Tips:
The Spring Festival holiday is a day for thousands of families to reunite, and it is also a period of high incidence of illegal fund-raising activities, and some lawbreakers and criminals use all kinds of tricks to carry out illegal fund-raising activities under the guise of high interest, high returns, and low risks. On the occasion of the Spring Festival, the Qingcheng District Non-Governmental Affairs Office has compiled the following knowledge and key points to prevent illegal fundraising, please keep it in mind with your family to help you keep your money bag and spend the Spring Festival with peace of mind!
What is illegal fundraising?
According to the Regulations on the Prevention and Disposal of Illegal Fundraising, illegal fundraising refers to the act of absorbing funds from unspecified targets by promising to repay principal and interest or giving other investment returns without the permission of the financial management department in accordance with the law or in violation of national financial management regulations.
Illegal fundraising must meet the following three elements at the same time:
Illegality:Without the permission of the financial management department in accordance with the law or in violation of the national financial management regulations.
Temptation:Promise to repay debt or other investments.
Social:Absorb funds from unspecified targets.
The main manifestations of illegal fundraising
Illegal fundraising activities involve a wide range of content and various manifestations, and the Regulations on the Prevention and Handling of Illegal Fundraising summarize the following forms:
1.Establish Internet enterprises, investment and investment consulting enterprises, various trading venues or platforms, professional farmer cooperatives, mutual fund organizations, and other organizations to absorb funds.
2.Absorb funds in the name of issuing or transferring equity and creditor's rights, raising funds, selling insurance products, or engaging in various asset management, virtual currency, financial leasing business, etc.
3.In commercial activities such as the sale of goods, the provision of services, and investment projects, funds are absorbed in the form of promises to pay returns such as money, equity, and in-kind returns.
4.Violating laws, administrative regulations, or relevant state provisions, publicly disseminating information on the absorption of funds through mass media, instant messaging tools, or other means.
5.Other suspected illegal fundraising.
Risk prevention tips
The "look and think twice" method to prevent illegal fundraising
Look at the four
To look at the legitimacy of financing, in addition to whether the business license of the enterprise has been obtained, it is also necessary to see whether the relevant financial license has been obtained or approved by the financial management department.
Second, look at the content of the propaganda to see whether the propaganda contains or implies "guaranteed, risk-free, high returns, and guaranteed profits and no losses".
Third, look at the business model, whether there is a physical project, the authenticity of the project, the direction of the funds, the way to obtain profits, etc.
Fourth, look at whether the main body participating in fundraising is mainly for specific groups such as the elderly.
Think again
Think about whether you really understand the product and the market**.
Think twice about whether the product conforms to the laws of the market.
Think twice about whether your own economic strength has the ability to resist risks.
Wait overnight
When encountering related investment fundraising publicity, you must avoid being hot-headed, seek the opinions of family and friends first, and delay the decision for one night. Don't blindly believe in the publicity, acquaintance introduction, expert recommendation, and don't be blindly invested by usury**.
Avoid the "three do's and don'ts" of illegal fundraising
First, be rational and don't take chances
There will be no pie in the sky, and what will fall is either a "trap" or a "trap". We must stick to the bottom line of rationality, think about whether we understand it, compare the risks and whether the risk is greater, see if the income level is realistic, ask your family and friends what they think, and don't be blinded by the gambling mentality and luck psychology!
Second, be steady, don't take risks
High yield means high risk, and it may also be an investment**, and you will lose all your money if you invest once! It is necessary to reasonably assess one's own tolerance, prudently determine the willingness to take risks, and do not take risks!
Third, we must be vigilant and not blind
Rich returns, attractive conditions, rare opportunities, and limited places" are all likely to be fools, we must be vigilant, vigilant, and vigilant! Pay more attention, never listen to the wind is rain, blindly "follow the crowd" investment!
*: China Police Network.
Disclaimer: **This article is for the purpose of conveying more information and facilitating the popularization of law. If there is a ** marking error or infringement of your legitimate rights and interests, please contact Qinghai Law Popularization with the ownership certificate, and we will correct and delete it in time, thank you.