近日，一名行色匆匆的中年女子来到江苏南京某金店，不挑款式、不问金价，开口即要买走45万元的金条现 货。"她想干嘛？"这引起了在场三名金店店员的怀疑，于是店员们互递眼神后悄悄报了警。 这一幕就发生在今年2月南京警方破获的一起电诈洗钱案中。在这起案件中，犯罪分子实施两头骗，一头冒充公检 法骗取身在国外的留学生45万元，转入另一名受骗女子银行账户；另一头又以申请精准扶贫款项为由诱骗上述受 骗女子使用这笔45万元涉诈资金购买黄金进行包装，从而实现线上骗钱、线下洗钱转移赃款的目的。 南都记者了解到，由于黄金容易被转移、性状易被改变、不易被追踪，金价狂飙下变现也更为快捷，近年来，以 黄金为"白手套"的电诈案件也开始变多。 黄金店员紧急报警后，警企联动拦下45万诈骗资金 2月25日16时许，一名五十多岁、穿着朴素的女士走进南京一家金店，而在光顾这家金店5分钟前，她曾电话询问 确定这家金店有她想要的价值45万元金条现货。 "我要45万元的金条，打包带走。"步入金店后，买金女子操着东北口音说道。她不挑款式，不问单价，开口即要 买走45万元的金条。 "作为工作人员，我感觉她和普通消费者买金很不一样，这和近期当地公安给我们培训的诈 ...

由于此类案件频发，日本警视厅呼吁居住在日本的中国公民提高警惕，并制作防电诈海报贴在入国管理 局和区役所等行政机构中。日本很多大学也通过官网要求留学生提高警惕。日本私立大学联盟官网曾整 理常见的电诈手段，例如"你名下的银行账户或手机被用于犯罪""国内有一个寄给你的包裹涉嫌犯 罪""发布了你的逮捕令""因为你的缘故出现受害者，需要支付保证金"等，并索要高额财物。 中国驻日本大使馆5月底也发布电诈案例提醒称，诈骗分子常冒充"使馆""公安""检察院"及日本"入管 局"等政府机构的工作人员行骗，但是中国驻外使领馆不会通过电话通知当事人涉案，也不会要求转账 或下载通讯软件；任何要求"保密""转账才能证明清白"的说法，都是诈骗；接到可疑电话时，应立即挂 断，保持冷静，向正规渠道核实。 【环球时报驻日本特约记者 潘小多】日本高知市近日发生一起针对中国公民的电信诈骗案，一名20多 岁中国籍男留学生损失惨重，被骗金额高达约194万日元（约合9.6万元人民币）。 据日本共同社等媒体6月9日报道，高知县警方发布消息称，今年3月底，受害者接到自称"中国驻日使馆 工作人员"的来电，称"有中国公民在出入境审查时使用你的信用卡涉及犯罪"。此 ...

"奶奶，救救我" 听到这样一句话 老年人可能直接就慌了神 只想着赶快帮"孙子" 却不知已落入了 犯罪分子的陷阱 ↓↓↓ 伪装成被害者"孙子" 针对老年人的新型诈骗 事发当天中午12时左右，山东德州陵城区的王女士在家人的陪伴下来到派出所报警，称一个小时前有人冒充她孙子诈骗，来家里骗走了2万元现金。 山东德州市公安局陵城分局义渡口派出所民警 郑昌庆：对方哭着跟老人说，自己在饭店吃饭的时候，和人打架被抓起来了，对方提出可以花2万块钱私了， 不然的话就得坐牢，老人一听就比较着急，赶紧按照对方的要求准备好钱去救人。 王女士在把钱准备好以后，一个自称"刘警官"的男子来找她拿走了现金。然而等到了中午，当王女士把事情告诉家人的时候，才发现自己被骗了。 山东德州市公安局陵城分局义渡口派出所民警 郑昌庆：嫌疑人一般是提前给老人打好几个电话，电话中一上来就称呼爷爷奶奶，问老人是否独自在家，当 老人怀疑对方的声音时，嫌疑人会以感冒等理由进行解释，让老人熟悉这个声音。之后嫌疑人带着哭腔，说自己在外地犯了事，需要拿钱了事，而且不让告 诉其他家里人，因为老人比较疼爱孩子，急切地想救孩子，结果就上当受骗了。 报案后王女士告诉民警，当时取钱的 ...

Core Viewpoint - The rapid development of internet finance and the integration of third-party payment companies with online investment platforms have created convenient investment channels for consumers, but also highlighted security issues related to fund safety, particularly in cases of telecom fraud [1] Group 1: Case Background - In September 2017, an individual named Yang invested 3.12 million yuan through a third-party payment company, believing he was engaging with a legitimate investment platform, but the funds were redirected to problematic merchants due to unauthorized link redirection [2] - Yang managed to recover 1.28 million yuan but lost 1.84 million yuan, later receiving 70% of the remaining amount through a settlement agreement with the payment company [2] Group 2: Legal Findings - The Beijing Financial Court identified two main violations by the third-party payment company: allowing transfers between non-matching accounts and failing to monitor merchants' business activities effectively [3][4][7] - The court concluded that the payment company exhibited "surface compliance but substantial negligence," leading to a ruling that it should only bear 70% of the compensation responsibility [8] Group 3: Consumer Responsibility - The court emphasized that Yang, as a financial consumer, did not exercise due diligence in verifying the legitimacy of the investment platform and the recipient of the funds, which contributed to his losses [8][9] - The judge advised consumers to keep transaction records and evidence, report any anomalies immediately, and carefully read settlement agreements to avoid losing rights while seeking compensation [10]

Core Viewpoint - The incident involving a woman losing 60,000 yuan due to a new type of telecom fraud highlights the hidden and technical nature of modern scams, emphasizing the need for awareness and preventive measures [2][19]. Group 1: How the Money Disappeared - The victim's loss may have originated from a Trojan program that remotely controlled her device, potentially installed through disguised messages or links [3]. - Criminals used the Trojan to obtain sensitive information such as bank card numbers and identification, allowing them to initiate transfers without the victim's active participation [4]. - Exploitation of "no-password payment" features on certain platforms enabled fraudsters to bypass secondary verification, facilitating unauthorized transactions [5]. Group 2: Warning Signs of Trojans - Users should be vigilant for signs such as sudden device lag or overheating, which may indicate a Trojan running in the background [6]. - Automatic redirection to unfamiliar websites or app download pages can signal malicious activity [7]. - An increase in unsolicited SMS verification codes, especially from banking or payment services, is a red flag [8]. Group 3: Emergency Response and Daily Prevention - Immediate actions include disconnecting from the internet to prevent the Trojan from communicating with external servers [9]. - Users should freeze their accounts by contacting their bank or using official apps [10]. - Reporting the incident and preserving evidence, such as messages and call logs, is crucial for police investigations [11]. Group 4: Daily Protective Measures - Avoid clicking on unknown links, even if they appear to come from acquaintances [12]. - Disable small-amount no-password payment options in payment settings [13]. - Regularly scan devices for viruses using reputable security software, particularly for Android users [14]. - Properly wipe data from old devices to prevent information leakage [15]. Group 5: Principles for Identifying Fraudulent Calls - Verify any calls claiming to be from banks or e-commerce platforms by hanging up and calling back using official numbers [16]. - Never disclose sensitive information such as verification codes or passwords, regardless of the caller's persuasion [17]. - Reject calls from suspicious numbers, especially those with international or virtual prefixes [18].

当前，非法荐股活动与电信诈骗活动深度交织，花样不断翻新，隐蔽性、欺骗性显著增强。 案例警示：当前，短视频平台已成为非法荐股引流的重灾区。不法分子设置各种诱饵吸引关注，然后将 投资者引流至微信、QQ或小众聊天软件进行洗脑诈骗。投资者应牢记，任何在网上声称带你投资炒股 赚钱并要求转出本金的都是诈骗。 案例二：利用财经大V身份实施非法荐股 基本案情：投资者陈某长期炒股，一天在微博平台刷到某千万粉丝财经大V，该大V自称西南第一操盘 手、股市资深操盘家、证券顶级分析师，并在线建立多个实盘交流群供粉丝加入。入群后，该大V时常 发布大盘分析和个股操作记录，群内多名"徒弟"对大V进行吹捧，其他粉丝也纷纷附和。一段时间后， 陈某添加了该大V微信，表示想"拜师学艺"，并缴纳了18.8万元的"拜师费"。成为学徒后，该大V便劝说 陈某将其证券账户交由其团队操作，承诺盈利后五五分成，亏损由大V承担。陈某认为资金在自己证券 账户中且亏损由对方兜底，觉得无风险便表示同意，随即告知对方账户密码，并开通信用账户进行杠杆 交易。然而账户交出不到半年，陈某便发现其账户持续亏损已高达410余万元，遂与大V进行交涉，要 求赔偿损失。大V声称亏损是暂时 ...

Group 1 - The article highlights the increasing sophistication of fraudsters in transferring illicit funds, particularly targeting elderly individuals under the guise of "rural revitalization" and "national poverty alleviation" projects [1] - A case involving a mistaken transfer of 490,000 yuan (approximately 49 million) to a bank account led to the discovery of potential telecom fraud, prompting the bank to involve law enforcement [1][2] - The bank's timely intervention allowed local authorities to track and manage the fraudulent account, ultimately protecting the victim and the account holder [2] Group 2 - The successful handling of the incident showcased the bank's keen insight and efficient execution in combating fraud, earning commendations from both the account holder and local law enforcement [2] - The bank plans to maintain a high-pressure stance against telecom fraud and enhance its fraud detection capabilities to ensure customer fund safety and contribute to financial order stability [2]

"实施诈骗环节主要有三种情况。一是诱骗事主访问虚假网站，下载远程控制软件，获取手机权限，通 过直接控制的方式，操作事主的手机进行转账；二是通过远程会议软件，间接引导事主操作网银、互联 网金融、贷款等软件进行转账；三是引导事主下载安装远程NFC软件，诱骗事主将银行卡贴在手机上， 进行远程刷卡。"北京市公安局刑侦总队党委委员、政治处主任李小燕说。 北京市公安局刑侦总队5月28日通报，今年以来，北京警方共破获电诈案件2600余起，同比上升 29.2%，刑拘电诈及关联犯罪人员3200余人，同比上升24.4%；返还群众被骗资金3.6亿元。据了解，今 年以来，诈骗手段发生变化。 警方提醒，切勿扫描不明快递包裹内的二维码，不要点击陌生链接填写银行卡、身份证、手机号等个人 信息；凡是以快递方式寄送资料，要求垫付资金，要求通过快递渠道递送现金、黄金的，均为诈骗信 息。（鲁畅、马广涵） 据警方介绍，此前，骗子冒充银行、互联网金融等客服人员谎称事主名下账户有不良记录或开通的会员 服务需要消除，不消除会影响个人征信或定期扣费。待事主相信后，进一步诱骗事主下载远程控制、远 程会议类App，通过App进一步诱导操作网银、借贷App转账。 ...

Core Viewpoint - The article highlights the innovative approach taken by Guangfa Bank's Beijing branch to educate the elderly about preventing telecom fraud, emphasizing the need for clear and direct communication about the tactics used by scammers [1][7]. Group 1: Educational Initiatives - Guangfa Bank organized a financial knowledge education event in the Siqiquan community, focusing on telecom fraud prevention for nearly a hundred elderly attendees [1]. - The bank created a series of visual aids using screenshots from surveillance footage of fraud attempts, presenting them as a "comic strip" to effectively illustrate the scammers' tactics [3]. - The event included discussions on various financial topics such as deposit insurance, currency anti-counterfeiting, anti-money laundering, and consumer rights, aligning with national campaigns against economic crimes [8]. Group 2: Target Audience and Fraud Tactics - The elderly population is increasingly targeted by telecom fraud, which often employs advanced technology like AI face-swapping and conference apps, making it difficult for victims to recognize the scams [7]. - The bank's educational efforts aim to go beyond basic warnings about not sharing personal information, addressing the complexity and recent developments in fraud schemes [8]. Group 3: Community Impact - Feedback from participants, such as a 75-year-old resident, indicates that clear explanations of fraud tactics can significantly enhance awareness and vigilance among the elderly [5].

Group 1 - The core activity conducted by Guangfa Bank's Beijing branch involved financial education targeting used car dealers, emphasizing the importance of deposit insurance and consumer rights [1][4] - The bank utilized innovative methods to explain financial concepts, likening deposit insurance to a "safety airbag" and highlighting the "eight consumer rights" related to vehicle purchases [1][3] - The "Three Appropriateness Principles" were a focal point of the event, advising consumers to choose financial products that match their risk tolerance and circumstances [1] Group 2 - Guangfa Bank organized the event to raise awareness about the latest forms of telecom fraud, providing visual aids to help customers recognize and avoid scams [2][3] - The bank's financial education initiatives are tailored to the audience's characteristics, ensuring that the information is both engaging and effective [2][3] - The event is part of a broader campaign aligned with national initiatives for investor protection and economic crime prevention [4]