Why are there so many Internet financial scams?

One of the techniques: high interest rate temptation

High-interest temptation is the most commonly used trick of Internet financial online loan fraud platform. In the platform of "running the road", most of them are marked with high returns of more than 24%. Under the temptation of high interest rates, some investors lost their resistance and their speculative psychology increased sharply. Coupled with luck, they frequently "step on the thunder".

Deception 2: the second mark circles money

Because of the short time, high interest rate and fast payment, the second mark was once a marketing weapon for the new platform to attract investors. Jin Rong Venture Capital, an online lending platform, closed one day after its launch. It is understood that "Jin Rong Venture Capital" posted on the forum that during the trial operation, the platform will hold a three-second commemorative event. Sure enough, 0.2 million/200 thousand has been absorbed while running.

The third measure: use the media to promote the momentum.

Publish soft articles on the internet and other media for publicity to attract investors; Then use its own funds to invest circularly, create false prosperity and lure investors to participate; Finally, under the guise of protecting capital and interest, investors are induced to invest in long-term targets, and activities are used as bait to defraud all investment funds and then "run away". Many deceived investors reported that they all saw relevant platform reports on Tencent, Phoenix and other "high-ranking" media websites, and then participated in the investment.

Deception 4: Use search engine authentication to increase trust.

The "running road" incident of Want Want Loan, which has been heated up, has pushed Baidu, the largest traffic portal of online lending platform, to the forefront. At that time, many victims said that the main reason for investing in Want Want Loan was that it had Baidu certification. "Run the Road" network Jinbao also obtained 360 search and sogou search certification.

Deception 5: fabricating a team of professional founders

In the closed online lending platform, some founder teams seem to have a very luxurious lineup, graduated from prestigious schools and worked in large financial institutions, which is regarded as one of the criteria for investment selection platforms. However, some netizens broke the news that the information of Kexun. Com with "running the road" is suspected of fraud, and the introduction of core team members is actually "all pasted from other websites".

Deception 6: packaging into a big city platform

Platforms in Beijing, Shanghai and other places have always been considered more formal by investors, because these local governments have strict management, more media to supervise and more investors to participate. Beijing, in particular, is located at the "foot of the emperor" and is trusted by investors. However, Lawyer Xiao Sa of Dacheng Law Firm said that at present, some fraud platforms have also moved to Beijing, creating an illusion of "doing things at the foot of the emperor", and some just write the website as Beijing and actually operate in other places. Investors should also be cautious in choosing platforms according to regions.

Deception 7: increase trust in an official institution under the guise of it.

In cooperation with the central bank, the funds of all investment users will be fully supervised by the Beijing Branch of the People's Bank of China. Seeing this, anyone with a little financial knowledge knows that this is a scam, because the central bank, as a regulatory agency, can't trust the internet financial online loan funds, not to mention that the central bank has cancelled the Beijing branch. This information can be found online, but many investors who don't know the truth believe what the platform says.

Deception 8: insiders steal from themselves and defraud investors of funds.

At the beginning of this year, some media interviewed the victims of internet finance online loans. Some victims told reporters that the online lending platform she invested in did not declare bankruptcy, but it was difficult to withdraw cash and let them continue to invest in supporting platforms. In the investor exchange group, some people buy their own creditor's rights at a price of 45% off, which is also called "mowing grass" in the industry. According to insiders, this behavior is actually a malicious fraud. After a while, they will open another platform for fraud.

Deception 9: increasing trust in it in the name of a third party

The observation of online loan selection shows that in the platform of "running the road", there is platform information showing that it has won awards from various "high-ranking" institutions. There are also some platforms that promote cooperation with large guarantee companies, and the guarantee companies provide principal and interest protection to increase trust in their platforms. For this kind of credit enhancement, perhaps a phone call can verify whether an institution has given them an award and whether the guarantee company has cooperated with the platform. Doing more homework before investing can prevent such low-level fraud.

Deception 10: All information on the platform is fabricated.

For the fraud of internet finance online loan, this kind of fraud is the worst. Thousands of dollars are used to buy a system, an office space, and some borrowers are fictitious with fake founder identities and fake business licenses. Some even cheat enough money to run, and investors can't find it if they want to find it. They swindle online. In the past, many platforms did not have actual office space.

Ten Skills of Choosing Internet Financial Platform

One trick: carefully review the qualification and scale of the website.

The first thing for investors to choose a platform is to review their basic licenses, including business license, tax registration certificate and organization code certificate. At the same time, they can also inquire whether team members and major shareholders have been executed by the court. The main method is to inquire on relevant government websites and court system websites.

The second measure: eliminate the "moisture" of the cooperation organization

Some institutions call themselves "State Finance" and "Bank of China", and have connections with some state-owned enterprises and listed companies in an attempt to deceive investors. They can directly inquire whether these shareholder companies are related by telephone, and if necessary, they can learn about the borrowing methods from the cooperative institutions as borrowers or directly complain.

The third measure: investigate the exposure of the platform.

The higher the exposure rate, the longer the online search time and positive image of website information in traditional and professional media, the higher the cost and the higher the security. But we should not believe this information, and we should exclude the interference of "soft text".

The fourth measure: check the investment records of venture capitalists.

The platform of venture capital is equivalent to an institution that helps investors to screen, and obtaining investment is conducive to strengthening team building and risk management. The choice of online loans suggests that venture capital cannot be the only indicator. Some high-quality platforms have not received investment, and some platforms will exaggerate the amount of investment and make false propaganda when releasing news.

The fifth measure: from the loan data survey platform

The average loan amount of some problem platforms is obviously too large, even reaching more than 20 million yuan per capita, while the loan amount of normal operating platforms is generally low. If investors see that there are not many borrowers on the platform, but the amount of each borrower is particularly large, the frequency of borrowing is high, and there is no platform with collateral and guarantee measures, they should be extra cautious. Be careful if the enterprise borrows frequently and the amount is large.

The sixth measure: investigate the survival time of the platform.

Less than 10% of the problem platforms can persist for more than one year. Novices can choose a platform with a long history when they don't have enough investment experience, which can greatly avoid the danger of platform closure and running away. But it is not absolute, and the long-term platform may also close down.

Trick 7: Don't invest in a platform with high yield.

At present, the revenue of most platforms 12% is normal. If the income is too high, investors should first think about how borrowers bear such high capital costs and how the platform can find so many borrowers who can bear high interest.

Trick 8: Investigate the loan concentration.

Investors can refer to some third-party reports to understand the loan concentration of the platform, such as Bao Zhong investment. The total loan of former 10 borrowers is as high as 10 billion yuan, accounting for 90%.

The ninth measure: examine the liquidity of funds

The stability of a platform's deposit and withdrawal quota can be used as an inspection index. A platform with very stable daily repayment amount and daily loan balance is more reliable.

The tenth trick: the ultimate big trick, don't be greedy

The ultimate way to avoid being fooled is not to be too greedy.

Selected evaluation of online loans, although some scams of Internet finance are poor, investors are too lucky to find the basic information of some platforms, which is the main reason for their "stepping on thunder". Successful investors must first establish a correct investment concept.