制图:朱林(即梦AI生成) "滋润你我他，幸福千万家。"曾几何时，这句广告词伴随着隆力奇蛇油膏走进了千家万户。创立于1986 年的隆力奇，作为民族日化品牌的代表之一，承载着一代人的消费记忆。然而近年来，这家老牌国货却 频频陷入传销争议。 近日，南都记者接到多位消费者报料，称隆力奇旗下"倍莱鲜羊奶粉"以直销为名，开展涉嫌传销的销售 活动。记者调查发现，该产品不仅不在隆力奇合法的直销产品名录内，且作为普通食品却长期宣传保健 功效，其推广模式存在明显的层级返利特征。目前，隆力奇集团自身也深陷多起纠纷，累计被执行金额 超8亿元。 宣传册清晰标注层级晋升机制 记者对比发现，当前在多个渠道主推的"倍莱鲜羊奶粉"并不在该公司合法的直销产品名录之内。这意味 着，任何以"隆力奇直销"名义销售该羊奶粉的行为，均属于超出许可范围的违规经营。 从直销到"拉人头"多层次返利 接受记者采访当天，孙女士刚和母亲因一款羊奶粉发生争执。去年底，孙女士54岁的母亲退休后开始接 触隆力奇旗下倍莱鲜羊奶粉项目。"她认为这是老品牌带来的新机会。"孙女士说。 然而，当孙女士看到母亲带回来的宣传册时，立即警觉起来。册子上不仅宣称产品具有"15天瘦13 斤 ...

中国经济网北京12月25日讯 江西电视台《都市现场》栏目近期报道显示，南昌的许先生介绍，今 年8月份，他的家人参加了一场轻食分享会后，就经常往家里带一款"永春健"的产品。"我就问了一下， 她做的项目公司叫康尔生物公司，目前所在的团队叫凡圣系统。"许先生表示。凡圣系统是一个以分享 经历、拉线下加盟的经销团队，团队会员有了下线之后，前三代可以从每个下线的购买金额中直接拿到 最低10%的分成，从第四代往后，也可以下线的整体业绩中达到比例不等的分成。这个模式属于无限代 无封顶，目前的最高等级为12级。 青岛康尔生物工程有限公司的客服热线表示，公司是拥有直销证的正规公司，但是对公司与凡圣系 统间的关系，没有给出直接答复。今年9月，负责认定和查处传销行为的市场监管部门回复称，涉嫌传 销的内容证据不足，但是可以认定涉嫌无照经营以及虚假宣传，目前已进行立案调查。 中国经济网记者致电青岛康尔生物工程有限公司了解详情，对方称对具体情况不清楚，建议向当事 人进行了解。 (责任编辑：徐自立) 天眼查工商信息显示，青岛康尔生物工程有限公司，成立于2000年，位于山东省青岛市，是一家 以从事食品制造业为主的企业。企业注册资本8300万人 ...

在市场拓展方面，艾多美采取稳健的发展策略。企业通过优质产品和服务赢得消费者认可，实现自然增 长。这种以价值吸引客户的方式，与传销通过激进手段扩张的模式存在根本差异。传销往往追求短期规 模扩张，而艾多美则注重可持续发展。艾多美重视品牌价值的长期积累。企业通过诚信经营和优质服 务，逐步建立品牌信誉。这种以信誉赢得市场的方式，与传销缺乏品牌建设的做法形成鲜明对比。传销 通常不注重品牌价值，而艾多美则将品牌视为重要资产。在员工价值实现方面，艾多美提供完善的成长 平台。 在商业领域，企业的本质特征通过其商业逻辑与价值创造方式得以体现。艾多美构建了以产品为核心、 以消费者价值为导向的商业体系，这种健康的商业模式与传销活动存在根本性差异，展现出完全不同的 发展路径和社会价值。艾多美的商业逻辑建立在真实的价值创造基础之上。企业通过研发、生产和销售 优质产品来实现合理盈利，这种以产品为本的商业模式，与传销依靠发展人员获取收益的方式形成鲜明 对比。 企业通过系统培训和职业规划，帮助员工提升专业能力。这种关注员工发展的理念，与传销将员工作为 工具的取向形成强烈反差。传销往往忽视员工权益，而艾多美则重视员工成长。艾多美积极履行社会责 ...

成都市公安局温江区分局查获传销团伙现场。受访者供图 成都市公安局温江区分局经侦大队副大队长旷明介绍，该团伙往往以找工作、旅游、交友等理由，通过微信、QQ、电话等方式诱骗外省在校或者 刚毕业大学生来到成都，打着"国家项目""国家暗中支持"的幌子偷换"传销"概念，以"阳光工程""连锁经营"为由头，诱骗参与人员缴纳69800元获 得加入资格，虚构"通过发展下线，最后可获利1040万元"的谎言进行传销活动。 旷明介绍，为了增强欺骗性，该传销团伙还制定了一套严密的"洗脑"流程：新人加入时，通过热情接待降低其防备意识；后续通过封闭式培训， 反复灌输"投资几万，几年后就能获得上百倍回报"等理念，并虚构成功案例，逐步瓦解受害者的心理防线。受害者被"快速致富"的话术蛊惑参与 其中后，不仅投入了全部积蓄，甚至还向亲友借款。如果新发展人员自身没钱缴款或向亲友借不到钱，团伙成员还会怂恿新人通过办理信用卡等 方式套取现金，下载网贷软件凑钱，导致部分参与人员负债累累，越陷越深，难以脱身。 经过缜密侦查，公安民警会同相关部门开展了统一收网行动，成功摧毁这一特大传销犯罪网络。 "公安机关始终将防范打击传销活动作为民生重点工作来抓，持续保持对 ...

Core Viewpoint - The "Anwo Gubao" platform, marketed as the first dedicated stock investment insurance product in mainland China, is revealed to be a fraudulent scheme involving false advertising, illegal operations, and pyramid selling tactics, posing significant risks to investors' funds [1][4]. Summary by Sections Product Overview - "Anwo Gubao" claims to be an innovative insurance product from Hong Kong Anwo Insurance Co., targeting mainland investors with promises of full compensation for stock losses within three hours of selling at a loss, without requiring prepayment of premiums [3][4]. Regulatory Response - The China Insurance Industry Association issued a warning on November 26, stating that "Anwo Gubao" is not an approved insurance entity and that stock investment losses are not insurable risks, highlighting the platform's illegal financial operations [4][10]. Insurance Principles Violation - Experts assert that the model of full compensation for stock losses contradicts basic insurance principles, as it involves speculative risks rather than pure risks, and the lack of upfront premium payments undermines the financial viability of the insurance model [5][6][10]. Pyramid Scheme Characteristics - The platform employs a multi-level marketing strategy, incentivizing users to recruit others with promises of high weekly salaries based on the number of recruits, which aligns with characteristics of pyramid schemes [7][8]. Investor Awareness - The emergence of such fraudulent financial products serves as a reminder for investors to remain vigilant and rational, particularly against enticing claims of guaranteed returns or high earnings, which are often indicative of scams [9][10].

Core Viewpoint - The article expresses a strong skepticism towards Bitcoin, likening its speculative nature to past financial scams and emphasizing that it holds no real value [2][3][4]. Group 1: Bitcoin's Value and Speculation - Bitcoin is compared to historical financial scams, suggesting that its current speculative nature is not fundamentally different from past schemes like pyramid selling [4]. - The author argues that the fervent defense of Bitcoin by some individuals, who do not actually own any, is disingenuous and reflects a desire to appear trendy rather than a genuine belief in its value [3][5]. Group 2: Risks and Consequences - The article highlights the potential dangers of Bitcoin speculation, drawing parallels to past experiences where individuals were harmed financially and socially due to similar schemes [4]. - It is suggested that the involvement of high-profile figures, such as the Trump family, may prolong the eventual collapse of Bitcoin, but the outcome will ultimately be disastrous [4].

Core Viewpoint - Recent fraudulent activities have emerged using the name of Greenland Hong Kong, promoting a fictitious "China Dream Special Social Security Fund" and other investment products, which the company has denied any association with [1][5][6] Group 1: Fraudulent Activities - Fraudsters are using fake apps and social media to promote the so-called "Greenland Hong Kong Special Social Security Fund," claiming that individuals over 40 can receive monthly payments ranging from 450 to 1075 yuan [1][3] - The company has reported that these scams involve high returns and recruitment of new participants, which are classic signs of Ponzi schemes [1][6] - A recent investigation revealed that scammers are actively promoting these fraudulent schemes on popular social media platforms, misleading users into downloading unauthorized applications [3][4] Group 2: Company Response - Greenland Hong Kong has issued a statement warning the public about these fraudulent activities and has reported the matter to law enforcement [2][5] - The company clarified that it has never developed or authorized any official apps related to social security funds or similar investment products [5][6] - Legal actions are being pursued against those who misuse the company's name and logo for fraudulent purposes, with the potential for significant legal repercussions for the perpetrators [6]

Core Viewpoint - The article discusses a suspicious investment product called "An Wo Gu Bao," which claims to provide insurance coverage for stock investments, promising high returns while minimizing risks. However, investigations reveal significant doubts about its legitimacy and potential links to fraudulent activities [1][3][6]. Summary by Sections Product Description - "An Wo Gu Bao" is marketed as the first insurance product for stock investments, claiming to offer monthly returns of 60% to 100% and full compensation for losses by the insurance company [3][4]. - The investment process is simplified, requiring minimal effort from investors, who only need to authorize the insurance company to select stocks on their behalf [4][5]. Company and Partnerships - The product is purportedly backed by a legitimate Hong Kong insurance company and has a strategic partnership with CITIC Securities, which is claimed to provide brokerage services [1][5]. - However, both the insurance company and CITIC Securities have denied any association with "An Wo Gu Bao," indicating that it is not an official product [6][7]. Regulatory Concerns - Experts highlight that stock investments are inherently speculative and typically not insurable, as they do not fit the criteria for traditional insurance products [6][9]. - The article emphasizes that any insurance product covering stock investments would require regulatory approval, which "An Wo Gu Bao" lacks [6][9]. Marketing and Promotion - The product employs a multi-level marketing strategy, offering incentives for users to recruit new investors, which raises red flags about its legitimacy and potential classification as a pyramid scheme [8][10]. - The promotional structure includes rewards for both first-time investors and those who refer new clients, suggesting a focus on expanding the investor base rather than genuine investment returns [8][10]. Expert Opinions - Industry experts warn that the promised returns are unrealistic and indicative of a Ponzi scheme, where returns to earlier investors are paid from the contributions of newer investors rather than from legitimate profits [9][10][11]. - Investors are advised to maintain skepticism towards high-return promises and to scrutinize the transparency and legitimacy of such investment opportunities [11][12].

Core Viewpoint - The article discusses a suspicious investment product called "An Wo Gu Bao," which claims to provide insurance coverage for stock trading losses while promising high returns, raising concerns about its legitimacy and potential risks to investors [1][6][13]. Group 1: Product Overview - "An Wo Gu Bao" is marketed as the first insurance product for stock trading, allowing investors to participate without selecting stocks themselves, with a claimed success rate of 97% for stock selection [2][4]. - The product offers a minimum investment of 100 yuan and a maximum of 1 million yuan, with daily trading and profit withdrawal capabilities [2][4]. - The promotional materials suggest that investors can earn monthly returns of 60% to 100%, which is significantly higher than typical market returns [1][9]. Group 2: Company and Regulatory Concerns - The product claims to be backed by a legitimate Hong Kong insurance company, but investigations reveal that the company denies any association with "An Wo Gu Bao," indicating it may be a fraudulent scheme [6][7]. - Experts highlight that stock trading losses are considered speculative risks and are not insurable under traditional insurance models, raising questions about the product's compliance with regulatory standards [6][13]. - The product's structure resembles a Ponzi scheme, relying on new investments to pay returns to earlier investors, which is a common characteristic of fraudulent financial products [13][14]. Group 3: Marketing and Incentives - "An Wo Gu Bao" employs a multi-level marketing strategy, offering rewards for both first-time investors and those who refer new clients, which is indicative of a pyramid scheme [9][11]. - The promotional system includes a "star-level" client program that provides weekly salary rewards based on the number of referrals, further incentivizing recruitment over genuine investment [11][12]. - The marketing claims of guaranteed returns and insurance coverage are designed to lower investor skepticism, but experts warn that such promises are often misleading [13][15].

Core Viewpoint - Recent fraudulent activities have emerged using the name of Greenland Hong Kong, promoting fake social security funds and investment products, which the company has denied any association with [4][15]. Group 1: Fraudulent Activities - Fraudsters are using a fake app and social media to promote a so-called "China Dream Special Social Security Fund," claiming that individuals over 40 can receive monthly payments ranging from 450 to 1075 yuan [1][4]. - The company has reported that these scams involve high returns and recruitment incentives, which are characteristic of illegal fundraising and pyramid schemes [4][19]. - The fraudulent activities have been observed on major social media platforms, where users are misled into believing they can receive financial benefits by registering on the fake app [9][11]. 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 [8][15]. - The company clarified that it has never developed or authorized any official app related to social security funds and that all claims of such products are fraudulent [15][18]. - Legal experts have indicated that these fraudulent activities could constitute fraud, and those promoting them may also face legal consequences [14][19].