Virtual currency of the General Administration for Industry and

1.

Yes, yunzun coin has been confirmed as MLM. Yunzun coin and Wuxing coin belong to the virtual currency of yunzun group

Relevant reports:

in 2013, an organization called "Cloud Data Trade" was designated as one of the top ten pyramid schemes by the State Administration for Instry and Commerce and the Ministry of public security, and its leader Zhang Jian fled to Southeast Asia

I thought that this MLM organization would be wiped out, but what I didn't expect was that the reporter of jinyang.com recently received a report from the masses, and "Cloud Data Trade" not only didn't disappear, but made a big comeback with a new "vest"

according to the police's notice, since 2012, the suspect Song Ming autumn (Zhang Jian is the pseudonym of song) relies on the cloud number trade alliance website, with high rebate as t, requires participants to pay different amounts of fees, become indivial certified merchants, enterprise certification merchants and alliance certification merchants, and then pay dividends and bonus according to the participants' offline development. Participants in accordance with the time to join and the amount of investment to form a certain level

by the end of the case, more than 190000 members from 28 provinces had been developed, involving 160 million yuan

this case was also listed as one of the top ten MLM cases in that year

After that, Zhang Jian fled to Southeast Asia and other countries. First, he came to Malaysia to continue to carry out pyramid selling and develop 80000 people. Then, he came to Thailand to set up a company named Cloud Data Trade under a false identity and continue to engage in pyramid selling activities in Thailand

at the end of October 2014, Zhang Jian was arrested by Thai police

according to people familiar with the matter, Zhang Jian was released from prison in Thailand on November 25, 2016, and then began to make a comeback of "five element coin"

at this time, Zhang Jian, packaged by his friends, became "the richest man in the world" and shouldered a "major mission"

the reporter saw all kinds of astonishing boasting on some publicity materials of Cloud Data Trade: "three secret weapons have been arranged, that is, three people have been trained to revitalize China. One of them is Zhang Jian, who is responsible for establishing a local Internet with 100% equity in China, The purpose is to make common people become shareholders, create rich income and create a large number of middle class... "

people of cloud data trade even tampered with the CCTV news broadcast, making people mistakenly think that the news broadcast is promoting cloud data trade

the comeback of cloud data trade is not low-key

recently, Su Shi, the female host of Sichuan TV station, apologized on her micro blog, saying that she did not distinguish and mistakenly thought that she was hosting a charity party, but did not think that it was actually an activity organized by a pyramid marketing organization

CCTV host Zhang Luxin also apologized

and the two so-called charity parties held in Cheng and Beijing are just hosted by "Beijing Digital Trade film", the transformation of cloud digital trade

Su Shi, who didn't know about it, also said in his hosting speech: "under the wise leadership of general manager Zhang Jian, we are marching towards one honor after another with firm and steady steps...

and the reason why cloud data trade wants to make great efforts is precisely to promote its so-called" five element currency "project

in the publicity of cloud data trade, this is the digital currency in the research and development of the central bank. Cloud Data Trade launched a special "five element coin" disk, which is known as the global limited issue of 500 million pieces

"boss (referring to Zhang Jian) went through the customs... He personally launched the five element coin. Following the five element system, all virtual currencies will belong to the five element coin. Ten thousand yuan will be unified, and the world will be unified with the five element coin..." according to the investment plan of the five element coin obtained by the reporter, its form is nothing more than a variety of toutoujiao es: according to the amount of investment, Participants can get different levels and different amounts of five line coins, and then get the corresponding level recommendation bonus through the registration point of recommended friends

in the interview, the reporter found that most of the people who participated in the "five element coin" were middle-aged and old people, and many people were "obsessed" with it, so they could not extricate themselves

correspondingly, their children are particularly sober, knowing that cloud data trade is a pyramid selling organization, but it is difficult to make their parents go back

a woman told the Yangcheng Evening News that her mother, Ms. Xu, has also joined the "Cloud Data Trade" and become a member. Now she is a group leader. Ms. Xu becomes a "shareholder" through a recommender. If the other party takes out 7700 yuan, Ms. Xu can get 1000 five lines of currency, and the exchange ratio between e-currency and cash is 1:1.65

"all dividends are paid in electronic currency. It's equivalent to getting real gold and silver, and only getting a virtual number on an unrecognized system. "

for her mother, the daughter can do nothing. The reporter opened Ms. Xu's circle of friends and found that all the contents shared were related to the "five element coin" project. However, the logic of the content was very poor and it was not convincing. People with poor image and low-quality video would not believe it

extended materials:

related reports:

Zhang Jian is no stranger. He founded cloud data trade, gathered a large number of believers around the world, and finally became a street mouse. Even after he was arrested and put into prison, Zhang Jian's capital market is still running smoothly, and various other capital markets have evolved, such as cloud data trade, five element coin, cloud smart, Jianye coin, and yunzun coin, which have direct or indirect relations with Zhang Jian, forming a huge capital market group

yunzun coin is said to be a blockchain proct, but the real way to play is not mining proction, but hierarchical purchase by pulling down the line

the pyramid selling nature of the five element coin has been exposed by focus interview, and Zhang Jian has also been arrested by the Public Security Bureau

the procts of yunzun group are not worth investing, and the risk is very high, so illegal fund-raising is no doubt

1. The official websites and websites are all in foreign countries. China has not found the corresponding filing proceres, but the funds and operations are all in China. Once they run away, they can not catch "criminals"

2 and Yun Zun are all registered in the name of indivials. They dare not register in the name of the company. There are no domestic entities at all. They are all offline in China

3. There is only one email, company address, telephone and other information in the official website. The IP address in the United States is pyramid selling under the guise of digital currency

2. The Ministry of public security is not fighting, but has been trying to fight. But China is so big that it's hard to ban pyramid selling at home. The four ministries and commissions of Huzhu finance have issued risk tips, but there are still a lot of people playing, resulting in heavy losses. Police around the country also reported that a number of digital money pyramid schemes have been destroyed
of course, virtual currencies are not all pyramid schemes, such as bitcoin, lightcoin, decent and so on.

3.

Basic routine: the "trading market" of MLM digital currency is basically controlled by specific institutions. In order to attract investors' investment in the early stage, the currency price may be very high. Once the time is ripe, it will be sold intensively, and the price will plummet, and the investors will lose all their money

There are three characteristics of digital money MLM:

1. Digital money is a real proct, and it is highly packaged

2. The participants can get a head pulling reward, and the prize is the digital currency itself

3. Digital currency will appreciate with the increase of participants in the scam. In the cycle of digital currency appreciation, the number of participants who can obtain digital currency will also increase, and the participants, including the lowest level participants, will also gain, but in the cycle of devaluation, the bottom level participants often lose a lot

in 2017, the Internet Finance Association of Jiangsu Province issued the "internet pyramid selling identification guide", which named 26 so-called digital currencies as illegal pyramid selling projects covered or suspected to be covered with digital currency. They are: treasure money, Baichuan money, SMI, MBI, mark money, Diablo money, mmm, Fuda compound wealth management, carat money, V treasure, Vicat money, petroleum money, Huaqiang money, CB aiib Hong Kong Group, Yuansheng, Morgan money, beta money, WorldCom, u money, Jubao, 21st century fox, Wanxi wealth management, Wanfu money, Wuxing money, Yi money, Zhonghua money, etc

extended materials:

five ways to distinguish whether digital currency is pyramid selling currency:

1. Issuance mode

virtual currency does not rely on specific monetary institutions. It is proced by a large number of calculations according to specific algorithms, and is a decentralized issuance mode. Each different terminal node is responsible for maintaining the same account book, and the maintenance process is mainly to package and encrypt the transaction information by the algorithm, while the MLM currency is mainly issued by a certain organization, and the profit is made by pulling the head

2. Transaction mode

virtual currency is a kind of sporadic transaction spontaneously formed in the market, which is graally completed by a third party establishing an exchange after the scale is formed. The MLM currency is issued by an institution and traded on its own platform

3. Implementation method

virtual currency itself is an open source program, which is maintained in GitHub community. The parameters and methods of the total amount limit are shown in the open source code. The open source of MLM currency is completely ing other people's open source code, and there is no use of open source code to build programs, so its essence is controlled by the website like Q currency

4, whether to give the source code link

General decentralized digital currency will give the source code link in the prominent position of the official website, so as to show the operation mechanism of the monetary system openly and transparently. The MLM currency focuses on the transaction process of recharge purchase, but does not mention its operation mechanism. Even the website does not have the link address of the source code

5, whether the official website starts with HTTPS

generally, the addresses of the official website and trading website of decentralized digital currency start with HTTPS, and the purpose is that this kind of website can well protect the user's data from illegal theft. But the official website of MLM currency, trading website and other related websites do not start with HTTPS

4.

The national strategy platform has been confirmed by the police as a pyramid selling organization. The national strategy is a government action and will never solicit funds from indivials

Huashang Daily reported on August 14, 2017 that Li Wenxing, a graate of Northeast University, mistakenly entered the MLM organization and eventually died, and Zhang Chao, a man from Shandong Province, entered the MLM organization and died, which made MLM become a hot topic in recent years. In the early hours of last Friday, the police in Xi'an sent out more than 1000 police forces to destroy 429 pyramid schemes and seize 1373 pyramid schemes. Let Xi'an and the surrounding areas of MLM situation once again into the public eye

in recent days, the reporter of China Business Daily has interviewed some MLM cases through various channels to dig out the "money making story" behind MLM. It is impossible to guard against the fact that pyramid schemes are changing in many ways, and some are wearing "Internet plus" and "key projects". p>

if there is no accident, Yu Yajuan, a 21-year-old girl from Gansu Province, will graate from a national key university in Lanzhou in July 2017 and find a good job to repay her parents' hard work, find a like-minded partner and enjoy life... However, all this will come to an abrupt end with MLM
in March and April 2017, Yu Yajuan, a senior intern, needed to find an internship unit to complete her graation thesis. A netizen she met online was very enthusiastic and said that she could help her introce a good professional unit in Xi'an

At the beginning of May, Yu Yajuan came to Xi'an from Lanzhou and was picked up by netizens at the railway station, but instead of taking her to the "good unit", she was taken to a flat in a community, where there are more than a dozen men and women of her age. After going in, as the media reported many times before, she handed in her ID card, handed in her mobile phone, supervised by a special person, gave her lectures, asked her to pay money, claimed that if she paid 2900 yuan, she could make 3 million yuan a year... Yes, she fell into the MLM organization

However, Yu Yajuan still didn't think she had joined the MLM organization until she was taken out of the MLM dens by the police. She told the police that she was engaged in a legitimate instry, not an illegal MLM organization

Yu Yajuan, who has always made outstanding achievements on campus, adapts very quickly after entering the MLM organization. Every day, she plays cards, chats with others, participates in "crazy training camp" and listens to her superiors' courses on how to become gold medal sales. Although she has never seen the "procts" that her superiors sell, she eats either potatoes or lotus white dishes every day, But she, like everyone else, dreams of making three million a year

not only that, she was highly ecated, and was highly valued by her superiors. She quickly upgraded from a junior member to a "boss" and became a MLM leader

Today, Yu Yajuan is being held for the crime of illegal detention. Because she was involved in the case ring her internship, she has lost the chance to get her university diploma in July and will face a fixed-term imprisonment. This criminal record will have a great impact on her future work and life

learned that the Chinese business newspaper reporter has learned that apart from traditional pyramid schemes for making money and making money, there are many new pyramid schemes that are under the banner of "Internet plus" and "National Engineering". One belt, one road, p>

, for example, some pyramid schemes organize the activities of some important people to be sold to pyramid selling propaganda, and cheat money in the name of "Internet plus" under the banner of "Internet +", "mass entrepreneurship" and "one belt and one road". The main leader of a pyramid selling organization is only primary school culture, but it can be described as a major project that is consistent with the "Internet plus" strategy of the state. There is also a new type of pyramid selling, which breaks the restriction of region and relatives and friends with the help of Internet tools, and spreads faster and wider

Internet plus, director of China Electronic Commerce Research Center, told China Daily reporter that, in addition to some participants who made big money, they still had a lack of better financing channels. P2P, Internet finance problems and stock market were very low, and investors were confused. With the concept of high-tech, Internet and state support, some pyramid schemes are easy to confuse the groups who lack social experience and discrimination ability and are eager to make a lot of money to change their life

In recent years, with the help of Internet, MLM has developed into Internet MLM, engaging in MLM activities in the name of so-called "shopping rebate", "micro business", "e-commerce", "multi-layer distribution", "consumer investment" and "love and mutual assistance", which is more closed in organization, more hidden in transaction and worse in means, and more and more reflects the characteristics of high intelligence

in view of the severe form of online pyramid selling, the State Administration for Instry and Commerce issued the notice on further investigating and dealing with online pyramid selling in 2016, which clearly pointed out that it was necessary to strengthen the linkage of departments, supervise and deal with online pyramid selling organizations

on May 31, 2018, the Economic Investigation Bureau of the Ministry of public security revealed seven types of pyramid schemes to remind the public to be vigilant. Among them, virtual currency, consumer rebate, wechat mobile game and financial mutual aid are related to the Internet, and the other three traditional types of MLM, namely, proct prop, capital operation and charity mutual aid, can not be ignored

the case of "1040 project" is the most typical case of capital operation. In the name of capital operation and "western development", this kind of pyramid scheme is falsely publicized under the guise of "state support" and "government background", and set up a pyramid scheme by means of "chain franchise" and "investment and development", or by means of investigation, tourism, franchise and establishment of workstations

according to the introction, most of the pyramid schemes under the guise of "charity assistance" and "love and mutual assistance" claim to have official background and cheat the masses in the name of "doing charity to build a harmonious home" and "love to support poor students"

< H2 > extended information:

on December 16, 2016, the reporter learned from Jinchang that in recent days, the inventory team composed of relevant personnel from public security, instry and commerce, comprehensive management, civil affairs, justice and other departments has carried out centralized cleaning of rental houses in some residential areas in Jinchuan district. A total of 74 rental houses were checked, an illegal pyramid scheme was removed, and 36 people were arrested

In the early stage, the law enforcement officers learned that the MLM personnel engaged in illegal and criminal activities in the name of the "5321" national strategic platform for the economic development of the western region“ The "5321 project of prospering the border and enriching the people" is spread rapidly in the name of the national strategy of developing the western region by means of capitalizing and collecting fees. Up to now, there are up to 2000 registered MLM offenders

on December 14, in a rental house in longquanli, the law enforcement officers made a decision to punish the couple surnamed Zhang who were engaged in MLM. In the inventory operation, law enforcement officers confiscate the illegal MLM procts in the rental houses where the illegal MLM personnel live

5.

The financial laws in China's financial supervision mainly include: Law of the people's Bank of China, commercial bank law, bill law, guarantee law, insurance law, securities law, trust law, securities investment fund law and banking supervision and management law

Financial laws and regulations mainly include: Regulations on the administration of savings, regulations on the administration of enterprise bonds, regulations on the administration of foreign exchange, measures for banning illegal financial institutions and illegal financial business activities, and measures for punishing illegal financial acts

regulations on the administration of RMB, Interim Regulations on the board of supervisors of key state-owned financial institutions and regulations on the real name system of indivial deposit accounts

regulations on financial asset management companies, regulations on the revocation of financial institutions, regulations on the administration of foreign insurance companies, regulations on the administration of foreign banks and regulations on the administration of futures trading

Interim Measures for the administration of central enterprise bond issuance, regulations on risk management of securities companies, regulations on supervision and administration of securities companies, etc

< H2 > extended data:

financial supervision system is the way and organizational system of responsibility division and power distribution of financial supervision. The main international financial supervision system can be divided into two-line multi supervision system, one-line multi supervision system and single supervision system

Financial supervision system is the proct of the history and national conditions of various countries. The basic principle of establishing the mode of supervision system is not only to improve the efficiency of supervision and avoid excessive overlapping and mutual restriction of responsibilities, but also to pay attention to the mutual restriction of power and avoid excessive concentration of power

in the case that the supervision power is relatively concentrated in one supervision subject, scientific and reasonable division of internal power and division of responsibilities must be implemented to ensure the correct exercise of supervision power

on April 27, 2018, the guidance on standardizing the asset management business of financial institutions was officially released, which is referred to as the "new asset management rules" in the instry

the establishment of major policy standards such as breaking rigid cashing, banning multi-layer nesting and restraining channel business will promote the development of the asset management instry to return to its original source, and the licensees with prudent investment strategy will usher in major strategic advantages

If a country wants to develop its economy, the first problem is money. With money, government agencies can pay civil servants, and various national policies can be implemented. There are two types of state institutions related to money: financial institutions and government institutions

Financial institutions in financial institutions, the State Council is the big boss. He has three financial institutions under his command: the central bank, the China Banking and Insurance Regulatory Commission and the China Securities Regulatory Commission

(1) people's Bank of China. Her daily work is printing and distributing banknotes, regulating currency circulation and guiding banking business. Among them, it is very important to guide the banking business, because the major banks are directly exposed to money, and the banks themselves are divided into policy banks and commercial banks

Policy banks are non-profit institutions, and the state needs to seek loans if it wants to carry out construction

Commercial banks, profit-making institutions, are closely related to the common people, such as the Agricultural Bank of China, instrial and Commercial Bank of China, Bank of China and China Construction Bank

the main management currency of the above institutions is RMB, and foreign currency is also managed by the central bank. However, she gave the job to the foreign exchange administration to manage foreign exchange

(2) CIRC

the people's Bank of China mainly controls the economy by sending jobs to banks, so the institution that supervises banks will mention CIRC, which mainly manages the daily operation of banks, such as banks want to open branches, changes in senior executives, etc. The CIRC also administers non bank financial institutions and insurance institutions

in 2018, the two committees merged the China Banking Regulatory Commission and the China Insurance Regulatory Commission into the China Banking and Insurance Regulatory Commission, because China's financial model has changed and entered the era of mixed operation, with frequent cross operations among various businesses, serious problems such as regulatory overlap and regulatory vacuum, and some new financial institutions, such as wealth companies, need the coordination of the two regulatory bodies, Otherwise, there will be a regulatory blind spot

the central bank and the CIRC have a lot of business intersection, and usually cooperate with each other, but the specific work is still different, the central bank is the business guidance, and the CIRC is the regulatory operation

(3) the terms "stocks, funds and futures" of China Securities Regulatory Commission (SFC) may be familiar to investors. The institutions that can operate these businesses are all elites among the elites, referred to as "jingzhongying" for short. If these institutions are not managed properly, the stability of the financial market will be affected unprecedentedly. It is the SFC that manages them

for example, if an enterprise wants to be listed, it needs to go to the CSRC for approval. Only when it is approved by the CSRC, the stock exchange will be ready and the enterprise can issue shares

the central bank, the China Banking and Insurance Regulatory Commission, and the China Securities Regulatory Commission all perform their respective ties and manage their own affairs, which are equal level relationships. They are the national financial institution system

2. The government should have its own department to manage the money, otherwise, how to deal with the tax collected? How to pay civil servants' wages? It's called the Ministry of finance, whose main responsibilities are: setting tax policies, issuing treasury bonds, and managing government revenues and expenditures

Because the Ministry of finance is a national institution, its structure has the typical characteristics of the government

Their working mode is also very simple: the Ministry of finance makes policies, the Department of Finance implements them, and the finance bureau implements them

The relationship between the central bank and the Ministry of finance is under the leadership of the State Council

when the state wants to manage the economy, it needs the cooperation of two institutions, such as "deleveraging" in recent years, the central bank makes banks "tighten", that is, less lending to enterprises, and the Ministry of finance should follow up "tightening", that is, the government should also spend less

summary of laws and regulations related to Internet Finance:

according to the people's Bank of China, Ministry of instry and information technology, Ministry of public security, Ministry of finance, State Administration for Instry and commerce, Legislative Affairs Office of the State Council, China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission

the guidance on promoting the healthy development of Internet Finance (YF [2015] No. 221, hereinafter referred to as the guidance) jointly issued by the state Internet Information Office on July 28, 2015

at present, China's legal Internet Finance formats include: Internet payment, Internet lending, equity crowdfunding, Internet fund sales, Internet insurance, Internet trust and Internet consumer finance

in addition to the traditional laws and regulations and regulatory systems and policies, the regulatory provisions specifically for new formats mainly start from the regulation of third-party payment institutions in the people's Bank of China Document No. 2 (administrative measures for payment services of non-financial institutions) in 2010 (it is generally believed that the development and supervision of payment business is also a landmark event in the development of China's Internet finance instry)

Document No. 221 (guidance) issued by ten ministries and commissions in 2015 is not only a comprehensive summary, carding and confirmation of Internet Financial formats in recent years, but also a programmatic and "guiding" document for the implementation of regulatory policies in the future

On August 23, 2011, China Banking Regulatory Commission (CBRC) issued the notice on risk warning of Renren loan [2011] No

this kind of intermediary companies collect information about borrowers and lenders, evaluate borrowers' collateral, such as real estate, cars, equipment, etc., then match them, and charge intermediary service fees

a lot of reports have been made on the operation and influence of such intermediary companies by the relevant media, which has aroused much attention. In this regard, the CBRC organized a special investigation, found a large number of potential risks and gave tips

It can be seen that the notice is only a risk warning document for Renren loan. At the inter ministerial joint meeting of nine ministries to deal with illegal fund-raising held on November 25, 2013, the central bank clearly defined the illegal fund-raising behavior of P2P network lending instry

mainly includes three types: fund pool mode; The risk of illegal fund-raising caused by unqualified borrowers and Ponzi scheme< On June 4, 2010, the people's Bank of China issued the measures for the administration of payment services of non financial institutions (No.2 [2010]). Article 1 of the measures stipulates that the purpose of the measures is to promote the healthy development of the payment service market, regulate the payment service behavior of non-financial institutions, prevent payment risks, and protect the legitimate rights and interests of the parties

Article 2 of the measures specifies that the payment services of non-financial institutions referred to in the Measures refer to the following part or all of the monetary fund transfer services provided by non-financial institutions as intermediaries between the payees and payers:

(1) online payment

(2) issuance and acceptance of prepaid cards

(3) bank card receipt

(4) other payment services determined by the people's Bank of China

the term "online payment" in the Measures refers to the behavior of transferring monetary funds between the payee and the payee relying on public network or private network, including currency exchange, Internet payment, mobile phone payment, fixed phone payment, digital TV payment, etc

the term "prepaid card" as mentioned in these Measures refers to the prepaid value of goods or services issued for profit and purchased outside the issuing institution, including prepaid cards issued in the form of cards, passwords, etc. by adopting magnetic stripe, chip and other technologies

the bank card acquiring in the Measures refers to the behavior of collecting monetary funds for the bank card merchants through the point of sale (POS) terminals The administrative measures for payment services of non-financial institutions is an important regulatory regulation for third-party payment< On June 4, 2009, the Ministry of culture and the Ministry of Commerce jointly issued the notice on strengthening the management of virtual currency in online games (Wen Shi Fa [2009] No. 20), which stipulates that market access should be strictly enforced and the management of issuers and providers of virtual currency trading services in online games should be strengthened

engaging in "online game virtual currency trading service" business must comply with the relevant provisions of the competent department of Commerce on e-commerce (platform) services. In addition to legal currency purchase, online game operation enterprises shall not provide online game virtual currency to users in any other way

on July 20, 2009, the Ministry of Culture issued the declaration guide for "online game virtual currency issuing enterprises" and "online game virtual currency trading enterprises", which provides operational guidance rules for the declaration and approval work of operating Internet cultural units applying for "online game virtual currency issuing service"< On September 28, 2008, the State Administration of Taxation made clear the tax treatment of virtual currency in the reply to the issue of personal income tax on the income of indivials from online trading of virtual currency (Guo Shui Han [2008] No. 818)

that is to say, the income obtained by indivials from purchasing players' virtual currency through the Internet and selling it to others after price increase belongs to the taxable income of indivial income tax, which should be calculated and paid according to the item of "income from property transfer"

6. I don't know if it's going to blow. If it's hot, it should be. Don't do things like MLM that will hurt you. If you believe this kind of thing, it's hard to come out, but if you go in, it's hard to come out, so you'd better not do these software, and you'd better not download them. Dad hurt himself.

7.

The General Administration for Instry and Commerce of the Ministry of public security focuses on investigating and dealing with the following four types of online pyramid selling activities:

first, online pyramid selling activities under the guise of "consumption rebate", "mutual fund", "virtual currency", "investment and financing", "online games"

Second, under the guise of "charity", "poverty alleviation", "innovation", "wealth sharing" and "civil military integration", the online pyramid selling activities deliberately distort the relevant national policies

The third is the online pyramid selling activities that infringe on the vulnerable groups such as students, the minimum living allowance and the disabled

Fourthly, cross-border manipulation of online pyramid selling activities. At the same time, the core members, backbone members and "professional" participants of online pyramid selling organizations, as well as those who help transfer funds and provide website design and maintenance, shall be seriously investigated and dealt with in accordance with the law

extended information:

the regulations on the prohibition of pyramid schemes have been adopted at the 101st executive meeting of the State Council on August 10, 2005 and will come into force on November 1, 2005

criminal crackdown

since 2008, the illegal and criminal activities of organizing pyramid selling by means of "pulling the head" and collecting "entry fees" have occurred from time to time, seriously disrupting social order and affecting social stability. The Legislative Affairs Office of the State Council, the Ministry of public security, the State Administration for Instry and Commerce and other departments have proposed that in order to better combat the crime of organizing pyramid selling, special provisions should be made in the criminal law on the crime of organizing and leading pyramid selling

amendment VII to the criminal law of the people's Republic of China adds an article after article 224 of the criminal law as one of article 224: "in the name of business activities such as selling goods and providing services, organizations and leaders require participants to pay fees or purchase goods and services to obtain the qualification to join, and form levels in a certain order, Whoever directly or indirectly uses the number of development personnel as the basis for calculating remuneration or rebate, lures or coerces participants to continue to develop pyramid selling activities in which others participate, swindles money or property, or disturbs economic and social order, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and shall also be fined; If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than five years and shall also be fined. "

8. The guiding opinions on promoting the healthy development of Internet Finance

in order to encourage financial innovation, promote the healthy development of Internet finance, clarify regulatory responsibilities and regulate market order, with the consent of the Party Central Committee and the State Council, the people's Bank of China, the Ministry of instry and information technology, the Ministry of public security, the Ministry of finance, the State Administration for Instry and commerce, the Legislative Affairs Office of the State Council, the Recently, China Banking Regulatory Commission, China Securities Regulatory Commission, China Insurance Regulatory Commission and state Internet Information Office jointly issued the guidance on promoting the healthy development of Internet Finance (YF [2015] No. 221, hereinafter referred to as the guidance)

in accordance with the general requirements of "encouraging innovation, preventing risks, pursuing advantages and avoiding disadvantages, and healthy development", the guiding opinions put forward a series of policies and measures to encourage innovation and support the steady development of Internet finance, actively encourage the innovation of Internet Financial platforms, procts and services, encourage the mutual cooperation of practitioners, and broaden the financing channels of practitioners, We will continue to streamline administration and delegate power, implement and improve fiscal and taxation policies, and promote the construction of credit infrastructure and supporting service system

in accordance with the principle of "supervision according to law, moderate supervision, classified supervision, collaborative supervision and innovative supervision", the guidance has established the division of regulatory responsibilities for Internet payment, online lending, equity crowdfunding, Internet fund sales, Internet insurance, Internet trust and Internet consumer finance, and implemented the regulatory responsibilities, Clear business boundaries

the guidance adheres to the market-oriented development of Internet finance, follows the overall goal of serving the real economy, obeying macro-control and maintaining financial stability, effectively protects the legitimate rights and interests of consumers, maintains the market order of fair competition, manages the Internet instry, establishes a third-party deposit system for customer funds, information disclosure, and other aspects The system of risk warning and qualified investors, the protection of consumers' rights and interests, network and information security, anti money laundering and prevention of financial crimes, strengthening the self-discipline of Internet financial instry, regulatory coordination and data statistical monitoring and other aspects put forward specific requirements

in the next step, all relevant departments will conscientiously implement the requirements of the guidance according to the division of responsibilities of the guidance; Internet financial instry practitioners should carry out various business activities in accordance with the relevant provisions of the guidance End)

in recent years, Internet technology and information communication technology have made continuous breakthroughs to promote the rapid integration of Internet and finance, It promotes financial innovation and improves the efficiency of financial resource allocation, but there are also some problems and risks. In order to fully implement the spirit of the 18th National Congress of the Communist Party of China and the second, third and fourth plenary sessions of the 18th Central Committee of the Communist Party of China, in accordance with the decision-making and deployment of the Party Central Committee and the State Council, follow the general requirements of "encouraging innovation, preventing risks, seeking advantages and avoiding disadvantages, and healthy development", and proceed from the overall situation of healthy development of the financial instry, further promote financial reform and innovation and opening up, and promote the healthy development of Internet finance, With the consent of the Party Central Committee and the State Council, the following opinions are put forward<

first, encourage innovation and support the steady development of Internet Finance

Internet finance is a new financial business model in which traditional financial institutions and Internet enterprises (hereinafter referred to as practitioners) use Internet technology and information communication technology to realize financing, payment, investment and information intermediary services. The deep integration of Internet and finance is the general trend, which will have a more profound impact on investment mode, business, organization and service. Internet finance plays a positive role in promoting the development of small and micro enterprises and expanding employment, which is irreplaceable by existing financial institutions, and opens the door for public entrepreneurship and innovation. Promoting the healthy development of Internet finance is concive to improving the quality and efficiency of investment services, deepening financial reform, promoting financial innovation and development, expanding the opening of the financial instry to the outside world and building a multi-level financial system. As a new thing, Internet finance needs not only market driven, encouraging innovation, but also policy support to promote development

(1) actively encourage the innovation of Internet Financial platforms, procts and services to stimulate market vitality. Financial institutions such as banks, securities, insurance, funds, trusts and consumer finance are encouraged to rely on Internet technology to realize the transformation and upgrading of traditional financial businesses and services, and actively develop new procts and services based on Internet technology. We will support qualified financial institutions to build innovative Internet platforms and carry out online banking, online securities, online insurance, online fund sales and online consumer finance. We will support Internet enterprises to establish Internet Payment institutions, online lending platforms, equity crowdfunding financing platforms and online investment proct sales platforms in accordance with the law, and establish a multi-level investment service system serving the real economy, so as to better meet the investment and financing needs of small, medium and micro enterprises and indivials, and further expand the breadth and depth of Inclusive Finance. E-commerce enterprises are encouraged to build and improve their own online investment service system in line with financial laws and regulations, so as to effectively expand e-commerce supply chain business. Encourage the practitioners to actively carry out proct, service, technology and management innovation, and enhance the core competitiveness of the practitioners< (2) encourage the cooperation among the enterprises to realize the complementary advantages. Support all kinds of financial institutions to cooperate with Internet enterprises, and establish a good internet financial ecological environment and instrial chain. Financial institutions in the banking instry are encouraged to carry out business innovation and provide supporting services such as fund custody, payment and clearing for third-party payment institutions and online loan platforms. Support small and micro investment service institutions to carry out business cooperation with Internet enterprises to realize business model innovation. Support the cooperation between securities, funds, trusts, consumer finance and futures institutions and Internet enterprises, broaden the sales channels of investment procts and innovate the wealth management mode. Insurance companies are encouraged to cooperate with Internet enterprises to enhance the risk resistance ability of Internet financial enterprises< (3) broaden the financing channels of the practitioners and improve the financing environment. We will support social capital to initiate the establishment of Internet financial instry investment funds, and promote in-depth cooperation among practitioners, venture capital institutions, and instrial investment funds. High quality qualified institutions are encouraged to be listed on the main board, growth enterprise market and other domestic capital markets for financing. Banking financial institutions are encouraged to support the start-up institutions in accordance with various financial policies to support the development of small and micro enterprises. According to the characteristics of Internet enterprises, innovative investment models and services< (4) we should adhere to the principle of streamlining administration and delegating powers, and provide high-quality services. All financial regulatory departments should actively support financial institutions to carry out Internet financial business. In accordance with the laws and regulations, implement efficient management for qualified Internet enterprises to carry out relevant financial business. The administrative departments for Instry and commerce should support Internet enterprises to register for Instry and Commerce in accordance with the law. The competent department of telecommunications and the national Internet information management department should actively support the Internet financial business. The competent department of telecommunications supervises the telecommunication business involved in the Internet financial business, and the national Internet information management department is responsible for supervising the financial information service, Internet information content and other businesses. We should actively carry out legislative research in the field of Internet finance, timely issue relevant management regulations, and create a good institutional environment concive to the development of Internet finance. We will strengthen the protection of intellectual property rights, such as patents and trademarks, of employees. Encourage provincial governments to increase policy support for Internet finance. Support the establishment of specialized Internet finance research institutions, encourage the construction of Internet finance information exchange platform, and actively carry out Internet finance research< (5) implement and improve relevant fiscal and taxation policies. According to the principle of tax equity, the small-scale and start-up enterprises that meet the current tax policy conditions for small and medium-sized enterprises, especially small and micro enterprises, can enjoy preferential tax policies according to the regulations. Combined with the reform of replacing business tax with value-added tax in the financial instry, the tax policy of Internet finance should be improved as a whole. Implement the policy of pre tax addition and dection of new technology and new proct R & D expenses of the practitioners< (6) promote the construction of credit infrastructure and cultivate Internet financial supporting service system. Support the infrastructure construction of big data storage, network and information security maintenance and other technical fields. It is necessary to encourage institutions to establish credit information sharing platforms in accordance with the law. We will promote qualified relevant institutions to access the basic database of financial credit information. It is allowed for qualified institutions to apply for credit business license according to law. Support qualified credit intermediary organizations to carry out credit rating of Internet enterprises, and enhance the transparency of market information. Encourage accounting, auditing, legal, consulting and other intermediary service institutions to provide relevant professional services for Internet enterprises< Secondly, we should make clear the regulatory responsibility of Internet Finance according to the classification guidance. Strengthening the supervision of Internet finance is the internal requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and new form of business. We should formulate moderately loose regulatory policies to leave room and space for Internet finance innovation. We should encourage innovation and strengthen supervision to support each other, promote the healthy development of Internet Finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundary and access conditions of various formats, implement the regulatory responsibility, clarify the risk bottom line, protect the legal operation, and resolutely crack down on illegal and illegal behaviors< (7) Internet payment. Internet payment refers to the service of sending payment instructions and transferring monetary funds through computers, mobile phones and other devices relying on the Internet. Internet payment should always adhere to the purpose of serving the development of e-commerce and providing small, fast and convenient small and micro payment services for the society. Banking financial institutions and third-party payment institutions engaged in Internet payment should abide by the existing laws, regulations and regulatory provisions. If the third-party payment institution cooperates with other institutions, it should clearly define the rights and obligations of each party, and establish an effective risk isolation mechanism and customer rights and interests protection mechanism. It is necessary to fully disclose service information to customers, clearly indicate business risks, and not exaggerate the nature and function of payment service intermediary. Internet payment business is supervised by the people's Bank of China< (8) online lending. Network lending includes indivial network lending (P2P network lending) and network small loan. Indivial online lending refers to the direct lending between indivials through the Internet platform. Direct lending on indivial online lending platform belongs to the category of private lending, which is regulated by contract law, general principles of civil law and other laws and regulations as well as relevant judicial interpretations of the Supreme People's court. Indivial online lending should adhere to the platform function, and provide information interaction, matching, credit evaluation and other intermediary services for investors and financiers. Indivial network lending institutions should be clear about information intermediary

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take your time

10.

bus route: No.321 → no.4-06, the whole journey is about 17.9km

1. Walk about 680m from Northwest University (Chang'an campus) to the South Campus (East Gate) station of Northwest University

2. Take No.321, pass by 2 stops, and reach Cherry Blossom Square Station (you can also take No.616, No.616 interval, No.616 University weekend through train)

3. Walk about 200m, Get to Yinghua Square Station

4, take bus 4-06, pass 21 stops, get to mayingzhai station

5, walk about 1.6 km to Kunming pool