Core Viewpoint - The emergence of AI-generated fake invoices poses a significant threat to financial trust, as these sophisticated tools make it easier for individuals to commit fraud [5][6]. Group 1 - Traditional methods of fraud involved basic tools like photocopiers and correction fluid, but advancements in technology have led to more sophisticated techniques [6]. - AI-generated fake invoices are now equipped with realistic trademarks, addresses, and details, even simulating wear and tear like creases and coffee stains [6]. - The potential for "deepfakes"—manipulated videos or audio that can make public figures appear to say things they never said—raises concerns about their use in political and financial fraud [6].

Core Points - Financial scams persist due to the allure of quick wealth, affecting individuals from various backgrounds, including the wealthy, ordinary citizens, and celebrities [1] - The book "Don't Be Fooled: A Brief History of Financial Scams" discusses real scam cases, the lessons learned, and what to avoid [1] Summary by Sections Case Study: Fred Hines - Fred Hines, a handyman, fell victim to a Nigerian inheritance scam, believing he would receive $64 million [2] - He mortgaged his property multiple times to raise funds for fees to access the supposed inheritance [2] - Hines received emails claiming to be from the FBI, further entrenching him in the scam despite obvious red flags [3] The "Airplane Game" Scam - The "Airplane Game" promised participants a return of $12,000 for an initial investment of $1,500, creating a pyramid scheme [4] - The game thrived for a while, with some participants earning significant sums, but ultimately collapsed due to its unsustainable model [4] - The FBI's crackdown on such schemes led to their rapid disintegration [4] Human Behavior and Financial Decisions - People often make irrational financial decisions, driven by emotions and the desire for quick solutions to their problems [5][6] - The book emphasizes learning from failures and scams rather than solely focusing on success stories, highlighting the importance of understanding human psychology in financial contexts [6][7] - Avoiding foolish decisions can be more beneficial than merely imitating successful strategies [7]

图 片来源：视觉中国 智通财经记者 | 张晓云 近日，吉林省长春市中级人民法院公布的一则刑事裁定书，揭开了一起涉案金额超2000万元的"租牛-抵 押-再租牛"循环骗贷案细节。 刘某通过顶名贷款、虚假合同等手段连环诈骗，银行内部人员更涉嫌收受"好处费"为审批"开绿灯"，最 终刘某获刑13年，但两家受害银行的千万元损失仍面临难以追回的困境。 空手套白狼的连环骗局 案件显示，2022年6月，自身不符合贷款条件的刘某将目标瞄准涉农贷款业务，设计了"空手套白狼"的 骗贷方案。 刘某先从别处租来297头活牛，随后找到任某充当名义借款人，以这些"借来的牛"作为抵押物，向公主 岭华兴村镇银行申请贷款。由于银行未核实牛的产权归属，400万元贷款顺利发放。 贷款到账后，刘某并未按约定用于农业生产，而是将大部分资金用于偿还个人旧债，剩余款项则被用来 从内蒙古等地租赁更多活牛，为下一轮骗贷做准备。 仅仅两个月后的2022年8月，他故技重施，再次以任某名义，用新租来的牛向该村镇银行申请贷款，又 成功骗取500万元。 本案是一起犯罪分子利用法律与制度漏洞、披着农业经营外衣实施的金融诈骗犯罪。上海国狮律师事务 所江朵律师在接受智通财经采访 ...

Core Insights - The safety of depositors' funds has become a significant issue in the financial sector, prompting the central bank to implement cash management trials and new regulations to protect depositors from financial fraud [1][3]. Group 1: Regulatory Measures - The central bank is monitoring cash transactions exceeding 100,000 yuan to prevent financial fraud and enhance depositor protection [1]. - New regulations emphasize the importance of recognizing the "deposit insurance mark" when making deposits, adding an extra layer of security for depositors [1][3]. Group 2: Bank Failures and Insurance - There have been four bank bankruptcies in China, with two more banks applying for bankruptcy last year, highlighting the importance of deposit insurance [3]. - Depositors with amounts up to 500,000 yuan will receive full compensation even if the bank goes bankrupt, provided the bank is part of the deposit insurance scheme [3][5]. - For deposits exceeding 500,000 yuan, compensation will be based on the bank's asset liquidation process, although previous cases have shown full compensation for amounts over this limit after liquidation [5]. Group 3: Changing Demographics of Savers - Traditionally, older generations were the primary savers due to their stable income and preference for low-risk savings; however, younger individuals are increasingly saving due to economic uncertainties and the risks associated with high-yield investments [7]. - The COVID-19 pandemic and economic downturn have heightened awareness of the importance of savings for unexpected situations like unemployment and illness [7]. Group 4: Limitations of Deposit Insurance - It is crucial to note that losses incurred from financial products, funds, and insurance purchased by depositors are not covered by deposit insurance [8].

如果你突然收到一张印有"某某银行""消费扶贫爱心卡"标识的银行卡，并且宣传页上明确显示说 明"额度有400余万元"，你会相信这是真的吗？不久前，北京大兴区某银行向警方报送了一起"假冒银行 卡诈骗的案件"线索，对方声称这是"养老补贴专用卡"，可领取大额补贴，以制卡费、保费为由，诱骗 老人支付1000余元，还套取了老人及其家人的相关信息。 社会上"假冒银行卡"的骗局层出不穷，它们以"消费扶贫""养老补贴"等理由为幌子，诱导消费者上 当受骗、遭受财产损失。对此，国家金融监督管理总局北京监管局发布风险提示，提醒广大消费者提高 警惕，严防此类骗局。 不法分子的诈骗手段不断翻新，迷惑性极强，让不少老年人防不胜防。博通咨询金融行业首席分析 师王蓬博表示，近期出现的这些"假冒银行卡"骗局，主要是通过政策场景包装与高利益诱惑结合进行诈 骗。不法分子精准锚定带有民生属性的领域，再通过盗用银行标识、伪造官方客服等手段混淆渠道认 知，本质是利用消费者尤其是老年群体对政策福利的信任度，以及信息甄别上的盲区，这也是当前金融 诈骗向场景化、伪官方化演变的突出特征。 那么，"假冒银行卡"骗局究竟是如何进行诈骗的？从北京金融监管局发布的提示来 ...

Core Insights - The article highlights the risks associated with high-yield investment products, particularly for elderly investors who may lack financial literacy and are susceptible to aggressive marketing tactics [2][6]. Group 1: Investment Experience - An elderly investor, referred to as Zhang, initially experienced gains from a high-risk fund but quickly faced significant losses, illustrating the volatility of such investments [3][4]. - Zhang's experience reflects a broader trend where many elderly individuals are misled into high-risk investments without fully understanding the associated risks [6]. Group 2: Marketing and Sales Practices - The marketing tactics employed by financial institutions often include misleading presentations of past performance, which can create a false sense of security for potential investors [3][4]. - There is a noted lack of transparency in risk assessments, with some financial advisors manipulating client profiles to qualify them for riskier products [4]. Group 3: Financial Education and Awareness - The article emphasizes the need for improved financial education, particularly for older adults, to help them recognize and avoid high-risk investment schemes [6]. - Recommendations for avoiding financial scams include verifying the qualifications of financial advisors, understanding risk levels, and being cautious of promises of high returns [6]. Group 4: Regulatory and Institutional Response - The financial institution involved faced complaints regarding inadequate risk disclosure, highlighting a gap in regulatory oversight and the need for better consumer protection measures [5][6]. - The article suggests that financial institutions are beginning to shift their focus towards educating consumers about financial fraud, indicating a potential change in industry practices [7].

常见金融诈骗套路 虚假投资诈骗：号称"高收益、低风险"，用虚拟货币、炒股APP、贵金属交易等噱头吸引投资，实则卷 钱跑路；搭建虚假平台，利用山寨APP或网站虚假转账，实则无法提现；拉人头分红，承诺"拉人头越 多越赚"，本质是用新钱补旧钱的庞氏骗局。 贷款诈骗：以"无抵押、秒到账"为诱饵，要求先交"手续费""保证金"，钱转过去后就失联；先给小额贷 款，再通过"违约金""逾期费"等方式让欠款滚雪球，最后逼迫借款人借更多高利贷，无法偿还，俗 称"套路贷"。 杀猪盘：通过网恋建立信任，诱导你在虚假平台"投资""赌博"，最后榨干积蓄。 冒充公检法：自称"警察""检察官"，说你涉嫌洗钱、犯罪，要求把钱转到"安全账户"。 为切实增强消费者维护自身合法权益的意识和能力，履行消费者权益保护职责，中国民生银行信用卡中 心（下称"民生信用卡中心"）在此提醒广大消费者：金融诈骗手段众多，常潜伏在你我身边，稍不注意 就可能掉进陷阱,以下常见诈骗手段和防骗要点，一定要记牢： 造成财产损失：通过虚假投资、贷款等诈骗手段骗取积蓄，造成受害者倾家荡产，甚至背负巨额债务。 扰乱金融市场：虚假投资、庞氏骗局等误导公众投资，破坏正常的金融秩序，扰乱 ...

Core Viewpoint - The upcoming National Day and Mid-Autumn Festival holidays are expected to see a rise in various financial scams, necessitating heightened vigilance among consumers [1][5]. Group 1: Types of Scams - Common scams during the holiday period include "flight cancellation" scams, "ETC" SMS scams, counterfeit ticket website scams, low-priced scenic spot ticket scams, and various online shopping scams [1][3]. - "刷单返利" (order brushing and rebate) scams are prevalent, where victims are lured into believing they can easily earn money through simple tasks, only to face frozen withdrawal amounts and demands for "unfreezing fees" [3][4]. - Scammers are also exploiting online gaming platforms, promoting fake sales of game accounts and items, leading victims to bypass official channels and ultimately lose money [3][4]. Group 2: Consumer Precautions - Consumers are advised to be cautious of suspicious low-priced hotel booking services during the holiday, as these may be traps set by scammers [4]. - It is crucial to verify the legitimacy of online shopping platforms and avoid sharing sensitive personal information, especially when encountering sites that mimic legitimate stores [4][5]. - The police emphasize the importance of not engaging with unknown sellers or clicking on unfamiliar links, particularly during the holiday season when scams are more prevalent [4][5]. Group 3: Financial Scams - Financial scams are expected to rise during the holidays, with some scams promoting "holiday exclusive" high-yield investment products that promise returns far exceeding market norms [5]. - Scammers may also impersonate banks or legitimate loan platforms, offering low-interest loans and requiring upfront fees, only to disappear after receiving the money [5]. - Consumers are urged to protect sensitive information and verify financial transactions through official channels to avoid falling victim to these scams [5].

Core Points - EU tech regulators have inquired about the measures taken by Apple, Google, and Microsoft to prevent their platforms from being exploited for financial scams, highlighting the growing concern in Europe regarding online safety and consumer protection [1] Group 1 - The inquiry reflects the European Union's increasing scrutiny of major tech companies and their responsibilities in safeguarding users from fraudulent activities [1] - The focus on financial scams indicates a broader regulatory trend aimed at enhancing accountability among technology firms operating in Europe [1] - This development may lead to stricter regulations and compliance requirements for these companies in the future [1]

专题：2025金融教育宣传周：保障金融权益 助力美好生活 基金行业在行动 相关资讯时,总是更倾向于相信自称持牌机 构"专业人士"的推荐。如果这类人士,还能提 供相应的资质证件,便能轻易地击破投资者 警惕防线 …… 他们可以，是来自"券商"的资深研究员 他们可以,是来自"基金"的专业交易的 他们可以,是来自"高校"的金融业学者 投资中,专业意味着信任与追随: 专业的投研力量能够更精准地洞察市 场趋势与机遇;专业也意味着可以捕捉 关键信息,做出前瞻决策。 在不少投资者看来,跟着来自机构的 "专家"操作,投资的制胜率自然能大 幅提升。 前提是,你所信任的"专家"真的是本 人吗? 出于对持牌机构的信任,不少投资者在搜集 放长线钓大鱼 看似权威背书的专业身份, 背后也许是不法分子粉饰犯罪事实的外衣。 李鬼"变"李逵" 县需成重灰 一方面,投资者要进行股票交易,需要在券商 开设账户,有一定的信任基础;另一方面,不 少知名券商研究员、从业者会在官网、媒体、 行业协会等公开渠道载明信息,给投资造成 "不可能是假的"的错觉。而这,却被犯罪分子 抓住了机会。 伪造证件,全套模仿 犯罪分子会全套模仿伪造券商的工作证、 营业执照、执 ...