Don't laugh at traditional finance; the rural dog project you're involved in doesn't even have a guarantor among dishonest executors!

The promise of guaranteed high returns had barely been made before the Xiangyuan Group's hundred billion financial products suddenly collapsed at the end of 2025. Investors not only lost their expected returns, but their principal was also trapped and inaccessible. This incident revealed not just the default of a single product but the comprehensive dilemma of Yu Faxiang's real estate sustaining the cultural tourism business model.

What was once a myth of wealth creation has now become a textbook on risk. Yu Faxiang's path from apprentice to tycoon was fundamentally based on acquiring land around scenic spots at low prices, quickly developing real estate to recover cash flow, and then reinvesting in cultural tourism project operations. However, when the real estate industry as a whole began to cool, this cash flow lifeline was instantly severed.

Sadly, the company is already deeply mired in debt, with its subsidiaries frequently becoming executors, yet Yu Faxiang himself was still misappropriating funds from the listed company illegally last year and continuing to aggressively acquire new projects. This addiction to expansion and disregard for risk ultimately turned ordinary investors into the ones footing the bill.

What is even more concerning is that the Zhejiang Financial Center, which issued this product, had already lost its financial trading qualifications a year before the collapse. Many investors only looked at the state-owned background and big-name guarantees, without verifying whether the platform itself was licensed to operate. When the guarantor cannot secure itself, the so-called guarantee becomes meaningless.

This incident serves as a heavy reminder for us: First, investment products cannot be judged solely by their prominent branding; it is essential to thoroughly investigate the underlying assets and platform qualifications;

Second, personal guarantees from entrepreneurs are often tied to the fate of the company; if the company fails, the guarantee is empty talk;

Third, the level of returns is not an absolute standard of risk; where the money is ultimately invested is the key.

Currently, although the relevant parties have established a working group, the road to investor rights protection remains long. This upheaval has confirmed a simple truth at the cost of hundreds of billions: anything that promises guaranteed profits often hides the greatest risks.

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