起底鑫福金品：黄金噱头背后的传销与非法集资疑云

Core Viewpoint - The operation model of Xinfujinpin (Beijing) Jewelry Co., Ltd. is suspected of being a pyramid scheme and illegal fundraising, attracting public attention through promises of high returns and tiered rewards [1][15]. Group 1: Company Overview - Xinfujinpin (Beijing) Jewelry Co., Ltd. was established in November 2024, with a registered capital that increased from 20,000 RMB to 5 million RMB [2]. - The company is registered in Fengtai District, Beijing, but primarily operates in Tai'an, Shandong, without financial qualifications to raise funds from the public [2][15]. Group 2: Operation Model - The investment model requires a minimum investment of 10 grams of gold for 10,000 RMB, promising daily returns at a rate of 0.3% and multiple rounds of dividends based on new performance [3][6]. - The model includes direct push rewards, acceleration rewards, and team rewards, which are characteristic of pyramid schemes, as they rely on recruiting new members for compensation [6][12]. Group 3: Marketing and Promotion - The company promotes its model as a way to turn consumption into wealth, claiming that gold can serve as a form of currency and investment [9][11]. - Promotional events offer additional benefits for purchasing gold, such as extra welfare points, which further incentivize participation [14]. Group 4: Legal and Regulatory Concerns - The company's practices of soliciting funds from the public without approval and promising returns are indicative of illegal fundraising activities [15]. - The structure of the rewards and the emphasis on recruiting new members align with the characteristics of a pyramid scheme, raising significant legal concerns [15][16].