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“一点公益”平台设计的返利模式因以后期收入资金支付前期承诺的返利而被诟病存在庞氏骗局的嫌疑,但由于其为消费平台而非投资平台,且返利资金来源于每日消费额的固定比例,即便因消费额大幅下降导致每日返利大幅下降,也不属于资金链断裂的情况,因此实非庞氏骗局。但每日返利数额和返利所需总时长的不确定性意味着平台需要作出相应的风险提示。“一点公益”平台成立初期在风险提示方面存在一定疏漏,后期进行了完善。此外,推荐人返利与被推荐人消费额挂钩的制度不具有层级性这一刑法上的构成要件,也不符合《禁止传销条例》规定的“拉人头式”传销的客观要件及主观要件,因此难以认定为刑法或行政法上的传销。值得注意的是,“一点公益”平台设置了消费者个人向“一点公益”基金会直接捐赠的渠道,但“一点公益”基金会尚无《慈善法》规定的公募资格,需要关注及纠正。
“A little public interest ” Platform design rebate mode because of late-stage income funds to pay for early promised rebates were accused of the existence of Ponzi fraud suspects, but because it is a consumer platform rather than an investment platform, and rebate funds come from the daily consumption The fixed proportion of the amount does not belong to the case of a broken capital chain even if the daily rebate drops sharply due to the sharp drop in the amount of consumption. Therefore, it is a non-Ponzi scheme. However, the daily amount of rebate and the total length of the rebate uncertainty means that the platform needs to make the appropriate risk alert. “A little public service ” early stage of the platform there is a certain omission in the risk warning, post-perfection. In addition, the rebate of the recommender and the system of relying on the reimbursement of the referees’ expense do not have the hierarchical elements of the criminal law, nor the objective elements and subjective elements of the reigning pyramid selling under the Prohibition of Pyramid Selling Regulations , It is difficult to identify as pyramid schemes or administrative law MLM. It is noteworthy that “a little public ” platform set up a consumer individual to “a little public ” foundation donations channel, but , Need to pay attention and correct.