Core Viewpoint - The article highlights the increasing prevalence of illegal fundraising schemes targeting the elderly, particularly through the use of high-tech concepts like blockchain and virtual currencies, which exploit the vulnerabilities of approximately 280 million elderly individuals in China [1][2][9]. Group 1: Illegal Fundraising Tactics - Criminals are utilizing high-tech jargon such as "blockchain" and "virtual currency" to lure elderly individuals into investing under the guise of providing retirement services [2][9]. - A case from 2018 involved a defendant who raised over 22 million RMB by promoting a project called "Cloud Storage Chain," falsely claiming it had international trade capabilities and promised high returns [2]. - Another scheme involved a "cloud farming" project that falsely advertised ownership of livestock, leading to over 500 million RMB in illegal fundraising [3]. Group 2: Psychological Manipulation - Fraudsters often present themselves as caring and trustworthy, using tactics such as free gifts and social activities to build rapport with elderly individuals [6][7]. - A notable case involved a company that promised annual returns of 8% to 36% while misleadingly portraying its operations and services to attract investments exceeding 10 billion RMB [6][7]. Group 3: Regulatory and Preventive Measures - Authorities emphasize the need for early identification and reporting of illegal fundraising activities, encouraging the public to be vigilant and skeptical of high-return promises [10][11]. - The article mentions the introduction of a reward system for reporting illegal fundraising activities in Jiangsu Province, aiming to enhance public awareness and participation in prevention efforts [13].

Core Points - The article highlights the risks associated with private equity fund advertisements that violate regulatory requirements, indicating potential fraud [3][4] - It emphasizes the importance of ensuring that only qualified investors, who meet specific financial criteria, participate in private equity investments [3] - The article warns against the dangers of illegal fundraising schemes masquerading as private equity funds, which can lead to significant financial losses for investors [3] Regulatory Compliance - Private equity funds are prohibited from advertising through public media such as television, newspapers, and radio, as per the Securities Investment Fund Law of the People's Republic of China [3] - Qualified investors must have personal financial assets of at least 3 million yuan or an average annual income of 500,000 yuan over the last three years, or a net asset of at least 10 million yuan for institutions [3] - The compliance process for legitimate private equity fundraising includes specific procedures such as identifying target investors, matching investor suitability, and disclosing risks, which cannot be achieved through television advertisements [3] Investor Protection - Investors are advised to verify the registration information of private equity funds through the official website of the China Securities Investment Fund Industry Association if they encounter advertisements through informal channels [4] - It is recommended that investors consult legitimate financial institutions to understand investment products and avoid financial losses due to misleading promotions [4]

Core Insights - The rise in virtual currency assets in the past year has attracted many domestic investors, leading to illegal fundraising activities and money laundering schemes that harm citizens' property rights [1][2]. Case Observation - A case in Xi'an, Shaanxi Province, involved illegal fundraising and money laundering through virtual currency from July 2018 to September 2021, where the accused misled investors with promises of high returns [3]. - The accused provided financial accounts to facilitate the transfer of criminal proceeds and assisted in purchasing assets, which were later sold to launder the money [3]. Case Analysis - Criminals exploited the recent popularity of virtual currencies to conduct illegal fundraising, taking advantage of investors' lack of knowledge in this area [4]. - The laundering process involved converting illicit funds into legitimate assets through complex transactions, making it difficult for victims to recover their losses [4]. Practical Tips - Money laundering involves disguising illegal income to make it appear legitimate, with criminals using various unexpected methods to target individuals' finances [5]. - To prevent falling victim to such schemes, individuals are advised to protect personal information, regularly update passwords, and inquire about investment qualifications and risks [6].

购买旅游项目就能获得高额返利，这样吸睛的旅游项目其实是非法集资的诱饵。近日，河南省洛阳 市老城区检察院办理了一起专盯中老年群体，非法吸收公众存款的案件，岑某等10人被依法提起公诉。 2023年5月，家住洛阳的李奶奶和老伴参加了某国际旅行社有限公司组织的短途免费游。旅游期 间，工作人员将李奶奶夫妇照顾得无微不至，取得了二人的信任。旅行快要结束时，工作人员向他们介 绍了一款"花钱买线路、到期返本息"的"旅游权益包"。 "叔叔阿姨，我们的'旅游权益包'有三种，购买3万元旅游卡可以赠送8袋海参，购买5万元赠送16袋 海参，购买10万元赠送36袋海参。协议期内不仅有利息，期满后如果您还没去旅游，我们会全额归还本 金并返送海参，海参也可折现……"在工作人员的宣传和诱惑之下，李奶奶夫妇花费6万元购买了旅游项 目。然而，没过多久，不仅旅行时贴心的工作人员再也联系不上，对方承诺的海参和本金也不见了踪 影。 经查，岑某等人通过虚构高回报旅游投资项目，两年间非法吸收资金6751万余元。2024年12月，公 安机关将该案移送老城区检察院审查起诉。 因该案涉及被害人较多，为准确认定犯罪数额和涉案人员获利情况，该院督促公安机关及时发布公 ...

Core Viewpoint - The article discusses the collapse of a fraudulent investment scheme led by Lin Chunhao, chairman of Jinyu Key Group, who fled to the UK after admitting to losing 2 billion yuan and claiming he did not take any money with him [3][22]. Group 1: Company Background - Lin Chunhao, a prominent figure from Guangdong Chaoshan, held multiple prestigious titles, including a member of the Political Consultative Conference and a financial PhD, which contributed to his credibility [9][12]. - The Jinyu Key Group was established in 2014, transitioning from a family business in electronics to a diversified conglomerate focusing on finance, internet, and real estate [12][13]. - The company claimed to manage a government fund and was involved in various infrastructure projects, creating an illusion of a state-owned enterprise [13][20]. Group 2: Investment Scheme Details - The investment strategy involved high-yield financial products, promising annual returns of 6% to 9%, which attracted many elderly investors through personal recommendations and wealth management courses [15][19]. - The company misrepresented its investment products as government-backed, leading to significant financial losses for investors when the scheme collapsed [20][22]. - Lin claimed that the funds raised were mismanaged and lost in high-risk investments, including P2P lending and cryptocurrencies, rather than being used for legitimate projects [22][29]. Group 3: Investor Impact - Thousands of investors, primarily from Guangdong, reported substantial losses, with some individuals losing up to 6.5 million yuan [5][22]. - The fallout from the scheme has led to widespread distrust in financial institutions among ordinary investors, particularly the elderly [5][30]. - Legal experts indicated that the actions of Jinyu Key Group could constitute illegal fundraising, as they promised returns without proper regulatory approval [22][30].

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, claiming business failure rather than fraud, which has left thousands of investors in financial ruin [1][10][13]. Group 1: Company Background - Jin Yao Shi Group was established by Lin Chunhao, who took over the family business in 2014 and aimed to transform it into a large-scale international conglomerate integrating various industries [5][6]. - The company was known for its high-interest investment products, often marketed as "government-backed" projects, attracting many middle-aged and elderly investors [7][9]. Group 2: Investment Scheme and Collapse - The investment scheme promised annual returns of 6%-9% through municipal engineering projects, which were falsely claimed to be associated with state-owned enterprises [7][9]. - Lin Chunhao's public letter revealed that the company had consumed 1.34 billion yuan in investment funds, with Lin himself losing 715 million yuan [10][14]. - The company’s financial practices were characterized by high-risk investments in P2P lending, virtual currencies, and stock markets, leading to significant losses [10][14]. Group 3: Investor Impact - Many investors, particularly elderly individuals, reported substantial losses, with some claiming to have invested amounts as high as 6.5 million yuan [1][2]. - The collapse of Jin Yao Shi Group has raised serious concerns about investor education and the risks associated with high-yield investment schemes [14].

Core Viewpoint - The financial troubles of Jinkey Group have led to significant losses for investors, with the chairman admitting to investment failures and the company facing investigations for illegal fundraising activities [1][3][9]. Group 1: Company Overview - Jinkey Group, founded on February 25, 2014, operates in various sectors including municipal engineering, financial investment, and internet technology [10][11]. - The company has expanded its operations across multiple regions in China and internationally, with a focus on high-yield investment products [10][11]. Group 2: Investment Products and Strategies - Investors were attracted to Jinkey Group's high-yield investment products, which promised annual returns between 6% to 9% [4][6]. - Many investors were initially introduced to the company through financial education courses, later being persuaded to invest in municipal engineering projects [2][6]. Group 3: Financial Mismanagement and Losses - The chairman, Lin Chunhao, reported total fundraising of approximately 1.339 billion yuan, with operational costs exceeding 2 billion yuan, leading to the depletion of investor funds [9]. - Significant losses were attributed to various failed investments, including bad debts from lending, P2P platform failures, and losses in stock and cryptocurrency investments [8][9]. Group 4: Legal and Regulatory Actions - Investigations into Jinkey Group have been initiated by local authorities, with reports of multiple investors filing complaints regarding their losses [3][5]. - The company is currently under scrutiny for potential illegal fundraising practices, with law enforcement agencies involved in the investigation [3][5]. Group 5: Investor Sentiment and Market Context - Many investors expressed disbelief regarding the company's investment claims, particularly the unrealistic returns promised in a short timeframe [7][13]. - The prevalence of financial scams in economically developed regions has been noted, with experts suggesting that high returns often lure investors despite regulatory warnings [13].

Group 1 - The chairman of Golden Key Group, Lin Chunhao, claimed in an open letter that he has fled abroad due to investment failures, indicating that investors' funds are likely lost [2] - Investors reported that some had invested amounts as high as 700,000 yuan, but the platform collapsed within two months, leading to significant psychological distress [2] - Golden Key Group operates in various sectors including industrial, financial investment, and internet technology, with a history of expanding its business across multiple regions [2][11] Group 2 - Many affected investors are located in cities such as Shenzhen, Zhongshan, Guangzhou, and Foshan, with most having been introduced to the company's products through friends and relatives [2][8] - The company’s office in Zhongshan was found locked and unstaffed, suggesting operational issues [3] - Local authorities, including the Shenzhen Economic Crime Investigation Team, have initiated investigations into Golden Key Group following numerous investor complaints [4][8] Group 3 - The investment products offered by Golden Key Group promised annual returns between 6% and 9%, with investment terms ranging from 3 to 36 months [5][9] - Investors reported that the initial engagement often involved attending financial investment courses, which later led to high-yield investment offers [8][9] - The company has been linked to a project management firm, Shenzhen Haibo Xin Project Management Co., which is closely associated with Golden Key Group's operations [6] Group 4 - Golden Key Group was established in February 2014 and has expanded its operations to various regions, including international markets [11] - The company claims to have a diverse portfolio, including municipal engineering, new energy, health management, and internet technology [11] - Lin Chunhao, the chairman, has a background in business management and finance, and has held various prestigious positions in the industry [14] Group 5 - Economic experts suggest that the prevalence of financial scams in developed regions is partly due to the high number of investment opportunities, which can attract fraudulent schemes [16][17] - The rapid advancement of internet technology has also made it more challenging for individuals to identify fraudulent projects [17] - In a "familiar society," scams propagated through acquaintances can lead to higher susceptibility among victims [18]

黄女士投诉后，沈阳当地市场监管部门回应称，该商贸行并未实地经营，已列入异常名录。黄女士认为 的"国旅悦览行"为"中国国旅"旗下账号，也被国旅官方辟谣。 五一假期临近，大众出游心切，直播间"999元双人游全国"的旅游卡火热售卖，但成都的黄女士却陷入 维权困境。去年底，她通过抖音直播间购买的旅游预付卡，在申请退款时遇到了店铺消失、保证金清零 的窘境。 记者调查发现，这并非个案，背后暗藏一条以个体工商户资质为掩护、通过虚假商品链接兜售旅游卡的 灰色产业链。这些无资质商家不仅两头赚取消费者旅游卡卡金及地接社"人头费"，更通过篡改交易快 照、规避旅游合同等手法逃避监管，致使消费者维权时面临"投诉无门、退款无望"的困局。 店铺下线、商家失联 直播间999元购买的预付卡难退费 去年12月，黄女士在抖音"国旅悦览行"直播间购买了一张999元的旅游卡，商家承诺"双人游两次、三年 内随时退"。付款后，她收到了印有"中国国旅"的旅游手册及VIP卡，客服承诺"不用可退"。 今年4月，因朋友无法同行，黄女士申请退款时发现店铺已下线，交易快照被篡改为一段无关旅游的文 字。询问平台，抖音客服称订单超出售后期，商家保证金已返还且电话停机失联 ...

"当初我们买这些'理财产品'的时候，钱都是打到了对方提供的XX供应链公司、XX实业公司账户上。如 果这些交易涉嫌了非法金融活动，相关银行为什么从来没提示过风险呢？"某三方财富管理公司X财富 因涉嫌非法集资被立案侦查后，投资人张女士有此一问。 像张女士一样心存疑惑的投资人不在少数。证券时报记者循着投资人提供的银行流水信息追踪调查发 现，这些动辄与私人账户有着成百上千万资金往来的对公账户，大多是空壳公司。 破坏金融管理秩序犯罪、金融诈骗犯罪均属于我国《反洗钱法》特别关注的七类洗钱上游犯罪。操控空 壳公司、账户频繁大额交易、交易对手方为大量自然人账户、大部分资金去向不明，X财富所控制账户 的种种交易行为，可以说风险特征"肉眼可见"。 银行作为资金流转的核心枢纽，反洗钱工作能否精准高效开展，决定了非法集资等活动能否被及时识 别、及时阻断。然而在实际执行中，一些金融机构仍存在相关机制不健全、对重点可疑线索识别能力不 足、执行力偏弱等问题，使得其对非法集资犯罪行为的防范打击力度大打折扣。 高额流水 非法集资等金融类犯罪是反洗钱长期风险监测的一项重点难点工作。这类犯罪行为常常身披"投资理 财"的外衣，大多涉案金额大、牵涉人 ...