焦点访谈 | 社保“挂靠代缴”省钱省心？当心钱财权益一场空！

Core Viewpoint - The article highlights the rise of fraudulent companies claiming to assist individuals in making social security contributions, particularly targeting those nearing retirement who may have gaps in their payment history. These companies often exploit the urgency and anxiety of potential clients, leading to significant financial losses for victims [1][9]. Group 1: Fraudulent Practices - Many individuals, like Zhou Zhiyong, have been misled into paying substantial fees for social security contribution services that ultimately do not materialize, with Zhou paying 159,600 yuan for 9.5 years of contributions [3][5]. - Victims have reported that after signing numerous documents, the promised social security contributions were never completed, and companies often encouraged them to extend their contracts instead of issuing refunds [5][7]. - The Guangzhou police have initiated investigations into multiple companies involved in these scams, with over 70 individuals arrested for fraud [7][9]. Group 2: Legal Context - According to local regulations, individuals who reach retirement age but do not meet the minimum contribution period can continue to pay until they meet the requirement, but the so-called "back payment" services offered by these companies are often illegal [9][11]. - The core of legitimate social security contribution is based on having a real employment relationship, which most victims do not possess, making the services offered by these fraudulent companies invalid [12][13]. Group 3: Reasons for Victimization - The urgency felt by many older adults approaching retirement, coupled with a lack of understanding of social security policies, makes them susceptible to these scams [12][13]. - Fraudulent companies often present themselves as legitimate entities, complete with business licenses and office spaces, which further confuses potential victims [12][15]. - The blending of genuine services with fraudulent ones creates a challenging environment for individuals to discern legitimate offerings from scams [15][17]. Group 4: Ongoing Issues - Despite increased law enforcement efforts, fraudulent companies continue to operate, with new entities emerging that claim to provide social security contribution services [17][19]. - Victims of these scams have reported losses averaging over 100,000 yuan each, with the total amount involved in these cases exceeding one billion yuan [12][19].