詐騙分子不斷尋找好的機會出手，最好的目標自然是沒有防備之心的投資者。這種投資者哪裡最多？無疑是人口龐大、監管架構不完善，甚至真空的發展中國家了。其中東南亞市場，包括中國、馬來西亞、泰國等國家常常是詐騙分子最喜歡的。

馬來西亞是東南亞主要的發展中國家，它的地理位置優越，東部與印尼、菲律賓、汶萊相鄰，北部與泰國接壤，南部是全球金融中心新加坡。馬來西亞人口超過3000萬，被評選為全球最受歡迎國家的第44位。

馬來西亞的法定貨幣為林吉特（Ringgit），國際貨幣符號為MYR。該國的經濟依賴出口，而林吉特的匯率波動會對經濟產生較大的影響。過去的幾年來，美元兌林吉特幾年間下跌到目前的4.26，資本外流成為國內的主要問題。而金融詐騙犯們就偏愛國內貨幣貶值造成資本外流的國家。近幾年來，我們不斷聽聞馬來西亞的各種龐氏騙局坑害投資者。

毫無疑問，馬來西亞是金融傳銷公司的「樂園」。

馬來西亞的監管定義模糊

和很多發展中國家一樣，馬來西亞由兩大機構合作監管國內的金融投資活動——馬來西亞央行（BNM）和馬來西亞證券委員會（SC）。但是問題也來了。

馬來西亞央行希望在一定程度上控制林吉特的波動，採取措施抑制不必要的資金外流，採取的措施就是嚴控外匯交易，只允許持牌銀行和金融機構運營。

SC監管交易所交易產品、商品和外匯期貨，並規範經紀商的活動。馬來西亞在《外匯管制法》中規定，任何人涉及到非授權交易商進行外匯交易的行為都屬違法。但是，該國監管並未明確對在線外匯交易做出表態，馬來西亞有關零售外匯交易還有2個矛盾的規定：

● 你只能和持牌金融機構進行外匯交易；

● 與未持牌金融機構進行的海外投資活動中，每場交易最高資金不可超過10,000林吉特。

但是，法律並未明確「零售外匯交易」到底對應哪一個規定。零售交易者與一家離岸經紀商交易，這是在交易外匯，還是進行海外投資呢？任何人都說不清道不明，詐騙也就由此而生。

馬來西亞外匯詐騙的本質是什麼？

由於林吉特貶值，馬拉西亞居民往海外投資的欲望更加強烈。大量居民甚至舉債數百萬林吉特進行投資。要想吸引人，投資項目介紹中常常寫著「月回報率高達20%，甚至更高」。

馬來西亞一名金融記者曾如此表示：「很不幸，看起來太好的投資項目正在馬來西亞橫行。依靠手機和網絡技術，包括外匯、黃金、棕櫚油、甚至單純的金字塔模式的金融產品都被精心包裝，承諾高回報、低風險和短期盈利來招攬投資者。儘管多年來，媒體和監管機構都在重複警告這類項目的特徵和高風險，但是依然有大量居民陷入其中，一場詐騙虧損能達到數十億林吉特。」

BNM和SC花了很大力氣調查未授權、和帶有詐騙性質的投資項目，BNM的警告名單上包含288家公司和項目，SC則包含188個公司及項目，這個數字還在不斷增加。

已垮台的外匯投資詐騙項目

馬來西亞的詐騙不局限於國內，它們常常跨越國境，向周邊國家延伸。中國是重災區之一。FXword匯眾上周報導了公認的金融傳銷公司IGOFX全線爆倉，30多萬會員損失近數百億。而IGOFX的主要運營市場就是馬來西亞。

近日馬來西亞最大的一個詐騙網絡JJPTR（解救普通人）被瓦解。JJPTR宣稱月盈利高達20%，而現在投資者虧損保守估計可達5億人民幣（約1億美元），真實虧損金額最高是這個數字的3倍。FXword匯眾曾多次發文揭露JJPTR的騙局，直到其創辦人李宗聖被捕，都依然有其粉絲為該詐騙做辯護。

此外，馬來西亞還有多個類似的以「外匯投資」為名的詐騙項目正在接受調查，比如Change Your Life（CYL）、Richway Global Venture、BTC I-system。無一例外，這些詐騙全部以高額利潤作為噱頭。

In 2015, Malaysian MOP founder "Datuk" Wang Ruiwen was arrested. His Easy Capital (Easy Capital) and Victoria Foreign Exchange are suspected of fraud amounting to 40 million U.S. dollars, and the number of victims is estimated to be more than 6,000. Wang Ruiwen scammed under the "Miracle International Group" brand in Malaysia, and then absconded with money overnight, and the world evaporated. The directors of Miracle International Group and agents from various districts went to the police department to report.

An accident occurred in 27 Malaysian capital stock companies in two months

In April and May of this year, 27 capital companies in Malaysia announced their collapse, proposed a carousel plan or lost contact with their founders. Among these 27 money game companies, 21 of the founders have lost contact, one is suspected of crashing, and three have launched a carousel plan. Only two have returned part of the funds, including funds covered by foreign exchange wealth management like JJPTR. There are many customers in China.

April

1. JJPTR (partial refund)

2. BSV (partial refund)

3. Richway (turntable)

4. CYL (Turntable)

5. WMS (Turntable)

6. Paramount (lost connection)

7. Evergreen (lost connection)

8.Visfuture (lost connection)

9. GMFX (lost connection)

10.GD (lost connection)

11.Gaming 339 (lost connection)

12. WVC (lost connection)

13.TRF (lost connection)

14. PDM (lost connection)

15.Maxflex (lost connection)

16.Afx (lost connection)

May

1. KKC (lost connection)

2. CMGFIC (lost connection)

3. CG International (lost connection)

4. Dreamwayz (lost connection)

5. The Royal Club (lost connection)

6. GSR (lost connection)

7. Wealth Venture Capital (lost connection)

8. WMS Capital (lost connection)

9. Paramout 8888 (lost connection)

10. TF takes off (lost connection)

11. Livecoin (the rumor has collapsed)

How to distinguish fraud?

BNM has made a move to announce some common characteristics of financial scams, reminding investors to stay away from the following types of companies. Since related scams often copy the same method to make money in the Chinese market, the following tips also apply to Chinese investors:

· The promised high return or profit, and the return is much higher than that of banks, trust funds and other financial companies under the supervision of SC. The average annual profit of some investment projects under SC supervision is between 4%-16%;

· Any product with an annual return of more than 18% , even if there is a guarantor, you should be vigilant;

· Be vigilant about products and services provided by mail, telephone, Internet or personally, and projects that guarantee cash rebates ;

· The vast majority of illegal operators claim to be from overseas and do not need a Malaysian regulatory license or already have other levels of regulatory authorization;

· Investors may not be able to obtain copies of any documents of the operating company;

· Investors' first few investments often have high returns. This is to gain the trust of investors and persuade them to continue investing;

· High returns cannot last long, because illegal operating companies have to maintain fraudulent activities for as long as possible, so they cannot return funds to investors for a long time.

Bank of Malaysia announces 64 illegal foreign exchange or financial MLM companies

The following 64 foreign exchange investment or financial MLM companies blacklisted by the Bank of Malaysia:

1) Cloud Data Trading (pyramid pyramid scheme, original stock fraud group)

2) Dream Group (Pyramid MLM, illegal fund-raising fraud group)

3) Mbi, Mface (virtual currency, illegal fundraising)

4) World Ventures (Pyramid Travel MLM)

5) Nanning investment fraud (pyramid scam)

6) Boss Venture (illegal fundraising)

7) Ufun Utoken (virtual currency, illegal fundraising)

8) Bwin Group bwin (mouse club, illegal fund-raising fraud group)

9) Fusion Excel International magic volcanic stone (original stock fraud)

10) Scratch Group (fraud group)

11) Asian Bitcoin (virtual currency transaction)

12) Genneva (Jin Yuhua Gold Scam)

13) Mc Ocean (illegal fundraising)

14) Great Coin (FORTREND INTERNATIONAL) illegal fundraising without a license

15) Mega Wisdom (Unlicensed illegal fund-raising fraud group)

16) Mu Club (Hong Kong lucky 2 u) (Unlicensed illegal fund-raising fraud group)

17) Malaysian MC Angel Fund (money game) pyramid illegal fundraising

18) RCFX Forex (illegal forex trading) illegal foreign exchange investment

19) GPLF (Global peace loving family) illegal fundraising fraud

20) IBS Forex (illegal forex trading) illegal foreign exchange investment

21) MOP Forex (illegal forex trading) illegal foreign exchange investment

22) MAXIM TRADER (illegal forex trading) illegal foreign exchange investment

23) IRONFX (illegal forex trading) illegal foreign exchange investment

24) Skyhawk International Alliance (illegal forex trading) illegal foreign exchange investment

25) GSM Jubao Finance (illegal forex trading) illegal foreign exchange investment

26) T1FX FOREX (illegal forex trading) illegal foreign exchange investment

27) BLACKLIST LOAN AGENCY (to assist disqualified persons in loan scams)

28) ACESSE MARKETING SDN BHD (Advertising Click Mouse Club)

29) ASEAN PARADISE (illegal fundraising fraud)

30) MY AUNEW (get rich quick illegal fundraising fraud group)

31) PHYTO SCIENCE (Get Rich Quick Mouse Club)

32) Address C INTERNATIONAL (Illegal fundraising fraud group)

33) Organo Gold Coffee (illegal pyramid scheme)

34) Island red coffe Hongdao coffee fraud (pyramid pyramid scheme)

35) Truth, Goodness and Beauty (the Standard Association fraud group) illegal fund-raising

36) Riway (get rich quick MLM)

37) Winalite Global Yuelang International (get rich quick MLM)

38) 1Whp (Pyramid Rat Club)

39) Winglab king saver power saving card (fraud group)

40) UMATRIN (illegal fundraising) registration is different from commercial nature

43) K COIN (virtual currency fraud)

44) Dragon Ball Fruit (illegal fundraising fraud)

45) Howell Dato’s Sales Group (Nanning, Indonesia’s fake Dato’s sale)

46) Yingxuetong (illegal fund-raising fraud)

48) Alphawave (Get Rich Quick Pyramid Mouse Club)

49) Agarwood (fraud group)

50) Royale Gold Sdn Bhd (Illegal Fund-raising and Dividend Rat Club)

51) Public Golden House (gold fraud company)

52) Emgoldex (unlicensed gold trading, illegal fund-raising and dividends)

53) BClifestyle (illegal fundraising)

54) GEMCOIN USFIA (Amber Fraud Group)

55) MIS ad click fraud group

56) Instaforex (illegal forex trading) illegal foreign exchange investment and illegal fund-raising fraud group

57) T&G Global (Illegal Deception of Good Family Women)

58) JJPTR (funding, collapsed and partially refunded)

59) Bitkingdom

60) JJ Global Network

61) JJ Poor To Rich

62) Pertubuhan Kebajikan Komuniti Malaysia (PKKM)

63) Pruton Mega Holding Limited

64) Webster Trade Consulting Sdn Bhd

The above data is from the Bank of Malaysia for reference only.

Recommended reading for related articles:

· " IGOFX's full-line liquidation was suspected of running away, 300,000 members lost tens of billions! 》

· "Nearly 500 million U.S. dollars in foreign exchange accounts are missing! Chinese investors want to cry without tears, the founder of the company was arrested"

· "Latest News丨JJPTR's capital runaway follow-up, who will save this group of "ordinary people"? 》

· "Foreign exchange trading lost 400 million U.S. dollars in 2 minutes, this company is too "brilliant"! 》