Recently, a brokerage group building organization executives visited Shanghai Qingpu Prison, in the context of high-pressure financial supervision, this behavior may have warning significance, but since it is mixed in the financial circle, it is unknown how many people will really care.
P2P executives visiting the prison
In 2016, the Internet Finance Associations of Shanghai and Shenzhen respectively planned and implemented a number of warning prison visits. Each event was attended by 50 executives from P2P companies who observed prison life and deeply experienced the seriousness of legal sanctions, aiming to warn and warn these executives not to touch the red line of the law.
According to reports at the time, executives from nearly 100 well-known P2P companies in Shanghai and Shenzhen participated, and these executives not only visited the prison, but also experienced activities such as "eating prison meals" and "practicing queues". ”。
Brother Dacai also made a rough statistics, and the P2P participating in the Shanghai event included Dianrong.com, Paipai Loan, Quark Finance, Maizi Financial, etc., and the participants in the Shenzhen event included: Hongling Venture Capital, Golden Axe, Wanying Finance, Qian Dad, Haiju Xinda, etc.
A few years later, most of these institutions have exploded, and most of the visitors at that time may have returned to their old places to experience the real "prison life".
There was a passage in media reports at the time, "Although the prison guards were polite to the executives, Li Sun, the CEO of Wanying Financial, still felt a clear disobedience." ”
As the most experienced representative of the visit at that time, Wanying Financial was also investigated by the Nanshan Public Security Bureau in July 2019 on suspicion of fund-raising fraud.
According to the police report, the "Wanying Finance" platform did not actively cooperate with the liquidation in the process of the government's guidance and benign withdrawal, concealed the whereabouts of funds and assets, and made the liquidation work unable to continue, and filed a case for investigation on Wanying Financial on July 10.
The "porter" of wealth
Brother Dacai has always believed that the financial industry does not create wealth, it is just a "porter" of wealth.
It is the real industry that creates wealth, and only when the real industry is supported can the financial industry have real value.
From P2P to third-party wealth to private equity funds..... Without segregation and supervision, the "porters" handle so much money every day that they have the illusion that it is their own and can be used freely.
When P2P was very popular, a head platform received hundreds of millions or even hundreds of millions of dollars every day, could managers not be in a mood?
Pay a little high wages and splurge a little .... It becomes "taken for granted".
Dig a luxury team with a high salary, buy a plane, buy luxury goods, package a persona, package the company's image, transfer and hide.... Once the capital chain is broken, it is destined to be lost, and the money is squandered.
Is the 2-3% commission because the investor's money has already supported the real industry and created value?
No, the bosses give you high commissions and high wages because you successfully take the money out of the customer's pocket and into his pocket, and he gives you the commission.
Managers of wealth institutions, such as Zhou Bin of Hengtian Wealth, who has an annual salary of 95 million, take a high salary because he creates value for customers?
No, he gets paid well only because they manage to move the client's money out of the client's pocket and into the company's pocket.
The scale of billions and tens of billions is not a reason to pay high salaries, because these money are the principal of customers!
Only creating excess income for customers is the reason to pay high salaries! Of course, you can't rely on taking someone else's principal to give high returns to the people in front, this is a Ponzi scheme.
Seeing a lot of self-media hyping that the employees of a financial institution jumped off the building, tens of millions of mansions are not necessary to sell, with a monthly payment of 5-60,000 yuan, as a financial practitioner, you can expect the risks.
A financial salary cut is definitely imperative!
To put it bluntly, from the perspective of creating value for customers, they are not worth it!
They don't create so much value for their customers, they're just using their customers' principal to pay their employees well!
Why is it always the customer who loses, and the customer who loses after a thunderstorm, that's the reason!
Innovation has broken through the "illegal ceiling"!
Financial innovation is emerging in an endless stream, and the right way should be to focus on empowering the innovation side of the real economy, so that the real economy can create more value to feed back to finance!
However, many so-called "innovators" are innovating around the fundraising side, playing all kinds of new tricks, and defrauding customers' money into their own pockets.
And now the bosses who play innovation, the bottom line is getting lower and lower, the upper limit of fundraising is getting higher and higher, and it is easier, and tens of billions of scales abound.
In the early days, I directly found a reason, what is the large-scale development of the western region, afforestation... Sign a contract, afraid of being cheated by money, this kind of non-absorption trace is too obvious.
Later, what P2P, factoring products, packaged claims into products..... It looks like a compliant appearance, but behind the scenes, it is all about cleaning up customers' money.
Decent companies, rival companies are true, the record is also true, the full set of procedures is compliant and legal, preach to customers, customer verification, no problem.
The only "innovation" is that the debt of 50 million yuan was finally raised 500 million. Most of the previous thunderstorms were like this.
Unseemly companies, rival companies are all their own, make a fake gold exchange, direct and act by yourself, left hand in and right hand out.
These people can obviously deceive, and they will make a PPT for you, don't they look professional. Nowadays, there are many regional fundraising companies on the market that change places with one shot, which is basically the case
You are greedy for his gains, and he wants your principal. If you can't beat inflation, you won't go bankrupt, and most of the bankrupt people are indiscriminately invested!
Billions or tens of billions of dollars are often involved, and at most it is an indefinite period! People in this industry know the law better than customers, but they know how to measure benefits and risks, and the outcome is not worth it!
Some practitioners, who have just been released on bail by the previous company, have turned around and joined a new company to continue to engage in non-absorption, and it is impossible to turn back, and they don't even want to turn back!
Instead of letting them become "good", it is better to keep their money bags!
Source: Wealth Alert