The first pit: prepaid recharge

"The reward for opening a new store is big, 20% fee 1000, 50% fee 5000, fracture fee10000 ..." Sound familiar? Yes, this pit is: prepaid recharge. Among the top ten consumer rights protection hotspots of China Consumers Association in 20 17 and 20 18, complaints about prepaid recharge have been in the top five for a long time, especially in beauty salons and gyms.

The second pit: consumer loans

2065438+March 2009, Suzhou Lezhan Apartment, which was broken due to the "lease loan" capital chain, was acquired by Bee Village Network Technology Company; 2065438+July 2009, the capital chain of Nanjing Yuheng Apartment was broken; 20 19 August, Le Jia apartment collapsed. From 20 19 to 10, a large number of Web English shops closed, employees were dismissed, and students' tuition fees could not be refunded, and rumors of "running away" and "closing down" were rampant.

If the gym simply prepays the stored value, consumers can bite their teeth even if they can't recover the loss, as a lesson. However, people who spend money on loans really want to cry: not only are they absent from school, have no room to live, have no money to pay back, but they also have to repay the loan on time. If you are unable to repay, it will not only affect your credit history, but also encounter violent collection, which is even more difficult.

The third pit: stir-fry shoes, stir-fry blind boxes and stir-fry Lo skirts.

2065438+July 2009, a 90-year-old boy named "Liu Biscuit" entered the field of shoe speculation and ran away because of debt. 2065438+September 2009, the highest premium of blind boxes was nearly 40 times, and xx people spent 700,000 yuan a year on blind boxes. From 20 19 to 10, the price of lo skirt rose from 1000 yuan to 30,000 yuan, which is more terrible than the profit of "fried shoes". ...

The fourth pit: the concept of empty currency and blockchain

20 19 Run for the first time: Before the Spring Festival, the digital wallet MoreToken "ran away" with the funds of more than one billion investors. June 19, 10, official website, cryptocurrency wealth management wallet project, unable to access APP wallet, unable to use. Billions of dollars went up in smoke. 2065438+September 2009, Walden Blockdog, which specializes in blockchain pets, completely collapsed and ran away after the platform circle of 23 billion yuan.

The fifth pit: banks also step on thunder.

2065438+June 2009, China Merchants Bank consigned the "Qian Duan" APP, with overdue payment of1400 million. China Merchants Bank, known as the "king of retail", always feels safe and steady. But everyone didn't expect that such a "low-yield" investment product, which was promoted and endorsed by China Merchants Bank, was even less than 6%.

In fact, since 20 16, advertisements have been hung in the lobby of China Merchants Bank, and staff members have vigorously promoted it with performance tasks, and even helped customers download software manually. Investors think that they are buying the wealth management of China Merchants Bank, and they will not lose too much even if they don't break even, right? But they didn't expect that the Qian Duan they registered to use was actually a P2P platform. It is nothing new for P2P to run and thunder. Up to now, China Merchants Bank and Qian Duan are still pushing each other, and all investment projects have been postponed, making it impossible to specify the repayment period. The overdue amount reached 654.38+04 billion yuan, involving 9000 people.