Core Viewpoint - Recent reports indicate that fraudulent activities are being conducted under the guise of "Greenland Hong Kong" offering a so-called "China Dream Special Social Security Fund," which has raised concerns about scams targeting the elderly [2][3][14]. Group 1: Fraudulent Activities - Fraudsters are using fake apps and social media to promote non-existent financial products, claiming high returns and requiring users to recruit others to withdraw funds [3][12][17]. - The fraudulent promotions often target individuals over 40 years old, misleading them into believing they can receive monthly payments ranging from 450 to 1075 yuan [2][12]. Group 2: Company Response - Greenland Hong Kong has issued a statement warning the public about these scams and has reported the matter to law enforcement [3][7][14]. - The company clarified that it has not developed or authorized any official apps related to social security funds and that all claims of such products are fraudulent [14][17]. Group 3: Legal Implications - Legal experts suggest that the actions of the fraudsters may constitute fraud and illegal fundraising, potentially leading to criminal charges [13][18]. - The use of Greenland Hong Kong's name and logo in these scams could infringe on the company's trademark rights, and those promoting the scams may also face civil liability [18].

Core Viewpoint - The health service platform Baibaojun, incubated by ZhongAn Technology, has suddenly faced a payment crisis, with numerous users reporting that the promised returns in JD gift cards for purchased rights products from July to September could not be fulfilled [1][6] Company Overview - Baibaojun was established in October 2020 by ZhongAn Technology, initially positioned as a health service vertical search engine [1][6] - The company’s legal representative and actual controller is Li Xuefeng, who previously served as the CTO of ZhongAn Technology [1][6] Business Model - Baibaojun's business model involved purchasing low-cost rights, offering excessive returns in JD gift cards, and providing high reward points, which attracted a large number of investors [1][5] - Users could purchase rights products at prices such as 89 yuan, with a return of 100 yuan in JD gift cards, alongside a points system that incentivized referrals [5][6] Financial Implications - The total amount involved in the Baibaojun crisis may exceed 100 million yuan, although the exact scale has not been officially confirmed [1][6] - A user reported a return of approximately 16% on an investment of 18,000 yuan within two months, indicating an annualized return rate close to 100%, which is unsustainable in a normal business environment [5][6] Regulatory Concerns - The incident highlights significant risks associated with high-reward models in the internet finance sector, resembling characteristics of a Ponzi scheme [1][5] - The lack of timely intervention by ZhongAn Technology raises questions about shareholder responsibility and potential legal implications [6][8] Market Context - The Baibaojun incident is part of a broader trend of risk events in the internet finance sector, where innovative financial products often mask illegal fundraising activities [9] - The case underscores the need for regulatory frameworks to address the gaps that allow such high-risk activities to flourish under the guise of financial innovation [9]

此外，百保君上还有"宠物治疗津贴权益"等系列。其中，价格最高的一款为1840元，购买后享受宠物治 疗津贴权益和价值2000元的京东卡，京东卡发放时间为购买日后45~47天。有律师分析称："从法律角度 看，这已脱离正常保险增值服务范畴，涉嫌非法集资或集资诈骗。" 今年9月开始，关于"百保君兑付危机"的话题在社交媒体上持续发酵。不少用户在社交网站上称："之前 购买的权益，全都不返还京东卡了。"截至11月17日记者发稿，在黑猫投诉 【下载黑猫投诉客户端】平 台，共有41条关于百保君的投诉，集中在"买百保君权益，到期未返京东E卡""百保君微信小程序拖延京 东E卡发放"等。 近期，健康服务平台"百保君"曝出兑付危机，大量用户反映其承诺的京东E卡与积分无法兑现，平台上 海办公地址人去楼空。业内认为，百保君的商业模式本质为"购买保障权益+高额返还京东卡+积分可提 现"，其年化回报率远超合理范围。 11月17日，记者拨通其官网电话，已无人接听。记者登录百保君平台，发现仍可购买其产品，其产品有 一套白纸黑字的"无风险套利"规则。比如以标价89元的"灵活就业出行意外保障权益"为例，该产品包含 误工补贴权益和京东卡补贴权益。平台称 ...

此外，百保君上还有"宠物治疗津贴权益"等系列。其中，价格最高的一款为1840元，购买后享受宠物治 疗津贴权益和价值2000元的京东卡，京东卡发放时间为购买日后45~47天。有律师分析称："从法律角度 看，这已脱离正常保险增值服务范畴，涉嫌非法集资或集资诈骗。" 今年9月开始，关于"百保君兑付危机"的话题在社交媒体上持续发酵。不少用户在社交网站上称："之前 购买的权益，全都不返还京东卡了。"截至11月17日记者发稿，在黑猫投诉平台，共有41条关于百保君 的投诉，集中在"买百保君权益，到期未返京东E卡""百保君微信小程序拖延京东E卡发放"等。 根据数据，百保君由百保（上海）科技有限公司运营，其唯一明确的机构背景为众安信息技术服务有限 公司（众安科技）——该企业为众安保险的全资子公司。众安科技曾持有百保科技24.68%股权。众安 保险回应称，旗下子公司众安科技已转让百保君运营方百保科技全部股权，"我司同属受害者，正持续 关注案件调查情况。" 11月17日，记者拨通其官网电话，已无人接听。记者登录百保君平台，发现仍可购买其产品，其产品有 一套白纸黑字的"无风险套利"规则。比如以标价89元的"灵活就业出行意外保障权益" ...

来源：中国经济网微信综合每日经济新闻微信、第一财经微信等 近期，关于"百保君爆雷"的话题在社交媒体上持续发酵。不少用户在社交网站上称："之前购买的权益，全都不返还京东卡 了。" 今年10月以来，某平台上集中发布了24条针对百保君的投诉，均指向到期不能返还购物卡的问题。 原办公地9月已人去屋空 有媒体记者加入了一个200多人的"百保交流群"。在这个交流群内，多位用户发问到底如何领卡。比如，其中一位用户就表 示："怎么办？只给发了8张卡，还有42张卡无法提取。" 这样的交流，不只在这一个群里出现。在另一个近百人的"百保交流群"中，有人回应说，平台9月底更换了供应商，更换完供应 商就会恢复正常领取节奏。但更多人的猜测是——"平台跑路了"。 百保君用户李先生说，他于9月8日购买了"健康权益-护心保障190版"，购买了10份，产品到期日为10月11日，但直到 现在也没有拿到购物卡。 百保君用户陈小姐说，她9月5日同样购买了"健康权益-护心保障190版"，购买了10份，产 品到期日为10月8日。 11月14日下午，有媒体记者来到百保科技官网发布的的办公地点。写字楼前台接待处工作人员表示，百保科技在9月份房租到期 后就搬走 ...

来源：中国经济网微信综合每日经济新闻微信、第一财经微信等 近期，关于"百保君爆雷"的话题在社交媒体上持续发酵。不少用户在社交网站上称："之前购 买的权益，全都不返还京东卡了。" 今年10月以来，某平台上集中发布了24条针对百保君的投诉，均指向到期不能返还 购物 卡 的问题。 据悉，百保君是百保（上海）科技有限公司（以下简称百保科技）旗下平台，是一款健康服务搜索引 擎，主要通过微信小程序获客，于2020年10月由众安科技孵化成立。 百保君用户李先生说，他于9月8日购买了"健康权益-护心保障190版"，购买了10份，产品到 期日为10月11日，但直到现在也没有拿到购物卡。 百保君 用户陈小姐说，她9月5日同样购买了"健康权益-护心保障190版"，购买了10份，产品 到期日为10月8日。 11月14日下午， 有媒体记者 来到 百保科技 官网发布的的办公地点。写字楼前台接待处工作 人员表示， 百保科技 在9月份房租到期后就搬走了 。 此外，记者还拨打了 百保科技 官网给出的联系电话，但被告知其已欠费停机。 而该公司 2024年年报中披露的手机号码，记者无法打通，显示是空号。 "权益产品＋高额返还"套路用户？ 那么，近 ...

Core Viewpoint - The "Bai Bao Jun redemption crisis" has gained significant attention on social media, with users expressing concerns about the inability to redeem previously purchased benefits for JD.com gift cards [1] Company Overview - Bai Bao Jun is a platform under Bai Bao (Shanghai) Technology Co., Ltd., functioning as a health service search engine that primarily sells rights products and offers JD.com gift cards as returns [3][4] Recent Developments - The company has faced operational issues, with reports indicating that its office was vacated by September, leading to speculation about potential fraud or the company running away [5][6][7] - Users have reported difficulties in redeeming their gift cards, with some claiming they have not received the full amount promised [5][10] Business Model - Bai Bao Jun's business model involves selling rights products with high return promises, such as offering JD.com gift cards in exchange for purchasing insurance products [8][9] - For example, a user could pay 2,690 yuan for a six-period insurance plan, receiving 500 yuan in JD.com gift cards for each period, effectively making the insurance free while providing additional value [8] User Engagement and Incentives - The platform also promotes user engagement through a points system, where users can earn points by purchasing products or referring friends, which can be redeemed for other benefits [11] - Many users have accumulated significant amounts of JD.com gift cards, raising concerns about the sustainability of the business model [10] Legal and Regulatory Concerns - Legal experts have raised alarms about the platform's operations, suggesting that the model resembles illegal fundraising or Ponzi schemes due to its reliance on user deposits and promises of high returns [12] - The involvement of Zhong An Insurance, which previously held a stake in Bai Bao Jun, has come under scrutiny, with claims that the company has distanced itself from the platform following the crisis [13][14]

Core Viewpoint - The "Baibaokun redemption crisis" has gained significant attention on social media, with users expressing concerns about the inability to redeem their purchased benefits for JD.com gift cards [1][4]. Company Overview - Baibaokun is a health service search engine under Baibao (Shanghai) Technology Co., Ltd., primarily focused on advertising and customer acquisition [1]. - The company has been operational for five years but has recently encountered serious issues [2]. Operational Issues - The original office location was vacated by September, indicating potential operational shutdown [3][5]. - Users in various online groups are reporting difficulties in redeeming their gift cards, with some claiming they have not received the full amount promised [4]. Business Model - Baibaokun's business model involves selling benefit products with high return rates in the form of JD.com gift cards, which has attracted users seeking financial incentives [7][8]. - For example, a product priced at 2,690 yuan offers a return of 500 yuan in gift cards for each of the six installments, effectively providing a free insurance policy along with additional value [7]. User Engagement and Incentives - The platform also offers a points system where users can earn points through purchases and referrals, further incentivizing engagement [10][11]. - Many users have accumulated significant numbers of gift cards, leading to concerns about the platform's ability to fulfill these promises [8]. Legal and Regulatory Concerns - Legal experts suggest that Baibaokun's operations may constitute illegal fundraising or investment fraud due to the characteristics of its business model, which resembles a Ponzi scheme [12]. - The platform's promise of high returns and the structure of its financial operations raise red flags regarding compliance with financial regulations [12]. Corporate Response - Zhong An Insurance, which initially backed Baibaokun, has reportedly transferred all shares of the operating company and claims to be a victim in this situation [14][15]. - The legal implications of this transfer and the responsibilities of Zhong An Insurance in relation to Baibaokun's operations are still under scrutiny [15].

Core Viewpoint - Baibaokun, a health service (insurance) vertical search engine, is facing a public relations crisis due to its failure to deliver promised rewards, leading to speculation about the company's potential exit from the market [1][3][4] Business Model - Baibaokun operates on a model that combines "rights products + JD.com card rewards + points redemption," which has contributed to its current predicament [2][5] - The platform's promotional strategy involved selling insurance-like products with high promised returns in the form of JD.com gift cards, creating a perception of free insurance [5][6] User Complaints - Users have reported that they are no longer receiving the promised JD.com cards after purchasing rights products, leading to widespread dissatisfaction and speculation about the company's stability [3][4][6] - A significant number of users in various online groups are expressing concerns about their inability to redeem the promised rewards, with some suggesting that the platform may have ceased operations [3][6] Company Operations - Investigations revealed that Baibaokun's office had vacated its premises in September, and attempts to contact the company were unsuccessful due to a disconnected phone line [4][6] - The company has not provided updates on its operations since mid-2023, raising further concerns about its viability [10] Legal Implications - Legal experts have indicated that Baibaokun's business model may constitute illegal fundraising or investment fraud due to its characteristics of a Ponzi scheme and the promise of high returns without a legitimate revenue source [8][11] - The platform's practices have raised alarms regarding compliance with financial regulations, particularly concerning the provision of benefits outside of standard insurance contracts [12][13]

百保君，是一款健康服务（保险）垂直搜索引擎。其官网介绍，百保君帮助消费者找到保障顾问，同时帮助团队获客。其近期业务模式为销售权益产品并 返还京东卡。 最近，在成立5年的时间节点上，该公司却出事了。 "要么退款，要么发货。"最近，网友小李（化名）在投诉平台上反映，自己通过百保君购买"住家护理保障权益某某版"，平台承诺送"京东卡"。但小李 称："到期了没有送京东卡，我500多张京东卡到现在没有（收）到⋯⋯" 今年9月前后，越来越多的人开始在各类平台吐槽称，百保君平台不再返京东卡。 在社交平台上，通过百保君平台薅"京东卡"羊毛的帖子仍在。不过，如今"羊毛"终化为泡影，"现在还能领取到吗？""你们这几天有领到卡的吗？"随着这 样的提问不断增多，百保君用户们猜测，平台是否已经跑路了？ 11月14日，《每日经济新闻》记者依据百保君平台官网信息，前往其运营公司百保（上海）科技有限公司（简称百保公司）办公所在地——上海市虹桥绿 谷广场B座。 写字楼前台接待处的工作人员称，百保公司在9月房租到期后就搬走了。 《每日经济新闻》记者在调查中发现，该平台"权益产品＋返京东卡＋积分兑换"模式早已为如今的境况埋下伏笔。 原办公地9月时已 ...