安省证监会：Todorov及RARE欺诈客户120万
来源: 大中报特约 Kevin Jia
OSC find Evqueni Todorov and partners guilty of fraud
对于许多遭遇金融欺诈的华裔受害者来说，Evgueni Todorov是一个耳熟能详的名字, 而如今，他终于将要受到金融管理机构的制裁。Todorov假冒资深外汇交易者，设法从数名客户手中骗取了上百万元投资。安省证监会6月27日裁定，Todorov及其RARE Investments的合伙人诈骗客户逾$120万元的指控成立。
EvgueniTodorov—a name far too familiar for many Chinese victims of financial schemes—will finally have the boom lowered upon him. By posing as a sophisticated Forex trader, Todorov managed to defraud several clients of up to hundreds of thousands of dollars. In a June 27th OSC ruling, investigators found Todorov and his partners of RARE Investments guilty of defrauding clients of over $1.2 million for their own personal gains.
骗局
The Scheme
Todorov的骗局始于2009年1月，当时他和他的合伙人成立了一家专门从事外汇交易的金融顾问公司 RARE Investments。他们利用每月能带来1-2%利息回报，每年回报率高达惊人的24%的承兑票据引客户上钩。该公司还声称，一半的客户资金将投资安全的定期存款中，因此投资安全，颇具保障。通过吹嘘自己的成功史和假冒资深的外汇投资策略家，RARE公司成功吸引了16名投资者。
Todorov’s scheme started on January 2009, when he and his partners incorporated a financial consulting company specializing in Forex, RARE Investments. They solicited to investors using promissory notes that offered interest payments of 1-2% per month—annualized at an astounding 24% per year. The company further claimed that half of a client’s money would be invested in secure GIC’s, thereby creating a systemic safety net. By boasting they had a history of previous successes and passing themselves off as sophisticated Forex investment strategists, the company managed to attract 16 investors.
但实际上，RARE公司从未充分兑现回报承诺，而所谓的“安全保障”系统也是阴谋，因为只有四分之一的客户资金投资到定期存款之中。至于“过去的成功”也是一派谎言，这个新建的公司根本就还没有从交易中赚到一分钱。交易操盘手Todorov是工程师出身，从没有真正的外汇投资经验，他的那些合作伙伴也从未在正式机构工作过，因此对外汇投资也是知之甚少。此外，RARE公司根本就没有在安省证监会注册。
In fact, the promised returns never fully materialized and the ‘safety net’ system was a ploy—only a quarter of the funds were ever invested into GIC’s. As for the ‘previous successes’, the company was newly founded and had yet to generate a penny from trading. Todorov, an engineer by trade, had no formal experience in Forex trading—none of the partners had ever worked in a formal institution and had little Forex understanding. RARE Investments itself was never registered with OSC.
但是Todorov的捕猎对象对这些危险信号全然不知，一些垂涎于高回报的投资者们将大量资金投入了RARE公司。随着越来越多投资者坠入圈套，到2009年中期时该公司的客户投资额已经超过$120万元。
But all of these red flags were unbeknownst to Todorov’s prey and investors salivated over the potential gains, and as a result, investments flooded into the company.As investors jumped on the train, more than $1.2 million was invested with RARE by mid-2009.
但是最令人惊讶的，或许还是Todorov一伙人设法完成了一段时间的利息支付。但是当他们涉及外汇市场后，他们的骗局开始迅速瓦解。不知是太过天真还是过于自信，Todorov和他的合伙人开始积极从事外汇交易，并相信自己能够赚到钱。但是外汇市场是非常动荡的金融市场，交易者必需深入了解国际货币的运作及走向。即便是最优秀的投资策略家和规模最大的金融机构也难以维持稳定的回报。
Perhaps most surprisingly, the partners did manage to make interest payments for a while.But the scheme began to unravel quickly when Todorov and their partners tried to speculate on the Forex market. In either pure naivety or over-confidence, Todorov and his partners began undertaking aggressive Forex investments, believing that they could generate a profit. To shed light, Forex, or foreign exchange trading, is an immensely volatile market that requires a sophisticated understanding of international currency movements. Even the best strategists and largest financial institutions struggle to maintain consistent returns.
无情的漠视
Callous Disregard
截至2009年底，RARE公司起伏不定的外汇交易账户中已经拥有近$100万元客户投资。但是在金融危机不久后，该账户资金开始迅速减少。尤其是Todorov的一笔交易就损失逾$47万元。实际上，Todorov的合伙人也没有赚到钱，到2010年时他们的客户投资亏损总额已经高达$688,757元。
By the end of 2009, almost $1 million were invested into volatile Forex accounts. Soon after the financial crisis, the accounts faltered. In particular, one trade by Todorov resulted in a whopping loss of over $470,000. In fact, none of the trades conducted by the partners ever resulted in a profit—by 2010 they had collectively lost $688,757 of investor money.
到2010年3月时，RARE公司已经濒于破产边缘。在其停止支付利息后，投资者开始变得越来越焦虑。在做最后一搏时，Todorov的合伙人与投资者会面并重新谈判本息支付问题，以期拖延骗局的时间，让投资者相信其资金有安全保障。他们却并未向投资者透露公司真实状况。
By March 2010, the company was on the verge of bankruptcy. Interest payments had stopped and investor’s began growing anxious. Time for one last ditch effort, Todorov’s partners met with investors to renegotiate principal and interest repayments to prolong the scheme, reassuring investors that their money was safe. Although the company was on the verge of bankruptcy, they never informed investors of the dire company situation.
尽管RARE公司本身从未赚过一分钱，但Todorov及其合伙人却一直在悄悄地挪用公司资金。当时可能个人债务缠身的Todorov就挪用$1.1万元投资资金偿还了此前的欠债。他的其他合伙人则将设法骗取的近$20万元装进了自己的腰包，其中有一名合伙人个人就侵吞了近$18万元。
Even though the company itself never made a penny, Todorov and his partners continued to quietly pocket company funds. Todorov, who was likely to be in personal debt at the time, used $11,000 of investor funds to pay-off a previous commitment. His other partners managed to swindle nearly $200,000--with one partner pocketing nearly $180,000 alone --into their own wallets.
安省证监会介入
OSC Gets Involved
最终，Todorov一伙人的骗局在2010年底败露。由于RARE公司数次未能按时支付利息和偿还本金，投资者向安省证监会提出投诉，证监会在2011年进行调查，并指控Todorov及其合伙人诈骗客户$115万元。
Finally, by late 2010, the jig was up. With several interest payments missed and unrepaid principals, investors complained to the Ontario Securities Commission. The security watch dog launched an investigation in 2011, and alleged that Todorov and his partners defrauded clients of $1.15 million.
但是Todorov一直极力为自己辩护，他坚称自己从未担任过RARE公司的董事，也从来没有招揽过投资者。此外，Todorov还声称曾试图将自己的逾$50,000元资金投入RARE公司以挽回颓势。
But Todorov was fervent in his own defense. He maintains that he was never a director of the company, and that he had never solicited to investors. Furthermore, Todorov also claims that he attempted to salvage the company by pumping more than $50,000 of his own money into RARE.
然而，安省证监会却发现Todorov开通了多个账户，并曾屡次吹嘘自己是RARE公司的“首席交易策略家”。调查还发现Todorov曾设法从三名投资者处筹集资金$37.5万元，其中有一名投资者被骗了$20万元。但出人意料的是，调查同时发现Todorov的确曾经投入个人资金挽救公司。但即便如此，安省证监会最终仍然认定Todorov加入RARE公司的唯一目的，就是为了挪用公司资金谋取私利。
However, the OSC found that Todorov was a signatory on several accounts and on several occasions, he marketed himself as RARE’s ‘Chief Trading Strategist’. They also found that Todorov had managed to solicit 3 investors to the tune of $375,000. In particular, one investor was scammed $200,000. Unexpectedly, the investigation discovered that Todorov indeed pumped personal funds to salvage the company; however OSC ultimately concluded that Todorov joined RARE for the sole purpose of embezzling funds for his own gain.
在彻底陷入绝境后，Todorov亦曾使尽各种伎俩为自己脱身。他声称承兑票据实际上属于“贷款”，因此他并未参与“证券”交易或投资。但证监会否决了他的论点，并驳回了他的自我辩护。调查认定Todorov犯有严重的金融罪行，欺诈。
In absolute desperation, Todorov attempted to argue technicalities with OSC. He alluded that the promissory notes were written as ‘loans’ and he was therefore not involved in trading or investing ‘securities’ per se. The OSC rejected his arguments and overruled his own testimonials. Investigators found Todorov guilty of the severest financial crime—fraud.
尽管安省证监会可能会对Todorovis处以严厉的罚款，但他和他的诈骗合伙人从投资者处诈骗的$120万元资金很可能一去不复返。对于被骗走血汗钱的投资者来说这无疑是一个悲惨的噩梦，但是他们仍有一线希望。Todorov的骗局给人们带来了一个深刻的教训——假如有些事好得令人难以置信，那么你最好还是别信。
Although Todorov is expected to receive a harsh financial penalty from OSC,the $1.2 million that he and his fraudulent partners swindled is likely gone forever. It’s a harrowing nightmare for the investorswho were cheated out of their hard-earned dollars. But there is a silver lining. Todorov’s scheme is a grueling lesson—when something sounds too good to be true, it’s because it is.
对于许多遭遇金融欺诈的华裔受害者来说，Evgueni Todorov是一个耳熟能详的名字, 而如今，他终于将要受到金融管理机构的制裁。Todorov假冒资深外汇交易者，设法从数名客户手中骗取了上百万元投资。安省证监会6月27日裁定，Todorov及其RARE Investments的合伙人诈骗客户逾$120万元的指控成立。
EvgueniTodorov—a name far too familiar for many Chinese victims of financial schemes—will finally have the boom lowered upon him. By posing as a sophisticated Forex trader, Todorov managed to defraud several clients of up to hundreds of thousands of dollars. In a June 27th OSC ruling, investigators found Todorov and his partners of RARE Investments guilty of defrauding clients of over $1.2 million for their own personal gains.
骗局
The Scheme
Todorov的骗局始于2009年1月，当时他和他的合伙人成立了一家专门从事外汇交易的金融顾问公司 RARE Investments。他们利用每月能带来1-2%利息回报，每年回报率高达惊人的24%的承兑票据引客户上钩。该公司还声称，一半的客户资金将投资安全的定期存款中，因此投资安全，颇具保障。通过吹嘘自己的成功史和假冒资深的外汇投资策略家，RARE公司成功吸引了16名投资者。
Todorov’s scheme started on January 2009, when he and his partners incorporated a financial consulting company specializing in Forex, RARE Investments. They solicited to investors using promissory notes that offered interest payments of 1-2% per month—annualized at an astounding 24% per year. The company further claimed that half of a client’s money would be invested in secure GIC’s, thereby creating a systemic safety net. By boasting they had a history of previous successes and passing themselves off as sophisticated Forex investment strategists, the company managed to attract 16 investors.
但实际上，RARE公司从未充分兑现回报承诺，而所谓的“安全保障”系统也是阴谋，因为只有四分之一的客户资金投资到定期存款之中。至于“过去的成功”也是一派谎言，这个新建的公司根本就还没有从交易中赚到一分钱。交易操盘手Todorov是工程师出身，从没有真正的外汇投资经验，他的那些合作伙伴也从未在正式机构工作过，因此对外汇投资也是知之甚少。此外，RARE公司根本就没有在安省证监会注册。
In fact, the promised returns never fully materialized and the ‘safety net’ system was a ploy—only a quarter of the funds were ever invested into GIC’s. As for the ‘previous successes’, the company was newly founded and had yet to generate a penny from trading. Todorov, an engineer by trade, had no formal experience in Forex trading—none of the partners had ever worked in a formal institution and had little Forex understanding. RARE Investments itself was never registered with OSC.
但是Todorov的捕猎对象对这些危险信号全然不知，一些垂涎于高回报的投资者们将大量资金投入了RARE公司。随着越来越多投资者坠入圈套，到2009年中期时该公司的客户投资额已经超过$120万元。
But all of these red flags were unbeknownst to Todorov’s prey and investors salivated over the potential gains, and as a result, investments flooded into the company.As investors jumped on the train, more than $1.2 million was invested with RARE by mid-2009.
但是最令人惊讶的，或许还是Todorov一伙人设法完成了一段时间的利息支付。但是当他们涉及外汇市场后，他们的骗局开始迅速瓦解。不知是太过天真还是过于自信，Todorov和他的合伙人开始积极从事外汇交易，并相信自己能够赚到钱。但是外汇市场是非常动荡的金融市场，交易者必需深入了解国际货币的运作及走向。即便是最优秀的投资策略家和规模最大的金融机构也难以维持稳定的回报。
Perhaps most surprisingly, the partners did manage to make interest payments for a while.But the scheme began to unravel quickly when Todorov and their partners tried to speculate on the Forex market. In either pure naivety or over-confidence, Todorov and his partners began undertaking aggressive Forex investments, believing that they could generate a profit. To shed light, Forex, or foreign exchange trading, is an immensely volatile market that requires a sophisticated understanding of international currency movements. Even the best strategists and largest financial institutions struggle to maintain consistent returns.
无情的漠视
Callous Disregard
截至2009年底，RARE公司起伏不定的外汇交易账户中已经拥有近$100万元客户投资。但是在金融危机不久后，该账户资金开始迅速减少。尤其是Todorov的一笔交易就损失逾$47万元。实际上，Todorov的合伙人也没有赚到钱，到2010年时他们的客户投资亏损总额已经高达$688,757元。
By the end of 2009, almost $1 million were invested into volatile Forex accounts. Soon after the financial crisis, the accounts faltered. In particular, one trade by Todorov resulted in a whopping loss of over $470,000. In fact, none of the trades conducted by the partners ever resulted in a profit—by 2010 they had collectively lost $688,757 of investor money.
到2010年3月时，RARE公司已经濒于破产边缘。在其停止支付利息后，投资者开始变得越来越焦虑。在做最后一搏时，Todorov的合伙人与投资者会面并重新谈判本息支付问题，以期拖延骗局的时间，让投资者相信其资金有安全保障。他们却并未向投资者透露公司真实状况。
By March 2010, the company was on the verge of bankruptcy. Interest payments had stopped and investor’s began growing anxious. Time for one last ditch effort, Todorov’s partners met with investors to renegotiate principal and interest repayments to prolong the scheme, reassuring investors that their money was safe. Although the company was on the verge of bankruptcy, they never informed investors of the dire company situation.
尽管RARE公司本身从未赚过一分钱，但Todorov及其合伙人却一直在悄悄地挪用公司资金。当时可能个人债务缠身的Todorov就挪用$1.1万元投资资金偿还了此前的欠债。他的其他合伙人则将设法骗取的近$20万元装进了自己的腰包，其中有一名合伙人个人就侵吞了近$18万元。
Even though the company itself never made a penny, Todorov and his partners continued to quietly pocket company funds. Todorov, who was likely to be in personal debt at the time, used $11,000 of investor funds to pay-off a previous commitment. His other partners managed to swindle nearly $200,000--with one partner pocketing nearly $180,000 alone --into their own wallets.
安省证监会介入
OSC Gets Involved
最终，Todorov一伙人的骗局在2010年底败露。由于RARE公司数次未能按时支付利息和偿还本金，投资者向安省证监会提出投诉，证监会在2011年进行调查，并指控Todorov及其合伙人诈骗客户$115万元。
Finally, by late 2010, the jig was up. With several interest payments missed and unrepaid principals, investors complained to the Ontario Securities Commission. The security watch dog launched an investigation in 2011, and alleged that Todorov and his partners defrauded clients of $1.15 million.
但是Todorov一直极力为自己辩护，他坚称自己从未担任过RARE公司的董事，也从来没有招揽过投资者。此外，Todorov还声称曾试图将自己的逾$50,000元资金投入RARE公司以挽回颓势。
But Todorov was fervent in his own defense. He maintains that he was never a director of the company, and that he had never solicited to investors. Furthermore, Todorov also claims that he attempted to salvage the company by pumping more than $50,000 of his own money into RARE.
然而，安省证监会却发现Todorov开通了多个账户，并曾屡次吹嘘自己是RARE公司的“首席交易策略家”。调查还发现Todorov曾设法从三名投资者处筹集资金$37.5万元，其中有一名投资者被骗了$20万元。但出人意料的是，调查同时发现Todorov的确曾经投入个人资金挽救公司。但即便如此，安省证监会最终仍然认定Todorov加入RARE公司的唯一目的，就是为了挪用公司资金谋取私利。
However, the OSC found that Todorov was a signatory on several accounts and on several occasions, he marketed himself as RARE’s ‘Chief Trading Strategist’. They also found that Todorov had managed to solicit 3 investors to the tune of $375,000. In particular, one investor was scammed $200,000. Unexpectedly, the investigation discovered that Todorov indeed pumped personal funds to salvage the company; however OSC ultimately concluded that Todorov joined RARE for the sole purpose of embezzling funds for his own gain.
在彻底陷入绝境后，Todorov亦曾使尽各种伎俩为自己脱身。他声称承兑票据实际上属于“贷款”，因此他并未参与“证券”交易或投资。但证监会否决了他的论点，并驳回了他的自我辩护。调查认定Todorov犯有严重的金融罪行，欺诈。
In absolute desperation, Todorov attempted to argue technicalities with OSC. He alluded that the promissory notes were written as ‘loans’ and he was therefore not involved in trading or investing ‘securities’ per se. The OSC rejected his arguments and overruled his own testimonials. Investigators found Todorov guilty of the severest financial crime—fraud.
尽管安省证监会可能会对Todorovis处以严厉的罚款，但他和他的诈骗合伙人从投资者处诈骗的$120万元资金很可能一去不复返。对于被骗走血汗钱的投资者来说这无疑是一个悲惨的噩梦，但是他们仍有一线希望。Todorov的骗局给人们带来了一个深刻的教训——假如有些事好得令人难以置信，那么你最好还是别信。
Although Todorov is expected to receive a harsh financial penalty from OSC,the $1.2 million that he and his fraudulent partners swindled is likely gone forever. It’s a harrowing nightmare for the investorswho were cheated out of their hard-earned dollars. But there is a silver lining. Todorov’s scheme is a grueling lesson—when something sounds too good to be true, it’s because it is.
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