dream pocket

"No? None of you know the greatest Ponzi scheme in the last century and even the root of modern financial fraud?"

Tang Xin was speechless to everyone's reaction.

Sun Dao crossed his legs and swayed twice, smiling playfully: "I would like to know what you have in your head? Why do you seem to know everything."

The others stared at Tang Xin with the same expression.

Tang Xin couldn't accept this.

Stretching out his right hand from his pocket and waving it casually, Tang Xin asked: "Is it strange to know the world's affairs without leaving home now? This is the age of the Internet! What is the computer for? One of the important functions of the Internet It is the sharing of information, spend 30 minutes a day watching the news, discovering some stories you are interested in, and you will learn more about the world.”

Everyone was indifferent to Tang Xin's almost accusatory words.

Tang Xin felt that he was playing the piano against the cow, so he let out a sigh of relief, walked to the coffee table, pointed at Cheng Mu, and said, "Let me briefly describe the essence of Ponzi fraud. This scam, which is called the root of fraud, can be called The textbooks imitated or developed by latecomers are inseparable, such as Ponzi fraud. Cheng Mu, you have 100 yuan, let me tell you, if you give me 100 yuan, within ten months, every one of my I will pay you back 20 yuan a month, so that after ten months, you can get back 200 yuan. Would you like to do such a transaction with me?"

Cheng Mu looked around at his companions, suddenly feeling a lot of pressure, hesitated for a long time and didn't make a sound.

"This kind of good thing, why do you hesitate?"

Tang Xin looked at Cheng Mu in disbelief, feeling that he had picked the wrong person, and when he was about to turn his head to look at Sun Dao, Cheng Mu hurriedly shouted: "I am willing, I am willing, oops, I was just thinking about what you would do if you lied to me .”

Now, Tang Xin looked at her appreciatively, and said, "Yes, your concerns are right! So, this scam started from a small start from the very beginning. I will ask you to pay 1000, even if you can afford it, you can pay for it." Beware of being cheated, but if you are an adult, 100 will not be taken seriously."

Tang Xin took two steps back to distance himself from the people sitting on the sofa.

"Okay, now Cheng Mu gave me 100 yuan as an investment, and I promise to return her 10 yuan every month for 20 months, a total of 200."

哗

Cheng Mu raised his hand as if he was in class, and Tang Xin stretched out his hand towards her, motioning for her to speak.

"But you only have 100 in your hand. Even if you give me 20 every month, you will have no money in the sixth month. Are you going to pay me yourself?"

With a smile on his face, Tang Xin nodded and said, "That's a good question!"

The corner of Cheng Mu's mouth curled up, smiling cutely.

Tang Xin calmly said: "The first month is up, I gave Cheng Mu 20 yuan, Cheng Mu, you found out that you got the money, what do you think?"

"I made money! 10 yuan in capital, 10 yuan in profit."

Cheng Mu yelled, Tang Xin slapped his hands, and praised: "That's right! The previous worries and worries were swept away, because the money has indeed come back. Then, Ye Qiu, Cheng Mu's friend, you saw Cheng Mu has made money from this investment, will you be tempted? How much you invest, you will be paid back in double!"

I knew it was a scam before, but Ye Qiu put himself in his shoes and thought about it. With a high-return investment, plus the fact that a friend received the money and it was confirmed, ordinary people would definitely find it difficult to resist the temptation.

She nodded as an answer.

Tang Xin snapped his fingers: "Now, I have 180 in my hand, next month I will pay them 20 each, and I have 140 left in my hand. And their friends, Sun Dao, Lin Xue, Qiu Qiang, Xia Qingying Seeing such a good thing, and participating in it, I will have more and more money! Of course, I can’t just rely on customer publicity, I have to hire employees to carry out this kind of fraud for me. It is enough to put out a signboard to attract investment. You can imagine a picture in your mind, a pyramid, but it is upside down. I am the person at the bottom of the tower, and the people on the top layer are constantly expanding and increasing. Their wealth, It keeps pouring into my pocket. People like Cheng Mu who invested first, after seeing the super high returns, either increase their investment midway, or enter the second round of larger investment after the first round of investment is over During that time, the money just snowballed in my pocket."

哗

Cheng Mu raised her hand again with a smile, and Tang Xin waved her hand to signal her to speak.

"I see, this is tearing down the east wall to make up for the west! But what if there is no one on the top of the pyramid?"

Tang Xin rarely smiled from the bottom of his heart, and said: "Good question! However, smart planners will roll up their money and retreat when their wealth reaches its peak, and disappear without a trace. Because this pyramid will collapse one day! And this is Ponzi The fraudulent way of raising money gives you tangible benefits, and then makes you willing to spend more money for me to squander! More and more people who have spent their life savings are investing in me, and I just need to watch Looking at the ledger, I either think it is enough, or the next payment will cause the money in my pocket to drop sharply. At this time, I will take the money and leave."

After learning about the Ponzi scheme explained by Tang Xin, Sun Dao rubbed his chin thoughtfully and said, "Isn't this just a pyramid scheme? Pyramid model."

Tang Xin snorted and said disdainfully: "There is nothing comparable to the non-technical means of pyramid schemes. Too many people who want to imitate Ponzi schemes are reluctant to release the money they get. It's like some pyramid schemes now. You pay the money and not only There is no return, and I have to be controlled and brainwashed. I can’t understand how such an investment is attractive, let alone need to recruit downlines like going to work. Similar to senior salesmen of insurance companies who defraud insurance, they only need to forge company seal documents and provide Private bank account, you can take the policyholder’s money into your own pocket when developing your business. Private issuance of false stocks, equity transfer letters, and private equity funds, etc., in fact, have never surpassed Ponzi fraud, no matter the means or Its attractiveness cannot achieve that the blue is better than the blue."

After Tang Xin basically finished what he wanted to say, he made a conclusion.

"Friends, a scam almost 100 years ago in the last century is still popular in China today by crappy imitators. What is the reason? It is greed and ignorance! If you are not greedy and rational, you will not Seduced by abnormally high returns. You are not ignorant, at least you will understand the situation of your investment objects. So, when you have money in the future, if someone recommends you to make a high-return investment that is stable and not lost, I hope Keep your heads clear and at least ask yourself: what good thing have you done to make the pie fall from the sky fall on your head?"

Tang Xin's words benefited the people present a lot, and a bell rang in their minds.

Lin Xue lowered her head in embarrassment, but Sun Dao still comforted her: "Your speculation in gold is different from what he said."

Is it different?

Sun Dao smiled wryly in his heart. In fact, they are all the same, they are all greedy and ignorant, and the ways of giving money to others are just different.

Qiu Qiang listened very carefully when Tang Xin was speaking, and nodded frequently, but he fell into doubt.

"Tang Xin, the high return you mentioned, how much return is considered high? Like the Fengya Fund managed by Dong Fucai, the profit is very high every year. Is it fake?"

Hearing Qiu Qiang mention Dong Fucai's name, Tang Xin put his arms around his chest and said with a sneer, "You forgot what I said earlier? Policy. Qiu Qiang, today I will tell you about the Fengya Fund from the bottom of my heart."

Qiu Qiang was taken aback, and stretched out his hand to ask Tang Xinzhi to say everything.

Tang Xin said with a blank expression: "I know you admire Dong Fucai, and his Fengya Fund has indeed risen with almost a mythical momentum in these years, but you must understand one fact! Soros' Quantum Fund, before closing In the glory days, the average annual rate of return was about 30%. Before 2000, the height of Robertson’s Tiger Fund was almost the same as that of Dong Fucai’s peak. The most famous funds in the world, Yalin Fund and Mida Fund Wait, they are all admired by investors because they created a rate of return of more than 30%! Do you think that Dong Fu has become a financial godfather after returning from studying abroad? Ordinary funds can have a stable rate of return of 5%. The common people are flocking to it? Why? Because it is higher than the fixed interest rate of the bank! It can be sold at any time, but what about the deposit bank? It becomes a demand deposit if it is withdrawn before the maturity date!"

"Are you saying that Dong Fucai's Fengya Fund falsely reported its profits?"

Qiu Qiang's face was full of confusion, and he always felt that there was a contrast in the impression of the characters he had always admired in his mind.

Tang Xin shook his head and said coldly: "No, it's just that I'd rather believe that his Fengya Fund is making money by relying on the information of his contacts. Otherwise, he really has the ability, so why stay in the country? Moreover, the announced profit rate of Fengya Fund, said It might have shrunk."

Qiu Qiang shook his head and sighed, touched his face, feeling very lost.

"Hey, Tang Xin, why are you digressing again?"

Xia Qingying yelled in dissatisfaction. She couldn't understand a word of the conversation between Tang Xin and Qiu Qiang.

Tang Xin was taken aback, and asked, "I've finished what I should say, is there anything else I don't understand?"

"Ye Qiu's father's stock?"

"Didn't you think about it? Did I say so much just now? Now there's a piece of cake that's going to be thrown at Ye Qiu's father's head!"

Everyone looked at Tang Xin speechlessly, and Tang Xin also felt uncomfortable.

After all, these people can't think for themselves!