MMM mutual China financial official website
"The investment of more than 60-60,000 yuan, fixed monthly income 30%......" open "MMM mutual finance (referred to as MMM)" when China's official website, these plus red bold letters for the first time come into view, stimulate the nerve of each visitor.
Recently, called "MMM solidarity finance" "financial products" on the Internet is popular, in various forums, QQ Group, circle of friends, advertising of MMM is everywhere. Find micro letter public, type MMM, certified, and MMM MMM community platforms also are numerous.
China Banking Regulatory Commission, and the Ministry, the people's Bank, SAIC has also devoted a similar "financial assistance" issue risk warning.
So, this "mutual financial" who what is the way of the slogan, as it said it was not really high risk investment projects?
Surging News (WW.thepaper.CN) found that almost everywhere on the network the MMM financial community on mutual assistance, can't seem to find real operators, it's hard to find any real projects, only to find the frequently changing domain name vest website registration window, as well as the overwhelming temptation the heart of 30% a month. For those certified micro-signals, most network authentication, most of them claimed to be MMM operation team or line.
It is worth mentioning that, as the MMM official website open instability, some fake MMM has appeared, MMM official letter, the public also has risk.
MMM how to play? 23 times times annualized earnings?
According to the Organization on himself run rules of description, so-called of "MMM mutual financial" is such a mode: MMM put participants is divided into "provides help who" and "sought help who", both each other paired, investors first to "provides help who" of identity, to "sought help who" provides funds, then get a name for "Mavro" of virtual items; 15 days zhihou, participants can to "sought help who" of identity, and new of "provides help who" paired, sold "Mavro" sets now.
Member, MMM's attraction lies in its flexible investment and super high-yield, short-term cash: 60 vote per day 1% of interest, 15 days can apply for cash, invest a maximum of 30 days must be out again.
This incredibly high yield, calculated in accordance with 30% rolling investment interest per month, after a year of about 23.3 times of the original principal amount times the total principal and interest.
Common Internet and financial models, such as P2P and all the chips are different, MMM there is no project, "help" and "help" is not a loan, returns than investment returns, so how to you bring such high yields?
A participant pointed out, "it does not depend on the project, or the product itself to make money, but make money by growing off the production line, the model simply is ' old and new ', with new investor money, to pay interest to the older players and short-term returns. "
30% yields each month, is called "static revenue", which is just a way of MMM provides many benefits in addition to MMM main returns including recommended and management award, both of which bonuses are aimed primarily at encouraging members to recommend others to join.
Recommend award of the so-called, refers to the Member if you recommend others to join, 10% of the amount available to each other's investment Commission.
The so-called management award, refers to the MMM in the management chain, referees called the Manager, the Manager can set up their own multilevel network, extracted from the investment per participant fixed proportion of bonuses.
In accordance with the rules, managers can be obtained from the first layer of each investor's 5% award, second layer 3%, third layer 1%, and so on, on the sixth floor at 0.3%, six-0.01%.
In the system in the, Manager himself development of level more more bonus on more more, like, if a people invited has 10 a user into the system, and these people are for has investment, so he on will automatically into a "ten Group Manager", can from this 10 a people of investment in the get royalty; if he invited has 100 a people, on became "hundred Group Manager", can from get 100 people of investment royalty; zhihou also has "thousand Group Manager", and "million Group Manager" even "million Group Manager" and so on.
Different levels of managers in the MMM network have different animal signs, the bottom is marked by a squirrel, then wolves, Panthers, eagles, Lions, the highest rank is the one-stop.
In addition, in order for the participants to take the initiative spread of MMM, the organization also provides other rewards, such as Member upload thanks MMM text or video, you can also earn extra 3% to 5% yields rewards.
Who runs MMM China? Jinhua, a technology company?
Described in the MMM website in China, founder of the MMM is Russia largest organizers of the MMM financial pyramid history xieergai·mafuluoji, 2015 in April, he started "MMM China" website.
According to Russia media reports, the MMM scam called Russia's biggest financial fraud in history. In 1994, Mavrodi was established with his three brothers initials the MMM company, stock raising, and from 1994 to 1997, tricked 5 million participants Fund, profit reached 1.5 billion US dollars. early 30 year cycle of ed rate hike have been
In 2003, Mavrodi was Russia caught in the justice sector, and stealing players money, tax evasion, forgery and accused of massive fraud, and ultimately sentenced to 4.5 years in 2007, released from prison.
However, starting from 2011, mafuluofu again, he is Remaking the variants MMM2011 and MMM2012, in Russia, and Belarus, and India and other countries to build "financial pyramids".
Although MMM in China is developing rapidly and membership, but the operator who is in the country of the Organization, but it is a mystery.
MMM Chinese website, xieergai·mafuluoji avatar is placed in Home stand out. But analysts believe that MMM operating in China are certainly not Mavrodi, because xieergai·mafuluoji had admitted in the report, due to the fraud-ridden, he was prohibited from leaving Russia.
Compared with the xieergai·mafuluoji frequently appeared, MMM's operations in China are very mysterious.
Worthy of special mention here is, the surging News (www.thepaper.CN) is found outside the organizations set up multiple Web sites as the official website, these sites are located in the United States or Hong Kong, cannot query from the Ministry to the record information, on its Web page does not have operator any contact information. However, registered accounts, account operating will enter a Web site called MMMoffice.
Surging news found that MMM app public identified official website (chinammmnet) as a "Jinhua intelligent life network technology co., Ltd." According to the national business information query system, the company was founded on February 11, 2015, registered capital of 1 million Yuan, with two shareholders, called "pillars of Wu" and "continental building" Office address for the jindong district, Jinhua Li Yu dong Lu, after inquiry, that address is currently a broker's Office.
This "intelligent life network science and technology limited company of Jinhua" running MMM also known as customer service and training system in China.
According to journalist gets a letter job posting, recruiting customer service is not online, but work on the network, the main job is to answer member questions, and micro-blog, QQ, micro-credit promotion. The company said customer service salary paid in dollars.
In the area of training, the company which operates a named "MMM managers Training Institute" (Editor's Note: mmmschool.com, upon enquiry, the website registrant to Wu Dong Liang, registered mail to wdljinhua@Hotmail.com) Web site, the site is located in the United States, the main job is to recruit members and training them how to MMM. Allegedly, the site had already had six cycles of training each recruit 1500 people.
It is worth mentioning that these micro-letter public on November 17, the CBRC also risk, specifically issued a rebuttal: special emphasis on domestic fortress and imitation, and many cottage run in less than six months, or take money, remind investors of the risks. The CBRC risk prompts for a detailed explanation, says it will have the perfect model and system design to deal with the risks, special mention when the user growth rate declines, rates will be readjusted to ensure system operation.
MMM website, customer service, the training system is backed by a strong operations team, but the team how to profit is also a mystery.
Although MMM which claims financial flows without platforms, so there is no money, but many analysts are skeptical. They point out that MMM there is a very important component in the process is the "Coordinator", its responsibility is to investors and is now paired. "Use coordinator mechanism, MMM administrator can give priority to match their account withdrawals, in addition, although there are some so-called" Mavro "restriction, but changes in technology in the background without any difficulty. "
Who condones MMM spread?
After entering China in the initial period, MMM just a small area to spread, but with the aid of a well-developed social network, Internet financial cover MMM spread quickly. Since July, there have been traces of the activities of the Organization throughout the country.
Spread on the way, MMM is mainly spread through the network, a common media, including community forums, QQ groups, micro-credit, posted it, news sites, search engines, and so on. From the perspective of transmission chain, QQ, app and search engines is the proliferation of MMM's main channels, and related operations are tacitly allowing its development.
For example, in the letter on the presence of many public, MMM, and many also with micro-Certified logo. Micro letter says these accounts Tencent be reasonable, careful screening and a written verification.
While on the search engine Baidu, to MMM for the keyword search can be found in a large number of promotional links, many of which are Baidu added a blue v signs, according to Baidu's instructions, with the logo of the website belongs to the basic credit accumulation, and browse access to the Web site. But surging News (www.thepaper.CN) queries the domain name record information management system in the Ministry result is that these sites do not have any record.
Inside, there are also shops selling MMM platform source code, system development, and there is no lack of buyers.
Some media have even become MMM propaganda tool, many well-known Portal websites, newspaper Web sites are published articles advocating MMM, some appear as news reports.
So, for now, MMM how many participants in China? Data on this subject, no precise statistics.
Although the figure could not be verified, but surging news found that only exists on the QQ more than 300 MMM group, most of which are the full number of 2000 super group, QQ Group participants gathered at least can be estimated at around 500,000 people, if coupled with other channels, the number will more.
Relative to the number of participants, MMM relates to the amount of money and more is a mystery, because of the decentralized way of trading, even the MMM Team Manager cannot be estimated.
However, due to the MMM use bitcoin transactions outside can still glimpse into the tip of the iceberg on the coins. Some netizens claimed claimed that MMM only found in a single exposed the currency account transaction nearly 2.9 million coins, based on the current coins 2500 rough calculation, the total value of over 7 billion yuan.
Ponzi scheme?
With MMM's development in China, questioning its pyramid schemes and Ponzi schemes came the sound of.
But MMM participants, they had persuaded their reasons-even if it is a Ponzi scheme, as long as the earlier killing, quit before the crash, can also make a lot of money. "We will use the rules, under the prerequisite of ensuring the safety of principal participation. But faster, always remind myself not to put life. "In some Forum, when faced with a challenge, a MMM participants explained his motives.
In the circle, collapse the subject was taboo, "will collapse, the only question is when to collapse. "Like China" MMM stick "in such a discussion," how long MMM "is a topic often appear and lead to disputes.
"Will collapse before the Spring Festival. "One pessimistic participant thought," MMM investment just to make money, to the end of, there are many people who want to get the investment back, once we all run, the system will be ruined. "
While the other participants were of the view that MMM can still at least a year, the key key to see what Government time to treatment.
MMM, the Government regulatory level there is little real action, many body regulators that helpless.
Report, Zhejiang market Authority spokesman said they reported and there are no other measures, "because the network technology, regional jurisdiction and the nature of MLM, and many other factors, investigation and evidence collection is difficult. "
MMM qualitative and disposal, also not settled.
Although the November 11 Office of the CBRC national disposal of illegally raised funds ministerial joint meeting (referred to as non-Office), the CBRC issued a risk warnings of the MMM website, saying "this kind of operation against law, it is difficult to maintain the Fund, once the capital chain rupture, the participants will face serious losses. "But not on November 16 in a surging News (www.thepaper.CN), said in an interview, MMM is convicted of fraud, there is no corresponding evidence, failed to qualify.
The official said, according to steps to dispose of related events in the past, only victims report not be handed over to the public security Department, the public security departments will be able to go to the Office, be characterized as illegal scams in the investigation.
Regulators are also trying to, it is encouraging the public to provide clues, non-risk warning prompt announcement released on November 11, saying that "crime clues available, actively reflects to the relevant Department. "
But the officials in a surging News (www.thepaper.CN) said in an interview, not currently receive the MMM victims report, so we cannot take further action against MMM, "now we can only risk warning, prompted the public not to engage in to prevent being cheated. "
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