来自：北京商报 | 原作者：岳品瑜 刘四红
From: Beijing Business Journal, former author: Yoon Yu Liu Xianhong & nbsp;
“你好，我是来自币安的客服，现邀请您加入我们的‘数字货币’交流群，一起分享学习投资技巧……” 近两日，北京商报记者频繁接到关于虚拟代币投资的营销电话，该人员问用户是否有“数字货币”投资需求，并号称有“专业币圈交流群”，可手把手带领投资价值盘、实现资产增值，甚至一夜暴富。
“Hello, I am a customer from the currency, and I now invite you to join our “digital currency” exchange group to share investment learning techniques...” In the last two days, Beijing newspaper reporters have received frequent marketing calls on virtual currency investments, asking users whether they have a “digital currency” investment need, and referred to as a “professional currency exchange” that can hand-in-hand the investment worth tray, add value to assets, or even be rich overnight.
不得不说，近期随着虚拟币价格大涨，币圈通过电话拉人头、微信群带单，诱导新用户炒币的乱象再次泛滥，甚至有机构以“数字货币”之名行币圈诈骗之实，号称年化收益最高可达600％，但实际却是引导用户买币甚至进行合约交易，其中风险尤须警惕。
It has to be said that, with the price of virtual currency booming in recent times, currency rings have been telephoned, micro-letters have been taped, and there has been a resurgence of money-grabbing by new users, and even institutional fraud in the name of “digital currency”, known as annualized earnings of up to 600 per cent, has actually led users to buy money and even to enter into contractual transactions, with the risks being particularly vigilant.
号称百倍收益实则诱导合约交易
It's called a 100-fold gain, and it's a contract deal.
当前，央行数字货币试点在深圳、苏州、北京、成都等地加速铺开，不论是机构还是个人，参与试点积极性空前。不过，央行数字货币热度上涨的同时，也有币圈机构乘风再起，披着“数字货币”的外衣，打着“一夜暴富”的口号，制造一个个新骗局。
Currently, the central bank’s digital currency pilots have accelerated in Shenzhen, Suzhou, Beijing, Chengdu, etc., and their participation has been unprecedented, both institutional and individual. But, at the same time, the central bank’s digital monetary heat has increased, and there are also currency circles that have resurfaced, dressed in “digital currency” under the slogan “a night rich” to create a new scheme.
3月9日，北京商报记者通过百度搜索“数字货币”关键词发现，目前，仍有不少以“数字货币”为噱头，但实际是吸引用户投资虚拟币的平台。以其中一个名为“区块链龙骑士团队”的平台为例，其号称可提供专业的币圈社群服务，现货年化收益最高可达600％。
On March 9, a Beijing newspaper reporter searched the 100-degree “digital currency” keyword and found that there are still a lot of “digital currency” that is actually a platform to attract users to invest in virtual currency. For example, one of the platforms, known as the “Team of Dragons in Blocks,” is called the professional currency community service, with an annualized yield of up to 600%.
如何实现这么高的收益？平台进一步宣传，可免费进入币圈社群了解。北京商报记者点击后，需先添加该平台弹出的个人微信号，一个名为“多姐”的人士向记者发来了一份关于数字资产交易平台“COINBENE”的宣传海报及操作指南。该平台号称“百倍收益”“无门槛”“无均摊”，专注永续合约；而指南中则进一步介绍了关于该平台认证以及“C2C充值”“C2C提现”“充币”“提币”“合约下单”等一系列操作方式。
How to achieve such a high yield? The platform’s further publicity will provide free access to the currency community. A personal micro sign from the platform needs to be added after the Beijing news reporter hits, and an individual named “More Sisters” has sent journalists a poster and an operational guide to the digital asset trading platform “COINBENE.” The platform is called “100 times the profit” “no threshold” “unequal distribution” and focuses on a permanent contract; and the guide provides further information on a range of operations, such as certification of the platform and “C2C” “C2C” “C2C” “C2C” “C2C” bill of money” “submits”.
从操作指南来看，该交易所买币可支持银行卡交易、支付宝交易等多个支付方式，该人士告诉北京商报记者，必须在COINBENE进行认证、充提币、合约交易后，才能申请进入币圈投资社群。
From the operational guidelines, the exchange buys money to support multiple payment methods such as bank card transactions, payment of treasures transactions, etc., and the same person informed the Beijing newspaper journalists that they had to certify, raise money and contract transactions in COINBENE before they could apply for entry into the money-banking community.
目前，币圈所称的合约交易，又称期货交易，是一种将交易品远期交易的模式。一是既能做多又能做空，可双向获利；二是可以加杠杆，以小博大。通过合约交易及交易所推出的上百甚至上千倍杠杆，让本就波动巨大的币市也变得更加危险疯狂。北京商报记者注意到，就在截至3月9日16时46分的近24小时内，合约帝数据显示，共有64996名币民爆仓，爆仓金额达5.33亿美元。
At present, what the currency circles refer to as contract transactions, also known as futures transactions, is a model for forward trading of tradables. First, they can do more, but they can do better, and second, they can leverage.
名为“百倍收益”，实则诱导用户注册币圈交易所进行合约交易。在业内人士看来，币圈电话拉人头、借“数字货币”进行投资诈骗等市场乱象再起，主要还是在于币圈投机市场的火热，近期比特币价格维持在50000美元上下，币圈市场热度上升，但投资群众难辨真假，是导致这些违法行为再度抬头的根本原因。
It is called a "100-fold gain" that induces users to register for contract transactions on a currency ring exchange. In the eyes of the business community, the re-emergence of markets such as currency ring calls, investment fraud in “digital money” – mainly in the form of a pseudo-market boom, which has recently been maintained at $50,000, and the rise in the currency ring's heat, but the fact that investors are unable to identify the truth is the root cause of the resurgence of these violations.
“虚拟币是近几个月的热门词，无论是从特斯拉CEO马斯克公开喊单带货，还是最近美图秀秀母公司购买虚拟币的事件，整个市场热度由机构和大V掀起，加速了虚拟币的市场狂热气氛。”上海对外经贸大学人工智能变革与管理学院区块链技术与应用研究中心主任刘峰称。
“Virtual currency is a popular word in recent months, whether from Tesla CEOmask to publicly call for a single belt, or from the recent purchase of virtual coins by Merit Show Mothers, the whole market heat was triggered by institutions and Big V, accelerating the vibe of virtual currency's market fanaticism.” Liu Feng, Director of the Centre for Technology and Applied Research in the Block Chain of the Institute of Artificial Intelligent Change and Management of the University of Shanghai and China.
“什么热度高一般就宣传什么，很多小白和老人都不懂，圈里还有专业的拉人头团队，利用很多普通人对‘数字货币’不够了解，推广其项目具有高额收益，并能进行层层分润。”币圈人士王丽（化名）告诉北京商报记者，根据投资人的投资需求，币圈资金盘发行也会有固定的发行周期，一般3、4月是项目方推广资金盘的黄金期。在他们看来， “韭菜”们过完年后，投资需求最为旺盛，因此这个时候资金盘会通过各种高收益吸引投资者入场，基于币价的一次次控盘，让投资者尝到一定甜头后，再一步步进行收割；也有资金盘会通过大肆宣扬区块链技术、“数字货币”等，对项目进行华丽包装，并以高收益、稳赚不赔等宣传，对资金项目进行线上、线下等多渠道推广，吸引新的资金入场。
“No matter what the heat is high, no matter what it is, many whites and old people don't understand it, there are professional crowds in the circle, using many ordinary people who do not know enough about `digital money', promoting their projects with a high yield and able to divide them.” The banker Wang Ri told Beijing merchants that, depending on investors' investment needs, there would also be a fixed distribution cycle for the circulation of the money bar, usually in March and April, the gold period for the project's extension. In their view, after the ’s completion, the investment needs would be the greatest, so that the pool would attract investors to the field through high returns, a sub-discussion based on currency prices, allowing investors to taste a bit of sweetness, then to harvest them step by step; there would also be capital pools that, by promoting the technology of the chain, the “digit money” etc., would be lavishly packaged the project, with high-yielding and non-profit publicity, and so on-line, and so on-line, and so on-line, and so on-line, and so on-line, and so on-line, and so on-lined.
有投资者充值39万元后“打水漂”
There's an investor who's worth $390,000, "drawn up."
币圈乱象不止，已引起金融监管部门及警方的警惕。
The currency cycle has become so volatile that it has led to vigilance on the part of financial regulators and the police.
3月9日，武汉市反电信网络诈骗中心发文称，近日接到市民报警称，在家通过股票交流微信群添加了一个微信好友，对方讲述“数字货币”投资的相关知识并向其推荐购买“数字货币”赚钱。该市民信以为真，陆续向“ 泰达币AAC永续合约”App平台充值共计39余万元，后发现无法提现，这才意识到被骗报警。目前，案件正在进一步调查中。
On 9 March, the Vuhan Anti-Telecommunication Network Fraud Center sent a letter stating that it had recently received a citizen's warning that a micro-friend had been added to the micro-blogging group at home through stock exchanges, who told him about the “digital currency” investments and recommended them for “digital money” to make money. The citizen believed it was true, and continued to charge a total of more than $3.9 million to the “Tedaco AAC Fortune” App platform, which he found impossible to mention, thus realizing that the case was being investigated further.
武汉市反电信网络诈骗中心称，目前市场上很多所谓“数字货币”实际均为非法定数字货币。同时，某些机构和企业推出的所谓“数字货币”以及所谓推广央行发行数字货币的行为可能涉及传销和诈骗，市民尤其要小心传销币、社交群、假平台、假网站、假钱包等多类情形。
According to the Wuhan Anti-Telecommunication Network Fraud Center, many of the so-called “digital money” in the current market is actually illegal. At the same time, the so-called “digital currency” introduced by certain institutions and enterprises, as well as the so-called promotion of digital currency distribution by central banks, may involve distribution and fraud.
此外，河南省地方金融监督管理局（以下简称“河南金融局”）也于2月发布风险提示，提醒公众进一步防范“虚拟货币”非法活动。
In addition, the Henan Provincial Local Financial Supervisory Authority (hereinafter referred to as the Henan Financial Authority) issued a risk alert in February to further protect the public against “virtual currency” illegal activities.
河南金融局称，近期，伴随着区块链技术宣传推广，比特币、以太坊等虚拟货币价格不断攀升，虚拟货币交易活动有所抬头。一些不法分子打着“虚拟货币”“区块链”的旗号，通过“数字货币”抵押推出零息借贷、双币理财等项目；以“投资返利”“保本保收益”的名义，诱骗投资者购买“xx币”“xx豆”等形式的虚拟货币，借机吸收资金；为注册在境外的虚拟货币项目提供宣传、引流，引诱投资者参与等，违反了央行等七部委发布的《关于防范代币发行融资风险的公告》，涉嫌从事非法集资、传销、网络赌博、诈骗等违法犯罪活动，严重扰乱了经济金融秩序。
According to the Henan Financial Authority, in recent times, virtual currency transactions have risen as a result of increasing prices in virtual currency such as Bitcoin and Etheria, along with technological promotion of block chains. Some outlaws, under the banner of the “virtual currency” “block chain” and through “digital currency” mortgages, have introduced zero-interest lending, double-currency money management, etc.; in the name of “investment returns”, lured investors into purchasing virtual currency in the form of “xx” and “xx beans” and borrowed funds; provided publicity, channeling and enticing investors to participate in virtual currency projects registered abroad, in violation of the bulletin issued by seven ministries, including the Central Bank, on the prevention of the risk of financing the issuance of money in currencies; and engaged in criminal activities, such as illegal capital collection, distribution, online gambling, fraud, etc., seriously disrupting the economic and financial order.
复旦大学张江研究院教授、数字经济研究中心执行主任陈文君告诉北京商报记者，币圈诈骗行为还是新瓶装旧酒，实质没有太多变化，大多是在诈骗形式上增加了套路。在她看来，大多传销诈骗的币圈机构被打击后，线下诈骗有所收敛，而网络传播比较多，老年消费者是被骗的重点。
Chen Wen, Professor of Zhangjiang Institute and Executive Director of the Center for Digital Economics Studies at the University of Gangan, told the Beijing Chamber of Commerce and Commerce that currency fraud was still a new bottle of old wine, with little change in substance, mostly by adding to the pattern of fraud. In her view, most money-circumstance agencies that sell fraud have been hit, sub-line fraud has sub-lined, and the Internet has spread more widely, with older consumers being the focus of fraud.
一业内分析人士在接受北京商报记者采访时透露，相较以前简单的培训班、带单、卖虚假矿机的诈骗行为，现在出现了更多以一条龙投资服务，以及矿机代买代管代售包出入金兑换等更具专业门槛和组织性的新模式、新套路。一般在币圈牛市时会以高额利润来诱惑投资者，熊市则直接跑路。
In an interview with a reporter from the Beijing Chamber of Commerce, first-hand analysts revealed that there are now more single investment services than previous simple training courses, billings, and fraudulent mining machines, as well as new more professional and organizational models, such as buying surrogates for cash exchange. New models, and new circuits, such as trading in and out of gold.
“总体来说，主要通过多级传销、承诺低风险超高收益，有的甚至以中途退出收取高额手续费的形式，阻止进入资金盘的资金退出。”前述分析人士补充道。
“In general, the withdrawal of funds entering the pool is prevented mainly by means of multi-level distribution, promises of low-risk ultra-high returns, or even by means of mid-way withdrawals from charging high fees.” The foregoing analysts add.
如何多方面防范诈骗行为
How to protect against fraud in many ways.
针对非法虚拟货币市场，监管部门一直保持高压打击态势。河南省金融局提醒，任何组织和个人不得非法从事代币发行融资活动；任何所谓的代币融资交易平台不得从事法定货币与代币、“虚拟货币”相互之间的兑换业务，不得买卖或作为中央对手方买卖代币或“虚拟货币”，不得为代币或“虚拟货币”提供定价、信息中介等服务；各金融机构和非银行支付机构不得开展与代币发行融资交易相关的业务。
The financial bureau of Henan Province warns that no organization or individual should be illegally involved in the financing of money issuance; that no so-called money-for-money financing platform should be engaged in the exchange of legal currency and currency, “virtual currency” or in the purchase or sale of currency or “virtual currency” as a central counterparty; and that no financial institution or non-bank paying agency should be allowed to carry out operations related to the financing of money issuance.
前述业内分析人士称，从目前来看，币圈机构通过电信渠道进行诈骗更为普遍，其次就是打着所谓线下上课的名义行着诈骗的传销行为。因此，建议执法机构一方面要关注线下传销行为的“升级转型”，尤其是借着“数字货币”的名义行骗，另一方面也要关注线上网络空间中的诈骗行为。
According to the above-mentioned industry analysts, fraud by currency circles through telecommunication channels is now more common, followed by fraud distribution in the name of so-called offline classes. It is therefore recommended that law enforcement agencies pay attention to the “upgrading transition” of offline sales, especially in the name of “digital money” and to fraud in online cyberspace.
在多位业内人士看来，除了严防机构违法行为外，目前，大众也需要构建自己的认知水准，不要轻易被宣称所谓的高额利润所诱惑。陈文君指出，做好消费者教育非常重要，特别是对于老年人及部分中年人，要正确看待“数字货币”，切忌听信夸张宣传。
In the view of many practitioners, in addition to preventing institutional irregularities, the general public now needs to build its own level of awareness and not be tempted to claim so-called high profits. Chen Wenjun points out that it is important to do good consumer education, especially for the elderly and some middle-aged, to look at “digital money” correctly and to listen to exaggerated propaganda.
多地警方提醒道，市民理财投资一定要选择合法正规的平台和机构，可以在证监会、期货业协会网站了解其资质或实地查看情况； 切勿轻易相信QQ、微信群里所谓的“老师”“专家”“精英”，更不要在一些来历不明的网络平台和App上投资，这大多都是骗子搭建的虚假平台，可以随意修改数据；此外，切勿盲目加入未经核实的投资理财群，这有可能是预设好的骗局，群里可能除了“入局者”以外，全部都是骗子，会让其不知不觉落入圈套。
(b) Do not easily believe in QQ, the so-called “teachers” “experts” in the micro-letters, and not invest in uncharted web platforms and Apps, which are mostly false platforms set up by fraudsters and allow data to be modified at will; moreover, do not blindly join unverified investment consortia, which may be pre-arranged frauds, all but “entrants” who may fall into the trap.
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