东莞一平台自曝出现挤兑，所签协议刻意遮掩“投资”属性

Core Viewpoint - The article discusses the financial troubles faced by Dongguan Mengda Group Co., Ltd., highlighting a significant "run on the bank" situation where hundreds of users are unable to withdraw their investments, raising concerns about the company's financial stability and operational integrity [3][10]. Company Overview - Mengda Group was established in 2010 and is recognized as a national high-tech enterprise focused on integrated development services, utilizing technologies such as big data, IoT, and AI to create a digital service platform [3]. - The company claims to have over 1 million clients in the plastic chemical industry and an online trading volume exceeding 240 billion yuan, positioning itself among the top 10 B2B platforms in China [3]. Investment Scheme - The investment platform "Liuke Yunbang" offered investors fixed annual returns of 8% to 12%, promoting a perception of safety and ease in profit generation [5][6]. - Investors were required to sign two agreements: a "Distribution Cooperation Agreement" and a "Service Agreement," neither of which explicitly mentioned investment or returns, raising red flags about the legitimacy of the investment scheme [6][8]. Financial Crisis - On October 24, the company acknowledged a cash flow crisis due to a sudden halt in platform operations and significant customer withdrawals, attributing the situation to multiple factors, including a police investigation into money laundering that affected their bank accounts [10]. - The company proposed a "debt-to-equity swap" solution to investors, allowing them to exit their investments through a structured repayment plan [10]. Legal Actions - Investors have reported the company to the police, alleging illegal public deposit solicitation without regulatory approval, which could lead to serious legal consequences for the company [11].