国开行提醒大家防范的“人民资产”是什么？

Core Viewpoint - The "People's Assets" platform is suspected of being a fraudulent scheme that misuses the names of legitimate institutions like the National Development Bank and the National Data Bureau to attract investors [1][2][9]. Group 1: Allegations and Responses - The National Development Bank issued a statement denying any association with the "People's Assets" platform, urging consumers and investors to be cautious [1][2]. - The National Data Bureau also clarified that it has never issued any certificates related to personal data asset ownership, labeling the claims made by the platform as fraudulent [2][3]. - Reports indicate that the "People's Assets" app is registered in Cambodia and is likely operated by an overseas team [1][4]. Group 2: Investor Experiences - Many investors, particularly older individuals, have been drawn into the "People's Assets" scheme, with one investor reportedly investing around 200,000 yuan without seeing returns [3][10]. - The app claims to offer high returns on minimal investments, such as promising over 80,000 yuan in returns for an initial investment of 600 yuan [6][7]. Group 3: App Functionality and Operations - The "People's Assets" app promotes itself as a "data asset confirmation service platform" and requires users to pay fees for converting their data assets into "original shares" [5][6]. - Users are incentivized to recruit others into the scheme through a multi-level referral system, which is characteristic of pyramid schemes [5][12]. Group 4: Legal and Ethical Concerns - Legal experts have identified the "People's Assets" platform as fitting the profile of a "funding plate," a type of illegal financial scam similar to a Ponzi scheme, due to its lack of real asset backing and reliance on misleading claims [9][12]. - The platform has been linked to various fraudulent activities, including the issuance of counterfeit electronic bank acceptance bills that falsely claim to be backed by the National Development Bank [8][9]. Group 5: The Role of "Luo Pan" Participants - Some investors, referred to as "Luo Pan" participants, are aware of the fraudulent nature of the platform but continue to engage with it, hoping to profit before it collapses [10][11]. - This group often operates in secrecy, using social media to promote the scheme while disguising their true intentions [11][12].