Fascinating documentary, thanks for sharing! If I understand the business model correctly, isn't the 融道网 (Roadoor.com) 9.00% guaranteed principal + interest mentioned in the documentary considered a Ponzi scheme in the US? How much of the return on capital is from RoI from investment into companies (exits, dividends, organic growth) vs. just increased AuM from (老百姓) investors?

Edit: just realized that businesses requesting loans to 融道网 are screened prior to being made available to public investors, so the deal flow appears to be capped by available business opportunities.