近日，农行济南泺源华联支行凭借敏锐的风险洞察力和高度负责的态度，成功拦截一起针对老年人的诈 骗事件，为老人避免了5.8万元的经济损失。 当日，两名客户来到农行济南泺源华联支行，要求将5.8万元现金转账。大堂经理见金额较大，便仔细 询问转账用途。然而，老人含糊其辞，对收款方信息知之甚少。与此同时，旁边一名客户不断催促老人 转账，还炫耀自己投资20万已赚50多万。这一异常情况迅速引起大堂经理的警觉，他立刻将老人请到一 旁耐心劝阻。经过沟通，老人幡然醒悟，称自己被"好朋友"引导，被高利润冲昏了头脑，多亏银行工作 人员，才保住了这笔来之不易的钱财。 近年来，针对老年人的诈骗手段层出不穷。一些不法分子打着投资养老名义，承诺高利率回报、预留养 老床位等，非法筹集资金；或以"以房养老"为旗号，诱使老人抵押房屋购买"理财产品"，进行非法集 资。还有不法分子以"限量发行""高额回报"吸引老人投资纪念币，实则售卖工艺品或翻版纪念币；更有 甚者，虚构国企背景、保本保息承诺获取信任，诱导充值投资后以各种理由拒不提现，致使老人血本无 归。 在此，农行济南泺源华联支行提醒广大老年朋友，务必提高警惕，切勿轻信高收益、高回报的投资承 诺，遇 ...

防范养老诈骗。一些不法分子以"养老理财""会员制养老""投资养老项目"为名，承诺高额利息分红回 报、优先入住资格或享受消费优惠，引诱老年消费者办理"会员卡""预付卡"或投资入股，收取高额会员 费、保证金或投资本金，诈骗老年消费者钱财。建议消费者切勿轻信"高息回报"等虚假承诺，避免落入 非法集资陷阱。 当前，我国养老服务消费需求日益增长，银发经济迎来快速发展。与此同时，全国消协组织受理投诉情 况显示，养老服务消费中一些"坑老""骗老"行为和不良营销手段时有出现。为更好满足老年人服务需 求，切实减少养老服务消费侵权事件，全国老龄办、民政部、中国老龄协会、中国消费者协会近日特别 提醒广大老年消费者防范养老服务消费风险。 谨慎选择养老服务机构。一些组织未经登记就打着养老服务机构的名义开展活动，这类经营主体既无资 格资质、质量保证，又存在极大安全隐患。为方便消费者查询，民政部开通了全国养老服务信息平台， 消费者可通过该平台查询或选择具备资格资质的养老服务机构。 规范签订服务合同。老年消费者在缴纳养老服务费用前，应与养老服务经营者签订正规合同，特别要关 注涉及服务主体、服务内容、服务周期、服务收费等的条款，明确约定退费情 ...

Core Viewpoint - The article discusses one of the largest pension fraud cases in China, where over 600,000 elderly individuals were deceived out of more than 24.4 billion yuan over eight years, led by Zhou Zhifeng, the actual controller of Shanhai Group, who was sentenced to life imprisonment for his crimes [1][10]. Group 1: Nature of the Fraud - The fraud was not only a financial scam but also an emotional trap, starting with seemingly harmless gifts like free eggs to gain the trust of elderly individuals [4][6]. - Zhou's team of young salespeople built a "trust fortress" by providing emotional support and companionship to the elderly, making them more susceptible to manipulation [6][19]. - The fraudulent schemes included high-return investment promises, such as a 20% annual return, which lured many elderly individuals into a Ponzi scheme [8][10]. Group 2: Elderly Vulnerability - The elderly are particularly vulnerable to scams due to their isolation and loneliness, which scammers exploit by filling emotional voids [9][19]. - Many elderly individuals lack the ability to access or interpret information effectively, making them easy targets for misleading investment opportunities [17][19]. - The emotional manipulation involved in these scams often leads to a denial of the fraud even when evidence is presented, as seen in the reactions of many victims [3][9]. Group 3: Characteristics of Modern Scams - Modern scams are increasingly sophisticated, presenting themselves as legitimate businesses with professional appearances and operations [12][15]. - Scammers often create a façade of credibility by associating with official entities and providing seemingly genuine services, which further deceives the elderly [15][16]. - The article highlights the need for better awareness and education among the elderly regarding the nature of these scams and the importance of critical thinking [17][31]. Group 4: Prevention Strategies - Effective prevention against such scams requires emotional support and regular communication with elderly family members, emphasizing the importance of family involvement [22][23]. - The article suggests implementing technical measures, such as installing fraud prevention apps and setting financial limits, to protect the elderly [23]. - It also emphasizes the need for awareness of common scams targeting the elderly, including fake social security services and low-cost travel schemes [24][28].

据检察日报8月5日消息，"以帮忙代办社保等为名行诈骗之实的违法犯罪行为，不仅给老年群体带来巨大财产损失，还严重损害其身心健康，我们必须对 此进行严厉打击，高质效办好涉养老、社保诈骗案，保障老年人合法权益。"7月22日，四川省渠县检察院召开专题讨论会，以此前办理的刘某诈骗案为例 展开交流讨论，总结办案经验，并就办理该类诈骗案件在证据把握、中间人责任、诈骗金额认定等方面达成共识。 公职人员刘某因沉迷网络赌博，负债高达上百万元。为偿还赌债，她以代办社保方式实施诈骗，为达目的，还找人冒充政府工作人员，利用真实行政场所 实施"沉浸式"诈骗，受骗人员19名，涉案金额199.2万元。 经渠县检察院提起公诉，法院于2024年7月23日作出判决，以诈骗罪判处刘某有期徒刑十二年六个月，并处罚金20万元。今年5月12日，同案犯李某被以诈 骗罪判处有期徒刑二年，缓刑二年，并处罚金1万元。 为行骗，让情人在局长办公室里演"局长" "内部特殊工种提前退休，45岁就可以退休领'养老金'，每个月领2000元，就10个名额。"2023年12月中旬，熊某得知亲戚委托刘某办理社保，并一次性补 领了四个月"养老金"，怦然心动。他明知弟弟、弟妹不符合 ...