On May 11, the People's Bank of China (PBoC) released the April 2024 Financial Statistics Report. According to the data, compared with the March data released by the People's Bank of China, the mainland's RMB deposits in April decreased by 3.92 trillion yuan. This is in stark contrast to the previous market's preference for bank deposits, and it also shows that residents' enthusiasm for purchasing wealth management products is increasing.
"A gentleman loves money and takes it in the right way"
The most basic manifestation of well-being
It is the satisfaction of material life
Nowadays, more and more office workers and "workers"
They all began to try financial investment
I hope to make my wallet fuller and my life more fulfilling
But while pursuing a better life
Be wary of all kinds of claims that claim "high returns".
Invest in wealth management products or platforms
Don't treat "speculation" as an investment
It gives criminals a chance
Details of the case
Chen set up a trading company, and together with Mao and Guo, through word of mouth, signed a loan contract to absorb deposits from the public from unspecified targets in the society, at a monthly interest rate of 1.2%-2%, and promised to repay the principal and interest when due, and illegally absorbed a total of 22767392 yuan at the time of the case, and most of the fund-raising funds could not be paid.
The court held at trial that the defendants Chen, Mao, and Guo violated the national financial management regulations, and without the approval of the relevant departments in accordance with the law, they disguised the absorption of funds from unspecified targets in the society by promising to repay the principal and interest on time, and the amount was huge, disrupting the national financial order, and their actions constituted the crime of illegally absorbing public deposits, and Chen was sentenced to three years in prison and fined 50,000 yuan, and Mao and Guo were both sentenced to one year and ten months in prison, suspended for two years and six months, and fined 30,000 yuan.
In recent years, I believe you have seen a lot of similar cases, these lawbreakers dressed up as "a certain bank financial product", "a certain wealth management platform" and the like, in a vain attempt to carry out illegal things in a legal form, causing huge property losses to the people, but also brought immeasurable adverse effects on the social and economic order.
What's more, it's still happening now
A form of fraud in the name of "investment and wealth management".
Let's learn about the common tactics used by scammers
In this way, we can see the true face of the so-called "high returns".
Release the bait and wait for the prey
Fraudsters publish fake online investment and wealth management advertisements on online platforms, pull victims into so-called "investment" group chats, pretend to be investment mentors or financial advisors, organize accomplices to play investors in the group, and deceive victims into trusting them by posting fake screenshots of making money or using "live financial courses".
Small rebates, deepening brainwashing
The victim's initial small investment may have a rebate, but once the capital investment is increased, there will be a situation where it will not be able to withdraw.
Multiple transfers, squeezing dry and black
Fraudsters will also ask victims to transfer money for various reasons, until the victim realizes that he has been scammed, and then he will be kicked out of the group chat and blocked.
How to prevent investment and financial fraud
Be wary of high yields
Investors should remain wary of ultra-high-yield investments, do not be blinded by temporary high interest rates, do not believe in "buying and selling" that only makes money and does not lose money, and avoid falling into the trap of online investment and financial fraud.
Beware of strangers
Don't trust the "profit chart" sent by strangers, don't join the "investment group" full of strangers, don't trust the "business license", and don't do "international trading".
Multi-verification for transfers
Do not remit money to unfamiliar personal accounts, and verify whether it is legal and formal when injecting funds into the platform. In the event of fraud, keep the proof of remittance or transfer and report to the police immediately.
Beware of drainage
"Friends" met on WeChat, Douyin and other platforms, recommending stocks, releasing so-called inside information, etc., are all common tricks of scammers, and their ultimate goal is to trick victims into investing on them through illegal financial platforms and phishing websites they have built.
The police reminded
There will be no pie in the sky, high returns must be accompanied by high risks, and even the so-called "high returns" are completely a scam. The broad masses of the people should establish a rational concept of investment and financial management and enhance their awareness of prevention. When choosing an investment method, you should choose an institution with corresponding qualifications, refuse the temptation of high profits, always be wary of the trap of "high returns", and complain and report to the public security department in time if you encounter suspected illegal fundraising or even fraud.