用户名: 密码: 验证码:    注册 | 忘记密码?
首页|听力资源|每日听力|网络电台|在线词典|听力论坛|下载频道|部落家园|在线背单词|双语阅读|在线听写|普特网校

VOA慢速英语[词汇典故]金字塔骗局与庞氏骗局

2016-05-12    来源:网络    【      美国外教 在线口语培训
— 查看译文 —

tips:怎样阅读才是有质量的阅读了? 中英对照请点击【中英对照】查看译文请点击 【查看译文】进行核对。


And now the VOA Learning English program, Words and Their Stories.
 
When you work hard for your money, you do not want to lose it. And if you invest your hard-earned money, you want to see great returns. But if you’re looking to invest money, be careful!  
 
We have an expression: If a deal is too good to be true, it probably is.
 
There are many ways to be tricked out of your money. There are frauds, schemes, scams and cons carried out by fraudsters, schemers, scammers and con artists.
 
Two types of rip-offs that are good to know are pyramid schemes and Ponzi schemes.
 
First, let’s talk about pyramid schemes. It may sound like they started in ancient Egypt. But they did not. A pyramid scheme is a dishonest and usually illegal business in which the money of later investors is used to pay the people who invested first.
 
The fraudsters behind a pyramid scheme make their marketing scheme look real with many types of products or services. However, pyramid schemers simply use money coming in from new investors to pay off early stage investors.
 
When they can’t raise enough money from new investors to pay earlier ones, the pyramid scheme falls apart. As it comes crashing down, many people can lose lots of money.
 
A Ponzi scheme is similar, but also different.
 
In both Ponzi and pyramid schemes, existing investors are paid by the money of new investors. But there is a big difference between a Ponzi and pyramid scheme.
 
In a Ponzi scheme participants believe they are actually earning returns from their investment. In a pyramid scheme, participants are aware that they are earning money by finding new participants. They become part of the scheme.
 
A Ponzi scheme is an investment trick.
 
Ponzi scheme is named after Charles Ponzi. In the 1920s, Charles Ponzi tricked thousands of people into investing in a postage stamp scheme.
 
At the time of his scheme, the annual interest rate for bank accounts was five percent. Ponzi promised investors a high return -- 50 percent -- in a very short amount of time. However, there were no investments. There were no honest returns. Ponzi used incoming funds from new investors to pay the returns to the earlier investors.
 
A man named Bernie Madoff ran the largest and longest-running Ponzi scheme in the United States. The website BusinessInsider.com says Madoff made off with about $20 billion of investors’ funds.  
 
One reason Madoff was able to fly under the radar for so long is because he was very well-known and trusted in the financial industry. He started his own investment firm in 1960 and helped start the Nasdaq stock market.
 
But no matter how financially smart you are, a Ponzi scheme can only work if the clients keep their money in the scheme.
 
Madoff’s world came crashing down when his clients demanded to be paid about $7 billion and Madoff had only $200 - $300 million.
 
In 2009, Madoff pleaded guilty to running a Ponzi scheme and stealing $17.5 billion from investors. He is serving a 150-year sentence in prison. But that is cold comfort to the thousands of investors, some of whom lost their entire life savings.
 
So consider yourself warned! If an investment scheme sounds too good to be true, it is.
 
I’m Anna Matteo. 

欢迎收听VOA慢速英语词语掌故节目。

 

辛辛苦苦赚到的钱,你肯定不想失去它。如果你用辛苦赚来的钱进行投资,你肯定想看到丰厚的回报。但是如果你想进行投资,一定要小心!

 

我们有这样一种说法:一笔交易如果收益太多了,那很有可能就是假的。

 

有很多骗钱的方法。诈骗犯进行诈骗,阴谋家搞阴谋,骗子骗钱,诈骗团伙诈骗钱财。

 

有两种诈骗你应该知道,金字塔骗局和庞氏骗局。

 

首先,我们来谈谈金字塔骗局。听起来似乎是起源于古埃及。但其实并不是。金字塔骗局是一种不诚信,通常情况下是非法的交易,是用后一批投资者存入的资金,支付给前一批投资者作为投资的利润。

 

金字塔骗局背后的诈骗犯会利用各种类型的产品和服务将其市场计划伪装的很真实。但是这些诈骗犯只不过是将新的投资者的钱支付给早期投资者。

 

当他们从新的投资者那里筹集不到足够的钱支付给前一批投资者,金字塔骗局就会崩塌。分崩离析的碎块砸下,大多数人要损失很多钱。

 

庞氏骗局和其类似,但有所不同。

 

庞氏骗局和金字塔骗局都是用新投资者的钱支付给现有投资者。但是二者有一个很大的区别。

 

庞氏骗局的参与者相信他们真的从投资中获得了回报。而在金字塔骗局中,参与者知道他们通过找到新的参与者来赚钱。他们也是骗局的一部分。

 

庞氏骗局是一种投资骗局。

 

庞氏骗局以查尔斯·庞兹的名字命名。20世纪20年代,查尔斯诱骗成千上万人进行一项邮票投资。

 

那时银行每年的利率是5%。庞氏承诺投资人在短时间内获得50% 的高回报。然而,根本没有投资。没有任何可靠的回报。庞氏将后一批投资人投资的钱支付给前一批投资者。

 

Bernie Madoff在美国经营了最大规模、为时最长的庞氏骗局。BusinessInsider.com网站说Madoff携200亿投资资金逃跑。

 

Madoff之所以在监管之下实施如此长时间的骗局,是因为他在金融业太过知名,人们很信任他。他在1960年创办了自己的投资公司,协助成立纳斯达克股票市场。

 

不管你在金融方面多么厉害,只有客户不断为骗局投钱,庞氏骗局才会成功。

 

当Madoff需要为客户支付70亿美元而他手中只有两三亿的时候,Madoff的骗局开始崩塌。

 

2009年,Madoff承认实施庞氏骗局,从投资者那里偷走175亿美元。他被判在监狱服刑150年。但是这对成千上万名投资者来说并不是什么安慰,他们当中不少人损失了一辈子的存款。

 

所以自己一定要谨慎!如果一个投资听上去太诱人,像一个骗局,那有可能真的是骗局。

 

Anna Matteo为您报道。



顶一下
(57)
89.1%
踩一下
(7)
10.9%
手机上普特 m.putclub.com 手机上普特
[责任编辑:katherine]
------分隔线----------------------------
发表评论 查看所有评论
请自觉遵守互联网政策法规,严禁发布色情、暴力、反动的言论。
评价:
表情:
用户名: 密码: 验证码:
  • 推荐文章
  • 资料下载
  • 讲座录音
普特英语手机网站
用手机浏览器输入m.putclub.com进入普特手机网站学习
查看更多手机学习APP>>