湖北启动2020年防范化解非法集资等金融风险宣传教育月活动
投稿: 宜都壹医 时间: 2019-06-18 15:06:03 点击: 1971
守住钱袋子 护好幸福家
——湖北启动2020年防范化解非法集资等金融风险宣传教育月活动
亚博买球jinri,2020nianhubeishengfangfanhuajiefeifajizidengjinrongfengxianxuanchuanjiaoyuyuehuodongzaiyichangyiwangluozhibofangshijuxingqidongyishi。zheishidi8gefangfanfeifajizixuanchuanyuehuodong,jinnianhuodongdezhutishi“shouzhuqiandaizi·huhaoxingfujia”,xuanchuanjiaoyuneirongjujiaofangfanfeifajizi、p2pwangluojiedai、weifaweiguijinronghuodongdengfangmian,tuchufangfanliyongyiqing、fugongfuchandengyoutoukaizhanweifaweiguijinronghuodongdexuanchuan,tishengqunzhongjinrongfazhi、jinrongfengxianyishi。
识别非法集资 防范金融风险
一、什么是非法集资
feifajizishiweifanguojiajinrongguanlifalvguiding,xiangshehuigongzhong(baokuodanweihegeren)xishouzijindexingwei。feifajizixingweixutongshijubeifeifaxing、gongkaixing、liyouxing、shehuixingsigetezhengyaojian。
feifaxing: weijingyouguanbumenyifapizhunhuozhejieyonghefajingyingdexingshixishouzijin;
亚博买球gongkaixing: tongguomeiti、tuijiehui、chuandan、shoujiduanxindengtujingxiangshehuigongkaixuanchuan;
liyouxing: chengnuozaiyidingqixianneiyihuobi、shiwu、guquandengfangshihaibenfuxihuozhejifuhuibao;
shehuixing: xiangshehuigongzhongjishehuibutedingduixiangxishouzijin。
二、非法集资的常见手段
1. chengnuogaoehuibao
bufafenziwangwangyigaoxihuibaoweiyouer,bianzao“tianshangdiaoxianbing”“zuozaijiazhongzhifu”“yiyechengfuweng”deshenhua,tongguobaolixunuoyinyoutouzizhexinganqingyuanjiangzijinjiaojitamenyiqiugaoehuibao。
2. bianzaoxujiaxiangmu
bufafenzidaduotongguozhucehefadegongsihuoqiye,dazhexiangyingguojiachanyezhengcedengqihao,jingyingxiangmuyouchuantongdezhongzhi、yangzhixingyefazhandaogaoxinjishukaifa、lvyouxiangmukaifa、kuangchankaifa、jizijianfang、jiankangyangsheng、touzirugu、xiaofeifanli、shouhoufanzudengneirong,yidinglihetongweihuangzi,bianzaoxujiaxiangmu,chengnuogaoegudingshouyi,pianqushehuigongzhongtouzi。
3. liyongwangluo
亚博买球xianxiatouzishitidian,zaiwangshangdajianp2ptouzipingtai;tongguoshouqurumenfei、huifeidengfangshijinxingwangluojizi、chuanxiaodengfangshi,dadaofeifajizidemude。
4. xujiaxuanchuanzaoshi
bufafenzizaixuanchuanshangwangwangyizhiqianjin,caiqupinqingmingxingdaiyan、jinxingshehuijuanzengdengfangshi,jiadaxuanchuanlidu,zhizaoxujiashengshi。
5. liyongqinqingyoupian
bufafenziwangwangliyongqinqi、pengyoutongxiangdengguanxi,yonggaoehuibaoyouhuoshehuigongzhongcanyutouzi。youxiecanyuchuanxiaorenyuan,zaichuanxiaozuzhidejingshenxinaohuorenshenqiangzhixiaweilewanchenghuozengjiazijideyeji,buxiliyongqinqing、diyuanguanxilalongqinpeng、tongxuehuolinjujiaru。
三、非法集资主要表现形式
亚博买球feifajizihuodongshejineirongguang,biaoxianxingshiduoyang,congmuqiananfaqingkuangkan,zhuyaobaokuozhaiquan、guquan、shangpinyingxiao、shengchanjingyingdengsidalei。zhuyaobiaoxianyouyixiajizhongxingshi:
1. jiezhongzhi、yangzhi、xiangmukaifa、zhuangyuankaifa、shengtaihuanbaotouzidengmingyifeifajizi。
亚博买球2. yifaxinghuobianxiangfaxinggupiao、zhaiquan、caipiao、touzijijindengquanlipingzhenghuozheyiqihuojiaoyi、diandangweimingjinxingfeifajizi。
3. tongguorenlinggufen、rugufenhongjinxingfeifajizi。
4. tongguohuiyuanka、huiyuanzheng、xiweizheng、youhuika、xiaofeikadengfangshijinxingfeifajizi。
5. yishangpinxiaoshouyufanzu、huigouyuzhuanrang、fazhanhuiyuan、shangjialianmengyu“kuaisujifenfa”dengfangshijinxingfeifajizi。
6. liyongxiandaidianziwangluojishugouzaode“xuni”chanpin,ru“dianzishangpu”“dianzibaihuo”touziweituojingying、daoqihuigoudengfangshijinxingfeifajizi。
7. duiwuye、dichandengzichanjinxingdengfenfenge,tongguochushouqifenedechuzhiquanjinxingfeifajizi。
8. liyonghulianwangshelitouzijijindexingshijinxingfeifajizi。
亚博买球9. liyong“dianzihuangjintouzi”xingshijinxingfeifajizi。
四、非法集资的危害
亚博买球yishifeifajiziyanzhongganraolezhengchangdejingji、jinrongzhixu,jiyiyinfashehuibuwendinghedaliangshehuizhianwenti,shenzhiyinfajubudiqudeshehuidongdang;
ershicanyufeifajizidedangshirenhuimengshouyanzhongjingjisunshi,shenzhiqingjiadangchan、jiaporenwang;
sanshifeifajizishuweifaxingwei,canyuzhekenenghuichengdanxiangyingfalvzeren,shoudaofalvzhicai。
五、识别、防范非法集资的对策
1. duigaoxiyouerbudongxin。duigaoehuibaodexuanchuanxulengjingfenxi,shixiang,yigeqiyexuyaoduogaodelirunlv,cainengzhichengdongzhe24%yishangdehuibao?
2. fengxianyushouyichengzhengbi。gaoshouyiwangwangbansuizhegaofengxian,ruguoyourenjieshaogaoshouyidifengxianchanpin,beihouwangwangyinzangzhepianju。
3. buchongbaibumixin。youxiegongsihuafeijuzigaoxuanchuandaguanggao,yongzaofudeshenhuahuyouqunzhong;shenzhizhongjinqinglaimingxingdangdaiyan,zichuizilei。
亚博买球4. buyaobaoyoujiaoxingxinli。youxierenmingzhishifeifajizi,dantantugaoshouyi,renweizijinengjishichoushen,xuzhifeifajizishiweifade,eryidanchushidaijiashicanzhongde。
亚博买球5. bumangcong。youxierencanyufeifajizi,shiyinweishenbiandeqinpenghaoyoutuijian,huozhekandaoqinpenghaoyoucanyuzhuanqulegaoelixi,caimangmujiaru。
6. zhangwobiyaojinrongzhishi。ketongguoguojiaqiyexinyongxinxichaxunxitong,chaxunxiangguanqiyeshifoujubeixiangguanzige,jindingqiyedejingyingfanwei,kantashifouyourongzidezizhi。ciwai,feifajiziwangwangjiezhuchuanxiaoshouduan,yingzhuyishibie。
六、有关注意事项
亚博买球1. jinrongyeshitexujingyingxingye,bixuchipaijingying
亚博买球suchengdejinrongpaizhaoshizhixiangguanjigoujingguojiajinrongjianguanbumenpizhun,congshitedingdejinrongyewudexukezheng,yourenminyinxing、yinbaojianhui、zhengjianhuibanfa。bixujingxukecaikekaizhandejinrongyewuzhuyaoyouyinxing、baoxian、xintuo、zhengquan、qihuo、jinrongzulin、gongmujijin、disanfangzhifudeng。zichanguanliyewu,shuyujinrongyewufanchou,bixuchipaijingying,bixunarujinrongjianguan。juminruyoulicaixuqiu,yingdangxuanzeyinxing、xintuo、zhengquan、jijin、qihuo、baoxianzichanguanlijigou、jinrongzichantouzigongsidengchipaijinrongjigoufaxingdezichanguanlichanpindeng。weijingjinrongjianduguanlibumenxuke,renhefeijinrongjigouhegerenbudedailixiaoshouzichanguanlichanpin。
2. canyufeifajizi,falvbubaohu,zhengfubumaidan
亚博买球genjuwoguofalvfagui,yincanyufeifajizihuodongershoudaodesunshi,youcanyuzhezixingchengdan,suoxingchengdezhaiwuhefengxian,budezhuanjiajiweicanyufeifajizihuodongdeqitarenhedanwei。jizikuandeqingtuiyinggenjuqinglihoushengyudezijin,anzhaojizirencanyudebilijiyutongyideqingtui。jingrenminfayuanzhixing,jizizherengbunengqingtuijizikuande,yingyoucanyuzhezixingchengdansunshi。zheiyiweizheyidanshehuigongzhongcanyufeifajizi,qiliyibushoufalvbaohu,suoshousunshibudeyaoqiuzhengfu、youguanbumenhesifajiguanchengdan。
警惕利用疫情、复工复产等由头开展违法金融活动
骗局一: 网络购物诈骗
亚博买球yiqingqijian,bufafenziliyongrenmenduifangyiyongpindepoqiexuqiujinxingwangluogouwuzhapian,qizhongyimaikouzhaozhapianjuduo,wuzimeidaoshou,fandaobeipian。
骗局二: 网络贷款诈骗
yiqingqijian,yixierenweifangdai、chedai、xinyongkahaikuanfachou。cishi,pianzijiuchenxuerrushishidaikuanzhapian。wangluodaikuanzhapiantaoluyouyixiajifangmian: shouxian,pianzitongguohulianwanghuoshoujifabudaikuanxinxi,yitigong“wudiyadaikuan”“dixidaikuan”“mianxidaikuan”weiyouerjinyibupianqushouhaizhedexinren。qici,guangdajixuzijindeqiyezhujigerenyidanshanggou,zaiantishixiazai“xxxdaikuanpingtai”huotianjiaweixin、qqhou,bianyijiaonashouxufei、baozhengjinyijiyidingqixiandelixidenggezhongliyoulaipianquqiancai。jingfangtixing,ruxudaikuanyingzaiguojiazhengguijinrongjigou(ruyinxing)banli,qiewutanfangbiantanxiaolicongbuzhimingdejiedaipingtaibanli,zheixiepingtaiwangwangbuneng“xuezhongsongtan”,fanerhui“xueshangjiashuang”。
骗局三: 利用网课诈骗
亚博买球yiqingqijian,xuexiaoyanqikaixue、“tingkebutingxue”,bufafenziliyongzheiyidian,maochonglaoshiqianruqqqun,yi“wangshangshoukeshoufei”weiyoushishizhapian,huotongguoduanxindaoqugerenxinxi。tongxuejijiazhangrushoudaojiaofeihuotigonggerenxinxidetongzhi,yaozhudongquguanfangqudaoyanzhengtongzhidezhenshixing。jiaofeiqianyaohexuexiao、laoshitongguodianhualianxidengfangshijinyibuqueren,buxiangmoshengrenzhanghudakuan。
以案说法
武汉某房地产公司、李某等人非法吸收公众存款案
亚博买球wuhanmoufangdichangongsi、limoudengrenfeifaxishougongzhongcunkuananshiwuhanshijinnianlaikaizhandajifeifajizizhuanxianghuodongzhongshejideyiqizhongdaanjian,gaiansheanrenfan26ren,sheandanwei1ge,sheanjiziweifanhaijinedarenminbi24yiyuyuan,sheantouziren1.2wanyuren。2011nianqi,wuhanmoufangdichangongsiweijiejuezijinzhouzhuanwenti,yibaozufanli、daoqihuigoudefangshifeifaxishougongzhongzijin。limoudengshejijijinchanpin,chenglitouziguanligongsizuoweipingtai,xiangshehuigongzhongfeifamujizijin。limoudenghaisheji、kaifa、yunyingp2ppingtai,chenglihulianwangjinrongguanlizhongxin,xugouzhaiquanzhuanrangbiaode,tongguomendianhehulianwangxianshangjinxingtuiguang,chengnuojiyutouzizhegudinghuibao,feifaxishougongzhongzijin。jianghanqufayuanyu2018nian9yueduicianjinxingyishenpanjue,xuanpanhou,beigaorenlimoudeng26renmeiyoushangsu,zhiyoubeigaodanweiwuhanmoufangdichangongsitiqishangsu,wuhanshizhongjirenminfayuanyu2019nian5yuezuochuxingshicaidingshu,bohuishangsu,weichiyuanpan。
十堰蔡某、占某涉嫌非法吸收公众存款案
亚博买球caimoushishiyanzhangwanquyiyaoyegongsidefuzeren,2013nianzhi2016nianqijian,caimoujiqiyaoyegongsijinglizhanmouyigongsixuyaozijinzhouzhuan、banlichanquanzheng、kuozhanyewudengweiyou,xiangshehuigongzhongxuanchuanqitouzilicaixiangmu,bingchengnuoyuelixi1.5%zhi2%,4nianjianxiyinle150yurentouzi,gongxishouzijin6000yuwanyuan。houyouyugongsijingyingbushan,caimouzijinlianduanlie,zaocheng3500duowanyuanzijinwufachanghai。2017nian2yue,zhangwanjingfangchenggongzhenpolezheiyifeifaxishougongzhongcunkuanan。jingshiyanshizhangwanqurenminfayuanpanjue,caimou、zhanmoujunpanchuyouqituxing4nian6geyuebingjiangweifasuodeyuyizhuijiao,fahaigebeihairen。gaiyaoyegongsifanfeifaxishougongzhongcunkuanzui,panchufajin20wanyuan。
[文章来源:
湖北省人民政府网站]