国开行辟谣的“人民资产”是什么？记者实探：号称投资600元80天赚8万元，一位投资人的女儿：劝不住她，警察都拦不住

Core Viewpoint - The "People's Asset" platform is suspected of being a fraudulent scheme that misuses the names of legitimate institutions like the National Data Bureau and the China Development Bank to lure investors with promises of high returns, while actually providing fake financial instruments [1][3][6]. Summary by Sections Fraudulent Activities - The "People's Asset" app is allegedly operated by an overseas team, registered in Cambodia, and has been reported to mislead investors by claiming to have strategic agreements with legitimate financial institutions [5][10]. - The platform has been accused of issuing fake electronic bank acceptance bills to investors, which are not backed by any real financial assets [15][16]. Investor Behavior - Many investors, particularly older individuals, have been drawn into the scheme despite warnings, often due to a belief in the promised returns and a lack of understanding of the risks involved [7][17]. - Some investors, referred to as "lu pan xia" (literally "shear sheep"), knowingly participate in these schemes with the hope of profiting before the scheme collapses [17][20]. Characteristics of the Scheme - The platform operates on a multi-level referral system, rewarding users for bringing in new investors, which is a common characteristic of Ponzi schemes [16][20]. - The app promotes unrealistic returns, such as an investment of 600 yuan yielding over 80,000 yuan in 80 days, which raises red flags about its legitimacy [11][15]. Regulatory Response - The China Development Bank and the National Data Bureau have both issued statements disassociating themselves from the "People's Asset" platform, emphasizing that no such agreements or certificates exist [3][6][16]. - Legal experts have classified the "People's Asset" platform as a typical "funding plate" scheme, highlighting its fraudulent nature and lack of real underlying assets [16][20].