P2P Thunderstorm Survey: 67 platforms in Guangdong have been put on file, and 654.38 billion yuan has been recovered.

In 20 18, the P2P online lending industry frequently went out of danger nationwide, the platform closed down, investors could not get their money back, the actual controller of the company lost contact or absconded with the money, investors suffered heavy losses, and many P2P online lending platforms exploded.

According to the Annual Analysis Report on the Blacklist of Dishonesty in 20 18 released by the National Information Center in official website on February 5, according to incomplete statistics of public information of local public security organs, there were 1282 P2P platforms with problems in 20 18, mainly in Zhejiang, Shanghai, Guangdong, Beijing and other regions. Judging from the amount involved, 472 enterprises involved more than 100 million yuan, of which 30 involved more than 500 million yuan.

Under the storm surge of P2P online lending platform, where will P2P go? Southern Reporter recently visited Guangzhou, Shenzhen, Foshan, Shanghai and other places, and conducted a centralized interview on the key issues that industry experts and investors pay attention to, such as whether the "Thunder" online lending platform exists, how to recover investors' losses, and what breakthroughs the public security organs have made in the process of filing a case for investigation.

Du Nan learned from the Guangdong Provincial Public Security Department that the Guangdong Provincial Public Security Department has put 67 P2P online lending platforms on file for investigation, judgment, monitoring and early warning, and cracked down on a number of P2P online lending platforms. As of 20 1 1.08, the public security organs * * * recovered 654.38 billion yuan of funds involved.

Taking high interest rates as a temptation, but without the approval of the state financial department, absorbing investment funds from the society.

Shenzhen Volkswagen Nanshan Branch filed an investigation on the suspected fund-raising fraud case of "Niu Niu Bao Tong" from 2065438 to May 2008. The platform lures a large number of victims to rent company machines on the grounds that fictitious leasing company vending machines can get high returns. According to the data of shenzhen public, as of the platform "Thunder", the amount of victims cheated was11.600 million yuan. 10/0 On October 30th, the actual controller of the criminal suspect "Niu Niu Bao Tong" Zhan Mopeng was successfully captured and escorted back to China. It is also the actual controller of the first company in Shenzhen Nanshan P2P platform to flee overseas.

On July 65, 1965, at 438+08, Shenzhen Gongluohu Branch launched an investigation into the crime of "101 cats" illegally absorbing public deposits in Shenzhen. The criminal suspect Wang Moujun used the P2P platform of Shenzhen Baiyimao Financial Services Co., Ltd., which he actually controlled, to sell investment and wealth management products, involving more than 5,000 victims, with a suspected amount of 420 million yuan.

On July 27th, Tianhe Branch of Guangzhou Public Security Bureau filed a case against Lide Fortune Company on suspicion of fund-raising fraud. The investigation by the public security organs found that the company operates the P2P online lending platform of Lide Fortune. Without the approval of the financial supervision department, the purchase of an empty shell guarantee company guarantees the borrower with pledges such as jade and steel, and hangs the bid on the "Lide Fortune" investment and wealth management platform established by the company in the name of the above guarantee company.

The police handling the case of Tianhe Branch of Guangzhou Public Security Bureau told Du Nan that the outreach guarantee companies of this platform are all affiliated companies, all under the name of Zheng Mosen, the actual controller of the company, and the guarantee companies will borrow money from the platform in the name of enterprises by purchasing shell companies. The prices of so-called jade and steel are seriously inflated, steel is fake, and the actual price is seven or eight times different from the target price.

After being arrested, Zheng Mosen confessed that in order to win the attention of investors, the company also stood for itself by endorsing sports events and large-scale investment advertisements. Advertising alone cost more than 20 million a year.

The company sells wealth management products to the public with high interest rates as bait. The platform collects account withdrawal management fee, repayment recharge fee and account service fee from the borrower. The borrower's borrowing cost is about 18%-24%. The platform issues the loan target, and the lender's annualized income is 8%- 12.5% (including red envelopes and interest promotion measures). The platform collects the interest difference between the lender and the borrower in the form of account management fee.

Confirmed by the Guangzhou Municipal Bureau of Finance, up to the time of the crime, the amount collected by the platform was nearly 654.38+03 billion yuan, with the lender 65.438+07002 and the borrower 65.438+05.8 1.

According to the Guangzhou police, on July 20th, Zheng Mosen, the actual controller of Reed Wealth Company, fled abroad. On August 1 day, Tianhe Branch of Guangzhou Public Security Bureau approved his criminal detention on suspicion of fund-raising fraud. When making the pre-arrest plan, the public security organs investigate people around them, including social relations, life details, personality characteristics, etc., and cooperate with the local police station. /kloc-On the evening of September, 2004, Zheng Mosen, who had been absconding for more than two months, was arrested in Phnom Penh, Cambodia.

In the case of "investor" suspected of fund-raising fraud investigated by Shenzhen Nanshan Public Security Bureau, the platform mainly operated the vertical search engine project of online loan companies at the beginning of its establishment, and launched the online loan ETF fund project at the beginning of 20 15, investing in various P2P platforms, packaging and transferring the debt portfolio with the same term to investors, and extracting 25% of the comprehensive income. Later, the "Investor" P2P platform was launched to carry out self-operated online lending business.

Fictitious wealth management products and forged mortgage certificates are the subject matter, and funds are squandered by individuals.

2065438+June 2008, Chancheng Branch of Foshan Public Security Bureau of Guangdong Province filed an investigation on the case of "Wealth Management Coffee" suspected of illegally absorbing public deposits. The investigation by the public security organs found that Foshan An Wen Investment Management Consulting Co., Ltd., a company involved in the case, rented the servers of Internet companies, built the mobile phone software App and website of "Wealth Management Cafe", took forged property mortgage certificates as the subject matter, and released investment information to unspecified groups in society by publishing false wealth management products, attracting investors with high interest, claiming to pay interest on a daily basis and repay the principal and interest when due.

The wealth management products published on the platform, such as Juhuicai, Juxiangbao, Juyingcai, high interest rate on Friday, Juquanbao, and exclusive for novices, all indicate that the income is between 8%- 16%. The platform requires investors to download the "wealth management coffee" software, and registered members choose the type of products to buy. According to the time limit, there are 3 days, 35 days, 60 days, 180 days, 365 days.

According to the Foshan police report, as of the incident, the registered users of the "Financial Coffee" platform were about130,000 people, all over the country. The public security organs inquired about the background data of the App software of "Financial Cafe" and the data of Tianjin Rongbao payment platform, and found that the platform * * * absorbed about 654.38+09 billion yuan of public deposits, and part of the absorbed funds were returned to the investment funds of mature investors, and the other part was transferred from the intermediary account set up by the company in "Tianjin Rongbao", and the transferred funds were used for investment in real estate, buying and selling calligraphy and painting, buying personal real estate, insurance or withdrawing money through other accounts.

Du Nan reporter recently learned from the Foshan Public Security Bureau that as of 20 18 1 1, the local public security organ * * received the report information from 424 investors nationwide1until the platform could not withdraw cash, and the "wealth management coffee" * * * had a deficit of about 320 million yuan. At present, the public security organs have temporarily frozen the funds involved in the case of Guo Mopeng, the actual controller and principal offender of the company, for more than 4.85 million yuan, frozen the "Tianjin Rongbao" platform 1.7 million yuan, seized 38 houses involved, seized the total area of the houses14,428 square meters, and seized 22 paintings and calligraphy.

Through fictitious wealth management products, the huge funds publicly raised by P2P online lending platform are used for personal profligacy. In the illegal fund-raising case of Shanghai "Linshan Finance" filed by Pudong Branch of Shanghai Public Security Bureau in April 2065438+2008, the platform sold fictitious wealth management products through the Internet platform, promised high returns ranging from 6% to 13%, and illegally absorbed more than 70 billion yuan from more than 600,000 people. Most of the fund-raising funds were used to repay the principal and interest of previous investors, and some of the fund-raising funds were misappropriated.

Before Zheng Mosen, the actual controller of Guangzhou Lide Wealth, fled overseas, he instructed financial personnel to transfer RMB 30 million from Gong Hu's corporate account and personal account (the company controlled the use of funds) to a company account with no business connection.

Police from the Overseas Pursuit Brigade of Tianhe Branch of Guangzhou Public Security Bureau told Du Nan that Zheng Mosen packed all his assets and communication tools, flew from Hong Kong to Thailand, and then sneaked into Cambodia. During his flight abroad, Zheng Mosen went in and out of the local casino, lived in a villa, and was surrounded by someone who was responsible for eating and drinking.

Insiders: The threshold for enterprise registration is low, and it is achieved through hosting services.

The employees are mixed, and they have absorbed a group of ex-criminals who illegally raise funds and sell pyramid schemes.

On July 3, 20 18, 18, Shenzhen Investment House Financial Information Service Co., Ltd. suddenly announced its closure. An hour later, the police station in the jurisdiction where the Investment House is located received an alarm call from the investment groups of the Investment House all over the country.

"In such a short time, such a concentrated alarm, the three-level alarm calls of the police station were all exploded, and more than 8,000 alarms were received in one hour, which directly led to the short-term paralysis of the police platform." The police receiving unit revealed to the Southern Reporter. In the next two days, the investment team of "Investment House" had several large-scale and short-term centralized reports. Shenzhen Volkswagen Nanshan Branch immediately filed a case against Shenzhen "investors" for alleged fund-raising fraud.

According to the industrial and commercial registration information of Investor, the registered address of the company is in Shenzhen Qianhai Shenzhen-Hong Kong Cooperation Zone, and its business scope includes providing financial intermediary services, accepting financial outsourcing services entrusted by financial institutions, investment management and entrusted asset management.

According to insiders, the registration threshold of P2P in Shenzhen is relatively low. Providing residential custody service through Shenzhen Qianhai Business Secretary Co., Ltd. can realize direct landing even if the enterprise has no business address. Most P2P enterprises don't have specific office addresses, but only registered places, which also brings difficulties to financial supervision and public security.

Du Nan reporter recently learned from Shenzhen Nanshan Public Security Bureau that up to the time of the crime, the "Investor" platform involved investors18,000 people, and now the suspect involved 10 people. 165438+127 October, the investment home platform issued an announcement, and the deposit account of the investment home platform was unfrozen in September. Users who have not mentioned it can log in to the platform to withdraw the account balance.

P2P online loan funds flow frequently and the amount is huge. As the most risky and core link of P2P platform, where the money comes from, how to deal with it after it comes in, where the money goes, how to supervise and control risks, and how to ensure the legitimate rights and interests of investors are all realistic problems. Some insiders pointed out that the risk control of some P2P companies is the internal risk control of their own companies, and it is not uncommon to be both a referee and an athlete in the industry.

The above-mentioned insiders revealed to Du Nan that the threshold for employees of P2P online lending platform is low, and some employees of futures companies don't even have basic industry knowledge. Some middle and high-level P2P companies only graduated from junior high school, and they know little about the company's strategic planning and operation, and even absorb a group of people who illegally raise funds and sell pyramid schemes. "A large number of non-professionals have infiltrated P2P posts, and the impact on the professionalism and security of the financial industry is obvious."

When Tianhe Branch of Guangzhou Public Security Bureau investigated Lide Fortune Company's alleged fund-raising fraud case, Zheng Mosen, the actual controller of the company, was also the vice president of Guangzhou Internet Finance Association and the executive vice president of Jieyang Chamber of Commerce. After being arrested, Zheng Mosen confessed that he had not read many books at all. These positions are all bought with money, paying hundreds of thousands a year. The purpose is to package itself, give the company a platform and attract investors to invest.

Monitoring and countermeasures: online financial risk early warning system, multi-dimensional accurate monitoring of high-risk enterprises.

Loan financing, private equity, virtual currency and consumer rebate are the hardest hit areas where people are easily deceived. Criminals use "high return and low risk" as bait to openly implement online financial fraud through internet websites and mobile apps.

In order to solve the problem of financial risk prevention and control, Shenzhen Volkswagen began to set up a financial risk prevention and control team in March 20 18. On the basis of in-depth analysis of the personnel characteristics, behavior characteristics and network characteristics of various online financial fraud cases in recent years, and relying on the existing big data platform and the information achievements of relevant management departments, the "Shenzhen Practical Early Warning System for Financial Risk Prevention and Control", referred to as "Shen Rong System", was developed and launched in March 2065438+.

"As of June this year 1 1, the total number of registered enterprises in Shenzhen was 3.24 million, including 43 P2P enterprises registered in Shenzhen1. The financial risks of these enterprises can be monitored by Shen Rong system, and 26 indicators in eight dimensions, such as enterprise background and illegal behavior, are set. Finally, the obtained scores are quantified into risk indexes, resulting in red, orange and yellow warnings, in which red represents. Each dimension will list the main risk points and radar situation maps, such as the company's equity, the capital exchange of enterprise accounts, the amount of funds to be repaid, the amount of funds to be received, the funding gap, and the fact that the company's actual business address does not match the registered address. "

Du Nan learned from Shengong that relying on the existing massive big data in Shen Rong system, we can realize real-time early warning, real-time prevention and control, and accurate control of corporate financial risks, especially high-risk enterprises, and pop up risk tips to users through websites and App applications to respond online, reminding people to identify risks and resist the temptation of criminals. According to system statistics, as of June this year 165438+ 10, users across the country clicked on the website of Shenzhen Risk Platform 21770,000 times, involving more than 6.24 million users.

The public security organ's determination to handle the case: try its best to recover the losses and unblock the reporting channels.

Stakeholder-type economic crimes, such as P2P online lending platform, are hard to recover. At the beginning of "Thunder", the platform involved was often the most emotional and risky stage for investors. The public security organs in Guangdong Province focus on information disclosure, unblocking multiple channels of receiving newspapers to ensure that the masses reflect their demands.

"For key cases, the public security organs regularly hold case briefings, focusing on the issues that investors are most concerned about, and immediately push and publish case briefings on WeChat official accounts to announce the progress of case investigation." The person in charge of the relevant department of Shenzhen Volkswagen Nanshan Branch told Nandu reporter.

According to reports, as of June this year, 1 1, only the investor case has held 14 briefing sessions, and 5 1 briefing sessions have been posted on the official WeChat account of "Shenzhen Nanshan Public Security", and the progress of the case has also been pushed in time on the investor WeChat group.

At the same time, in order to ensure the smooth reporting channels and demands of the masses, Nanshan Branch opened the official WeChat official account registration reporting port to receive materials submitted by investors for online registration. The masses can also go to the police station in person or register and report by mail.

In view of the concentrated area of P2P online lending platform "Thunder" in the region, Shenzhen took the lead in innovatively adopting "therapeutic" gameplay. In the case of "Limin.com" suspected of illegally absorbing public deposits investigated and dealt with by Shenzhen Gongnanshan Branch, up to the time of the case, * * * had 900 million loopholes. On the basis of ensuring that the platform involved stops its illegal business activities, the public security organs urge it to recover its debts due in time through various channels, speed up asset liquidation, recover losses to the maximum extent and safeguard the legitimate rights and interests of investors. Under the leadership of the District Finance Office, a unified fund collection account was opened for the platform involved in the case in the name of the government, and the assets were remitted to the collection account at one time.

By the end of this year,165438+1October 24th, * * * recovered1900,000 yuan, and sealed up and sealed up a batch of equipment of Shenzhen Intercity Technology Co., Ltd., a platform affiliated company. The operation manager of the platform company told the Du Nan reporter, "If the company's platform is completely banned, no one will be able to recover the debt, and then there will be a lot of money to recover, and every effort is being made to make up for the losses of investors."

Du Nan reporter recently learned from the Guangdong Provincial Public Security Bureau that there were 1342 stakeholder-type economic crimes in Guangdong Province from 20 18 to 10, and 967 cases were solved, including 48 stakeholder-type economic crimes in Shenzhen Nanshan Branch, involving a huge amount of money and more than one million people. For P2P online lending platforms that frequently go out of danger, the provincial office has filed a case against 67 P2P online lending platforms headquartered in Guangdong, and recovered 654.38 billion yuan of funds involved.