承诺“拉新”给佣金 投7万“补贴”60万 山寨大湾区App专盯老人“杀熟”

Core Viewpoint - The article highlights a fraudulent investment scheme disguised as a legitimate opportunity, where scammers use fake government documents to lure individuals into investing in non-official apps claiming high returns and subsidies [2][10]. Group 1: Investment Scheme Details - The fraudulent apps "粤港澳大湾区App" and "共建大湾区App" promise weekly returns exceeding 10% and claim to offer policy subsidies, attracting numerous victims [2][3]. - Victims report that initial investments yielded small returns, leading them to invest larger amounts under the impression of legitimacy, with promises of high returns and commissions for recruiting new investors [4][5]. - The scheme has been characterized as a Ponzi scheme, where returns to earlier investors are paid from the capital of newer investors, leading to significant financial losses once the scheme collapses [13]. Group 2: Victim Experiences - Many victims are middle-aged and elderly individuals, often recruited through personal connections, which adds a layer of trust to the fraudulent scheme [8][9]. - Victims like Zhang invested significant amounts, believing in the promised returns and subsidies, only to face delays and eventual inability to withdraw their funds [5][7]. - The platform's rapid introduction of new investment products and the pressure to recruit new investors contributed to the victims' continued investment despite growing suspicions [6][12]. Group 3: Official Warnings and Legal Implications - Official warnings have been issued by the Guangdong-Hong Kong-Macao Greater Bay Area Development Office and the Ministry of Finance, clarifying that these apps are not authorized and are fraudulent [10][12]. - Legal experts indicate that the operators of these fraudulent schemes could face severe criminal charges, including fraud and organized crime, under Chinese law [13][14]. - The article emphasizes the importance of verifying investment opportunities through official channels to avoid falling victim to such scams [14].