Core Viewpoint - The discussion highlights the increasing vulnerability of the elderly consumer group to scams, particularly in the context of the "silver economy," emphasizing the need for better protection of their consumer rights and understanding of their psychological needs [9][10][11]. Group 1: Elderly Consumer Rights and Psychological Insights - Understanding the psychological characteristics of the elderly is crucial for protecting their consumer rights, as their fears and anxieties can make them susceptible to scams [11][13]. - Elderly individuals often exhibit a strong desire to avoid losses, which can lead them to fall for low-cost offers that exploit their fears of missing out [11][12]. - Emotional manipulation through private live streaming and community engagement is a common tactic used by scammers to build trust and exploit elderly consumers [12][20]. Group 2: Trends in Elderly Consumption - Elderly consumer spending is shifting from basic living expenses to include more health and wellness products, with a notable increase in online shopping [17][18]. - Various types of scams targeting the elderly include exaggerated health product claims, low-cost travel offers, and emotional scams that exploit loneliness [17][18][21]. Group 3: Regulatory and Legal Perspectives - Current regulations are insufficient to address the challenges posed by private live streaming and other emerging scam tactics, necessitating stronger legal frameworks [15][16]. - Experts suggest that regulatory bodies should implement specific guidelines for private live streaming to protect elderly consumers from fraud [16][19]. Group 4: Recommendations for Protection - Multi-faceted approaches involving families, society, and regulatory bodies are essential to safeguard elderly consumers from scams [19][22]. - Implementing a delayed payment mechanism for large transactions by elderly individuals could help prevent impulsive decisions that lead to fraud [22][25]. - Initiatives to enhance public awareness and education about scams targeting the elderly are crucial for building resilience against fraud [24][25].

为进一步提升老年群体防范意识，谨记"投资有风险"，切勿轻信所谓的"稳赚不赔""无风险、高收益"的宣传。警惕以提供"养老服务"、投资"养老项 目"、销售"养老产品"、宣称"以房养老"、代办"养老保险"、开展"养老帮扶"为噱头的诈骗手法。近日，中银三星人寿辽宁分公司工作人员走进社区、走入公 园、走上街头，开展形式多样的反养老诈骗公益宣传活动，帮助广大人民群众远离非法集资陷阱，守护好自己的"钱袋子"。 整治养老诈骗任务艰巨而繁重，需全社会共同努力，未来，中银三星人寿辽宁分公司将继续巩固宣传成果，推动建立长效工作机制，精准化、多样化提 升老年群体识骗、防骗能力。 【纠错】 【责任编辑:刘睿祎】 自为期半年的打击整治养老诈骗专项行动开展以来，中银三星人寿辽宁分公司坚决贯彻落实银保监会、省委省政府、辽宁银保监局、辽宁省平安辽宁建 设领导小组的工作部署，制定行动方案、召开专题培训会议，成立专项行动领导小组，要求全司上下行动起来在日常工作中做好对涉嫌养老诈骗线索的筛查 和甄别工作，统一思想，凝聚共识，认真开展好专项行动，严防公司从业人员利用理财、保险渠道开展非法活动。 中银三星人寿辽宁分公司通过"线上+线下"宣传相配合的形式 ...

一、老年人不要被"保本高息""保证收益"等说辞迷惑。正规的"以房养老"是国家施行的"老年人住房反 向抵押养老保险"。具体来说，就是拥有房屋完全合法产权的老年人将房产抵押给保险公司，继续拥有 房屋占有、使用、收益和经抵押权人(保险公司)同意的处置权，并按照约定条件领取养老金直至身故。 老年人身故后，保险公司获得抵押房产处置权，处置所得将优先用于偿付养老保险相关费用。 在银行业普及金融知识万里行暨"普及金融知识 守住'钱袋子'"活动期间，中国银行重庆市分行向广大市 民推出"金融伴您行"系列知识分享，助力广大金融消费者增强维护自身合法权益的意识和能力，保障客 户权益，乐享安心生活。本期分享主题为《养老诈骗圈套多，老年消费者需谨慎》。 随着人口老龄化，越来越多的不法分子盯上了父母长辈们的"钱袋子"，利用"领取补助""扶贫""代理退 保""以房养老""投资理财"等方式"套路"诈骗老年消费者，严重侵害老年消费者合法权益。老年消费者 一定要提高风险防范意识，保护好自己的"养老钱"。 二、投资理财要选择正规机构和渠道。老年人要增强理性投资理财观念，谨记"投资有风险"，警惕各类 标榜"低风险、高回报"的投资理财项目，切勿受"高 ...