set by the previous platform is ineffective, and even the loss of investors is as high as 90%.