案例2：A公(gong)(gong)(gong)(gong)司(si)注冊資(zi)本2000萬元(yuan)(yuan)(yuan)，號稱主要(yao)從事私募(mu)(mu)基(ji)(ji)金(jin)代銷和互(hu)聯網P2P業(ye)務(wu)，共有32個(ge)經營門店，裝修(xiu)豪華，員工上千人。A公(gong)(gong)(gong)(gong)司(si)宣稱代銷其(qi)關(guan)聯方(fang)公(gong)(gong)(gong)(gong)司(si)的(de)私募(mu)(mu)基(ji)(ji)金(jin)產(chan)品(pin)，通過(guo)手(shou)機(ji)短信、推介會(hui)、傳單等方(fang)式(shi)公(gong)(gong)(gong)(gong)開宣傳向(xiang)社會(hui)募(mu)(mu)集(ji)資(zi)金(jin)，承諾只需20萬就可以(yi)投資(zi)，而且(qie)有15-20%的(de)年化收益。但(dan)資(zi)金(jin)卻流(liu)向(xiang)了A公(gong)(gong)(gong)(gong)司(si)其(qi)他關(guan)聯企業(ye)，并沒有真實的(de)投資(zi)項(xiang)目(mu)。目(mu)前，A公(gong)(gong)(gong)(gong)司(si)非(fei)(fei)法(fa)集(ji)資(zi)風險爆發。當地公(gong)(gong)(gong)(gong)安部門已對(dui)其(qi)以(yi)涉嫌非(fei)(fei)法(fa)吸收公(gong)(gong)(gong)(gong)眾存款罪立(li)案(an)，涉案(an)資(zi)金(jin)約21億元(yuan)(yuan)(yuan)(其(qi)中約13億元(yuan)(yuan)(yuan)未能兌付)，涉及投資(zi)人7200余人。

【案例解析】近(jin)年來，一些違法犯罪(zui)分子打著“私(si)(si)募(mu)(mu)基(ji)(ji)金(jin)(jin)”旗(qi)號，從事非(fei)(fei)法(fa)集資(zi)(zi)(zi)活動，通過(guo)承(cheng)諾高(gao)額回報、虛(xu)構或(huo)(huo)夸大投(tou)(tou)資(zi)(zi)(zi)項(xiang)目等(deng)手段(duan)，騙(pian)取(qu)投(tou)(tou)資(zi)(zi)(zi)者資(zi)(zi)(zi)金(jin)(jin)。本案中A公(gong)(gong)(gong)司采取(qu)門(men)(men)(men)店(dian)銀行(xing)化(hua)(hua)、員(yuan)工白領化(hua)(hua)等(deng)具有欺騙(pian)性的(de)(de)銷售手段(duan)，結合(he)“門(men)(men)(men)店(dian)+私(si)(si)募(mu)(mu)基(ji)(ji)金(jin)(jin)”、“廣告+私(si)(si)募(mu)(mu)基(ji)(ji)金(jin)(jin)”、“傳(chuan)單+私(si)(si)募(mu)(mu)基(ji)(ji)金(jin)(jin)”等(deng)違反法(fa)律規(gui)定的(de)(de)公(gong)(gong)(gong)開銷售模式，將非(fei)(fei)法(fa)集資(zi)(zi)(zi)行(xing)為包(bao)裝上“私(si)(si)募(mu)(mu)基(ji)(ji)金(jin)(jin)”的(de)(de)金(jin)(jin)融(rong)外衣，以高(gao)息為誘餌，以借新還舊(jiu)方式維持資(zi)(zi)(zi)金(jin)(jin)鏈(lian)，自融(rong)自用，非(fei)(fei)法(fa)吸(xi)收(shou)公(gong)(gong)(gong)眾(zhong)存款(kuan)，嚴重危害金(jin)(jin)融(rong)秩序(xu)和群眾(zhong)財產安全。對投(tou)(tou)資(zi)(zi)(zi)者而言，一是(shi)(shi)要審(shen)慎選擇私(si)(si)募(mu)(mu)基(ji)(ji)金(jin)(jin)投(tou)(tou)資(zi)(zi)(zi)，通過(guo)中國證券投(tou)(tou)資(zi)(zi)(zi)基(ji)(ji)金(jin)(jin)業(ye)協會網站查詢(xun)私(si)(si)募(mu)(mu)基(ji)(ji)金(jin)(jin)登記備案信息，多方了解私(si)(si)募(mu)(mu)基(ji)(ji)金(jin)(jin)管理(li)人以往業(ye)績情況、市場(chang)口碑以及誠信規(gui)范情況。二是(shi)(shi)要細看合(he)同，切勿被各種夸大、虛(xu)假宣傳(chuan)忽悠、蒙(meng)蔽。三是(shi)(shi)要持續關注(zhu)，若發(fa)現相關機構或(huo)(huo)個人存在違法(fa)違規(gui)行(xing)為甚至(zhi)涉嫌詐騙(pian)、非(fei)(fei)法(fa)集資(zi)(zi)(zi)犯罪，及時向(xiang)監管部門(men)(men)(men)舉報反映或(huo)(huo)直接(jie)向(xiang)公(gong)(gong)(gong)安機關報案。