近期诈骗类型 不法分子打着"数字人民币推广"的旗号，在微信公众号、视频号、抖音、小红书等网络平台发布虚假消 息和联系方式，以高额回报等话术为诱饵，诱导用户加入聊天群组，并在群内开展考试、会议课程等活 动，进一步"洗脑"诱导用户"拉人头"招募新用户加入，企图实施诈骗。上述行为侵害了用户的财产权益 和个人隐私。 部分违规内容示例 反诈提示 温馨提醒广大公众 数字人民币是数字形式的法定货币，采用"央行-数字人民币业务运营机构"双层运营架构，未设立任何 民间推广中心，不存在数字人民币推广员考试。数字人民币不具有炒作空间，不存在所谓"兑换补 贴"或"流水返佣"，不会通过鼓吹高额佣金或炒币高回报等方式诱导用户泄露个人敏感信息和参与传 销。数字人民币相关金融业务均由持牌金融机构提供，获取合法合理收益。高收益往往伴随高风险，面 对承诺"高额回报""稳赚不赔"的数字人民币投资，要保持清醒，切勿相信。请广大公众谨防上当受骗， 避免自身经济利益损失。 谨防诈骗，牢记"四不" 不图高额返利 数字人民币是数字形式的法定货币，没有所谓补贴、红利。请警惕任何高额回报、兑换补贴、稳赚不赔 的承诺。 不搞"拉人头" 数字人民币由指定商业银行或 ...

Core Points - The article discusses the recent fraudulent activities related to the promotion of digital RMB, where scammers misrepresent themselves as agents for the People's Bank of China, promising unrealistic returns and incentives [5][23][27] - It emphasizes that digital RMB is a legal currency issued by the central bank and does not involve any unofficial promotion centers or recruitment of agents [24][30] Summary by Sections Promotion Mechanism - The promotion of digital RMB includes a reward system for individuals and merchants who participate in the program, with cash rewards ranging from 200 to 400 yuan for new users and merchants [20][19] - Merchants can receive a 2% subsidy on transaction volumes, and individuals can earn 4% to 5% for converting RMB to digital RMB [20][19] - The program claims to offer lifetime earnings for those who pass an exam and meet performance criteria, with additional rewards for team performance [20][19] Fraudulent Activities - Reports indicate that individuals are being misled by false claims of "zero investment, zero risk" and are being recruited under the guise of becoming digital RMB promoters [5][23] - Scammers use deceptive language to lure individuals into multi-level marketing schemes, promising high returns and commissions for recruiting others [5][23][27] - The People's Bank of China has issued warnings against these fraudulent schemes, clarifying that there are no official promotional exams or recruitment processes [24][30] Risk Awareness - The article highlights the importance of verifying information through official channels and warns against engaging with unofficial promotions or offers that promise high returns [27][28] - It outlines key questions individuals should ask themselves to identify potential scams, such as the legitimacy of promotional claims and the nature of the recruitment process [36]

人民财讯12月16日电，中国人民银行上海总部发布针对近期假借数字人民币推广进行诈骗的风险提示， 数字人民币是数字形式的法定货币，采用"央行-数字人民币业务运营机构"双层运营架构，未设立任何 民间推广中心，不存在数字人民币推广员考试。数字人民币不具有炒作空间，不存在所谓"兑换补 贴"或"流水返佣"，不会鼓吹高额佣金或炒币高回报，不会诱导用户泄露个人敏感信息和参与传销。面 对承诺"高额回报""稳赚不赔"的所谓"数字人民币投资"，要保持清醒，切勿轻信，谨防上当受骗，避免 自身经济利益损失。如疑似遭遇诈骗，应立即报警处理。 ...

Core Viewpoint - The People's Bank of China (PBOC) Shanghai Headquarters issued a risk warning regarding fraudulent activities related to digital renminbi, emphasizing that these scams exploit the promotion of digital currency to deceive users into joining groups and participating in recruitment schemes [1][5]. Group 1: Fraudulent Activities - Fraudsters are using the guise of "digital renminbi promotion" and "recruitment of promoters" to lure users with promises of high returns, leading them to join chat groups for brainwashing activities [1][5]. - The PBOC clarified that digital renminbi is a legal digital currency and operates under a "central bank - digital renminbi business operation institution" dual-layer structure, with no private promotion centers or promotional exams [1][5]. Group 2: Key Warnings - Users are advised to be cautious of any promises of high returns, as digital renminbi does not offer subsidies or commissions, and any claims of guaranteed profits should be treated as scams [6][7]. - The PBOC emphasizes four key points to avoid scams: 1. Do not seek high returns [6] 2. Do not engage in "pyramid schemes" or recruitment [7] 3. Do not click on unknown links; the digital renminbi app should only be downloaded from official app stores or the designated website [8] 4. Do not join groups or attend meetings that promote investment in digital renminbi, as these are also scams [9]