Making Investing Better: Investor Education Series No. 27
【Core Ideas】
1, Sansan Group's asset package model, equivalent to using the franchisee's money to buy their own products, if there is no steady stream of new franchise deposit deposits, the capital pool will soon collapse.
2, a large number of fraud targets are middle-aged and elderly people, they have money and time.
3. Xiaoshan police used big data to nip this case in the bud, which is worthy of recognition.
Hello everyone, welcome to the "Financial Observer", I am Bao Bao, I am Bao Ran. What topics will we talk about in our Investor Education Series today? It is the Sansan Group that uses jade to defraud, how much cat grease is in it?
【News Background】
A few days ago, the Xiaoshan District Branch of the Hangzhou Municipal Public Security Bureau reported that the Xiaoshan police investigated and dealt with the cases of suspected fund-raising fraud and illegal absorption of public deposits on platforms such as "Sansan Baolilai" and "Sansan Yitong Mall" in accordance with the law, and adopted criminal compulsory measures against Wang Wenjun, Wang Wenlan and other major criminal suspects in accordance with the law.
The "secret" of making money is in the sale of special asset packages. "Asset package" is a kind of thing similar to stocks, its corresponding assets are jade of jade tea house, Sansan Baoli to attract players in the way of "unilateral rise, ten times delisting", that is, its original asset package is priced at 3,000 yuan, and then put on the trading platform, when it rises to 30,000 yuan by its affiliates to take over, players must leave 30% of the profits to the corresponding e-commerce platform to consume.
"Sansan Baolilai" entry threshold for account opening fee of 300,000 yuan, while launching an agency model, through franchisees, members and other ways to absorb high costs, there are currently 500 jade tea houses, 2600 Kangmantang, 60,000 franchisees in the country. In 2018, the district-level agent franchise fee reached 660,000 yuan, and the municipal agent franchise fee has exceeded 3 million yuan.
On May 30 this year, the Xiaoshan police in Hangzhou issued a notice to all investors and to the public, saying that they had investigated and dealt with the case of illegal fund-raising fraud and illegal absorption of public deposits on platforms such as Sansan Baolilai and Sansan Yitong Mall in accordance with the law, and that it had taken criminal compulsory measures against its founders Wang Wenjun, Wang Wenlan brothers and other criminal suspects. The amount of its suspected amount is a little smaller than the tens of billions we have talked about in the past, and it is probably now a scale of more than a billion, suspected of 1.7 billion yuan of illegal fund-raising fraud.
It has packaged itself as a Polaroid international jewelry and gemstone trading center. Because it is still a real large-scale e-commerce trading platform, but on the e-commerce trading platform, the main business is such a few things: national jade, all kinds of jade, and then there is national tea, it looks very tall and tall, very cultural atmosphere. But to be honest, the sky is not afraid, I am afraid that the scammer has culture, and after the scammer has culture, he will design a so-called system called structured fraud that is particularly more and more complex for you.
First of all, they said so, saying that we are also called Heshang Baolilai Center, and we will issue a series of such asset packages with jade as the basic target. As we all know, gold has a priceless jade, jade this thing is difficult for you to give it an estimate, a piece of jade may be hundreds of dollars, the stall goods may also be thousands of dollars, and even hundreds of thousands, millions, tens of millions, ordinary people he can not afford to fry jade. But we designed a so-called trading platform mechanism called this, and we logically cut the physical jade in the virtual space and subcontracted it into many asset packages.
What is an asset package? An asset package of 3,000 yuan, it sounds like individuals can invest, the threshold is not high, very low, right? After you buy it, we immediately put it on the platform of our trading center, just like stock trading, let him trade in the secondary market of this kind of trading, and make sure to pat your chest and say: You can rest assured that 3,000 yuan to buy must ensure that you unilaterally rise, must rise to 30,000 yuan in some time in the future, hearing this, to be honest, the number of people who are not moved is estimated to be very small.
You see the first is physical jade, the second is what? He also promised to rise to 30,000 yuan, and then he also promised that once it rose to 30,000 yuan, our trading center would use the market price of 30,000 yuan to buy back the original price of 3,000 yuan of such jade asset packages that users and investors bought.
What do you have to be eligible to buy a jade asset package for $3,000? Save 300,000 first, which is very critical. To be honest, 3,000 yuan can buy a thing, whether this thing is a physical asset, or a split futures asset, or a so-called secondary market can be traded target, why do you let me save 300,000 first? This is one of the cats.
Let's move on. After you deposit 300,000 yuan, the 300,000 yuan is the margin, and the 300,000 yuan of the deposit cannot be taken from the 300,000 when you buy it, and you have to spend another 3,000 yuan to buy the 3,000 yuan of an asset package. You also have a ceiling, you 3,000 yuan an asset package, the future rise ten times can ensure that you buy back cash, you can not buy without principle, how much can you buy? You can only buy 30 asset packages, which means you can spend up to 90,000 yuan. In fact, many people flock to it, 300,000 yuan of the deposit has been deposited, are still afraid of spending more than 90,000 yuan? Immediately spent 90,000 yuan again.
A single user has invested 300,000 yuan in the deposit, plus 90,000 yuan in the purchase cost of the asset package, the 390,000 words, the platform first got 90,000 yuan, right?
Because you spent 90,000 yuan on it to buy an asset package, and then claim that you can rise in the future, you spend tens of thousands of dollars in the future can rise tenfold, you can also rise to 900,000 yuan, of course, this is virtual, claiming to be able to rise to 900,000 yuan.
So 900,000 yuan minus your cost of 90,000 yuan, that is, your profit is 810,000 yuan, of which 810,000 yuan is 30% according to its regulations? 243,000 yuan to enter its own e-commerce system of circular consumption, the remaining 567,000 yuan, at this time can be carried out, 70% of the profit users can be withdrawn.
We first said that your consumption of more than 200,000 yuan, after empirical evidence, in fact, you can indeed buy a lot of things, but its price is much more expensive than the general e-commerce platform and even the general offline shopping malls, which means that this money earns a large part of the profit. If you can reach this cycle, someone must have taken over your asset package from 3,000 yuan to 30,000 yuan, right? In this way you can get the so-called 900,000 yuan of value-added income equivalent.
But who exactly did we take over? Then at this time, it is actually a deposit of 300,000 yuan paid by each franchised user to form a pool of funds. Do you understand? Everybody for me, I'm for everyone, a hundred people are in, a hundred people each paid 300,000, which is 30 million, take this 30 million pool of funds to buy back every asset package that has risen tenfold in the so-called secondary trading platform, in fact, it is to take everyone's money to buy everyone's own so-called one rise, which will never last, right? Equivalent to a few of us putting together the money to buy the capital in our own hands seems to have risen tenfold, then the problem here is that if there is no steady stream of subsequent new users to join the deposit, the capital pool will soon collapse.
"Sansan Baolilai" and "Sansan Yitong Mall" belong to the brands of Sansan Huaming Group, mainly controlled by Wang Wenjun and Wang Wenlan, and their industries are: Kang Man Tang, Jade Tea House, Sansan Bao Li Lai, San San Yi Tong Mall Platform, etc.
Under the asset package model, the user needs to pay a franchise fee of 300,000 yuan at the beginning, and at the same time invest 90,000 yuan to purchase an asset package worth 3,000 yuan, and at the beginning of the payment of 390,000 yuan, and after nearly 1 year, if the asset package is successfully delisted, the actual profit is 177,000 yuan, with an annualized yield of 45%. The 900,000 yuan of the takeover is likely to be the franchise fee of three other users, that is to say, the Polaroid platform actually has to pull 3 people to "join" in order to make the platform operate normally, otherwise it will lead to a break in the capital chain.
In this mode, the user is actually earning the franchise fee for the new user. Sansan Huaming Group not only signed Fan Bingbing as the brand spokesperson of Yuchafang, but also involved in the film and television industry and participated in the production of movies.
Sansan Huaming Group's industry has Kang Man Tang (Traditional Chinese Medicine Health Products), you think it is generally like this, drinking tea, playing with jade, health maintenance, this is a line. Jade tea house, which is jade and tea leaves. "Sansan Baolilai" just now we said this kind of trading platform, "Sansan Yitong Mall" This is for you to spend in it, and 30% of your profits must be forced to stay for consumption.
Yuzi Chunqiu is also playing with jade, and they have engaged in a large number of offline agents, the scale of the jade tea house, the scale of the agent store is as high as more than 500, the county-level agent of Kangmantang District is more than 2,000, and the store-in-the-shop, such as the store-in-the-shop counter in the big shopping mall, is more than 30,000.
Why? Because a large number of his fraud targets are middle-aged and elderly, and many middle-aged and elderly people, especially retired elderly people have a lot of time to visit the mall, or a lot of time to consult and inquire, whether it is health and health, or some cultural collections, because there is time, there is also a lot of spare money in hand, but also hope to have a value preservation and appreciation, for their old age to bring a financial security.
He just grasped the psychology of these people, met the needs of these people, and then at the same time pit these people's cash, the funds in their hands. That's his complete system, and it's not uncommon in the series of investor educations we've done in recent times.
The value and price of any piece of jewelry and jade is very uncertain, right? We say that the prosperous world buys jade, the chaotic world stores gold, gold is hard currency, but jewelry, jade, calligraphy and painting these things, its price system fluctuations are very large, any jade if it leaves the appraisal of the official authority, its price can not be measured at all, right? Do you say he's A or secondary or b? None of this can be measured.
The concept of the problem is: every friend and investor who has purchased these so-called jade asset packages, they don't know what level they are buying, the real physical objects can not be seen at all, because this is a kind of virtual futures trading, if the so-called value of 3,000 yuan each of the individual capital packages they provide, the physical assets of the jade it points to are fake, or almost worthless industrial scrap materials, then to tell the truth you 90,000 yuan 30 capital packages, Asset packages are completely worthless.
Some of the models they designed, they cashed out the money in our hands, and in order to complete this cash-out, he must let everyone feel that this platform can flow, the model can be rotated, and it can be operated. We see good guys! Its company has also registered a lot, Three Three Huaming, Three Three Easy Pass, Three Three Planning, Jade Tea House and other companies in this series, you see the design of the web page, the design of the introduction, are very cultural and literary, are very tall on these things.
Take these as tricks, and then he will spend a lot of money and endorse them in the form of celebrity endorsements. We all know that recently there was a star who was very back-to-back, and was repeatedly named by Xiao Cui, who was called Fan Bingbing. And Fan Bingbing, according to all our public information, she is the spokesperson for the signed products and platforms of Sansan Group, and not only signed once, signed twice, and now she is still in the contract period.
So an artist like Fan Bingbing, to tell the truth, if we only talk about the matter in this case, I think her agent is really in the water, don't you carefully examine it: when others pay money, you must speak for it?
Finally, their propaganda strategy is also very tall. They are constantly entering the film and television entertainment industry, and last year they also shot a second film, and they are very keen to collude with their so-called cultural products and cultural works and cultural industries in the film and television industry, and these industries, to be honest, what is it essentially? It looks very glamorous, but in fact, the volume is not large, but the cash flow is unusually frequent.
Here we must praise one person, praise an institution, that is, our Xiaoshan police in Hangzhou. In fact, such a case, such a fund-raising fraud and illegal absorption of public deposits suspected by the Sansan Group, he did not say that it was brewed to a considerable extent before it broke out.
We all know that any such illegal absorption of public deposits and fund-raising scams, once it occurs, makes the damage already happen. In the case where such a loss and injury has already occurred, of course, the more timely the situation is discovered, the better, and the sooner the situation is contained, the better. We see the collapse of many platforms, this or this, in fact, it is derived from its own capital chain has been completely unable to withstand such internal circulation and extracorporeal circulation, which is naturally impossible, it will automatically explode.
But at that point, all the investors were lost. And our Xiaoshan police's concept is to nip this type of case in the bud as much as possible, to kill it at the time of its initial danger, so what to do at this time? They actually use a lot of big data for such a monitoring system.
For example, the clues of their cases in the Sansan Group like this time are from a timely report from the Hangzhou branch of the People's Bank of China in accordance with the prescribed rules. That is to say, in the short term, their three-three e-mall precipitated 1.7 billion yuan of such funds, which is a very terrible thing.
Because for a newly established company, or a new e-commerce platform, and there is no reputation, so quickly precipitated such a amount of funds, then this will definitely trigger the alarm threshold in the relevant big data model, once the alarm threshold is reported, then the police will intervene in a comprehensive trial, a comprehensive investigation, an investigation, we all know that the sun can not hide the shadow, all the horse's feet are exposed, so that this case can be discovered in time, To avoid it sliding into the abyss and space where the damage loss is greater, so I am really a person and a bag, and I want to praise the Xiaoshan police for using the big data system and using our crime prevention mechanism.