治理养老非法集资，要打击犯罪也要问责监管

Core Viewpoint - The article highlights the increasing prevalence of illegal fundraising activities targeting the elderly in the pension sector, emphasizing the need for regulatory vigilance and the importance of protecting the rights of senior citizens [1][2][3]. Group 1: Illegal Fundraising Cases - The case of Wang and others in Inner Mongolia involved illegal fundraising through a funeral service company, attracting 70 million yuan from 800 participants, with 80% being seniors over 60 years old, promising high returns of 8%-15% [1]. - The case in Liaoning involved a company using a "medical and nursing integration" model to illegally raise funds, offering a 20% return over two years through a consumption card scheme [2]. - The Hunan Hengyang case, involving 2.8 billion yuan, saw civil servants being criminally prosecuted for their roles in the illegal fundraising, highlighting the complexity and evolving nature of such crimes in the pension sector [3]. Group 2: Characteristics of Illegal Fundraising - Common characteristics of these illegal fundraising schemes include promises of returns higher than legitimate financial products, claims of "zero risk," and incentives such as gifts or organized events to attract elderly participants [2]. - The article notes that the methods of operation are becoming more sophisticated and deceptive, making it crucial for regulatory bodies to enhance their oversight and preventive measures [2][3]. Group 3: Regulatory Implications - The involvement of civil servants in the Hengyang case underscores the critical role of regulatory agencies in monitoring and addressing illegal activities in the pension sector, as their actions can significantly influence the sustainability of such scams [3]. - The article calls for increased awareness among the elderly and proactive measures from regulatory authorities to combat the rising trend of illegal fundraising in the pension industry [3].