Asking about the phenomenon of "joining the membership" in Ningbo and other places is a detailed explanation of the phenomenon of private fund-raising.

The person in charge of the meeting organizes a group of people, usually friends or colleagues, to pay a certain membership fee every month. For example, if I am the head of the delegation, nine friends around me plus members of 10 will pay 1000 yuan every month, and the 9000 yuan paid by everyone in the first month will be "kept" by the head of the delegation (this is the advantage of the head of the delegation and can be used without interest), and the payment will be agreed from the second month. Then you divide the profit per 50 yuan among the other nine members except you to calculate the 450 yuan. In other words, you will use the interest of 450 yuan money to get the right to use 9000 yuan, and everyone has only one chance. Other people's profits will be high next month. For example, if two people need money, one pays 60 yuan and the other pays 62 yuan, then that person will also get the right to use 9000 yuan with 62 yuan's profits. In fact, it is an overdraft in disguise. You pay a certain membership fee every month, and you can overdraw the money you have saved for 10 months when necessary in the future (10 membership is 10 months, which will be even bigger, so the period of teaching money will be longer and you will get more money at one time. If you have money, you have to go to someone else's house to use it, so you don't need to give everyone a membership fee, because no one is arguing with you, so the interest money given by others every month becomes the interest of all your savings in this period, which is much better than the bank interest. However, there are also cases where some people take the money and leave, and those who want to continue to pay the fee every month can't find anyone, so this responsibility will be borne by the person in charge of the meeting. Therefore, I usually attend more reliable meetings, such as those organized by colleagues in our unit, and the organization is more credible.