In late June, Shanghai Lianhao Group headquarters, construction workers are dismantling the roof signboard.
Respondents for the picture
The financial card attached to the box of the Fibonacci router.
Lianyi Finance is located at an office in Jing'an District, Shanghai. The property posted a notice of removal. The respondent provided a photo.
In the flagship store of Jingdong, all the products are displayed as 'out of stock'.
In late June, Lianhe Financial 'Broken Thunder' (discontinued due to overdue payment or mismanagement) led to the controversial Fibonacci's '0 yuan purchase' model.
Shanghai Feixun Data Communication Technology Co., Ltd. is an electronic digital company in Shanghai. Its main products are routers, body fat scales, TV boxes, etc. Since 2016, Feixun has launched the '0 yuan purchase' model: customers who purchase Fijian products. Can be remitted through the joint financial app of Shanghai Lianyi Electronic Technology Co., Ltd., if you purchase '0 yuan', you need to invest in the financial platform.
Under the model of physical goods bundled with financial products, Lianhe Finance has obtained a large amount of investment, and the sales volume of Fisun products has also soared. In the recent '6.18' big promotion, Feixun sold 700 million yuan, and many data were in the market. In the same industry, first, but on the next day, investors found that Lianhe Finance had difficulties in redemption, and regular investment and demand deposits could not be withdrawn.
After the outbreak of the incident, Feixun '0 yuan purchase' products were removed from the platform of many mainstream e-commerce and retailers. Fiji issued a number of announcements, saying that it was only a partnership with the company, but the Beijing News reporter found that , Fibonacci, the joint venture and several companies entrusted with managing investment funds, there is more or less association.
According to the statistics of the 'Lianyi Financial Rights Protection Website' established by investors, as of 24:00 on June 30, the number of valid registered investors was 3,973, with a fund of 844 million yuan. On June 23, Shanghai Songjiang police reported that Shanghai Union相关 Electronic Technology Co., Ltd. related personnel suspected of violating the law, Zhang and other 15 suspects have been criminally compulsory measures.
'0 yuan purchase' buyer investment joint quilt cover
On the morning of June 19, Lin Rui, from Quanzhou, Fujian Province, woke up to open the Lianyi Financial App on his mobile phone, and prepared to withdraw the cash deposit of 370,000 yuan as a reserve for buying a house. Until noon, Lin Rui had not received the cash withdrawal. The account notice, he was guilty: 'The past withdrawals are seconds, what is the problem today?'
At 9 o'clock the next day, he received a long reply from the customer service. 'Because of the impact of the Internet financial environment, the phenomenon of centralized redemption of financial users in recent days is more serious. It does not rule out the phenomenon of malicious run-off, and cooperate with the relevant regulatory authorities. Properly solve the current problem. '
On June 20th, Lu Tao in Beijing discovered that Lianhe Financial could not withdraw cash. He had his own wife, his father-in-law and a total of 720,000 yuan in deposits.
At 3 pm on June 23, investors received the last reply from Lianyi Financial Customer Service. 'Lianyi has discussed the related redemption issues with Songjiang District Government, Finance Office, Development Zone Management Committee and Feixun. The data is being verified, please be patient. '
Since then, the online customer service of Lianyi Finance has no response, and the customer service phone at the beginning of 400 has been busy in the line and cannot be connected. On July 3, the reporter tried all the contact information of the company, and there was no response.
Lin Rui and others contacted and invested in the financial "reduction plan" and regular investment, initially because of the purchase of the Fiji brand of digital home appliances.
Last October, Lin Rui, who wanted to change the router, was attracted by the advertisement picture of 'Fixon 0 Yuan' on the Suning Tesco website. 'I bought the Fiji router 799 yuan, which is much more expensive than similar products on the market, but look When you can cash back, you are curious and want to try it. '
Upon arrival, Lin Rui opened the package, downloaded the contact financial app according to the instructions in the package, activated the K code at the bottom of the router, and began to cash back. 'The first month returns 399 dollars, the second month Back to 200, return to 200 in the third month. ' Lin Rui said, according to the rules of Feixun, an ID number is limited to one '0 yuan purchase', if you still want to buy other '0 yuan purchase' products from Fiji, Or if you want to speed up the cashback, you need to invest in the financial sector.
Xie Xin of Baoding, Hebei Province, participated in the '0 yuan purchase' in the Gome Electrical Appliances store. The salesperson recommended him the '0 yuan purchase' product, including routers, body fat scales, sweeping robots, audio, etc. The mode of cash back after payment. 'After I paid, the salesperson directed me to download the financial app and then return it in installments.'
Xie Xin’s screenshot of the website of Fiji’s official website shows, 'If you use the same ID card and mobile phone number to activate two or more K codes, you need to invest in the 'Lianyi Finance' platform first. For a three-month regular financial management of 500 yuan, give one chance to activate. ' However, on July 3, the reporter checked the official website of Fiji. There is no such statement in the same position. Instead, it is based on the platform rules.
The joint financial app has a more detailed statement: 'The new user can activate a K code product unconditionally after the real name. The old user activates K2 (including K1, K1S, K2C), and K2G needs to purchase wealth management products for more than 3 months. A single pen over 500 yuan can get a qualification. '
In addition, the rules of the financial app show that the points earned by the investment can also be exchanged for the expedited voucher, which is used to speed up the cashback.
Fibonacci was sold off after the rumor
On June 20th, Feixun's official Weibo, WeChat pushed a 'Financial 618 most complete transcript', saying that 'selling 700 million yuan! Total sales broke 722,000 units'. Among them, June 1, 6 On the 7th, June 18th, three days, Feixun occupied the first place in Jingdong's smart home, digital accessories, smart wear, and speaker category.
However, in just a few days, the incident broke out and Fijian’s products were completely removed from the market.
On July 4, the reporter visited Gome in Beijing, a large and medium-sized appliance store.
Gome's Madian Pengrun store said that the news has been removed. 'Before we sold the Fibonacci router, 800 yuan, which is more expensive than similar products, but it can be cashed back in two months. ' Dazhong Electric A shopping guide from Madian Bridge also said that before the news, there was a cash back. "Now don't let it sell, whoever dare to buy a problem!"
Jingdong, Suning Tesco, Gome and other online malls have also removed Fibonacci's products, customer service explanations are 'out of stock'.
The brand customer service of Jingdong’s own official flagship store of Feidong explained that the goods were temporarily out of stock, and the customer service said that the 0-yuan purchase activity continued, but the platform for cashback was Huaxia Wanjiajinfu. Only a few products are limited.
The reporter learned that Taobao had removed Fibonacci's products in 2017. According to the explanation of Taobao.com's merchant service center, '(Fixun) merchandise was suspected of tying up, disguised tying financial financial products, violating Taobao. The relevant rules of the network may infringe on the legitimate rights and interests of consumers and cause loss of consumer property. Taobao does not allow such goods to be sold online.
Mr. Gao, the owner of a store in Bainaohui, told reporters that he started selling products from Fibonacci in the first half of 2017, routers, body fat scales, and TV boxes. Each product has its own K code, which can be used before. '0 yuan purchase' activity, so it sells very well, can sell thousands of units a month. '0 yuan purchase is good in the early stage, late is not good, money can not get it. ' Mr. Gao said, only Fiji K2 router is a product, he has more than 5,000 stocks.
The reporter bought a Fiji K2 router in Mr. Gao's shop. Unpacking, in addition to the router and manual, there is also a card with details on how to participate in the '0 yuan purchase' cashback activity, the bottom of the activity Fang: Shanghai Feixun Data Communication Technology Co., Ltd., organizer: Shanghai Lianyi Electronic Technology Co., Ltd.
According to the guidelines of the card, the reporter noticed that there is a coating on the back of the router. The scratch-off coating can see the K code consisting of a string of letters. There is a QR code on the card, and you can download the contact financial app.璧Financial APP, the homepage has a K code redemption option, you can start cashback after you activate the K code. Currently the app has been unable to register new users.
The Link Financial APP has two wealth management projects, one is a 'change plan' with an annualized interest rate of 6.9%, and the other is a regular investment with an annualized interest rate of 10%-15%. Currently, it shows 'sold out'.
Cross-border cooperation has been questioned 'illegal fundraising'
The reporter combed the public information and found that after the joint purchase of the 0 yuan purchase activity, the company quickly started the Internet finance business, and Feixun quickly recovered from the failure of the capital market.
According to the company's official website, Lianyi Technology was established in 2012. In the early days, it was the operator of the overall solution for the scene Internet, 'Dedicated to helping the traditional industry to achieve O2O transformation'. The company established the Internet Finance Division in 2014, in early 2016. , Lianyi Internet Finance Division intends to become a financial information service company independently.
At the beginning of 2016, it was the time when the company launched the 0-yuan purchase activity. In this way, Lianhe Finance gained a large amount of user resources at the beginning of the platform.
Shanghai Feixun Data Communication Technology Co., Ltd. was established in 2009. In February this year, Fijian founder Gu Guoping said in an interview with Securities Times that Fiji’s net profit in 2015 was nearly 1 billion yuan, which was affected by the capital market in 2016. The performance has experienced certain fluctuations. After the transformation and adjustment, the company's operation has returned to the growth track in 2017. The annual sales income is about 7.2 billion yuan and the net profit is more than 800 million.
Due to the unsuccessful listing of the backdoor, Shanghai Feixun's performance in 2016 fell sharply. Gu Guoping said that the relevant equity was frozen at the time, and he also suffered bank lending. The revenue fell directly from more than 10 billion yuan in 2015 to 4 billion yuan.
Gu Guoping said that it was the smart home business and the blockchain business that let him turn over. Although Gu Guoping did not mention '0 yuan purchase', most of the smart home products of Fiji participated in the '0 yuan purchase'. Activities, Fiji blockchain business hardware equipment 'Daily Chain N1' also participated in a cashback similar to '0 yuan purchase'.
After Fischer achieved rapid growth in revenue, there were many actions in investment and advertising marketing. In addition to investing in smart industry parks and smart factories across the country, Fiji also named the 2017 Wei Mi China Big Show. 2017, 2018 Lijiang Marathon.
Behind the frequent handwriting, Fiji is not worry-free. According to the referee's paper, a civil ruling by the Shanghai No. 1 Intermediate People's Court in February this year revealed that as of December 31, 2017, Fischer's assets totaled more than 14.3 billion. Yuan, the debt is about 8 billion yuan. In addition, according to the Supreme People's Court Network, since 2017, Feixun has refused to fulfill its obligations of determining the effective legal documents because of its ability to perform, and has been repeatedly listed as a breach of trust by the court, that is, Commonly known as 'Lai Lai'.
In fact, before the joint financial "explosive mine", the industry has no doubt about the '0 yuan purchase' model.
On April 16, 2018, the Shanghai Internet Finance Evaluation Center issued a document saying that 'Feixun Company is suspected of using the '0 yuan purchase' so-called marketing innovation, essentially bundling the Internet financial platform to issue wealth management products, suspected of illegal fund raising', and reminding investors of 'no Credulous, do not participate, so as not to be deceived, suffer losses.
Investment funds flow into a mystery
Lianyi Financial's information disclosure is extremely rare, and its official website or APP cannot find financial data disclosure. According to the direction of the entrusted investment management agreement, the specific products of the targeted investment investment target should be disclosed or recorded on the platform in time. Many investors introduced that they have never seen the specific flow of specific products or funds of the financial disclosure investment.
Investor He Bing’s “Directed Entrustment Management Agreement” provided to reporters shows that the service provider (platform) is the financial platform of the joint venture, and the platform operator: Shanghai Jihui Financial Information Service Co., Ltd., trustee (manager): Shanghai Jiawei Asset Management Co., Ltd. (hereinafter referred to as Jiawei).
Investor Lin Rui’s product details displayed by the reporter’s “Change Plan” show that the trustee is Shanghai Xunheng Investment Consulting Co., Ltd. (hereinafter referred to as Xunheng). In other words, the investor’s funds pass through the financial platform. Part of the flow into the two companies Jiawei and Xunheng.
According to the National Enterprise Credit Information Publicity System, Shanghai Jiawei Asset Management Co., Ltd. has a registered capital of 10 million yuan. It was established on December 18, 2015. The residence is 20th building, No. 1-42, Lane 83, Hongxiang North Road, Wanxiang Town, Pudong New Area.
On June 22, several investors found the registered address of Jiawei Company. 'Small office, the door is closed, no one is there, there is no sign of Jiawei company at the door, many people in the same building I don't know if I have this company. '
On June 28th, Jiawei Company was listed in the business exception list by the local market supervision bureau because it could not be contacted by the registered residence or business premises. On July 6, the reporter tried to call the Jiawei company's business registration phone, but could not pick up. through.
According to the industrial and commercial registration information, Shanghai Xunheng Investment Consulting Co., Ltd. was established on April 22, 2014 with a registered capital of 5 million yuan. The registered address is Room 2189, Room 1, No. 10, Shanxi Road, Xiaokunshan Town, Songjiang District, Shanghai.
Investor Xu Feng said that on June 22, he and five other investors came to the registered address of Xunheng Company, the office door was closed, no one, the company next door said that the company was rarely seen. People come to work, only one or two people come to clean up occasionally. Xunheng's business registration phone can not be connected.
According to a survey by the Beijing News, Xu Jinxian, a former shareholder of Shanghai Xunheng Investment Consulting Co., Ltd., happens to be a former director of Fiji, and the appointment time is almost coincident. Xu Jinxian is from April 22, 2014 to December 29, 2017. Shareholders of Heng Company, from January 15, 2015 to November 8, 2017, served as director of Fibonacci Corporation.
Investor Xie Xin told the reporter, 'The police at the company's site told me personally that the official seal of Jiawei Company was found in the office of the company.'
A number of photos of the chat records displayed by the investors to the reporter showed that the previous customer service responded to investors that the funds were mainly loaned to the upstream and downstream suppliers of Fibonacci and related high-tech companies for capital turnover.
He Bing also received an email from Lien Financial Customer Service, which is the letter of guarantee between Feixun, Lianhe and Xunheng, that is, Shanghai Xunheng obtained the lending funds of the real-name lender of Lianyi Financial Platform, by Shanghai Fei The company provides guarantee guarantee. The guarantee letter is issued on April 10, 2016.
Behind the cooperation
From June 21st to July 4th, Fidelity official website issued 5 announcements, saying that it attaches great importance to and always pays attention to the event development of partner Shanghai Lianyi Electronic Technology (Group) Co., Ltd., and proposes the issue of the conversion of unactivated K code. Solution. However, Feixun’s announcement did not express its opinion on the investment of consumers in the financial sector.
On July 5th, July 6th, July 9th, the reporter repeatedly called Fiji's switchboard and customer service phone, which could not be connected. On July 6, a Fijian employee said to reporters, 'Lianyu And Feixun are two companies, just a cooperative relationship, and there is no business dealings.
The reporter's investigation found that the relationship between Feixun and Lien Chan is not as simple as that of the partner. There are many links between Feixun and Lien Chan.
Chen Haidong, former shareholder of Lianhe, Jin Wei and Feixun are related.
Chen Haidong and Gu Guoping (founder of Feixun) are elementary school, junior high school students, Shanghai Green Court Investment Holding Group Co., Ltd. announced on December 2, 2017 that Chen Haidong, Jin Wei, Gu Guo average is the indirect of Shanghai Kangfei Shareholders, Chen Haidong accumulatively held 57.06% of the shares of Shanghai Kangfei, Jinwei accumulatively held 32.94% of the shares indirectly, and the remaining 10% of the shares were held by Gu Guoping.
In addition, the reporter logged into the State Intellectual Property Office and found that the inventor of the five patents of Feixun was Chen Haidong, the earliest application time was September 22, 2013, and the most recent was June 30, 2017. According to China Securities Journal In February this year, 'According to the insider, Chen Haidong was the driver of Gu Guoping and worked in Feixun Communication.'
According to Tianyanchao, Chen Haidong currently acts as a legal person in six companies. The reporters dialed the mobile phone numbers of these companies, either shutting down or being empty. Chen Haidong served as the legal person's six companies, and the e-mail suffixes are phicomm.com. The suffix of the corporate mailbox of the news. And of the 15 companies that Jin Wei is a legal person, the e-mail suffix of 10 companies is also phicomm.com.
Until May 24, 2017, Chen Haidong, Jin Weicai transferred its shares in Lianhe. At this time, the joint venture with Feixun to carry out the '0 yuan purchase' activity has been more than one year and four months.
According to Sky Eye, Shanghai Lianhao Electronic Technology (Group) Co., Ltd. currently has 5 shareholders, of which legal representative is Jin Jin, 60% of the shares, among the other 4 shareholders, Shanghai Songya Information Technology Co., Ltd., Shanghai Baixue Information Technology Co., Ltd., Shanghai Caishan Information Technology Co., Ltd., the contact suffix of the three companies are phicomm.com.
Police case investigation
After the incident, many investors from all over the country came to Shanghai to defend their rights.
At 4:48 pm on June 23, the official microblog of the Songjiang Branch of the Shanghai Public Security Bureau issued a notice stating that the relevant personnel of Shanghai Lianyi Electronic Technology Co., Ltd. were suspected of violating the law. Songjiang police have filed a case for investigation. Currently, Zhang and others are 15 The criminal suspect has been criminally compulsory in accordance with the law, and the case is under further investigation.
At present, some investors have returned home, waiting for further information from the police.
According to the statistics of the 'Lianyi Financial Rights Protection Website' established by investors, as of 24:00 on June 30, the number of valid registered investors was 3,973, with a capital of 844 million yuan and a per capita income of 21.25 million yuan.
According to the statistics of Fujian Fuzhou investors, as of July 7, Fuzhou investors 78 people, the amount of more than 17 million yuan, 217,900 yuan per capita. According to Zhejiang Ningbo investor statistics, as of July 10, Ningbo Investment 80 people, the amount of 16 million yuan, per capita 200,000 yuan. According to Beijing Tongzhou investor statistics, as of July 10, Tongzhou investors 15 people, the amount of 20.5 million yuan, per capita 167,000 yuan.
An investor told reporters that he received the latest reply from the police that the case of illegally absorbing public deposits, the circumstances of the case, the flow of funds, etc. may be disclosed in the subsequent court judgment. Whether the investor can recover the losses also needs to be based on The situation of recovery is decided by the court.
A notice from the police about the company's case shows: On June 21, 2018, the Songjiang branch filed a case against Shanghai Lianhao Electronic Technology Co., Ltd. for suspected illegal absorption of public deposits. It is understood that the company has purchased the router through '0 yuan'. The method of merchandising, inducing the masses to install the mobile APP launched by the company, and then publishing the borrowing target through the mobile APP, promised an annualized rate of return of 10% to 13% to illegally absorb funds from unspecified people.
The notice also revealed that the case was complicated, involving a large number of people, involving a large amount of money, involving a wide area, involving hidden dangers, requiring the sub-bureaus to do a good job in registering the people.
Yesterday, the reporter called the Songjiang Branch of the Shanghai Public Security Bureau. The relevant person in charge replied that the information currently disclosed to the public is only reported on June 23. For the above notice, “Illegal absorption of public deposits”, the person in charge Means 'should be no problem'.