本报讯（记者韦薇 通讯员石征）本想通过"爱心捐赠"积攒功德，不料却险些沦为洗钱"工具人"；轻 信"炒股经理"稳赚不赔的承诺，20万元积蓄差点被骗走。近日，南宁市公安局高新技术产业开发区分局 依托警银联动机制，精准研判、快速处置，成功拦截涉诈资金4万元，劝阻群众投资转账20万元，及时 拆穿两起电信网络诈骗骗局，为群众挽回经济损失。 "扶贫资金，免费领取""爱心捐赠，功德无量"……这些看似充满善意的话术，实则是诈骗分子编织的洗 钱陷阱。 不久前,张先生（化姓）在抖音上刷到"申领国家扶贫款"的广告，便添加了所谓的工作人员。对方称只 要通过接收他人捐赠资金，取现存入指定账户就可完成爱心捐赠，实现"爱心助力"的同时，还能获得奖 励补贴。 以为自己在做善事的张先生便按照对方指示，使用自己名下银行账户接收4万元转账，后取现欲交付 给"车手"，所幸被民警及时拦截。民警查看他的手机发现，诈骗分子还在线上教唆张先生编造理由来消 除银行工作人员和警方的怀疑。随后在民警的讲解下，他才意识到自己险些掉入诈骗分子的洗钱陷阱， 成为"电诈工具人"。 "内幕信息，稳赚不赔""投资越多赚得越多"……这样的诱惑话术，让不少人陷入虚假投资理财骗局 ...

Core Insights - The article highlights a case of a woman falling victim to a fraudulent investment scheme disguised as a stock trading course and stock recommendation service [1][2]. Group 1: Fraud Mechanism - The victim, identified as Ms. Wang, was lured into the scam after purchasing a stock trading course online and downloading an investment app, where she interacted with a self-proclaimed "stock master" [1]. - The scammer promised high returns with zero risk, claiming that even if there were losses, the team would compensate for them, which led to the victim lowering her guard [1][2]. - After initial small profits and successful withdrawals, the scammer encouraged Ms. Wang to withdraw 110,000 yuan (approximately 11 million) in cash for a "safer" offline transaction, aiming to eliminate traceability of the funds [2]. Group 2: Law Enforcement Response - Local police received a tip-off about Ms. Wang's suspicious cash withdrawals and intervened just in time to prevent her from handing over the cash to the scammers [1][3]. - The police emphasized that the investment apps or websites used by scammers are often fabricated, and the displayed profit data can be easily manipulated [3]. - Authorities advised victims to preserve evidence and report such scams immediately to prevent financial loss [3].

Core Viewpoint - The article emphasizes the importance of protecting elderly individuals from various scams targeting their financial assets, particularly focusing on fraudulent schemes that exploit their trust and lack of knowledge about financial products and services [4][5][10]. Summary by Sections Scams Related to Housing and Investment - Scammers use "reverse mortgage" schemes to lure elderly individuals with promises of high returns, leading them to mortgage their properties for fake investment products, ultimately resulting in loss of principal and potential foreclosure [5][10]. - The article warns against false investment opportunities that claim to offer government support or policy subsidies, enticing seniors with low-risk, high-return promises, which often lead to financial loss when scammers disappear after receiving funds [10][19]. Scams Involving Elderly Products and Services - Fraudsters sell "elderly products" or offer "health services" under the guise of free health checks or wellness seminars, aiming to gain trust and promote high-end services or products, which are often part of illegal fundraising activities [8][9]. - The article advises seniors to resist temptations and verify investment projects through legitimate channels to avoid falling victim to scams [7][13]. Insurance and Financial Services Scams - Scammers impersonate social security staff to mislead elderly individuals into believing they can access retirement funds through special channels, often resulting in financial loss when payments are made [16][18]. - The article highlights the risk of scams involving insurance policies, where fraudsters encourage seniors to cancel their policies for supposedly better investment opportunities, leading to loss of funds and high fees [19][21]. Other Common Scams - The article discusses the dangers of renting out bank cards, where scammers promise high returns but use the cards for illegal activities, putting the elderly at risk of financial and legal repercussions [22][23]. - It also warns about scams utilizing voice and facial recognition technology to deceive seniors into providing sensitive information or transferring money under false pretenses [24][25]. Conclusion - The article concludes with a call for elderly individuals to enhance their awareness and vigilance against scams, encouraging them to seek information from reliable sources and to protect their personal data [26].