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].

Core Viewpoint - The article emphasizes the importance of raising awareness among the elderly regarding investment risks and warns against scams related to retirement services and products [1][3][4] Group 1: Actions Taken by the Company - The company has implemented a six-month special action to combat and rectify pension fraud, following directives from regulatory bodies [3] - A comprehensive action plan was developed, including training sessions and the establishment of a leadership group to oversee the initiative [3] - The company is actively screening and identifying potential pension fraud cases in its daily operations [3] Group 2: Public Awareness Campaigns - The company has launched various public awareness campaigns in communities, parks, and streets to educate the public about pension fraud [1][3] - A combination of online and offline promotional activities has been employed, including the display of slogans and videos in customer service centers [3] - Employees and their families are encouraged to download the "National Anti-Fraud APP" and engage with elderly individuals about their financial situations [3] Group 3: Future Plans - The company plans to continue reinforcing the results of its awareness campaigns and establish a long-term mechanism to enhance the elderly's ability to recognize and prevent fraud [4]

Core Viewpoint - The article emphasizes the importance of financial literacy among elderly consumers to protect their rights and assets from fraudulent schemes, particularly in the context of increasing scams targeting this demographic due to population aging [1][2]. Group 1: Financial Literacy Initiatives - The Bank of China Chongqing Branch launched the "Financial Accompanying You" series to enhance financial consumers' awareness and ability to safeguard their rights [1]. - The current session focuses on the theme "Elderly Consumers Beware of Pension Fraud Traps" [1]. Group 2: Pension Fraud Awareness - Scammers exploit elderly individuals by using deceptive tactics related to "subsidy claims," "poverty alleviation," "insurance agency retirement," "reverse mortgage," and "investment management" [1][2]. - Elderly consumers are advised to be cautious and improve their risk awareness to protect their retirement funds [1]. Group 3: Investment Caution - Elderly individuals should not be misled by terms like "capital protection high interest" or "guaranteed returns," as legitimate reverse mortgage schemes are regulated by the government [2]. - It is crucial for elderly consumers to choose legitimate institutions and channels for investment and to be wary of projects promising "low risk and high returns" [2]. - Consumers are encouraged to avoid "side door" financial services and to seek information from reputable sources to enhance their risk prevention capabilities [2].