金融诈骗

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农行邹城矿区支行: 慧眼识骗局,60克黄金失而复得暖人心
Sou Hu Cai Jing· 2025-09-16 10:33
按照常规流程,贵金属购买的物流信息查询并非异常操作,但该客户情绪紧张、反复催促索要物流电话的行为显得有些反常。工作人员并未草率处理,而是 凭借职业敏感与责任心,主动进一步询问客户购买黄金的具体原因及是否遇到其他问题。 经耐心沟通,客户最终透露,自己是经第三方引导购买黄金,并被告知需将黄金直接寄往指定地址。对方承诺会对黄金进行加工销售,并给予客户一定比例 的好处费。了解该情况后,工作人员立即意识到极有可能是诈骗陷阱,随即对近期贵金属交易展开紧急核查。 结果发现,全省范围内已发生多笔黄金订单均寄往广东省同一地址,且收货人及联系电话完全一致。这一高度重复的异常信息进一步证实了工作人员的判 断:客户正陷入一起有组织的诈骗骗局。诈骗分子以高额回报为诱饵,利用部分客户贪图小利的心理,诱导其购买并邮寄黄金从而实施诈骗。 工作人员第一时间向客户揭示了风险,并结合实际案例详细剖析诈骗手法。客户起初仍存犹豫,但在工作人员诚恳、清晰的分析下逐渐醒悟,后怕不已的同 时,也对农行及时、专业的干预表示衷心感谢:"真的太感谢你们了,要不是你们这么细心和负责,我这60克黄金肯定找不回来了!" 在当前金融诈骗手段不断翻新的背景下,金融机构坚决 ...
工银瑞信财守护:上培训班竟然退钱?警惕新型诈骗陷阱!
Xin Lang Ji Jin· 2025-09-15 02:31
MACD金叉信号形成,这些股涨势不错! 责任编辑:石秀珍 SF183 专题:2025金融教育宣传周:保障金融权益 助力美好生活 基金行业在行动 ...
瑞银前副总监吞1.3亿赃款,猎物竟是南京卖淫团伙头目
Xin Lang Cai Jing· 2025-09-03 09:04
Core Viewpoint - UBS AG's former vice president, Sun Jianrong, was convicted of money laundering and contempt of court for embezzling over HKD 130 million from mainland clients, resulting in a total sentence of 10 years and 6 months in prison [1][8]. Group 1: Case Background - Sun Jianrong was assigned as a personal client advisor to a couple who moved from Nanjing to Hong Kong and opened a joint account at UBS in 2014 [3]. - The couple's account balance reached as high as USD 8.949 million during their interactions with Sun [3]. - The scheme began when the couple requested a more convenient way to transfer money from mainland China to Hong Kong, leading Sun to propose a fraudulent transfer method [3][5]. Group 2: Fraudulent Activities - Over 18 months, Sun Jianrong facilitated the transfer of HKD 130 million through 37 transactions across 14 different dates, with some funds directly deposited into his personal account [6]. - To maintain the illusion of legitimacy, Sun provided fake transfer requests and forged bank statements mimicking UBS's official documents [6][7]. - The fraud was uncovered when a new advisor took over the couple's account and revealed discrepancies in the account balance [6]. Group 3: Asset Misappropriation - Sun Jianrong converted the embezzled funds into tangible assets, purchasing four properties in London and two in mainland China, totaling HKD 29 million [7]. - He also acquired six luxury cars, despite reporting only HKD 4.067 million in income from 2014 to 2018, which was insufficient to support his lavish lifestyle [7]. Group 4: Legal Proceedings - The court sentenced Sun to 10 years for money laundering and an additional 6 months for contempt of court due to asset transfer attempts during legal proceedings [8][9]. - The judge emphasized Sun's awareness of the legal implications of his actions, rejecting his defense arguments as contradictory to the facts [9]. - Currently, Sun's properties and luxury vehicles have been seized, and efforts to recover losses for the victims are ongoing [10].
民生银行汕头潮南支行成功拦截“低价黄金”诈骗,保障客户资金安全
Sou Hu Cai Jing· 2025-09-01 04:19
Group 1 - The core viewpoint of the article highlights the successful identification and prevention of a fraudulent investment app by the staff of Minsheng Bank's Shantou Chaonan branch, protecting the client's funds from further loss [1][2][3] Group 2 - On July 31, during a transaction to adjust a client's non-counter withdrawal limit, the bank staff noticed unusual account activity, including frequent large transactions and numerous unfamiliar trading partners [2] - The client was investing in an app called "Jinrong China," claiming high returns and state-owned background, with over 10,000 yuan already deposited [2] - Upon investigation, the bank staff found the app to be poorly designed, with discrepancies in the claimed gold product prices compared to the legitimate market, and the payment accounts were linked to unknown individuals [2] - The staff reported the suspicious app to the local anti-fraud center, which confirmed it as a typical fraudulent investment platform with many reports from victims, complicating recovery efforts [2] - The bank staff, in collaboration with the anti-fraud center, successfully advised the client to cease investments in the app, ensuring the preservation of the client's funds [2][3] Group 3 - This case underscores the hidden dangers and risks of new financial scams, emphasizing the critical role of frontline bank employees as gatekeepers against financial risks [3] - With the rapid development of financial technology, illegal financial activities are evolving, often disguised as professional, state-backed, high-return investments [3] - It is essential for bank staff to continuously enhance their ability to recognize new scam patterns to prevent actual financial losses and fulfill their responsibilities in maintaining social stability and protecting public assets [3]
“AI但斌”出没!投资者需“擦亮眼睛”
Shang Hai Zheng Quan Bao· 2025-08-19 01:16
Core Viewpoint - The financial industry is facing a surge in fraudulent activities, particularly involving impersonation and illegal stock recommendation schemes using AI-generated content [1][2][4]. Group 1: Fraudulent Activities - Numerous new accounts have been registered on internet platforms that utilize AI technology to create images or videos of Dan Bin, engaging in illegal stock recommendation activities [2][3]. - Fraudsters have been using Dan Bin's personal information to impersonate him and promote various investment schemes, leading to significant financial losses for victims [3][4]. Group 2: Regulatory Warnings - Multiple regional securities regulatory bodies have issued warnings about the rise of financial fraudsters impersonating legitimate financial institutions and professionals [4][6]. - Specific cases include fraudsters posing as private equity staff to lure investors into stock trading groups, promising unrealistic returns and using fake apps to facilitate scams [4]. Group 3: Investor Awareness - Investors are urged to remain vigilant and verify the authenticity of investment opportunities through official channels, as fraudulent entities often exploit social media and messaging platforms [5][6]. - It is recommended that investors collect evidence of fraudulent activities and report them to relevant authorities promptly [6].
平安人寿山东分公司提醒您:警惕“短视频点赞”新型诈骗
Qi Lu Wan Bao· 2025-08-15 04:17
Core Viewpoint - The rise of short video platforms has led to an increase in financial crimes, particularly scams involving "like-for-money" schemes, posing a serious threat to public financial security [1] Group 1: Case Warnings - A case involving a woman who lost nearly 4000 yuan after investing in a "like-for-money" app highlights the risks associated with such platforms, which often require upfront membership fees [2] - Another individual lost over 1000 yuan after being promised daily returns of 134 yuan, only for the platform to disappear shortly after [2] Group 2: Scam Techniques - Scams typically follow a three-step process: 1. High returns lure victims with promises of easy earnings through simple tasks like liking posts [3] 2. Initial small payouts create a false sense of security, encouraging further investment [3] 3. The platform then provides excuses for withholding funds, such as system failures, to extract more money from victims [3] Group 3: Financial Safety Recommendations - The company advises the public to: 1. Be cautious of "too good to be true" offers and maintain skepticism towards high-return projects [4] 2. Verify the legitimacy of platforms through official channels before investing [4] 3. Avoid schemes that promote recruitment for rewards, as they may involve illegal fundraising or scams [4] 4. Act quickly to preserve evidence and report suspicious activities to authorities [4] Group 4: Public Awareness - Authorities have warned since 2018 that investment projects promising easy money through advertisements or rebates may be linked to financial crimes, urging the public to enhance risk awareness and refrain from engaging in unregulated financial activities [5]
建行济宁西城支行:专业服务速解客户难题 贴心举措赢得认可
Qi Lu Wan Bao· 2025-08-13 02:53
Core Points - The incident involved a customer, Cheng, who reported unauthorized deductions from his account totaling 231.6 yuan due to a misleading link related to "YeePay Insurance" [1] - The bank staff acted promptly, resolving the issue within 18 hours and ensuring the customer received a full refund [2] - The bank emphasized its commitment to customer rights and plans to enhance emergency service mechanisms and staff training to combat new forms of online fraud [2] Summary by Sections Customer Incident - Cheng experienced unauthorized deductions from his account after clicking a suspicious link [1] - The deductions were made by an insurance institution associated with YeePay, which Cheng claimed he did not authorize [1] Bank Response - Bank staff provided immediate assistance, calming the customer and retrieving transaction records [1] - They contacted the insurance institution's customer service on behalf of Cheng, emphasizing the unauthorized nature of the deductions [1] Outcome and Future Plans - The bank successfully facilitated a refund of 231.6 yuan to Cheng's account within 24 hours [2] - The bank plans to improve its emergency response services and enhance employee training on handling online fraud [2]
包装高收入群体骗取银行消费贷!数十人被判刑
券商中国· 2025-08-10 10:21
Core Viewpoint - The article discusses a significant case of loan fraud involving a criminal gang that fabricated high-income profiles to obtain bank credit loans, resulting in over 6 million yuan in fraudulent loans and multiple convictions for loan fraud and related crimes [1][2]. Group 1: Case Details - In November 2020, a fraud gang "packaged" individuals without loan qualifications as high-income earners to secure personal credit loans from banks [2]. - The gang utilized POS machines to create fictitious transactions, allowing them to cash out the loans, with key individuals profiting from the scheme [2]. - A total of 52 individuals involved in the loan fraud chain were sentenced to prison terms ranging from 11 years to 7 months for their roles in the fraud [2]. Group 2: Financial Tracking and Analysis - The prosecution employed big data techniques to trace the flow of funds, expanding the investigation from one suspect to 37 individuals and increasing the tracked fraudulent amount from 183,000 yuan to over 6 million yuan [3]. - The investigation utilized bank loan data and POS transaction records to build a financial flow analysis model, identifying various roles in the fraud scheme [3]. Group 3: Legal Implications and Charges - The case raised legal debates regarding the classification of crimes, with the prosecution determining that the actions of certain individuals primarily involved downstream cashing out rather than direct involvement in the initial fraud [4]. - The prosecution proposed charges of illegal business operations and money laundering against key suspects, with recommendations for lighter sentences for lesser offenders [5]. - The prosecution also issued recommendations to financial institutions to improve credit loan approval processes and risk assessment mechanisms to prevent similar frauds in the future [5]. Group 4: Systematic Approach to Fraud Prevention - The article emphasizes the connection between illegal cashing out via POS machines and broader financial fraud, advocating for a comprehensive approach to tackle financial crimes through data integration and multi-dimensional analysis [5]. - The prosecution aims to shift from individual case handling to systemic governance, enhancing the effectiveness of combating financial fraud across the entire chain of criminal activities [5].
金融素养越高,被骗风险越大?中国老人养老钱困局
Hu Xiu· 2025-07-29 01:58
Group 1: Importance of Financial Behavior of the Elderly - The aging population in China is increasing, with 21.1% of the population aged 60 and above by 2024, and life expectancy nearing 80 years. However, the pension replacement rate is below 50%, necessitating reliance on personal savings and asset appreciation to cover 20-30 years of retirement [1][2] - The current asset structure dominated by precautionary savings and over 70% in real estate is inadequate to cope with medical inflation (approximately 8% annual growth) and long-term care costs, leading to a risk of "longevity poverty" [1][2] - The shift in traditional support systems for the elderly, influenced by urbanization and declining birth rates, is creating a more complex network of social capital for elder care [2] Group 2: Financial and Psychological Health - Financial and financial health are closely linked to the psychological well-being of the elderly in China. The life cycle theory suggests that rational decision-making regarding savings and consumption is influenced by expected lifetime income [3][6] - Studies indicate that a higher expenditure-to-income ratio increases the risk of depression among the elderly, while a higher ratio of financial assets provides protective benefits [3][4] - Economic conditions significantly affect the self-worth of older adults, with better financial status correlating with lower feelings of uselessness [3][4] Group 3: Financial Resilience and Emergency Funds - The financial resilience of the elderly needs improvement, as the probability of facing major health issues or loss of independence increases with age. Approximately 32.8% of seniors in China struggle to raise emergency funds within 30 days [6] - This figure, while better than many developing countries, still lags behind developed nations like Norway and Sweden [6] Group 4: Financial Status and Asset Allocation - The financial status of the elderly in China is characterized by a focus on precautionary savings and reliance on pensions and intergenerational transfers. However, participation in financial markets is notably low, with ownership of various financial products below 1% among those aged 60-90 [7][8] - Urban elderly have significantly higher participation rates in risk assets compared to their rural counterparts, highlighting a stark urban-rural divide [7][8] - The asset allocation is heavily concentrated in bank deposits and real estate, which, while providing psychological comfort, poses risks such as low inflation resistance and poor liquidity [9][10] Group 5: Financial Literacy and Fraud Vulnerability - Financial literacy among the elderly in China is significantly lower than in developed countries, with an average score of 0.97 out of 3 for those aged 50-70, compared to 2.16 in the U.S. [12][13] - High financial literacy may paradoxically increase the risk of fraud victimization, as those with basic financial knowledge may become targets without adequate fraud prevention education [14][15] - The phenomenon of overconfidence in financial literacy can lead to susceptibility to scams, emphasizing the need for targeted anti-fraud education alongside financial literacy training [15][16]