作 者丨郭聪聪 编 辑丨杨希 江佩佩 当在社交平台、二手交易平台上看到" 8 5元充值1 0 0元话费"或" 7折代缴电费"的广告时，你是 否曾为之心动？ 这些看似实惠的"折扣"服务，实则背后暗藏着一条运作成熟的洗钱产业链， 不知情的公众往往被动成为犯罪链条中的一环。 2 1世纪经济报道记者观察，近期，随着夏季用电高峰的到来， 借助"低价充值电费"的洗钱行 为再次抬头，大额电费代充领域的折扣力度甚至低至6折——支付3 0 0 0元可充值到账5 0 0 0元电 费，如此悬殊的价差背后，是不法分子利用公众贪小便宜心理设下的诱惑陷阱。记者也就此展 开了调查。 律师也进一步提醒公众，盲目贪图小便宜低价代充，轻则面临资金损失，重则可能面临账户冻 结、法律调查等风险。 记者实探：电费充值低至6折 相较于传统话费充值单笔数百元的金额，电费代充的单笔充值金额往往更大。尤其在夏季用电 高峰期，商户用电需求显著增加，一次性缴纳上万元的大额电费订单屡见不鲜。就有网友分享 称， 自家小型店面每月电费支出可达3 0 0 0元，且每次都会一次性缴纳一季度的电费 。这一情 况很快被不法分子察觉并盯上，记者发现近期在社交平台上分享自己因低价 ...

Core Points - The case involves a fraudulent scheme orchestrated by He Tinghan, manager of Sunshine Property Insurance's Xuchang branch, who misled clients into believing that loans would be repaid by the company while using the funds for personal debts and expenses [1][8] - The total amount of loans involved in the scheme reached 76.23 million yuan, with a remaining unpaid balance of 15.43 million yuan, resulting in losses of 32.36 million yuan for the involved financial institutions [8][13] - He was sentenced to 15 years in prison for loan fraud, money laundering, and forgery, along with a fine of 220,000 yuan and ordered to compensate the victims [13] Summary by Sections Fraudulent Loan Practices - He Tinghan promised clients high rebates of up to 20% for loans, claiming the company would cover repayments, which led to a total of 359 loans processed through 297 individuals [1][8] - Clients were misled into transferring loan amounts to He’s personal accounts, believing the funds were for company use [3][6] Client Experiences - Clients like Ms. Cui were unaware of the high fees associated with the loans, which included substantial insurance and service fees, totaling 14 million yuan in addition to the principal and interest [2][3] - Many clients received forged repayment agreements and assurances from He, which contributed to their trust in the scheme [3][5] Operational Misconduct - The scheme involved falsifying documents, including fake vehicle registration certificates and repayment agreements, to maintain the illusion of legitimacy [11][12] - Employees of Sunshine Property Insurance were also misled, with some unknowingly assisting in the fraudulent activities [3][11] Financial Mismanagement - He attempted to cover the financial shortfall by purchasing lottery tickets, spending 3.28 million yuan with hopes of winning to offset the losses [9][13] - The scheme's unsustainable nature became evident as He continued to recruit new clients to pay off old debts, leading to a significant funding gap [7][8] Legal Consequences - The court upheld the conviction, emphasizing the severity of the fraudulent activities and the extensive financial damage caused to clients and financial institutions [13][14]

Core Insights - The rise in virtual currency assets in the past year has attracted many domestic investors, leading to illegal fundraising activities and money laundering schemes that harm citizens' property rights [1][2]. Case Observation - A case in Xi'an, Shaanxi Province, involved illegal fundraising and money laundering through virtual currency from July 2018 to September 2021, where the accused misled investors with promises of high returns [3]. - The accused provided financial accounts to facilitate the transfer of criminal proceeds and assisted in purchasing assets, which were later sold to launder the money [3]. Case Analysis - Criminals exploited the recent popularity of virtual currencies to conduct illegal fundraising, taking advantage of investors' lack of knowledge in this area [4]. - The laundering process involved converting illicit funds into legitimate assets through complex transactions, making it difficult for victims to recover their losses [4]. Practical Tips - Money laundering involves disguising illegal income to make it appear legitimate, with criminals using various unexpected methods to target individuals' finances [5]. - To prevent falling victim to such schemes, individuals are advised to protect personal information, regularly update passwords, and inquire about investment qualifications and risks [6].