保障金融权益，守护美好生活。泰康人寿青岛分公司于反诈宣传月持续推出系列以案说险，助力提升消 费者金融素养，构建和谐稳定的金融环境。 "冒充公检法诈骗"是一种常见的诈骗形式，以下案例源自真实案例：张先生接到一个自称是"某市公安 局警官"的电话，称其名下银行卡涉嫌"重大洗钱案"，要求配合调查。骗子以"案件保密"为由，要求张 先生独自到酒店开房，断绝与外界联系，并通过指定链接下载"安全防护"APP（实为木马软件）。在持 续数小时的恐吓操控下，张先生为"自证清白"，将全部积蓄38万元转入所谓的"安全账户"进行"资金核 查"，结果血本无归。 这是典型的"冒充公检法诈骗"。骗子利用普通人对司法机关的敬畏心理，通过伪造身份、文件制造恐 慌，以"涉嫌犯罪"、"保密要求"为名进行精神控制，隔离受害者与外界的联系，最终诱导转账到所谓 的"安全账户"，受害者在高压下往往失去正常判断力。 全面剖析诈骗风险和套路，此类诈骗常以精准恐吓开场：冒充权威机关（公检法、海关、医保局等）， 声称你涉嫌严重违法（洗钱、诈骗、包裹藏毒等），制造紧张氛围。然后，通常伪造证据施压：骗子伪 造的"通缉令"、"逮捕令"、"案件材料"，利用PS技术添加受害者 ...

Core Viewpoint - Recent cross-border fraud cases targeting overseas students have emerged, utilizing traditional scams disguised with new tactics such as "capital verification" and "priority investigation" [1][3] Group 1: Fraud Tactics - The fraudsters impersonate law enforcement, claiming that the victims are involved in money laundering and sending fake arrest warrants to manipulate overseas students [3][5] - Victims are subjected to psychological manipulation, including threats and fabricated evidence, leading them to comply with demands for large sums of money [5][6] - The scams involve complex schemes where victims are coerced into transferring funds under the guise of paying "guarantee fees" or "court fees" [6][8] Group 2: Victim Profiles - Overseas students, often inexperienced and isolated from family support, are particularly vulnerable to these scams [8][9] - A specific case involved a 19-year-old student who was manipulated into transferring 1 million yuan (approximately 150,000 USD) after being convinced of a fabricated legal situation [6][7] Group 3: Prevention Measures - Authorities emphasize the need for enhanced fraud awareness training for students before they study abroad, as many lack sufficient knowledge about potential scams [8][9] - Initiatives have been established in Nanjing to provide fraud prevention training to international students, significantly reducing the number of related cases [8][9] - Law enforcement agencies warn that any requests for "guarantee fees" via phone or social media are indicative of fraud, as legitimate authorities do not operate in this manner [8][9]