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]

成立于2014年的永坤黄金，是上海黄金交易所会员单位，号称"从矿山到柜台"全产业链，但近日来，其 线上平台及线下门店陆续出现兑付困难，涉及金额可能超过20亿元人民币，波及上万名投资者。它为何 会如此不堪一击呢？关注我，听我细聊。 通过深入剖析其业务模式、暴雷根源，我们可以吸取教训，并总结出一套切实可行的防范指南。简而言 之，永坤通过构建线上线下结合的网络，辅以极具诱惑力的产品和宣传，利用人们对黄金的无脑信任以 及对高收益的热切追求，成功吸引了大量投资者。 业务和产品是怎样的呢？ 1、业务上号称涵盖黄金勘探、精炼制造、珠宝设计销售、进出口贸易及电子商务等多个领域，通过永 坤商城APP、小程序、官方网站及公众号等线上平台，以及全国30多家门店，提供黄金行情、黄金饰品 销售及旧金回收等服务。 2、"黄金托管回购"业务，投资者购买黄金后并不实际提取，而是委托永坤保管，永坤则承诺到期后按 约定价格回购，并支付高额的固定年化收益。有投资者的收益表显示，购买300万以上黄金，签约一年 可获年利率9%，甚至有的宣称高达12%到18%。 3、线上永坤商城还有"预购黄金"业务，宣称保本保利，即预定黄金到期后，若金价上涨则可选择回 ...