Core Points - The Supreme People's Procuratorate released four typical cases of illegal fundraising crimes, including a case involving a Shanghai-based company that illegally raised over RMB 50.3 billion from the public between November 2009 and December 2021 [1][2] - The company, led by a fugitive, continued to solicit funds even after knowing it could not repay investors, resulting in an unpaid amount of over RMB 15.4 billion [1][4] Group 1: Case Overview - The case involves a group that set up a company without the necessary financial management department approval, promoting retirement and travel-related financial products with guaranteed returns [1][2] - The company operated in multiple provinces, including Shanghai, Jiangsu, Anhui, and Yunnan, and used various marketing strategies to attract investors [1][2] Group 2: Legal Proceedings - The Shanghai Public Security Bureau initiated an investigation in December 2021, leading to the arrest of key individuals involved in the illegal fundraising activities [2][3] - The investigation revealed that certain prepaid cards sold by the company had characteristics of deposit-like financial products, which were deemed illegal fundraising [2][3] Group 3: Charges and Sentencing - By October 2022, the procuratorate charged several individuals with fundraising fraud and illegal fundraising, with one individual accused of defrauding over RMB 3.6 billion [4][5] - In December 2023, the Shanghai court sentenced the main perpetrators to prison terms ranging from nine to sixteen years and imposed fines totaling RMB 5.6 million [5]

转载来源：环球网 文章来源：检察日报正义网 案发后，刘某香销毁公司大量财务数据，导致确定受害人数和金额难度大大增加。面对困局，市南区检 察院提前介入，与公安机关会商，建议综合涉案账户情况以及账户转款数额、时间等规律性重复特征等 情况，认定集资参与人；同时分析公司涉案账户转款情况，对集资参与人提供材料不全，但具有明显返 本付息规律特点的转款，计入犯罪数额。经过上述工作，证实的返本付息规模从最初集资参与人报案的 2亿余元提高至17亿余元，进一步印证了集资款主要用于返本付息而非生产经营活动。 2023年7月，案件移送审查起诉。因该案可能判处无期徒刑，市南区检察院随后移送青岛市检察院。 2024年9月20日，经检察机关提起公诉，山东省青岛市中级法院以集资诈骗罪、洗钱罪数罪并罚，判处 刘某香无期徒刑，剥夺政治权利终身，并处没收个人全部财产；判处李某有期徒刑十六年，并处罚金 330万元。一审判决作出后，二被告人提出上诉。2025年3月3日，山东省高级法院裁定驳回上诉，维持 原判。 另查明，2022年11月，刘某香、李某在被监视居住期间仍不思悔改。为掩饰、隐瞒集资诈骗犯罪所得及 收益，二人将500万元集资款转至深圳市某公司 ...

Group 1 - The core issue revolves around Zhejiang Yongkun Holdings Co., Ltd. (Yongkun Gold), which has faced payment irregularities, preventing multiple investors from withdrawing their funds [1][2] - Yongkun Gold, while officially a jewelry retailer, has engaged in activities beyond its licensed scope, effectively conducting unlicensed gold asset management operations [1][3] - Legal experts indicate that Yongkun Gold may be involved in criminal activities, with the potential for charges related to illegal public fundraising and investment fraud [2][3] Group 2 - Yongkun Gold's investment model has been characterized as a Ponzi scheme, promising annual returns of 12% to 18% through products like "gold savings" and "pre-purchased gold" [2][4] - The company lacks the necessary qualifications to manage gold assets, raising concerns about its operations and the legitimacy of its investment offerings [3][4] - There are significant doubts regarding the actual management of gold assets, including the storage and insurance of claimed gold holdings [3][4] Group 3 - Investors are warned to be cautious of high-return promises, as legitimate gold investments typically correlate with market fluctuations and do not guarantee fixed returns [4][5] - It is advised that investors verify the qualifications and operational scope of investment institutions, particularly those involved in gold asset management [4][5] - Recommendations include avoiding non-regulated investment channels and ensuring that investments do not exceed 20% of household assets, with diversification into safer assets [5]

什么是非法集资？ 非法集资是一种犯罪活动，《刑法》将非法集资解释为非法吸收公众存款罪和集 资诈骗罪。目前社会上高发和多发的是前者，就是非法吸收公众存款罪。非法吸 收公众存款罪在《刑法》上规定是未经有关部门批准，承诺在一定期限内给予出 资人支付高额利息，以还本付息的方式吸收公众存款的行为。还本付息除了支付 货币以外，也有实物形式和其他形式；向社会不特定人群筹集资金是他的一个特 征。这里"不特定的对象"是指社会公众，而不是指少数的特定人；犯罪分子往往 以合法的经营形式来掩盖其非法集资的实质。 近年来，非法集资案件的发案率快速增长，一些机构以"高利息、高回报"为诱 饵，实施非法集资活动，给人民群众尤其是老年人群体造成严重的财产损失和精 神伤害。为了提高防范意识，现在带您了解一下非法集资相关知识，让我们共同 防范非法集资经济犯罪。 面对套路满满的非法集资该怎么办？ Tip 第一，有投资需求的朋友要主动学习相关金融理财知识。看财经类新闻报道，有助于提升自 己对财经知识的掌握程度；关注法治栏目，可以多了解经济诈骗类案件，从他人上当受骗的 经历中汲取教训。 第二，要提高自己识别集资主体资格是否合法的能力。官方网站、企业信息 ...

中国设篇 中国结算投资者教育基地 edu.chinaclear.cn 曾易以投资原始股为 开展非法集资 ○ 内容来源:中国证监会 2019年4月，福建某进出口贸易有限公司涉嫌 以销售原始股为名开展非法集资活动，福州市鼓楼区 公安机关以非法吸收公众存款罪对该司立案侦查。 经查， 2019年2月至4月，福建某进出口贸易有限 公司法人代表人李某伙同程某等人，未经中国证监会 等部门批准,预谋由北京某某联合能源科技有限公司 负责吸引客户、推广非洲Z国首都电力公司的原始股。 该进出口公司以钻石购销方式收取客户投资款，投资 者将投资款兑换成DC币后，再向非洲证券交易所购买 Z国首都电力原始股。上述单位和个人，通过组织路 演宣传、电视和网络媒体报道等方式向社会公开销售 所谓原始股，允诺股票上市后会获得高额收益回报， 吸引各地集资人参与投资，其中大部分资金打入了该 进出口公司的对公账户和被告人李某的个人账户。金 融监管部门发现该线索后，联合公安机关等多部门及 时查处该案，抓获相关犯罪嫌疑人，冻结涉案账户11 个，资金余额合计3.86亿元。 2022年7月，福州市中级人民法院对该案作出 终审裁定，被告人李某、吴某等4人犯非法吸收 ...

Core Viewpoint - The article highlights the emergence of "cloud farming" as a new investment model that combines the internet and agriculture, but warns of hidden traps and scams associated with it, particularly in the form of pyramid schemes and illegal fundraising activities [2][15][20]. Group 1: Overview of "Cloud Farming" - "Cloud farming" includes various online investment schemes such as "cloud breeding" and "cloud planting," which promise high returns with minimal effort [2][15]. - The model allows investors to "adopt" animals or crops online, with the expectation of receiving monthly returns [2][4]. Group 2: Case Study of a Scam - A case study involving a woman named Sun, who invested in a black pig breeding project through an app, illustrates the deceptive nature of these schemes [4][6]. - The app promised high returns, claiming that an investment of 10,000 yuan would yield a profit of 6,000 yuan in 200 days, which attracted many investors [4][6]. Group 3: Recruitment and Payout Mechanism - The company encouraged existing members to recruit new investors, offering substantial referral bonuses, which is a hallmark of pyramid schemes [6][10]. - The app employed a dynamic reward system, where returns were generated from new investors' contributions rather than actual profits from breeding [17][20]. Group 4: Law Enforcement Response - Law enforcement agencies uncovered the scam after a suspicious case involving a farmer attempting to open a bank account in Hong Kong to withdraw funds [8][10]. - Investigations revealed that the app's claims of extensive breeding operations were largely fabricated, with many supposed farms being non-existent or misrepresented [11][15]. Group 5: Regulatory Measures - In response to the rise of such scams, regulatory bodies have issued warnings and are monitoring platforms involved in "cloud farming" to prevent fraudulent activities [18][20]. - A comprehensive monitoring system has been established to analyze potential fraud risks associated with "cloud farming" platforms [18][20].

Core Viewpoint - The Haohuihua platform emerges as a response to the economic downturn, providing a consumption rebate and merchant discount model to attract users and support struggling businesses [1][16]. Group 1: Platform Overview - Haohuihua allows consumers to earn points equivalent to the merchant discount percentage (3% to 20%) during purchases, which can be converted into vouchers for future use [1][4]. - The platform features four user roles: consumers, alliance merchants, star promoters, and regional service providers, each with distinct benefits [3][10]. Group 2: User Benefits - Consumers can earn points for purchases without changing their spending habits and can receive additional rewards for referring new users [4][11]. - Alliance merchants can apply for the platform with a business license and choose their discount rates, benefiting from increased customer traffic and potential earnings through point conversion [6][11]. - Star promoters earn service fee subsidies based on the number of merchants they bring to the platform, with higher earnings for promoting more merchants [8][10]. - Regional service providers can earn a 6% subsidy on the performance of all merchants in their area, requiring a deposit to join [10][11]. Group 3: Financial Mechanics - The platform retains up to 20% of the merchant discount, redistributing 40% of that back to consumers and merchants, potentially allowing for a maximum of 500% in rebates [11][15]. - The distribution of subsidies is contingent upon the platform achieving a 115% increase in total discount performance, with a maximum of 40 distribution cycles [13][15]. Group 4: Business Model Concerns - The sustainability of the platform's rebate model relies on continuous new user acquisition and spending; without this, the promised rebates may not materialize [15]. - The platform's structure raises concerns about potential illegal fundraising activities, as it aligns with characteristics of illegal fundraising schemes [15][16]. Group 5: Company Background - Haohuihua is developed by Hunan Haohuihua Network Technology Co., Ltd., which aims to create a symbiotic relationship between merchants and consumers through data-driven value distribution [16][19]. - The company is led by individuals with previous experience in controversial platforms, raising questions about its operational integrity [19][21].

Group 1 - The article emphasizes the importance of investor protection in the capital market, highlighting that investors are the "cells" of the market and their protection is vital for market vitality [1] - The initiative to establish a National Investor Protection Awareness Day on May 15 aims to promote rational investment culture and strengthen investor protection awareness [1][2] - The article outlines three core objectives: knowledge dissemination, risk warning, and rights protection for investors [2] Group 2 - It discusses the principle of "seller responsibility," where financial institutions must recommend products suitable for the investor's risk profile, and "buyer responsibility," where investors must understand the risks and terms of the products they invest in [4] - The article warns against three typical traps: high-yield investments promising returns over 6%, unverified stock recommendations, and claims of guaranteed returns on non-deposit products [6][7][8] - It advises investors to retain evidence of transactions and communications for at least five years and outlines the channels for seeking redress in case of disputes [9] Group 3 - The article presents three golden rules for rational investment: avoid investing in products that are not understood, refrain from using high-interest loans for investment, and resist blindly following market trends [11] - It encourages the use of official channels to verify product information and ensure the legitimacy of investment products [12]

Group 1 - The investment platform's model of "mailing gold for double recharge to investment accounts" poses multiple legal risks and safety hazards [3] - According to Chinese postal regulations, mailing precious metals like gold without permission is illegal and can lead to administrative penalties [3] - The promise of high returns with low risk contradicts basic economic principles and may constitute illegal fundraising under Chinese law [3] Group 2 - There are operational risks associated with mailing gold, including loss, damage, or substitution during transit [4] - Many of these investment platforms lack the necessary financial business licenses and are not regulated under banking or securities laws [4] - If such platforms fail or shut down, investors may lose both their physical gold and the promised returns, highlighting the importance of reporting suspicious activities to authorities [4]

Core Viewpoint - The article discusses the downfall of Lin Chunhao, chairman of Guangdong Jin Yao Shi Group, who fled to the UK after losing 2 billion yuan and claimed that his business failure was not fraud but rather a personal loss, drawing comparisons to other notorious figures in the investment industry [1][3][16]. Summary by Sections Incident Overview - In April 2025, Lin Chunhao publicly announced his departure to the UK after losing 2 billion yuan, asserting that he did not take any money with him and promising to repay debts in the future [1][3]. - Following the news, many investors reported significant losses, with some claiming to have lost amounts ranging from 30,000 to 6.5 million yuan [3][10]. Background of Lin Chunhao - Lin Chunhao, a member of the Guangdong Chaoshan community, held multiple prestigious titles, including financial doctorate and vice president of the Shenzhen Chaoshan Youth Chamber of Commerce, which contributed to his credibility [5][7]. - The family business began in the 1980s, focusing on electronic components, and later transitioned to finance under Lin's leadership in 2014, aiming to create a large conglomerate [8][10]. Investment Scheme - The Jin Yao Shi Group attracted many middle-aged and elderly investors by promoting high-yield financial products, claiming annual returns of 6% to 9% linked to municipal projects [10][12]. - The company falsely presented itself as a state-owned enterprise and utilized personal recommendations and wealth management courses to draw in funds [10][12]. Financial Mismanagement - Lin claimed that the 1.34 billion yuan raised had been entirely consumed, with his personal losses amounting to 715 million yuan, while the company faced significant operational costs [13][17]. - The group's financial practices were characterized by high-risk investments in P2P lending, virtual currencies, and stock markets, which ultimately led to its collapse [12][17]. Legal Implications - Legal experts indicated that the Jin Yao Shi Group might be involved in illegal fundraising activities, as it raised funds without proper authorization and promised returns [14][16]. - The company’s financial troubles have led to frozen assets and legal actions against its affiliated entities [14][16]. Conclusion - The case of Lin Chunhao highlights the complexities and risks within the investment landscape, particularly regarding the exploitation of trust and the vulnerabilities of older investors [17].