Is the collection of tens of thousands of yuan for the elderly worth only a few hundred yuan?

In SOHO Modern City, Dawang Road, Beijing, some cultural companies selling commemorative coins and coins have targeted the elderly.

They coaxed the old people into the company by collecting souvenirs for free, and then made them spend thousands of dollars on some low-value commemorative coins and even currency in circulation through sales promotion.

In the process of sales promotion, the company dispelled the doubts of the elderly in the name of "the currency issuing institution under the central bank", and also promised to help the elderly auction the commemorative coins they bought one year or one and a half later, "doubling the income".

Many elderly people report that the so-called auction is just a cover to attract the elderly to spend money to buy more commemorative coins.

Chaoyang industrial and commercial department said that the sale of commemorative coins by these companies does not belong to the business scope.

According to the regulations, operating beyond the scope can be fined less than 3 times the illegal income, but the maximum amount is not more than 30,000 yuan. Employees of such a company claim that the monthly turnover of coins and commemorative coins can reach 30 million yuan.

Sun Lin, a 65-year-old man, bought some "commemorative coins" in North Wenyaxuan. The actual price of 300,000 yuan commemorative coins is only 20,000 yuan.

The old man was tricked into spending 300 thousand a year on commemorative coins.

Sun Lin, 65, found that spending more than 300,000 yuan on all kinds of coins and commemorative coins that can be appreciated became a hot potato. These "treasures" once treasured in drawers became his "report materials".

It started last September when Sun Lin received a phone call.

"Hello, our company has opened a new company to give back to old customers. There are gifts. Please come and get it. " Hang up the phone, Sun Lin remembered the name of the other company "North Wenyaxuan" and the time when he received the gift. As for what the gift is, the other party didn't make it clear.

On the day of receiving the call, Sun Lin came to Beijing Beiwenyaxuan Culture Development Co., Ltd. (hereinafter referred to as "Beiwenyaxuan Company") located at Room 25 12, 25th Floor, Block D, SOHO Modern City, Dawang Road, Chaoyang District.

Sun Lin said that Du Mou, an employee, gave him a commemorative coin and said, "You can get one every time you come to the company. If you make up 100, you can get 1 000 yuan in cash. "

After that, Du Mou took Sun Lin to introduce the company's various "commemorative coins". At that time, Sun Lin didn't have much trust in this humble company, so he left with a souvenir.

Since then, Sun Lin has often received phone calls and text messages from Du Mou, not only urging him to come back to the company to collect commemorative coins, but also being caring and attentive. When Sun Lin is unwell, he will even "take a good rest and pay attention to his health."

In June 5438+last year 10, Sun Lin came to the North Wenyaxuan Company for the second time and received a commemorative coin again. As usual, Du Mou promoted the company's commemorative coins and promised that the company would help auction these commemorative coins after 1 year to 1 year and a half. There is a lot of room for appreciation, and we have cooperation with many auction companies at home and abroad.

Sun Lin, who doesn't know much about collections and coins on weekdays, listened to Du Mou's words that commemorative coins can appreciate after one year's auction and bought two sets of the fourth edition RMB, each of which cost 2080 yuan. This sale didn't produce any contract or certificate, only a receipt.

In April this year, under the telephone invitation of Du Mou, "The company has new souvenirs", I once again came to the North Wenyaxuan Company. What Du Mou recommended to Sun Lin was a full-page one dollar. "One page is called one, and there are fifty 1 yuan."

Sun Lin said that Du Mou told him that this 1 USD full-page commemorative banknote was of great value and had a high appreciation space. After a year and a half, the appreciation will at least double. In the company's lively music, Du Mou and others took turns to sell to him. He felt dizzy and confused and bought 12 yuan.

When swiping the card, Sun knew that the whole page of "One" was one yuan, which was 4,680 yuan, and 12 yuan was 56 160 yuan. This price made Sun Lin hesitate. Du Mou said: "Don't tell your family yet. As long as the next auction appreciates, your family will not blame you. "

Sun Lin remembered that his son had opposed the purchase of health care products before, and he left this commemorative coin to his family. He said he just wanted to invest and make more money for his son.

On May 8, Sun Linhua bought two sets of 2 yuan full-page commemorative banknotes from Beiwenyaxuan for 37,900 yuan.

In May this year, Sun Lin bought commemorative coins twice in North Wenyaxuan Company, including five 2 yuan full-page commemorative banknotes of 37,900 yuan and 10 set of "perfect commemorative banknotes" of 50,000 yuan.

The so-called "perfection" includes ten Hong Kong dollars with a face value of 10 yuan, ten Australian dollars with a face value of 10 yuan, ten new Taiwan dollars with a face value of 100, and a commemorative banknote of the 50th anniversary of the founding of People's Republic of China (PRC) with a face value of 50 yuan.

Sun Lin said that he had asked Du Mou when he could auction the commemorative coins he bought before, and he was told that if he wanted the company to help him auction the commemorative coins, he had to buy "perfect" products, which were regarded as "entry-level" products. Later, in order to let the company auction for him as soon as possible, he bought two commemorative coins for the 20th anniversary of the establishment of diplomatic relations between China and Ukraine, a set of "wrong coins", eight Zhang Yiyuan commemorative banknotes and two North Korean commemorative coins.

In less than a year, Sun Lin spent 6.5438+0.7 million yuan of pension money accumulated over the years and borrowed 6.5438+0.3 million yuan from friends in order to buy these commemorative coins and coins that can appreciate.

1 On the afternoon of September 1st, my son Sun Cheng found that his father didn't go to the kindergarten to pick up his children from school in time. Upon inquiry, he learned that Sun Lin had gone to Dawang Road to "coin in". After repeated persuasion by his family, Sun Lin finally stopped.

From September to June,165438+1October 4th, Sun Lin still received "invitation calls" from Du Mou, asking him to go to the company to talk about something. Sun Lin knew that the other party wanted to trick him into continuing to buy the "collection", so he simply turned off his mobile phone and ignored it.

2065438+On September 7th, 2007, on the 25th floor of SOHO Modern City, Dawang Road, the staff recommended commemorative coins to reporters.

The lie that 1000 Indonesian rupiah is only worth 0.5 yuan RMB is around 300 yuan.

The inquiry shows that North Wenyaxuan Company was registered on June 22, 20 16, and its business scope includes organizing cultural and artistic exchange activities, technical promotion services, selling handicrafts, daily necessities and stationery. Sales of "coins" and "commemorative coins" are not included.

In September this year, the company was listed in the "list of business anomalies" by the industrial and commercial departments because it could not be contacted through the place of registration or business premises. Its registered address is "No.205, Dongxiaojing Industrial Park, Dongba Township, Chaoyang District, 1 163", and its actual place is in SOHO Modern City, Dawang Road.

On September 7, I contacted Du Mou, an employee of Shangbei Wenyaxuan Company. The other party said, "In order to give back to old customers, you can come to the store to receive gifts worth 300 yuan. There are four options, even if you don't want it in the future, you can change 300 yuan cash. "

In North Wenyaxuan Company, all kinds of commemorative coins and banknotes are placed on a glass booth. There is a book "The Fifth Set of RMB Banknotes of the People's Republic of China" on the booth, which looks a little shabby and loosely connected. In addition to the inspectors, there are three old people in the store, each accompanied by a staff member.

When asked what four kinds of gifts there are, the other party said that there is only one. Then he brought his agent an Indonesian rupiah with a face value of 1000 yuan, which he called 300 yuan. In fact, the conversion of 1000 Indonesian rupiah into RMB is only about that of 0.5 yuan.

The staff claimed that the company is a currency issuer under the central bank, headquartered in Hong Kong, and now this store is the second branch. In order to celebrate the establishment of the new company, we specially cooperated with China Mobile and China Unicom to select some old number segments for gift distribution. The mobile phone number used by the agent has only been registered for four months.

The staff then introduced a variety of commemorative coins in the store, taking the fourth edition of the same banknote as an example. The other party said that there are 5,000 commemorative banknotes with a market price of 3,880 yuan, which have not been officially issued. However, because the company is a currency issuer under the central bank, it can be issued in advance, and the agent can buy it for only 2080 yuan. After a year and a half, the company will organize an auction. "At that time, the value will increase by at least 70%, and we will only charge 6500 yuan.

After expressing my idea of collecting commemorative banknotes, I made an excuse and left. After that, two staff members of the company called many times and said that they could go to the store to see if there were any favorite collections.

On the afternoon of September 20th, I went to the North Wenyaxuan Company again to buy a set of "high-grade" commemorative coins, and was received by a man named Wang Xing. When asked if there is a written contract guarantee for the company to help auction the collection, the other party said that there is no contract. "We just help you contact the auction, and there is no guarantee that the auction will be successful, so there can be no contract."

It recommended a set of "cheaper commemorative banknotes from four places across the Taiwan Straits", which is a "perfect" commemorative banknote purchased by Sun Lin.

It is found that the main way for this company to lure the elderly to the door is to call and say "there is a gift to send". For new customers, the other party will not sell high-value coins, saying that valuable ones can only be bought if they become old customers.

On September 7th, 20 17, the staff recommended a set of commemorative coins to an old man on the 25th floor of SOHO Modern City, Dawang Road, and the walls of the room were covered with samples of coins from various countries.

The actual price of 300,000 yuan commemorative coins is only 20,000 yuan.

According to the survey, the actual value of these commemorative coins worth several thousand yuan is not high, and there is no room for appreciation.

On September 10, many shopkeepers in Madian postal currency card market said that the prices of these commemorative coins were not high after seeing all kinds of commemorative coins purchased by Sun Lin.

In the process of communicating with these shopkeepers, almost everyone can tell Detective No.37 of Major Crimes Unit about some cases cheated by collectible companies.

"The year before last, an old lady came to ask for the price. There are more than one million commemorative coins at home, and few are valuable."

"Last year, a man brought a set of stamps and said he wanted100000. We think it's worth up to 10 thousand yuan. "

Pan Li has been trading commemorative coins here for more than ten years. Seeing that he came to ask for a price with a commemorative coin, he said straight away: "Did you buy it from the cultural company of Dawanglu?" I promise you to take it back after a year and a half, and the price will double by then? "

After receiving a positive reply, Pan Li said that many so-called "collectible companies" in Beijing bought a large number of commemorative coins from the Madian postal currency card market at low prices, packaged them and sold them to the elderly at high prices. "If someone buys a lot of commemorative coins at one time, it is likely to be people from those companies."

All kinds of commemorative coins and coins purchased by Sun are valued at 300,000 yuan, and the value is about 6.5438+0.9 million to 20,000 yuan. Pan Li told the detective, "These coins are real, and they are real when they are worthless."

Among them, North Wenyaxuan sells for a set of "perfection" of 5,000 yuan, and the market price is around 550 yuan; A 4,680-yuan full-page one-yuan commemorative banknote, the market price is around 400 yuan; A 7580 yuan full-page two-dollar commemorative banknote is around 600 yuan, and a set of commemorative coins for the 20th anniversary of the establishment of diplomatic relations between China and Ukraine is 43800 yuan, with a market price of 2000 yuan.

Bei Wenyaxuan sold a set of commemorative coins for the 20th anniversary of the establishment of diplomatic relations between China and Ukraine at a price of 43,800 yuan, with a market price of around 2,000 yuan.

As for the wrong edition of a set of 32,800 yuan banknotes, "it is pure deception, and there is no such thing as wrong edition banknotes." Pan Li said.

Li Pan suggested that the buyer report the case as soon as possible. "There are too many cases we have contacted, all of which are collectible companies, which specialize in deceiving old people and old ladies. Several young people registered a company, ran away in a year or so, and then cheated again in another place. "

Many stall owners in the Madian postal currency card market also said that these cultural companies will also order brochures and collection certificates. Similar to the fourth set of books with the same serial number in RMB collection, 20 yuan, the selling prices on books and certificates can be changed as needed.

Yuan Yinlong, Deputy Secretary-General of Henan Collectors Association and President of Henan Coin Professional Committee, said after appraising the commemorative coins purchased by Sun Lin that the money was real, but its value was not high. People who really collect will not buy foreign currency, which is called "foreign currency garbage" in the industry. "Like them (North Wenyaxuan), this kind of selling method is to make money. If he doesn't dare to sell fakes, it will become fraud. " Yuan Yinlong said that the actual value of commemorative coins purchased by Sun Lin still depends on the market price of local commemorative coins, but judging from the asking price of these companies, it is obviously a "bluff".

Yuan Yinlong suggested that ordinary people should not rush to buy harvest products, and it is not too late to know more and compare before buying. The average annual appreciation rate of coins is 6-8%, one or two cents a day, and some coins don't even appreciate.

2065438+On September 7th, 2007, on the 25th floor of SOHO Modern City, Dawang Road, the staff gave two citizens an Indonesian rupiah as a souvenir after registering their personal information. The value and appreciation space of various commemorative coins are posted on the wall.

"Wrong version of currency" is actually the fifth set of RMB in the 1999 version.

Many old people who buy coins said that they spent a lot of money to buy these "collections" because they heard the staff say that the company was an institution of the central bank. The other is to believe that more benefits can be obtained through auction after one year or one and a half.

On the afternoon of September 20, a staff member of the business management department of the People's Bank of China said that at present, only Beijing Kangyinge Coin Co., Ltd. is the currency issuer under the central bank, and other companies under the banner of the central bank are deceptive.

Regarding the "wrong version of banknotes" launched by North Wenyaxuan Company, the staff said that the so-called "wrong version" of this set of RMB refers to the pinyin without "yuan" after the number in the lower left corner of the back, which is a normal phenomenon. "Adding" yuan "after the number is only available after 2005, and it is not the previous currency."

Yuan Yinlong said that the wrong version of coins means that in the design, after the finished product is printed, it is found that the text or pattern is wrong. 1999 version of the fifth set of RMB should not be misprinted because of the lack of pinyin for "yuan". The actual value of this "misprinted currency" is equivalent to the currency with the same face value. Now some people are collecting these, all because of artificial hype.

Detective No.37 of the Major Crimes Unit found that the "wrong coin" sold by North Wenyaxuan Company was the fifth set of RMB in the version of 1999, and the company sold it to the elderly at a high price in the form of "wrong coin".

In fact, the fifth set of RMB in the 1999 version is still in circulation, and collectors will not buy or sell the currency in circulation. It is also illegal to buy or sell the RMB in circulation.

Lawyers believe that the company sells low-priced commemorative coins to the elderly at high prices, which is suspected of price fraud. Its sale of the fifth set of RMB also violated the relevant provisions of the Regulations of People's Republic of China (PRC) on the Administration of RMB (hereinafter referred to as the Regulations).

The Regulations on the Administration of Renminbi in People's Republic of China (PRC) stipulates that it is forbidden to illegally buy or sell Renminbi in circulation. The sale of commemorative coins shall comply with the relevant provisions of the People's Bank of China. Binding and circulating RMB and operating RMB must be approved by the People's Bank of China.

In violation of the provisions, the administrative department for Industry and commerce and other relevant administrative law enforcement organs shall give a warning, confiscate the illegal income and illegal property, and impose a fine of more than 0 times and less than 3 times the illegal income; If there is no illegal income, a fine ranging from 1000 yuan to 50000 yuan shall be imposed.

The staff of the business management department of the People's Bank of China said that because there are too many people collecting commemorative coins now, banks can't identify individuals. If the buyer feels that the commemorative coins he bought have been cheated, it is best to report the case as soon as possible, and the bank will cooperate with law enforcement agencies for identification.

Regarding the promise of Beiwenyaxuan Company about auction, Yuan Yinlong thinks that these low-priced coins are not eligible for auction at all. He said that at present, the prices of these ordinary coins are relatively transparent and can be bought in the market, and auction houses will not conduct auctions. Only precious coins with high value and actual value of at least tens of thousands can go to the auction house.

In modern cities, cultural companies selling coins gather together.

In SOHO Modern City near Dawang Road, there are many companies like Beiwenyaxuan. According to the interview, there are at least a dozen collectible companies selling coins, which are located in Block B 1 1, 25th floor, C and D floors, etc.

Every morning from 9: 00 a.m. to noon and 4: 00 p.m., in the passage between Block B and Block C, as well as in the square in front and behind, many employees of the collection company either crouch in the corner or stand on the road, and some even sit by the square with a pony.

Each of them has a gift certificate in his hand, but refuses to give it to the young people. Once an old man walks by, they will follow him and put the exchange voucher into the old man's hand. If they see the old people willing to accept the prize, they will take them upstairs. Take someone up. According to the difference between regular customers and strangers, each person has a commission ranging from 8 yuan to 10 yuan.

14 At 2 o'clock in the afternoon of September, Mr. Lin, the old man who came to visit friends near Modern City, was also stuffed with five or six exchange coupons. Later, he went to several collectible companies and exchanged some gifts, including soap, corn flour and other gifts. "Go up and let me buy this and that, at least tens of thousands. I am 82 years old, and my monthly pension is only 3000 yuan. How can I afford these things? "

An old man named Wang Xing once bought a fourth set of rare books with the same RMB number in Beijing Yanwentang Cultural Development Co., Ltd. in SOHO Modern City, and spent 20,000 yuan. Later, he went to the postal currency trading market and found that the market price of RMB he bought was more than 400 yuan. After Mr. Wang realized that he had been cheated, he finally returned 6,543,800 yuan from this company.

The investigation found that this company is also not qualified to trade coins. In August, he was exposed by the media to defraud an old man 1 10,000 yuan in the name of selling the wrong version of banknotes.

On September 15, the detective came to Beijing Yanwentang Culture Development Co., Ltd., 9th floor, Block C, SOHO Modern City. An employee promoted the fourth set of rare books with the same RMB number to the detective, and the price was 2080 yuan. He said it was the first time to buy the price. For example, the detective bought 1 1 set at one time, and the company can help auction it after one and a half years. When the detective asked if there were any wrong coins, the other party was more alert, saying that the wrong coins were more precious and new customers were not qualified to buy them.

When asked to sign a contract to purchase with confidence, the employee said: "The contract is just a piece of paper, and it is useless without your company holding the contract. Our company is headquartered in Hong Kong, qualified and has cooperation with the central bank. "

Some customers who bought the company's coins reported that he spent 27,820 yuan to buy the collection. When preparing for the auction in February of 20 16 16, the company repeatedly shirked and replied that it could only auction the collection of 218,000 yuan. After he bought it, the other party asked for a collection of 65.438 million yuan, otherwise the collection in his hand would only rot.

Upon inquiry, the legal representatives of North Wenyaxuan Company and Yanwentang Company are the same person. There are three other companies under this person's name-Beijing Yicaixuan Culture Development Co., Ltd., Beijing Tianshun Collection Culture Development Co., Ltd. and Beijing Yanwenjiahe Culture Development Co., Ltd., which are located in Block B, Block B, 1209 and Block D respectively.

From the perspective of business scope, these five companies are all "organizing cultural and artistic exchange activities (excluding performances); Technical consultation; Technical services; Sell handicrafts, daily necessities and stationery. " Excluding the sale of "coins" and "commemorative coins".

The staff of Chaoyang Industrial and Commercial Branch said that coins do not belong to handicrafts, and these companies only have the qualification to operate handicrafts, and selling coins does not belong to the business scope.

According to the regulations, those who engage in business activities beyond the approved and registered business scope or mode of operation shall be given a warning according to the seriousness of the case, their illegal income shall be confiscated, and a fine of less than 3 times of their illegal income shall be imposed, but the maximum amount shall not exceed 30,000 yuan. No illegal income, a fine of 654.38+0000 yuan.

Three of these five companies were established between June and July last year, namely Tianshun Library, Yan Wen Jiahe and Beiwen Xuanya Company. The registered capital is 500,000 yuan.

Yanwentang Company was established in June 20 12 with a registered capital of 30,000 yuan. Last year, the company was fined 1 654,38+0,000 yuan by Chaoyang Industrial and Commercial Department for failing to file the case within the time limit.

On the afternoon of September 23, Han, a staff member of North Wenyaxuan Company, also said that the boss has five companies, all of which sell coins and commemorative coins. The company's monthly sales of commemorative coins reached 30 million yuan. Five companies have a monthly turnover of over 100 million.

165438+1At noon on October 4th, when we arrived at SOHO Modern City, we could still see a large number of staff of the collection company distributing gift certificates to the elderly downstairs.

At the gate of a souvenir collection company in Block D, a female staff member sent an old man away and said, "Grandpa, you won't lose money by investing in us."

An old man who is deceived by a liar. I hope relevant departments can get involved!