On July 17th, Lane 4055, Guangfulin Road, Songjiang District, Shanghai, Lianyi Electronic Technology Building, the door is locked, people go to the building is not deserted.
'There has been blocked here, the company cheated, there were many people looking for it before. ' At the door, a security guard pointed to the announcement paper on the door, this is for the investors to come to consult, the above is Report address and related police station phone number.
On the Sixian Road less than 4 kilometers away, the Fibonacci Headquarters Building is another scene.
The reporter of International Finance News was approaching the evening, and the Fiji Building was brightly lit. The security was quite strict. Only at the gate of Wenji Road, there were 4 security guards guarding closely, staring at the vehicles and individuals entering and leaving the building every day. .
The two seemingly unrelated companies, because of the accident, became the "link of fate", the relevant departments are investigating.
The reason why the company had an accident was related to the "0 yuan purchase" drama of the entity + financial tying, and the big game reached a climax with the help of e-commerce partners such as Jingdong and Suning.
Before, the cooperation between the two parties was quite enjoyable. Everything seemed to be smooth. Until a month ago, some investors found that the financial crisis of the company was difficult to pay. The two people of 'Lianyi+Fixun' changed their drama and could not play.
At present, the case has been filed by the Economic Investigation and Detachment of the Songjiang Branch of the Shanghai Public Security Bureau, which is under investigation and evidence collection. The company has been sealed up, and the involved enterprises including FeiXin, Jingdong, Gome, Suning and the three major operators have all shown A cautious attitude, the '0 yuan purchase' activity was also revoked in these platforms.
Recently, the reporters of the International Finance News conducted a field visit and found that although there is only a joint case at present, the role played by other relevant parties in this matter and whether they need to bear part of the responsibility are the most concerned issues for the current thunderbolt investors. one.
In addition, the intricate interest linkages between companies such as Lien Chan and Feixun have gradually surfaced.
联璧 '爆雷'
What is the amount involved?
It has been 28 days since the incident of 'Bao Lei'.
On the afternoon of June 21, 15 key executives of Shanghai Lianyi Electronic Technology Co., Ltd. were criminally compulsory by the Economic Investigation Bureau of the Songjiang Branch of the Shanghai Public Security Bureau, officially proclaiming the collapse of the financial sector.
The incident occurred back to the '0 yuan purchase' activity launched by Shanghai Feixun Data Communication Technology Co., Ltd.
The company is an electronic digital company in Shanghai, which is mainly engaged in electronic communication products such as routers, body fat scales, smart speakers, TV boxes, etc. Since 2016, Feixun has started to jointly launch Jingdong, Suning, Gome and three major operators. Yuanbu's marketing activities: Consumers who purchase Fijian products can cash back through the joint financial app of Shanghai Lianhao Electronic Technology Co., Ltd. Each consumer enjoys a chance to activate K code for free, but if they participate again' 0 yuan purchase ', you must invest in the financial platform.
This kind of sales method has led to a large amount of investment in the company, and the sales of Fijian's products have also soared.
According to the official website of Fiji, Fiji routers achieved a total sales volume of 710 million yuan from June 1 to June 18 this year, with a total sales volume of 722,000 units. On June 18, Fiji Jingdong The flagship store's sales exceeded 170 million yuan, and product sales exceeded 160,000 units.
However, on June 19 of the next day, investors found that Lianhe Finance had difficulties in redemption, and regular investment and demand deposits could not be withdrawn.
A number of investors told the International Finance News reporter that panic began to appear and spread rapidly at that time, 'but what I didn't even think was that on June 21, the company was found to have been investigated.'
'Explosive thunder' is too late to defend, this is no different from the blue sky for investors. 'All my family is all invested in it, a total of more than 1 million.' An investor Li Tie (a pseudonym) expressed his concern to the reporter .
In a Henan group that the reporter joined, the investment amount of investors ranges from tens of thousands to several million yuan. According to the group owner, the amount involved in this group is as high as more than 50 million yuan.
Wang Hai (pseudonym) is one of the victims of interest. From October 2017, he contacted Luen Finance through Jingdong, and then successively started investing. He continued to invest 1 million yuan (interest 7.5%) for 6 months. Regularly 200,000 yuan (interest 10%), a total investment of about 1.2 million yuan.
Wang Hai told the International Finance News reporter that several investors in Henan had already come to Shanghai to find the United States and Feixun, but there was no gain.
According to the announcement information of the entrance to the city, the reporter of the International Finance News came to the Songjiang Economic Investigation Detachment at 30 Guyang North Road. According to the staff, the joint financial incident task force is currently undergoing further forensic investigation. He told reporters Presented the relevant case handling procedures. If you want to report the case, you need to provide information such as a copy of the ID card and the platform account.
Fiji rushed to clear
Really irrelevant?
In the past, a good partner had something to do, and Fiji was the first time to 'clear the relationship'.
On the day of the collapse of the financial crisis, Fiji specifically issued an announcement on the incident of the company. Fiji said, 'Financial products have been sold to consumers who participate in the marketing activities of Fibonacci and partners. The K code is coordinated by Feixun to coordinate the exchange with a third party. At the same time, Feixun stated that the marketing cooperation with the company is a vendor activity. After purchasing the smart hardware products, consumers can voluntarily choose whether to participate according to the activity rules. Not related to any third-party sales platform. '
This means that Fiji will bear the K-code payment for consumers participating in the 0-yuan purchase activity, but will not be responsible for the funds invested in the joint venture finance.
However, such a statement is seen by investors as a 'steaming pot' behavior. They questioned, 'If there is no relationship between the company and Feixun, why should the company buy a ticket for Fibonacci's 0 yuan purchase marketing campaign?'
In response to such doubts, the "International Finance" reporter repeatedly called the Fibonacci official service hotline, but the phone has not been connected.
On July 4th, Feixun once again announced the follow-up measures for the announcement, clearly defining the 'third-party cooperation platform' for the K-code for Shanghai Junhe Financial Information Services Co., Ltd. However, consumers have said that it is impossible to activate K-code activation in Junjixin. Through the audit, this makes investors even more flamboyant.
In the previous multiple communications, Fiji has emphasized to consumers who come to communicate that 'the United States is the United States, the Fiji is the news, and there is no connection between the two.'
On July 17th, at the entrance of the office building of Fiji, the employees who continued to enter and exit were cautious and sensitive. When they saw the reporters, they waited for the opening, and they waved directly to express their refusal.
Informed sources revealed to reporters that after the accident, the company had a staff meeting inside, prohibiting employees from talking about any topics related to the company, and signed agreements with employees to share the difficulties with Fiji.
However, the homepage of the affiliated financial company's internal website, which was exclusively obtained by the reporter of the International Finance News, showed that another office of Lianyi Finance was the 8th floor of No. 777 Weihai Road, Jing'an District, Shanghai. Many insiders told reporters that this is also Fiji and another office opened by Shanghai Second Polytechnic University.
On the afternoon of July 19th, the reporter came to the place and found that the financial office of the company was locked at the same door. The two pairs of glass doors facing the street have been chained from the inside, and there is a glass door on the side. After approaching, I found that the wall still has a LOGO related to Fibonacci.
A staff member stopped the reporter and said that the building had been closed. He was transferred to the nursing building building more than half a month ago. He said: 'The 8th floor, the 9th floor is indeed the place where the former work, this building is Fei The news was leased from Shanghai Second Industrial University, and now the police have blocked the floor. '
In addition, the event involved, as well as another mutual financial cooperation platform of Fidelity - Huaxia Wanjia.
A number of investors showed reporters a screenshot of the suspected joint financial and Huaxia Wanjia transactions. After they recharged the joint venture and Huaxia Wanjia Investment, the results all arrived at the same account.
An investor named Li Fang (a pseudonym) in Zhejiang told the reporter of the International Finance News that she recharged 25024 yuan and 6800 yuan from the Industrial and Commercial Bank of China on April 27, 2018, respectively. There is an intuitive record in the details. But on June 15, 2018, she also recharged 1800 yuan from the ICBC card to Lianhe Finance, but found that the account was exactly the same as the Huaxia Wanjia account.
In response to this situation, the reporter called the customer service phone of Huaxia Wanjia official website, but it has been unable to get through. Many investors said: 'The phone of Huaxia Wanjia has never been able to get through this time.'
According to a number of investors, on July 16, Wanjia can withdraw 599 yuan a day. On July 17, it can only withdraw 199 yuan. On the 18th, it only has 99 yuan. Investors are worried about Huaxia Wanjia. It is also increasing day by day.
"International Finance News" reporters through the use of tools and other tools, through the layer of equity relationship found that on May 26, 2017, Huaxia Wanjia had a shareholding change, Hu Di and Zhang Jiumei as natural person shareholder withdrawal, Shanghai Bai Xue information Technology Co., Ltd. (hereinafter referred to as 'Shanghai Baixue') and Shanghai Songya Information Technology Co., Ltd. (hereinafter referred to as 'Shanghai Songya') were newly added as shareholders in the name of corporate legal shareholders, but both were on July 27, 2017. At the same time, I left Huaxia Wanjia.
Tianyuechao showed that Shanghai Baixue and Shanghai Songya were shareholders of Shanghai Lianyi Technology, and both showed that they both subscribed for 16.67 million yuan, each holding 10%.
In other words, there should be a certain relationship between Huaxia Wanjia and Lianyi Finance at the shareholder level.
It is worth noting that the reporter of International Finance News further discovered that Shanghai Lianyi Technology had invested in Lijiang Ruijin Big Data Industry Development Co., Ltd., and the legal representative of the company was Wang Jiabin.
Wang Jiabin also serves as the director and general manager of Feixun Communications (Nanning) Co., Ltd., whose legal representative is Gu Yunfeng. Gu Yunfeng's other identity is the vice chairman of Shanghai Feixun Data Communication Technology Co., Ltd. Business Information shows that Gu Yunfeng owns 29 Most companies are related to Shanghai Fei.
Gu Yunfeng and the well-known Gu Guoping (founder of Shanghai Feixun Data Communication Technology Co., Ltd.) in the capital market are also quite concerned about the outside world.
Investors are blaming Jingdong
E-commerce is hard to blame?
In addition to Fibonacci, Jingdong, which previously gave strong support to the 0-yuan purchase activity, has become a 'publicity'.
The reporter learned from the interview that on the morning of July 10, a large number of financial investors appeared in the Jingdong headquarters in Yizhuang, Beijing. They wore clothes printed with the words 'Jingdong unscrupulous business' and handwritten with 'return money'. The two-character A4 paper shouted the slogan of 'Jingdong Repayment', and even called 'Jianbi Finance and Jingdong fraudulent people'.
Investor Ms. Chen told the reporter of the International Finance News that she bought the products of Feixun and participated in the 0-yuan purchase because she believed in Jingdong’s self-operated brand. However, Jingdong’s attitude in the face of investors’ demands Perfunctory and even arrogant. This made her very disappointed with Jingdong.
A number of investors also said that participation in the 0-yuan purchase activity has a lot to do with JD. 'At the beginning, I was a bit worried about whether it was reliable, but I think that Jingdong and it have long-term cooperation, so I think it is trustworthy.'
Some investors showed a screenshot of the chat of suspected Jingdong customer service. When promoting the Feiyuan 0 yuan purchase activity, Jingdong customer service expressed the words 'if they run, and Jingdong', and clearly stated in the question and answer. Finance is a legal platform. In the eyes of many investors, it is Jingdong’s endorsement of Feixin and Lien.
Public reports show that Jingdong and Feixun had signed a deep strategic partnership during the Double Eleven period. Just past the 6.18 Jingdong Shopping Festival, Fijian products sold more than 700 million yuan.
The reporter of "International Finance News" interviewed the relevant person in charge of Jingdong Group. The other party said that Jingdong is only the sales platform of Fiji Hardware. The Internet financial platform that has never been related to Fiji has any form of cooperation and has never guided consumers. At the same time, the person in charge said that Jingdong has conducted a comprehensive investigation of the brand's marketing activities, and strictly prohibits the brand merchants from carrying out the promotion and promotion of any form of 0 yuan purchase on the platform.
Then, does JD know in advance whether Fiji's hardware products can be diverted to Lianhe Finance to carry out financial management and carry out corresponding risk warnings?
In this regard, Jingdong did not respond positively. It only said that 'the matter has been involved in the investigation by the public security department. We are cooperating with the relevant departments to handle the case. In other cases, there is no more response.'
But investors don't agree.
They believe that on the Jingdong platform, the purchase of Fidelity products with the words 'self-employed' is based on the trust of Jingdong. At the same time, the e-commerce platform such as JD.com is not only the sales platform of Fidelity products, but also its '0. The diversion portal of the Yuanbu's model is to introduce traffic and advertise for the P2P platform. Article 25 of the Advertising Law stipulates that the advertisements of goods or services with investment returns expected, such as investment promotion, should be subject to possible risks and risks. Have a reasonable reminder or warning.
In this regard, Da Yong Law Firm lawyer Jiang Longjun told the International Finance News reporter that the first thing to look at is the relationship between Jingdong and Feixun. If Jingdong is only a sales platform for Fibonacci products, then it is investing in financial matters. When I came up with the responsibility of Jingdong, I am afraid that the scope of the accountability has been over-extended. 'After purchasing Fijian products, whether to invest in the financial sector is a completely independent choice behavior. From the legal point of view, the consequences of this choice and Jingdong The responsibility of the link is not reasonable'.
Zhao Zhan, a well-known IT and intellectual property lawyer, believes that the legal platform mentioned by Jingdong in the Q&A reply should refer to a platform with legal qualifications, but the platform with legal qualifications may still be illegal in business conduct. This situation is very common, which is beyond the control of the sales platform.
However, Zhao Zhan also said that if Jingdong did not review the identity of the seller in advance, or the products sold by the seller were obviously in violation of the rules, the sales platform is known or should be known but still conducts online transactions, then it must bear joint and several liability.
For the chat screenshot of Jingdong customer service, independent financial commentator Zhang Xiaofeng said that Jingdong must take responsibility in this piece, because such words have obvious guiding functions, and also produce actual credit endorsement. However, this can only be discussed one by one. 'That is to say, if there is a related consultation and a similar reply from Jingdong customer service, Jingdong assumes responsibility, and there is no similar communication reply, then Jingdong does not have to bear any responsibility'.
Jiang Longjun believes that there is no prohibition on this model at the legal level. According to the principle that there is no prohibition in the law, there is no problem in this situation. From the perspective of business reputation, some platforms will choose to detach this type of tying financial financial platform. Hardware products.
It is worth noting that in 2016, Taobao has also carried out a similar 0-yuan purchase activity, but since April 2016, Taobao has imposed penalties on brands that started to purchase 0 yuan, and completely banned it in 2017. .
According to the situation that the reporter of the International Finance News learned from Ali, the specific reason for the initial removal, that is, Taobao platform believes that the sale of financial wealth management products needs to meet the requirements of national laws and regulations, and obtain the qualifications of national laws and regulations. With the guidance, inducing consumers to invest in financial management, this alleged tying, disguised sales of wealth management products, violates the relevant rules.
"International Finance News" reporter found that after the incident of mine explosion, the related products of Feixun 0 yuan purchase, including Jingdong, Suning, Gome and operator platforms have been suspended or removed. The reporter interviewed various platforms, but As of press time, no reply has been received.