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Regardless of whether it is mining or planting trees and raising ants, this kind of private self is carried out with high returns as a selling point, generally speaking, as long as the rate of return on profits exceeds common sense, then there may be illegal fundraising.

Many people's earliest impression of illegal fundraising is that it was in the early 90s.

At that time, the domestic financial order had just been established, and some lawless elements took the opportunity to fish in troubled waters, and the collusion between officials and businessmen to create a false illusion of prosperity and raise funds from the masses who did not know the truth became the characteristic of the time. The 3.2 billion yuan illegal fund-raising case of Mrs. Deng Bin in Wuxi was thrilling, which attracted the attention of the whole country for a while, and also triggered the rectification of the national financial system. This is also the first wave of illegal fundraising.

Of course, the funds raised are not all lost, and in Lishui, Zhejiang, the local people have raised funds to invest in the construction of small hydropower, and the profits are extremely rich. At that time, the policy was not comprehensive and standardized, and the profits of investing in small hydropower stations were extremely high. At first, the common people did not know about these things, and the main participants were government officials.

How profitable was it then? For example, if you invest 10,000 yuan at the beginning of the year, you may get up to 100,000 yuan at the end of the year. Many of the civil servants who originally earned a monthly salary of several hundred yuan could become high-income classes in Lishui, and played an important role in Lishui's commerce and private investment in the future, which had a lot to do with the profits they obtained from their investment back then.

Until now, Lishui is still known as the first small hydropower city in China, and there are 120 small hydropower stations in Jinjiang County, Lishui alone. In recent years, Lishui small hydropower investment has begun to export funds to other provinces to earn profits. ()

As for the illegal fund-raising case of Mrs. Deng Bin, who had the greatest impact and was involved in the largest number of cases, it was officially filed in August this year and is still in progress.

Mrs. Deng Bin, a 57-year-old woman from Wuxi Xinxing Company, led a major case of illegal fund-raising that swept through southern Jiangsu like a tornado. Relying on a strong political background, Deng Bin used the banner of supporting economic construction and used high returns as bait to defraud more than 3.2 billion yuan in fund-raising. In the two hardest-hit areas of Wuxi and Jiangyin, there have been batch after batch of units that have suffered from the catastrophe, and many of them are advanced models that have been interviewed by the state media. In all fairness, it is difficult to blame them for not being vigilant, it is really Deng Bin who is too big and too confusing.

Although the case has not yet come to an end, the high-level investigation into the Wuxi Deng Bin fund-raising case is nearing completion. Deng Bin, as a female worker in a street factory, is unlikely to have the energy to pull 3.2 billion yuan. Zhou Beibei, who is known as Zhou Gongzi in Hong Kong's wealthy circle, Chen Jian, the secretary of **, and He Shiping, another high-level secretary, have been arrested one after another.

And the people behind them, Wang Baosen and **, also showed their problems. There are more than 50 cadres involved in the case at or above the prefectural and department level.

Just like the demons that Sun Wukong encountered in "Journey to the West", whenever the golden hoop stick was about to hit the ground, there was always a god in the sky who came to save him. (Mobile AP browsing search/search/999) Deng Bin is just a ghost, but she has someone in the sky.

If you want to be rich, build roads first. The high-ranking officials in the heavens want to build roads in the markets on the ground and find white gloves, and those who want to break the rules of the law and suddenly get rich must also build roads, build a road to the sky. If the two sides hit it off, they will naturally be able to do something earth-shattering.

Although Deng Bin's case has not been announced to the public until now, this does not prevent Fan Wuxi from having a more in-depth understanding of this, and his understanding of these things is far deeper than that of his father Fan Heng. Although Fan Heng is already a leading cadre at the ministerial level, he is much inferior to Fan Wuxian in terms of channels for obtaining intelligence.

As a result of the outbreak of the Shen Taifu and Deng Bin problems, state legislation began to control private fund-raising, and the "Commercial Bank Law," the "Decision on Punishing Crimes Undermining Financial Order," and the "Criminal Law" stipulate three crimes: the crime of illegally absorbing public deposits, the crime of fund-raising fraud, and the crime of issuing stocks, companies, and enterprise bonds, and stipulate the relevant administrative law enforcement and legal liability for non-governmental fund-raising. The Supreme People's Court issued the Minutes of the National Symposium on the Trial of Financial Crime Cases by Courts, and the Supreme People's Procuratorate and the Ministry of Public Security issued the Provisions on the Standards for Prosecution of Economic Crime Cases. (All overspeed updates: search/search/9/9/9/COM)

As a result, illegal fundraising cases in the economic field and the market have been cracked down on in accordance with the law, and with the intensity of the crackdown, illegal fundraising cases have shown ups and downs, but they have not disappeared from them.

In general, some private fund-raising behaviors are directly through high-interest loans to absorb funds, some through the issuance of securities, membership cards or debt certificates and other forms of absorption, and some are equal shares of property, real estate and other assets, through the sale of their share disposal rights for high-interest fund-raising, and some are the use of private associations, societies and other organizations to raise funds, and there are also the use of the issuance or disguised issuance of lottery tickets to raise funds, or the use of orchards and manor development in the name of fund-raising.

"Panshi's current private fundraising is mainly focused on the construction of coal mines, iron mines, and small hydropower, and these projects have a lot to do with luck, so the return is often uncertain." Fan Heng said to his son Fan Wuxian.

The situation of Panshi is also related to the government's guidance, everyone can see how big the return on coal and iron investment is, once the small coal mine is opened, it is to dig out money every day. You only need to pay a little labor cost every day, at most you are paying a little electricity bill or something, and digging out the land is money.

This kind of temptation is not many people can resist, so the people who participate in the fundraising are flocking, and the return rate given by the fundraiser is also very high, about 50% of the annual interest, attracting many people to participate. (For more new chapters, please go to, search/search/nine/nine/nine/)

"This wind can't last." Fan Wuxian frowned and said to his father Fan Heng, "The most important point is that the purpose of this illegal fund-raising by the private sector is not pure, and this collective common prosperity investment is different, but an illegal means to interfere with normal international financing for the purpose of short-term profit." Now that the state is vigorously rectifying this kind of limelight, we cannot open this opening. Moreover, once something goes wrong, it is the common people who will suffer from the benefits, and they do not know who will bear the responsibility, and the government will have to come forward to solve the problem for them. ”

"I'm getting people to sort out the materials in this area, and I'm also learning about the relevant handling policies from above, so as to stop this unhealthy trend as soon as possible." Fan Heng said to his son.

Fan Wuxian nodded, but he thought of something else in his heart.

State system

The regulations on the regulation of private fund-raising and its law enforcement are beyond reproach and are based on the concept of financial business concession and strengthening financial supervision, with little regard for the purpose and results of private fund-raising.

The characteristic of this kind of state-enacted law is that it does not consider whether the investor uses the funds for production and operation, public welfare undertakings or others, but it has a strong regulatory color rather than a guiding color, and it also takes less into account the legitimate financial interests of the private economy, small and medium-sized enterprises, and the reality of lack of financial channels. ()

In fact, the existing formal financial institutions cannot solve the problem of the legitimate financial interests of the private economy and small and medium-sized enterprises in terms of channels and service methods.

Just like Wanyan Company, such a high-tech private enterprise, if it is not without convenient financing channels, it will not fall to the point where it needs to be sold at a low price, if it is not for Fan Wuxian himself to stretch out a hand, the end is also predictable, it will be the same as the original, gradually fall into the category of third-rate enterprises, and gradually disappear in the long river of history.

Fan Wuxian remembered this matter, so he chatted with his father Fan Heng very casually, and then said to him, "The domestic economic order has just been established, and there are imperfections in many places. ”

"So what do you suggest? How do foreign countries generally deal with these things? Fan Heng asked with great interest.

"In foreign countries, there are many channels for financing, and the most common is venture capital." Fan replied.

Venture capital is a conventional concept with a specific connotation, in fact, it is more appropriate to translate it as venture capital.

Venture capital in a broad sense refers to all investments with high risk and high potential returns. .COM Venture capital in the narrow sense refers to the investment in the production and operation of technology-intensive products based on high and new technology.

According to the definition of the National Venture Capital Association, venture capital is a kind of equity capital invested by professional financiers in new, fast-growing enterprises with great competitive potential.

From the perspective of investment behavior, venture capital is an investment process in which capital is invested in the research and development of high-tech and its products that contain the risk of failure, aiming to promote the commercialization and industrialization of high-tech achievements as soon as possible in order to obtain high capital returns.

From the perspective of operation mode, it refers to the process of investing risk capital from investment intermediaries under the management of professional talents to high-tech enterprises with special potential, and it is also an investment method that coordinates the relationship between venture capitalists, technical experts and investors, and shares benefits and risks.

Venture capital generally operates in the form of venture capital funds. A venture capital fund is legally structured in the form of a limited partnership, while a venture capital company acts as a general partner to manage the fund's investment operations and receive corresponding remuneration. Venture capital funds in the U.S. that adopt a limited partnership system can receive preferential treatment, and the government encourages the development of venture capital in this way.

Venture capital is a type of equity capital, not borrowed capital. Venture capital: Equity capital invested in a venture enterprise generally accounts for more than 30% of the total capital of the enterprise. Venture capital is an expensive source of funding for high-tech innovators, but it may be the only viable source of funding. Although bank loans are relatively cheap, bank loans avoid risks, safety comes first, and high-tech innovative enterprises cannot get it.

"Bank loans emphasize safety and avoid risks, while venture capital prefers high-risk projects, chasing high returns hidden after high risks, aiming to manage risks and control risks. Bank loans focus on the current situation of the enterprise, the current capital turnover and repayment ability of the enterprise, while venture capital focuses on future returns and high growth. Bank loans are assessed on physical indicators, while venture capital assesses whether the management team of the invested enterprise has management level and entrepreneurial spirit, and the future market of high-tech is assessed. "The most important point is that bank loans need to be mortgaged and guaranteed, and they are generally invested in enterprises in the growth and mature stage, while venture capital does not need to be mortgaged or guaranteed, it invests in emerging and fast-growing enterprises and projects." ”

Fan Heng frowned again and again when he heard this, so he asked Fan Wuxian, "So, the capital of venture capital may not be able to be recovered smoothly, right?" The so-called risk, isn't it here? ”

Fan Wuxi nodded and replied, "That's true, it's like gambling, I'm willing to gamble and lose, winning is a million profits, and if I lose, I may go home with my bare butt, it's that simple." ”

Then Fan Wuxian said to his father Fan Heng, "Risk and reward are always complementary to each other, there can be no good thing in the world that is not earned, since you want to pursue profits, you should see the huge risks hidden behind profits."

At this point, foreigners have long been ahead of us. ”

Fan Heng lay on the sofa, tapping his fingers lightly on the backrest, and after a long time, he suddenly asked, "No disease, you should have a lot of money now, right?" ”

"Well, a lot, a lot." Fan Wuxi nodded with a slight smile.

He knew what his father Fan Heng meant, so Fan Wuxian thought about it for a while and said, "If I cash out, I will probably be able to concentrate about 300 billion US dollars in wealth, but if I wait until four or five years later, the total amount of these wealth will increase to more than 1 trillion US dollars." ”

Hearing his son's words, Fan Wuxian was silent for a long time, and after a long time, he smiled bitterly, "The country's foreign exchange reserves are only 30 billion US dollars, you really can do it!" Hey, the words rich and rival the country are actually used to describe my son? Hehe, what a thing I never dreamed of! ”

Fan Wuxian smiled, and didn't say anything modest, his estimation was still a little conservative, at least the value of those acquired Internet companies was enough to exceed the value of trillions of dollars, plus some small companies with a total of seventy-seven eighty-eight, but they were all cash cows!

At that time, as long as you make a move, you will not have to worry about not having a large amount of money to develop a brighter industry, and all you have to do is just a few years of waiting.

In addition, you can't let your time go to waste, and finding something to do not only pass the time, but also make a small contribution to your own income.

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