How to identify and prevent the six most common fraud methods in P2P?

In the past few years, many lenders have made money through P2P platform. But there are also many people who have lost their money. In jargon, it is called "being struck by lightning". "Thunderstorms" most often occur on platforms that are completely motivated by fraud.

So what are the common P2P fraud methods? How can we try to avoid fraudulent platforms? What should I do if I find that my platform has fraudulent intentions? Let's talk it over with you. In recent years, the tricks and routines of fraud platforms have emerged one after another.

Routine one, high return plus commission

Those P2P platforms that run the road advocate that the annualized income of the project is as high as 20% or more, and at the same time, they will give investors about 3%-7% bidding rewards. For example, the "Tian Li Loan", which appeared in 20 13, used high returns to circle money. Many investors quickly took the bait and illegally raised 50 million yuan in just five months.

Routine 2: Forge the backstage

By forging all kinds of information and pretending that your platform background is loud, you can attract lenders to join.

20 12, youyi loan once claimed that it was an online financing platform under hong kong Yifeng international group, with a registered capital of100000. However, when Youyi ran away with the money, Hong Kong Yifeng International Group quickly denied it and did not assume any responsibility.

Routine 3: Decorate the facade

Many promotional materials are exaggerated, just to attract people's attention, similar to routine 2.

In 20 14, "Central Europe Winton" with 400 million runners not only gained a foreign name, but also set up its office in the high-end area of Beijing International Trade CBD, and set up its own official counters in major supermarkets for promotion, which can be described as infinite scenery, and many investors invested in this "scenery".

Routine four, borrowing local background, aiming at old investors.

Yi Jinbao, launched in June 2007 from 2065438, is a "model" of platforms in Hunan. Platforms in this area have always liked to use local background for publicity. The operation of the platform maintains the old methods of uploading ID cards, recharging offline, and sending Japanese marks and seconds, which is directly scared away by pure novices. Only old investors accept this way, reminding people of what often happens around them. Some people slide into the water, novices are afraid to go into the water to save people, and experienced people are not afraid, so they fall into the water themselves.

Routine five, stealing the beam and replacing the column

20 14' s "zhuozhong loan" closed down, that is, selling dog meat by hanging sheep's head. It "knockoffs" many well-known platforms. For example, the expert consultant it promotes is the same as Renren Loan, and the customer service photos of other platforms are the same. It can be said that we completely rely on copying other people's web pages, attracting investors with PS photos, and then making money to leave.

Routine 6: Use multiple third-party rebate platforms to promote.

The 9 1 investment platform started in June 20 16, and its initial popularity was not high. It became famous by promoting its high-interest sky mark through multiple rebate third parties, and instantly became one of the popular platforms for the whole network promotion. For platforms such as Jindoubao and Smart Investment Co., Ltd., 9 1 Investment Co., Ltd., many investors did not take the initiative to identify and follow the trend because of irresponsible recommendations from third parties, and looked at it completely with the mentality of taking over, and finally took the consequences on 20 18 1.

Through the above typical cases, we can summarize the characteristics of the fraud platform. Be careful if the platform you invest in has one or more of the following points.

1. Create a "lofty" background through various means, and close the net as soon as it is punctured;

2. Deliberately target a fixed investment group, such as the old investors who like the old platform model and the new party who likes to play after one round;

3. Give high returns for a long time, create a slogan of long-term high returns and immortality, and attract more people to play;

4. Look for a large number of referees and promotion channels to create the effect of pushing the whole network, giving people the illusion that the platform is safe in the short term and there is no need to worry about no one voting.

Many investors are fooled by their lack of risk awareness and concern for industry information. There are some risk platforms that are obviously "thunderous" in the industry. Investors can find the early warning information of various forum communities with a little search and query.

When you find that the platform you invest in has fraudulent intentions, you need to make adjustments and remedies as soon as possible:

1. If the bid is short-term, withdraw the cash when it expires;

2. If you invest in a long-term target, you can try to escape by converting the discount into creditor's rights;

3. If the office of the platform is not far from you, you can go directly to the field to see the specific situation, because many fraud platforms have already gone to the building before the accident, leaving several customer service remote operations;

4. If 100% determines that the platform is fraudulent and there is a high possibility of running away, it should organize some investors to report the case directly as soon as possible, control the platform owner in advance, and lock the platform funds.

In today's strong regulatory environment, friends who want to invest in P2P at this time must seriously consider it. You know, just last week, the first P2P platform in China, 12, announced that it had ended its painstaking efforts to operate the P2P industry and transformed into other businesses.