What is a Ponzi scheme? Why do many players lose money?

Ponzi scheme originated from an Italian named Charles Ponzi.

Ponzi schemes usually design an investment plan. This investment plan is simple to say, that is, investing in one thing and then getting a high return. But the Ponzi scheme will deliberately make the plan so complicated that ordinary people simply can't understand it. Ponzi scheme attracts investors through high return. The first batch of "investors" did get the promised return within the specified time. As a result, the following "investors" followed up in large numbers.

Later, Ponzi scheme became a special term, meaning to repay the former "investor" with the money of the later "investor". It can be seen that the so-called investment in Ponzi scheme has no actual profit point, and the reason why there is a high return is realized through the funds of the investors behind it. Under normal circumstances, as long as there are a steady stream of investors, Ponzi schemes can last forever.

However, there are exceptions to everything. In the Ponzi scheme, the promoters will certainly take some funds for themselves in various ways, resulting in the loss of some funds in the fund pool. You may have severe diarrhea. If investors withdraw money at the same time because of a specific thing, it may lead to the break of the Ponzi scheme's capital chain. Once the capital chain is broken, the sponsor of Ponzi scheme will definitely abscond with the money in order to avoid legal sanctions, so invest.

So investors must cherish their hard-earned money and stay away from illegal fund-raising and Ponzi schemes.

A scam created by a man named Charles Ponzi is also a template for many frauds, including pyramid schemes.

First, make a high-return investment plan. Of course, this kind of investment is impossible to obtain high returns. Then, complicate the plan so that ordinary people can't understand it, and then promote it, promising that you can get high returns as long as you invest. In order to make more people fall for it, he will make some people who enter first profit (that is, repay them with the money they invested). Of course, this profit model can't last long, so he will be behind the plan.

Is there such a scam now?

If an industry can't do it anymore, just make up a story, continue financing, fill a hole, or try to split the company and go public, refinance and fill a hole. They have many attractive names for this behavior, such as high-quality assets splitting and listing, emerging industries, diversification, unlimited prospects and attracting more assets. As a result, debts are increasing, robbing Peter to pay Paul, and the bubble is getting bigger and bigger. Once the bubble bursts. Many people will have bad luck.

And now it is more advanced, more diverse, more real and more deceptive than the early scams.

Ponzi scheme refers to a financial fraud invented by a businessman named Charles Ponzi. 19 19, Ponzi announced an investment plan to the whole world. Simply put, he can get high returns by investing in his own products, but in fact there is no such investment plan at all.

In order to confuse ordinary people with this truth, Ponzi deliberately complicated the investment plan. At that time, many people knew nothing about investment and economy. Seeing such a high return, they immediately invested money. In order to convince investors more, Ponzi put some funds into the accounts of the first batch of investors within the specified time, and used this example to tell investors that our investment plan can really make money.

Within one year, more than 40,000 citizens participated in the project, and Ponzi continued to "rob Peter to pay Paul", transferring part of the newly received investment funds to the accounts of previous investors, and pocketing some of them to attract more people to invest. Anyone with a discerning eye will know at a glance that this model will expose the prototype as long as it interrupts the "capital replenishment" once.

Therefore, investors should understand the truth that there is no free lunch in the world, and high-yield investment is bound to be accompanied by high risks. Investors must keep their eyes open.

Almost everyone knows Ponzi scheme, but people still fall for it. The reason is that if the plan lasts for a long time, someone can make money in the early stage, but the financing that has existed for several years or even longer as before is gone. People who set up scams have no patience to play for a long time and are afraid of the government's attack. So some people think that they are the first to join, and their minds are full of plans to harvest others, but they don't expect that they are cannon fodder.

Simply put, it is a money-circling game without actual products and services, and only promoters and early participants can make a profit. It is a high-end crime, which takes advantage of the greed of human nature and will continue even if it wakes up, taking advantage of the ugliness of human nature. It feels like the early bud of pyramid schemes, with more sophisticated means, and a pyramid scheme to circle money. Nothing for nothing. Only hard work will lead to the future you expect, otherwise there will be only traps and pain.

Ponzi scheme must be done by a guy named Pang. Let the first wave of people get the benefits first. These benefits must be as good as winning the lottery and exceed expectations. Boy, a group of sweet and greasy beneficiaries will become huge natural beneficiaries, but they think they are harvesters. In fact, they are just a group of actors who perform on the stage to make money. The following audience will continue to run to the stage to participate in money-making performances. More and more people will take to the stage, and this buddy Pang will take everyone to the stage. When the people on the stage found themselves dancing naked and asking the Ponzi brothers for clothes, they realized that they should have seen through their tricks long ago. But everyone thought they could get their share of the benefits and excitement before leaving the stage, and they jumped to the end. This is also the reason why the Pang Xiong Bureau has stood the test for hundreds of years!

Now, the latest Ponzi scheme already has the attributes of internet and pyramid scheme, such as the fiery X plan, which invests 1 10,000 yuan every day, and WeChat returns about 30% of the monthly interest. Then if you want a higher rebate, you need to attract people, which is very attractive to people who like to take advantage of petty gains and ultra-high interest rates, and also attractive to people who see through the scam, just waiting for more stupid people to take over.