Virtual currency BB
Publish: 2021-04-28 11:57:59
1.
First of all, we need to understand what is MLM:
MLM refers to the illegal behavior of organizers and development personnel to obtain wealth by calculating and paying remuneration to the developed personnel based on the number or performance of the personnel directly or indirectly developed, or requiring the developed personnel to pay certain fees to obtain the qualification to join. The essence of MLM is "Ponzi scheme", that is to say, the money of later comers is distributed to the income of former comers
However, the new type of MLM does not restrict personal freedom, does not accept ID cards and mobile phones, and does not take classes collectively. Instead, it uses capital operation as a banner to pull people to cheat money, drives luxury cars, wears gold and silver, and uses money to attract your relatives and friends to join in, and finally makes you lose all your moneythen judge whether the ether coin is a kind of MLM, whether you need membership fee, whether you need to ask your relatives and friends to join
extended materials:
Ethereum is an underlying technology platform on which developers can create distributed applications. With the application, there will be transactions. With a transaction, you need money to complete the transaction. In this way, money has value, and investors' investment has a return. If the transaction volume on the platform is larger and larger, the demand for money will be higher and higher, and the money will be more and more valuable
from the perspective of image, bitcoin creates a kind of digital gold, while Ethereum creates a country, and Ethereum is the credit currency of the country
after bitcoin, there are thousands of digital virtual currencies in the world, many of which are completely deceptive in the guise of "digital currency". Previously, Haikou Municipal Public Security cracked down on a pyramid selling organization called "Eurasian currency", which operated on the internet pyramid selling platform, making more than 40000 investors cheated, involving 4.06 billion yuan. The field of virtual currency has just started, so we need to be cautious
resources : Ethernet money network
2.
1. The nature of the two currencies is different: bitcoin is an encrypted digital currency, and Morgan is a typical MLM currency
(1) bitcoin is a consensus network, contributing to a new payment system and a fully digital currency. It is the first decentralized peer-to-peer payment network, which is controlled by its users without a central management organization or middleman (2) Morgan is a kind of typical MLM currency, they often promise high income, the information of the founding operation team is not open, and they have the background of international large companies, so they put forward a set of seemingly reasonable economic theory
extension data: the harm of
network currency: the extensive application of
1 and virtual currency is also accelerating the rampant network robbers.
(1) in December 2006, the Shenzhen Public Security Bureau announced that it had cracked the country's largest theft network virtual property case, and 11 suspect was arrested. The gang used trojan virus to illegally steal virtual property such as tens of thousands of QQ numbers and QQ coins, and sold stolen goods on the network, making a profit of more than 700000 yuan
(2) in this case, the virtual currency Q was used as the standard of conviction and sentencing, and the police's arrest of illegal elements on suspicion of theft is a special case. The reason is that Tencent has filed with the Guangdong Provincial Price Bureau, and one q is equivalent to 1 yuan
(3) online currency is used more and more widely, for example, it can be used to buy anti-virus software online, vote for super girl, and some websites even use online currency to pay the moderator
2. Outside the business system, because indivial virtual currency has become the "equivalent" of RMB, or even "online RMB", which shows the role of "network hard currency", the illegal gains of illegal gambling can be cashed into RMB, which further promotes online gambling
3. The platform is shut down and running away. You can't get the money on the account, but you can still get the principal
4. A virtual currency
5. Brief introction: Guangzhou Bumblebee Software Co., Ltd. was established on March 1, 2014. Its main business scope is computer and auxiliary equipment repair
legal representative: Zhao Dong
time of establishment: March 1, 2014
registered capital: RMB 100000
Instrial and commercial registration number: 440106000897336
enterprise type: limited liability company (invested or controlled by natural person)
address: room 307, 188 Tang'an Road, Tianhe District, Guangzhou City
legal representative: Zhao Dong
time of establishment: March 1, 2014
registered capital: RMB 100000
Instrial and commercial registration number: 440106000897336
enterprise type: limited liability company (invested or controlled by natural person)
address: room 307, 188 Tang'an Road, Tianhe District, Guangzhou City
6. 1. Static income: the daily proction capacity of 800 investment is 8 coins (one coin is equivalent to 1 yuan). 35% of the 8 coins are fixed deposit (seed coin), that is, 2.8. A mint will be automatically generated from 800 every day, and the proction capacity is 1600 coins, 65% of the 8 currencies are cash coins, that is, 5.2 every day to 100 can be used for registration / cashing, 1:1 / consumption
2. Dynamic Income: recommend a reward of 100 COINS still according to the formula, 35% of the 35 coins are deposited in the seed coin to accelerate the generation of mint, 65% of the 65 coins are connected to the cash coin to accelerate the use of 100
3, When you recommend 10 people to become regional agents (10% of all the performance capacity of the 10 belts under the umbrella is related to you), that is, 0.8x10 = 8 coins / day (the first belt); when your 10 partners or business representatives also become regional agents, that is, 0.8x10x10 = 80 / day (the second belt); when your 10 regional agents also have their own 10 regional agents, that is, 0.8x10x10 = 800 / day (the third band) and so on: 8x10000 = 8000 / day, tie prize is capped at 10000 / day. If the direct recommendation does not meet the requirement of 10? Push one generation to get one generation, push two belts to get two belts, push three belts to get only three belts under the umbrella, push more belts to get more belts
4. Spot reward: Rules - the system will automatically line up from top to bottom → from left to right in turn → jump in a cycle of 6 coins on two floors (ranging from 100 to 600 coins) → the faster you jump, the higher the probability of picking up → spot refers to picking up money when you see someone in your placement system, and cash can be withdrawn when the gold coin reaches 100. There is no risk. Welcome to consult
2. Dynamic Income: recommend a reward of 100 COINS still according to the formula, 35% of the 35 coins are deposited in the seed coin to accelerate the generation of mint, 65% of the 65 coins are connected to the cash coin to accelerate the use of 100
3, When you recommend 10 people to become regional agents (10% of all the performance capacity of the 10 belts under the umbrella is related to you), that is, 0.8x10 = 8 coins / day (the first belt); when your 10 partners or business representatives also become regional agents, that is, 0.8x10x10 = 80 / day (the second belt); when your 10 regional agents also have their own 10 regional agents, that is, 0.8x10x10 = 800 / day (the third band) and so on: 8x10000 = 8000 / day, tie prize is capped at 10000 / day. If the direct recommendation does not meet the requirement of 10? Push one generation to get one generation, push two belts to get two belts, push three belts to get only three belts under the umbrella, push more belts to get more belts
4. Spot reward: Rules - the system will automatically line up from top to bottom → from left to right in turn → jump in a cycle of 6 coins on two floors (ranging from 100 to 600 coins) → the faster you jump, the higher the probability of picking up → spot refers to picking up money when you see someone in your placement system, and cash can be withdrawn when the gold coin reaches 100. There is no risk. Welcome to consult
7. Bbt gold coin is a kind of virtual currency, not legal tender. It is similar to bitcoin. However, bitcoin is relatively mature and recognized by more places, and other virtual currencies have greater risks< First, BBT gold coin is a kind of virtual currency; It was born on November 1, 2014 and operates synchronously all over the world; It is a kind of electronic virtual currency without the need of a central issuing institution, and the two sides of transaction transfer adopt point-to-point< The first step is to invest 800 yuan to buy a mint
Step 2: make 8 coins per day (1bbt = 1 RMB)
static income:
a mint can proce 1600 gold coins, of which 1040 can be withdrawn and 560 can be converted into gold seeds; You can cash in one to 100 gold coins and recover the cost first 1bbt = 1RMB)
Step 2: make 8 coins per day (1bbt = 1 RMB)
static income:
a mint can proce 1600 gold coins, of which 1040 can be withdrawn and 560 can be converted into gold seeds; You can cash in one to 100 gold coins and recover the cost first 1bbt = 1RMB)
8. P2P network lending (100% principal guarantee) (the highest 20% aging rate) (the lowest 50 yuan starting)
that is, peer-to-peer lending, or peer-to-peer credit, refers to a new business operation mode in which social subjects use the network platform of intermediary agencies to lend their own funds to those who are short of funds. It is the result of the development of private lending from "offline" to "online", and the embodiment of citizens' exercise of their property rights. With the development of network technology, the restriction of formal financing channels, the deconstruction of acquaintance society, the increasing inflation rate, the restriction of investment mode, and the continuous improvement of personal credit system, P2P network lending has been promoted< The characteristics of online loan investment are as follows:
1
in addition to the minimum investment of RMB 10000 required by lufax, the investment threshold of most online lending platforms is as low as RMB 50. Compared with the high threshold of trust and bank financial procts, online loan investment is a low threshold public financial proct, suitable for investors from all walks of life
2. The investment income is stable
as a loan proct with agreed interest rate, the return of online loan investment is relatively stable. Referring to the five-year lending interest rate level of China's online loan, on average, the overall yield level is about 20%. Of course, recently, with the emergence of new platforms with more marketing activities, the overall yield level has a rising trend. And the interest rate level of the mainstream online lending platform is steady and falling
3. The investment period can be planned freely
for online loan investment, you can choose the investment period according to your own needs and the actual situation in the future, and many platforms also allow investors to borrow money on the platform with unexpired investment as guarantee, so as to meet the unpredictable capital demand. This allows the liquidity of online loan investment to be released. Investors can not only refer to the future capital demand to choose the investment period, but also borrow money on the platform to withdraw cash quickly. To meet the needs of all kinds of funds
in real life
4. System risk is the main risk of online loan investment
as the network form of private lending, the credit risk is the main risk, that is, if the borrower does not pay back the money, then the investor may lose the principal. However, in China, many online loan platforms, as fund intermediaries, play the role of guarantors. If the borrower fails to repay on time, then the online loan platform will advance the principal or principal and interest, which allows investors to avoid the credit risk of the borrower's overe repayment, and all the risk lies in the reliability of the online loan platform itself, Whether the platform itself can bear the pressure of overe. As long as the platform is
there is no risk of investors losing their principal
under the background that inflation remains the same, the economic situation is complex, and there are few investment channels for investors to make money, the advantages of online loan investment appear
first of all, compared with the depressed Chinese stock market, the depressed open-end funds and various private equity procts, as well as the low-yield savings and banking procts that cannot be separated from CPI, the return rate of online loan investment is stable and remains at a high level
secondly, the liquidity of online loan investment can be enhanced through reasonable planning, and its liquidity is much stronger than trust procts with many similarities. In some platforms where net worth loans can be made, the withdrawal application is made in the morning, and the funds can reach the bank card of investors at noon or afternoon. The actual liquidity is stronger than that of monetary funds
thirdly, the lowest investment threshold enables everyone to enjoy the investment income, which most other investment tools, especially high threshold trust and bank financial procts, can not achieve
Fourth, compared with margin trading procts such as futures, the risk of online loan investment is moderate, and through diversification of investment, the risk is completely within the range of ordinary people
finally, the demand for investors is low. Online loan investment does not need too much investment technology and experience. When most of the platforms are breakeven, you only need to choose a safe investment platform to achieve stable income. And some platforms have automatic bidding function, which can automatically bid without online setting. It is suitable for investors who have no time to surf the Internet
[online lending platform is an emerging stage in China, which has just begun. Be careful not to be cheated! Without the protection of laws and regulations, it's difficult to protect the rights and interests of financial managers, so we should be careful, careful, careful, careful, careful, careful!]
I'd like to recommend some articles on preventing being cheated! Learn more, this instry after a period of painful struggle to have a high return< First, the status quo of P2P network lending
P2P
Network lending has developed rapidly since it was born in China in 2005, showing the development trend of doubling the number of business entities, expanding the scope, expanding the scale of funds and increasing the number of participants. According to the existing P2P
Network lending operation mode, it can be roughly divided into three categories: the first category, pure intermediary type. P2P network lending operators only act as the intermediary between the borrower and the lender, and are responsible for auditing the information of the borrower, but do not share the risk that the borrower cannot repay. The second type is compound intermediary type. The borrower and the operator share the risk, and the principal of the borrower is guaranteed. By strengthening the credit audit of borrowers, operators can ensure their timely repayment and rece their own
bad debt rate. The third is compound intermediary and public welfare. This kind of operators have special features in the main body of loans, mainly for college students, with the color of helping the poor< Second, there are five types of economic crimes in P2P network lending. P2P network lending has inherent "hard wounds" (such as unclear nature and lack of supervision). In addition, it has its own unique characteristics (strong concealment and wide range of involvement). This paper takes the economic crimes in the field of traditional private lending as an example, It makes people worry about whether P2P network lending will become another "disaster area" of economic crimes<
(1)
the subject orientation is not clear, wandering in the gray area. According to the measures for banning illegal financial institutions and illegal financial business activities, illegal financial business activities refer to financial activities such as illegally absorbing public deposits or absorbing public deposits in disguised form without the approval of the people's Bank of China. The first paragraph of article 174 of the criminal law stipulates the crime of establishing financial institutions without authorization. P2P online lending has not been approved by the relevant financial regulatory agencies. Although online lending does not have the nature of a commercial bank, most of the operating entities are responsible for managing the lender's funds by themselves. After reviewing the conditions of the lender, they lend out the funds. This behavior is similar to the savings lending business of a commercial bank, which inevitably leads to economic
criminal behavior, It may constitute the crime of establishing financial institutions without authorization< (2) the source of funds can not be verified, which facilitates the crime of money laundering. Article 191 of the criminal law stipulates the crime of money laundering, which requires that the behavior
person knows that his behavior is to cover up, conceal the source and nature of the illegal income of the crime, and intentionally do it for the benefit, and hopes that this result will happen. The cash flow of online lending circulates outside the bank capital supervision system and becomes a secret, safe and fast money laundering channel for criminals. However, P2P network lending operators only pay attention to the examination of the use of the borrower's funds, and can not verify the source of the lender's funds, so it is difficult to determine the subjective intention of the crime of money laundering,
therefore, the behavior of the operator and the lender can not be determined by the crime of money laundering< (3) the borrower's credit verification system is not perfect, and fraud crimes occur from time to time. Internet lending operators perform the function of borrowers' credit review, and the existing review content is mostly limited to personal identity information, work certificate, bank flow, fund use, contact information, etc., but the above information is easy to be forged in the network, and the information reviewer
does not have complete identification ability, which is likely to lead to borrowers relying on forged information, After defrauding the loan, he took the money and fled. At the same time, the network lending operators will also embezzle the funds of the lenders, resulting in the "empty house" and the interests of the investors can not be guaranteed< (4) it is easy to lead to stakeholder crime. Network lending involves many people, wide geographical scope, strong concealment, supervision vacuum, imperfect credit review and other characteristics, which provide a protective barrier for the stakeholder economic crimes such as illegal taking public deposits, fund-raising fraud, and increase the difficulty of the public security organs to investigate and crack down on crimes, which has great social harm. Without the approval of the competent authorities, it is a crime of illegally absorbing public deposits if the amount of funds absorbed from non-specific social
objects exceeds the legal interest rate. If the illegally raised funds are squandered, escaped, used for criminal purposes, etc., and have the purpose of illegal possession, it will constitute the crime of fraud< (5) the high rate of return on investment inces the high interest rate lending behavior. Article 175 of the criminal law stipulates the crime of usurious loan. Through negotiation, most of the interest rates finally established by both sides of online lending exceed
4 times of the loan interest rates of banks of the same level in the same period. High return on investment will inevitably ince people who are short of funds but want to be opportunistic to take credit funds from financial institutions, and then transfer the funds through the online lending platform for profit, which constitutes the crime of high interest transfer< Third, the prevention and Control Countermeasures of economic crimes in P2P network lending. Direct government regulation does not necessarily lead to better results than solving problems by market and enterprises. Therefore, we should regulate the private lending behavior through legal means rather than rough administrative intervention, give full play to the regulatory role of the market, and try to
rece the excessive interference of public power in the operation of private rights, so as to make it find a suitable way for its own development< (2) accelerate the formulation and improvement of relevant laws and regulations. Through the formulation of "Regulations on money lenders" and "measures for the management of online lending", the nature, status, organizational form, regulatory body, operation specification, entry and exit mechanism of online lending are specified to guide the instry to develop in a healthy and orderly direction
at the same time, it can also provide judgment basis for law enforcement agencies, so that there are laws to abide by and the abuse of administrative power can be avoided. At the same time, we should amend the current law, point out the boundary between crime and non crime of private financing behavior, and make clear the focus of attack< (3)
establish an effective user identification mechanism. Accurate verification of the user's personal information is a necessary prerequisite for online lending to become bigger and stronger. Internet lending operators should fulfill the corresponding social responsibility and undertake the obligation to prevent illegal
criminal activities within the scope of their ability. Accurately verify the user's identity information, source of funds, purpose of borrowing, social relations, credit records, interest rate level and repayment situation, and timely report to relevant functional departments in case of any abnormal situation< (4) strengthen the construction of network security. In the process of online lending, the privacy of users will be involved, and the property rights and interests of indivials will be involved. Therefore, it is necessary to improve the confidentiality technology of
customer data in online lending, so as to ensure the security of personal information involved in the transaction process
that is, peer-to-peer lending, or peer-to-peer credit, refers to a new business operation mode in which social subjects use the network platform of intermediary agencies to lend their own funds to those who are short of funds. It is the result of the development of private lending from "offline" to "online", and the embodiment of citizens' exercise of their property rights. With the development of network technology, the restriction of formal financing channels, the deconstruction of acquaintance society, the increasing inflation rate, the restriction of investment mode, and the continuous improvement of personal credit system, P2P network lending has been promoted< The characteristics of online loan investment are as follows:
1
in addition to the minimum investment of RMB 10000 required by lufax, the investment threshold of most online lending platforms is as low as RMB 50. Compared with the high threshold of trust and bank financial procts, online loan investment is a low threshold public financial proct, suitable for investors from all walks of life
2. The investment income is stable
as a loan proct with agreed interest rate, the return of online loan investment is relatively stable. Referring to the five-year lending interest rate level of China's online loan, on average, the overall yield level is about 20%. Of course, recently, with the emergence of new platforms with more marketing activities, the overall yield level has a rising trend. And the interest rate level of the mainstream online lending platform is steady and falling
3. The investment period can be planned freely
for online loan investment, you can choose the investment period according to your own needs and the actual situation in the future, and many platforms also allow investors to borrow money on the platform with unexpired investment as guarantee, so as to meet the unpredictable capital demand. This allows the liquidity of online loan investment to be released. Investors can not only refer to the future capital demand to choose the investment period, but also borrow money on the platform to withdraw cash quickly. To meet the needs of all kinds of funds
in real life
4. System risk is the main risk of online loan investment
as the network form of private lending, the credit risk is the main risk, that is, if the borrower does not pay back the money, then the investor may lose the principal. However, in China, many online loan platforms, as fund intermediaries, play the role of guarantors. If the borrower fails to repay on time, then the online loan platform will advance the principal or principal and interest, which allows investors to avoid the credit risk of the borrower's overe repayment, and all the risk lies in the reliability of the online loan platform itself, Whether the platform itself can bear the pressure of overe. As long as the platform is
there is no risk of investors losing their principal
under the background that inflation remains the same, the economic situation is complex, and there are few investment channels for investors to make money, the advantages of online loan investment appear
first of all, compared with the depressed Chinese stock market, the depressed open-end funds and various private equity procts, as well as the low-yield savings and banking procts that cannot be separated from CPI, the return rate of online loan investment is stable and remains at a high level
secondly, the liquidity of online loan investment can be enhanced through reasonable planning, and its liquidity is much stronger than trust procts with many similarities. In some platforms where net worth loans can be made, the withdrawal application is made in the morning, and the funds can reach the bank card of investors at noon or afternoon. The actual liquidity is stronger than that of monetary funds
thirdly, the lowest investment threshold enables everyone to enjoy the investment income, which most other investment tools, especially high threshold trust and bank financial procts, can not achieve
Fourth, compared with margin trading procts such as futures, the risk of online loan investment is moderate, and through diversification of investment, the risk is completely within the range of ordinary people
finally, the demand for investors is low. Online loan investment does not need too much investment technology and experience. When most of the platforms are breakeven, you only need to choose a safe investment platform to achieve stable income. And some platforms have automatic bidding function, which can automatically bid without online setting. It is suitable for investors who have no time to surf the Internet
[online lending platform is an emerging stage in China, which has just begun. Be careful not to be cheated! Without the protection of laws and regulations, it's difficult to protect the rights and interests of financial managers, so we should be careful, careful, careful, careful, careful, careful!]
I'd like to recommend some articles on preventing being cheated! Learn more, this instry after a period of painful struggle to have a high return< First, the status quo of P2P network lending
P2P
Network lending has developed rapidly since it was born in China in 2005, showing the development trend of doubling the number of business entities, expanding the scope, expanding the scale of funds and increasing the number of participants. According to the existing P2P
Network lending operation mode, it can be roughly divided into three categories: the first category, pure intermediary type. P2P network lending operators only act as the intermediary between the borrower and the lender, and are responsible for auditing the information of the borrower, but do not share the risk that the borrower cannot repay. The second type is compound intermediary type. The borrower and the operator share the risk, and the principal of the borrower is guaranteed. By strengthening the credit audit of borrowers, operators can ensure their timely repayment and rece their own
bad debt rate. The third is compound intermediary and public welfare. This kind of operators have special features in the main body of loans, mainly for college students, with the color of helping the poor< Second, there are five types of economic crimes in P2P network lending. P2P network lending has inherent "hard wounds" (such as unclear nature and lack of supervision). In addition, it has its own unique characteristics (strong concealment and wide range of involvement). This paper takes the economic crimes in the field of traditional private lending as an example, It makes people worry about whether P2P network lending will become another "disaster area" of economic crimes<
(1)
the subject orientation is not clear, wandering in the gray area. According to the measures for banning illegal financial institutions and illegal financial business activities, illegal financial business activities refer to financial activities such as illegally absorbing public deposits or absorbing public deposits in disguised form without the approval of the people's Bank of China. The first paragraph of article 174 of the criminal law stipulates the crime of establishing financial institutions without authorization. P2P online lending has not been approved by the relevant financial regulatory agencies. Although online lending does not have the nature of a commercial bank, most of the operating entities are responsible for managing the lender's funds by themselves. After reviewing the conditions of the lender, they lend out the funds. This behavior is similar to the savings lending business of a commercial bank, which inevitably leads to economic
criminal behavior, It may constitute the crime of establishing financial institutions without authorization< (2) the source of funds can not be verified, which facilitates the crime of money laundering. Article 191 of the criminal law stipulates the crime of money laundering, which requires that the behavior
person knows that his behavior is to cover up, conceal the source and nature of the illegal income of the crime, and intentionally do it for the benefit, and hopes that this result will happen. The cash flow of online lending circulates outside the bank capital supervision system and becomes a secret, safe and fast money laundering channel for criminals. However, P2P network lending operators only pay attention to the examination of the use of the borrower's funds, and can not verify the source of the lender's funds, so it is difficult to determine the subjective intention of the crime of money laundering,
therefore, the behavior of the operator and the lender can not be determined by the crime of money laundering< (3) the borrower's credit verification system is not perfect, and fraud crimes occur from time to time. Internet lending operators perform the function of borrowers' credit review, and the existing review content is mostly limited to personal identity information, work certificate, bank flow, fund use, contact information, etc., but the above information is easy to be forged in the network, and the information reviewer
does not have complete identification ability, which is likely to lead to borrowers relying on forged information, After defrauding the loan, he took the money and fled. At the same time, the network lending operators will also embezzle the funds of the lenders, resulting in the "empty house" and the interests of the investors can not be guaranteed< (4) it is easy to lead to stakeholder crime. Network lending involves many people, wide geographical scope, strong concealment, supervision vacuum, imperfect credit review and other characteristics, which provide a protective barrier for the stakeholder economic crimes such as illegal taking public deposits, fund-raising fraud, and increase the difficulty of the public security organs to investigate and crack down on crimes, which has great social harm. Without the approval of the competent authorities, it is a crime of illegally absorbing public deposits if the amount of funds absorbed from non-specific social
objects exceeds the legal interest rate. If the illegally raised funds are squandered, escaped, used for criminal purposes, etc., and have the purpose of illegal possession, it will constitute the crime of fraud< (5) the high rate of return on investment inces the high interest rate lending behavior. Article 175 of the criminal law stipulates the crime of usurious loan. Through negotiation, most of the interest rates finally established by both sides of online lending exceed
4 times of the loan interest rates of banks of the same level in the same period. High return on investment will inevitably ince people who are short of funds but want to be opportunistic to take credit funds from financial institutions, and then transfer the funds through the online lending platform for profit, which constitutes the crime of high interest transfer< Third, the prevention and Control Countermeasures of economic crimes in P2P network lending. Direct government regulation does not necessarily lead to better results than solving problems by market and enterprises. Therefore, we should regulate the private lending behavior through legal means rather than rough administrative intervention, give full play to the regulatory role of the market, and try to
rece the excessive interference of public power in the operation of private rights, so as to make it find a suitable way for its own development< (2) accelerate the formulation and improvement of relevant laws and regulations. Through the formulation of "Regulations on money lenders" and "measures for the management of online lending", the nature, status, organizational form, regulatory body, operation specification, entry and exit mechanism of online lending are specified to guide the instry to develop in a healthy and orderly direction
at the same time, it can also provide judgment basis for law enforcement agencies, so that there are laws to abide by and the abuse of administrative power can be avoided. At the same time, we should amend the current law, point out the boundary between crime and non crime of private financing behavior, and make clear the focus of attack< (3)
establish an effective user identification mechanism. Accurate verification of the user's personal information is a necessary prerequisite for online lending to become bigger and stronger. Internet lending operators should fulfill the corresponding social responsibility and undertake the obligation to prevent illegal
criminal activities within the scope of their ability. Accurately verify the user's identity information, source of funds, purpose of borrowing, social relations, credit records, interest rate level and repayment situation, and timely report to relevant functional departments in case of any abnormal situation< (4) strengthen the construction of network security. In the process of online lending, the privacy of users will be involved, and the property rights and interests of indivials will be involved. Therefore, it is necessary to improve the confidentiality technology of
customer data in online lending, so as to ensure the security of personal information involved in the transaction process
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