《风险提示》首个披露的案例，聚焦近期高发的"农业云养殖"领域。据介绍，某地市民孙女士经朋友介 绍，接触到一款"云养黑猪"投资项目。该平台对外宣称，投资者无需实地参与养殖，认购后即可享受年 化60%的固定收益。孙女士投入资金后，平台以"系统升级"为由冻结提现功能，随后关闭APP。经查， 该项目无真实养殖场，利用层级返利发展4万会员，涉案金额超亿元，涉嫌非法传销活动。 深圳市委金融办特别提示，近年来，"云养经济"领域违法犯罪活动高发。一些不法分子往往打着"发展 农业产业"的幌子，将正常的农产品种养、销售环节包装成"投资融资项目"，借助互联网平台广泛宣传 推广，从事违法犯罪活动，既侵害公众合法利益，也对农业产业健康发展造成负面影响。 据了解，此类欺诈活动存在三大典型特征：一是以"农业+科技"为噱头，炒作田园生活、有机生态、智 慧农业等热点，伪造养殖、种植的视频图片来虚构或夸大实际生产场景，对外宣称低风险、高收益，但 真实经营模式难以支撑其承诺收益；二是网络属性强，不法分子依托互联网、移动应用程序开展运营， 通过网上支付工具收付资金，风险波及范围广、扩散速度快，资金监管和追踪难度大；三是存在多种违 法犯罪风险，不法分 ...

Core Viewpoint - The article discusses the phenomenon of multiple companies experiencing financial collapse, highlighting the common traits of these businesses, which include reckless growth, rapid iteration, self-destructive practices, yet they continue to persist in the market [1][44]. Group 1: Company Examples and Impact - Yongkun Gold, with 23 gold stores and 11 jewelry stores in Jiangsu, Zhejiang, and Shanghai, was found unable to fulfill its obligations in May, affecting over 10,000 people and involving an amount as high as 4 billion yuan [1][2]. - The case of Qian Dao Investment, which faced payment issues last year and was discovered to have fake products and shell companies, illustrates the extent of the problem [6][7]. - Jiang Hai Hui Group, which operated for 15 years and claimed government recognition, suddenly collapsed, leaving investors with approximately 28 billion yuan in losses [10]. - The article also mentions the collapse of various companies across different sectors, including home decoration and elderly care, indicating a widespread issue beyond just financial investments [12][19]. Group 2: Common Characteristics of Exploding Companies - The companies involved share common characteristics such as low market entry barriers, rough business operations, and difficulty in controlling service quality [44][45]. - Many of these companies operate in sectors with inadequate regulatory oversight, leading to a proliferation of businesses lacking proper qualifications and operational standards [45][46]. - The article emphasizes that these companies often promise high returns to attract investments, engage in fund misappropriation, and create a false sense of security through misleading advertising [43][44]. Group 3: Consumer Protection and Regulatory Suggestions - Consumers are advised to analyze the rationality of investment projects, check the background of companies, and be cautious of those lacking necessary qualifications [46][47]. - The article suggests that the government should establish a cross-departmental risk prevention mechanism, implement dynamic regulatory policies, and enhance mandatory disclosure standards for companies [51][53]. - It highlights the need for stricter regulations on prepayment systems to prevent companies from misusing funds and to ensure consumer protection [52][53].

Core Viewpoint - The financial sector is facing a significant crisis as multiple gold investment firms, particularly Yongkun Group, have collapsed, leading to substantial financial losses for investors, some of whom have lost millions [1][20][30] Group 1: Company Overview - Yongkun Group operated a complex gold investment scheme that misled investors into believing they were purchasing gold with guaranteed returns, which turned out to be a Ponzi scheme [3][11] - The company promised annual returns as high as 9%, significantly above the bank deposit rate of 3.45%, which attracted many investors [5][6] - The investment model involved both online and offline channels, where customers signed contracts for gold storage and repurchase, creating a facade of security [8][9] Group 2: Investment Scheme Details - The contracts included clauses that promised to refund the original price if gold prices fell, which was a key selling point for attracting investors [6][11] - The scheme relied on continuous influx of new investors to sustain operations, ultimately leading to financial collapse when new investments dried up [11][24] - Prior to the collapse, the company was still actively promoting investment opportunities and running promotional campaigns, indicating a desperate attempt to gather more funds [15][16] Group 3: Investor Impact - Many investors, including families, invested significant amounts, with some losing over 12 million yuan, leading to extreme emotional distress and even suicidal thoughts among victims [22][30] - The network of victims expanded widely, with over 60% of investors being referred by friends, showcasing the extensive reach of the company's marketing tactics [24][26] - The collapse has left a large number of investors in financial ruin, with reports of individuals losing their life savings and facing severe financial consequences [20][22] Group 4: Management and Legal Issues - The company's founder, Wang Guohai, has been described as a key figure behind the scheme, with a history of operating multiple companies, many of which have been dissolved [26][28] - Following the collapse, it was revealed that the promised gold reserves, valued at 4.1 billion yuan, were nonexistent, leading to legal investigations [28][30] - The authorities have initiated investigations, but recovery of lost funds for investors remains uncertain, highlighting the risks associated with high-return investment schemes [30]

Core Viewpoint - Yongkun Gold has collapsed, affecting a significant number of middle-class individuals, small business owners, and wealthy families in the Yangtze River Delta, with the involved amount exceeding 2 billion [2] Group 1: Business Model and Operations - Yongkun Gold is not a traditional gold retailer but positions itself as a "comprehensive gold service provider," offering investment certificates instead of physical gold [4] - The company attracted investors with high-interest promises, initially offering annual returns as high as 9%, later stabilizing around 7%, significantly above market averages [4] - The business model relied on a Ponzi scheme structure, using new investor funds to pay returns to earlier investors rather than purchasing actual gold [6][8] Group 2: Investor Impact - Many investors, including families, invested substantial amounts, with some families investing up to 20 million [6] - As gold prices surged, investors rushed to withdraw their funds, leading to a liquidity crisis for Yongkun Gold, which could not fulfill withdrawal requests [7] - Employees of Yongkun Gold also suffered losses, with reports of them losing their life savings and facing financial distress [8] Group 3: Market Context and Warnings - The recent surge in gold prices attracted many investors seeking high returns, leading them to overlook the risks associated with high-yield investments [9][10] - The collapse of Yongkun Gold serves as a warning against high-yield investment promises, especially in a changing interest rate environment where traditional safe investments yield lower returns [12][19] - The situation reflects a broader issue of similar Ponzi schemes in China, indicating a systemic risk in the investment landscape [12]

Core Viewpoint - The article highlights the issues surrounding Yongkun Gold Jewelry Co., Ltd. and its online platform Yongkun Mall, where investors have reported significant withdrawal difficulties and operational irregularities, leading to concerns about potential fraud and mismanagement [1][2][3]. Group 1: Company Operations and Issues - Yongkun Mall promised annualized returns of 7% to 8% and a "capital protection" commitment, attracting numerous investors [1]. - Recently, multiple investors reported that they could not withdraw funds or redeem gold, indicating a large-scale payout anomaly [1][2]. - The Hangzhou market supervision authority has listed the operating entity of Yongkun Mall in the abnormal business operations directory due to inability to contact the registered address [1]. Group 2: Investor Experiences - One investor detailed their experience, stating they initially invested tens of thousands, which later escalated to over 1.23 billion yuan across multiple transactions, with gold prices fluctuating significantly [3]. - Attempts to contact customer service through various channels have been unsuccessful, with reports of phone lines being disconnected and customer service accounts being inactive [4][11]. Group 3: Company Background - Yongkun Holdings claims to be a comprehensive gold service provider with a registered capital of 112 million yuan, involved in various sectors including gold exploration, refining, and e-commerce [12][14]. - The company operates multiple brands and has physical stores in Hangzhou, where employees have also invested in gold products [12][16]. Group 4: Legal and Insurance Aspects - Investors discovered that the insurance policy provided by Yongkun Holdings only covers specific incidents like fire and explosion, raising concerns about the adequacy of protection for their investments [17][23]. - Legal experts warn that high-yield investment promises are often indicative of scams, and investors should be cautious of such schemes that may involve illegal fundraising practices [33].

Core Viewpoint - Yongkun Gold, established in 2014, is facing significant payout difficulties involving over 2 billion RMB, affecting thousands of investors, raising concerns about its business model and sustainability [1] Business Model and Products - Yongkun Gold claims to cover multiple sectors including gold exploration, refining, jewelry design and sales, import-export trade, and e-commerce, utilizing both online platforms and over 30 physical stores nationwide [2] - The "Gold Custody and Repurchase" service allows investors to purchase gold without actual withdrawal, with promises of high fixed annual returns, with rates as high as 12% to 18% for investments over 3 million RMB [4] - The online platform also offers a "Pre-purchase Gold" service, claiming capital protection and profit guarantees, essentially functioning as a financial product without actual gold delivery [4] - The "Super Gold Store" and "Gold Accumulation Plan" allow investors to purchase gold from 1 gram, with a promise of price protection, but high fees apply for early redemption [4] Characteristics of the Scheme - The business model lacks sustainability as gold does not generate cash flow, relying on continuous price increases which are unrealistic given market volatility [6] - Promised annual returns far exceed normal profit margins from legitimate gold investments, indicating a reliance on new investor funds to pay returns to earlier investors, characteristic of a Ponzi scheme [6] - The absence of physical gold in investors' possession and lack of regulatory oversight facilitate potential fraud, including misappropriation of funds and fictitious inventory [6][8] Investor Vulnerability - Yongkun's false advertising created a misleading perception of trust, claiming government backing and bank custody, while actual protections were minimal [10] - Investors often lacked understanding of financial product risks, failing to question the sustainability of high returns, leading to reliance on familiar recommendations and a false sense of security [10] Preventive Measures - Investors should remain vigilant against promises of excessively high returns, prioritizing capital safety over blind pursuit of profits [13] - Conduct thorough due diligence on platforms and their compliance with regulations, rather than relying solely on marketing or physical presence [13] - Diversification of investments is crucial to mitigate risks associated with concentrating funds in a single platform or product [13] - Understanding the underlying assets, operational logic, and risk-return characteristics of products is essential to identify potential Ponzi schemes [13] Actions for Affected Investors - Affected investors should organize through social media to share information and strategies for collective action [14] - Reporting to economic crime investigation departments with evidence such as contracts and transaction records is recommended [14] - Legal avenues should be explored, including hiring lawyers to pursue claims or participate in criminal proceedings [14] - Maintaining realistic expectations regarding the outcomes of legal actions is important due to potential delays and uncertainties in recovery [14]