北京振农投资管理有限公司旗下振农资本项目延迟处理事件，引发广泛关注。 互联网投资理财风险诸多。技术层面，存在网络安全隐患；市场方面，受经济形势等影响波动大；信用上，部分平台信用缺 失。在振农资本事件中，这些风险都有所体现。比如，项目延迟或与市场风险导致盈利未达预期有关，而投资者对项目进展 担忧则反映出信用风险。 投资者应提升风险意识，充分了解投资项目，不盲目跟风。监管者要加强监管力度，完善相关法规，规范市场秩序。只有理 性看待与应对风险，才能在互联网投资理财的浪潮中，保障自身权益，维护市场稳定。 振农资本线上投资项目，有着独特运营模式。资金流向特定项目，通过项目盈利获取收益，项目类型多样。然而，此次部分 项目延迟处理，暴露出不少问题。 面对这一情况，振农资本积极应对。发布公 告说明情况，制定解决方案方向，积极与用户沟通，力求达成共识。 ...

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].

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 Insights - The article highlights the growing trend of household savings in China, with new deposits reaching 14.26 trillion yuan in 2024, indicating a national focus on saving money [1] - It emphasizes the risks associated with high savings, particularly in the context of inflation and low interest rates, which diminish the purchasing power of saved money [1][9] - The article advises caution in investment strategies, suggesting that individuals should consider safer options like bank deposits and government bonds rather than speculative investments [3][7] Savings and Investment Trends - By the end of 2024, households with savings exceeding 300,000 yuan surpassed 28 million, a fivefold increase over five years, reflecting a significant shift in savings behavior [1] - The current low interest rates, with three-year rates dropping below 3% and one-year rates below 2%, mean that traditional savings are yielding minimal returns [9] - The article warns against blindly following investment trends, advocating for a more measured approach to asset allocation that includes inflation-resistant options [3][9] Entrepreneurship and Economic Environment - The article discusses the challenging employment landscape, with high unemployment rates leading many to consider entrepreneurship, but warns of the high failure rates of new businesses due to rising costs and reduced consumer spending [3][7] - It suggests that potential entrepreneurs should thoroughly plan their business strategies before launching, focusing on low-investment, high-demand projects [7] Inflation and Purchasing Power - Inflation is highlighted as a significant concern, with the purchasing power of money decreasing, meaning that savings may not hold their value over time [7][9] - The article recommends diversifying investments to include assets that can withstand inflation, such as real estate and quality bonds, while being cautious about market timing [7][9] Conclusion on Financial Management - The article concludes that in 2025, having money does not guarantee financial success; the ability to manage and allocate funds wisely is crucial [9] - It encourages individuals to remain vigilant and informed about their financial decisions, especially in a climate of widespread investment enthusiasm [9]

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]

安全提示 接到陌生电话 必须核实对方 身份,对于自 称工作人员的 人,要通过官 方渠道进行核 实。 电信诈骗案例剖析 0 冒充银行客服类诈骗 违法人员通过非法手段获取受害人信 息,冒充银行客服人员,发送虚假的银行卡 查询链接,要求被害人填写个人信息、银行 卡卡号及密码并引诱被害人告知银行短信验证码,从而划走 资金,导致被害人财产损失。 案例 在江西打工的王某接到一个电话,显示的是个陌生的 个人号码,对方自称是某银行客户经理,告知王某其信用 良好,有资格提高其信用卡的透支额度。王某心想信用卡 额度高点比较方便,银行打来一些营销电话也正常,还不 用去网点，便应允了。按照对方要求,王某将自己在该银 行办理的信用卡卡号、有效期、卡背面数字验证码等信息 告诉了对方。随后,对方称银行正在审核,需要王某提供 动态密码确认,王某信以为真,便提供给了对方,直到资 金被划走方知被骗。 这位所谓的老同学极力说服李女士先垫付 资金。基于对老同学的信任,加上已经视频通话核实了身 份,李女士将自己手里的40万元转入了对方提供的一个银 行账号。随后李女士感觉到事有蹊跷并拨打了真正的老同学 电话,这才发现被骗了,随即便报了警。 安全提示 0 ...

【C】消保专属 "工牌"好City啊~ ↔ 学习金融知识 www 当"疯感工牌"爆火出圈 金融消费者权益保护教育宣传 也已经开始NEXT LEVEL了 快和招小宝一样 打造消保专属《 学金融知识，防范金融陷阱 "掷" NFFE " 沿革" ! 今日事，今日 ●信息 现在 我是XX投资公司的 新能源项目可是一个 客服经理。我们了 很好的投资风口呀~ 解到您目前有投资 的需求。 恰好我们公司在运 营一个新能源项 目。门槛低,收益 很可观。 一日,黄女士刷到某投资理财的短视 频,并通过视频内的信息添加了一位"导 师"的账号,进入了所谓的"免费投资指 导"群。群内"导师"每天不定时传授投资 技巧。一段时间后,在"导师"和"群友 们"的指导下,黄女士拿出20万跟风投某理 财项目。1个月后,该群突然解散,"导 师"也联系不上，黄女士意识到被骗。 厂 防范风险Tips | o 投资理财请选择正规机构，天上不会 掉馅饼,宣称掌握各种"投资技巧""内 幕消息" "稳赚不赔" "低成本高回报" 的都是诈骗话术，"群友们"可能都是 托，不要轻信，切勿转账。 单,要求制作一个66000元的现金鲜花礼 盒,对方转账到杨先生银行卡,让他 ...