活动中，工作人员为居民发放了防非、理性投资主题宣传材料，引导大家谨慎参与投资、合理配置资 产，切勿轻信"低风险高收益"的虚假宣传，号召大家共同抵制非法集资行为，守护好自己和身边人 的"钱袋子"。居民们认真聆听讲座，并就生活中遇到的各类金融和投资问题进行咨询，工作人员一一耐 心解答，现场互动热烈，取得了良好的宣传效果。 下一步，工银瑞信投教基地将继续积极践行社会责任，深入推进"守住钱袋子，过好幸福年"防非宣传工 作，持续把金融安全知识送到居民身边。我们将弘扬理性投资、长期投资、价值投资的科学理念，筑牢 社区金融安全防线，守护居民平安祥和过大年。 来源：工银瑞信投教研习社 岁末年初，既是阖家团圆的温馨时刻，也是非法集资、金融诈骗的高发期。为守护社区居民的"钱袋 子"，筑牢金融安全防线，工银瑞信投教基地于2月3日走进建欣苑社区，开展了"年末防骗不松懈，金融 知识进万家"主题投教讲座，让金融安全知识扎根社区、惠及邻里。 活动现场，投教基地讲师以图文并茂的课件为载体，结合年底高发的新型非法集资典型案例，为居民们 拆解了不法分子的常见套路。讲师提醒大家，要警惕以"邮寄不明快递、礼品卡""通知车票改签""积分 兑换""高息 ...

Core Viewpoint - The "Xuesong case" has concluded with the sentencing of Zhang Jin, the actual controller of Xuesong Holdings, to life imprisonment, and the company fined 1.1 billion yuan [1][20]. Group 1: Legal Consequences - Xuesong Holdings was fined 1.1 billion yuan, and Zhang Jin was sentenced to life imprisonment with all personal assets confiscated [1][20]. - Seven other executives received prison sentences ranging from 3.5 to 15 years and were ordered to return illegal gains, with fines between 150,000 to 1.1 million yuan each [2][21]. - The court found that Xuesong Holdings had engaged in fraudulent activities, including asset fabrication and contract forgery, leading to significant financial losses for investors [3][22]. Group 2: Company Background and Operations - Xuesong Holdings, established in Guangzhou, has been described as a mysterious entity with a complex business model involving real estate, property, cultural tourism, and bulk commodities, yet each segment showed modest performance [10][27]. - The company entered the Fortune Global 500 list in 2018 with revenues of $32.7 billion, ranking 361st, and continued to appear on the list for three consecutive years [10][28]. - The firm aggressively marketed financial products, issuing 1,490 investment products and over 350 trust products, promising high returns of up to 12% annually, which attracted significant investor interest [11][28]. Group 3: Financial Misconduct - The underlying assets of the financial products were largely fabricated, with over 60 affiliated companies created to support fraudulent claims [12][29]. - By early 2022, the company's financial schemes collapsed, leaving approximately 6,800 investors with nearly 20 billion yuan in unpaid funds [12][30]. - Investigations revealed that Zhang Jin misappropriated funds for personal luxuries, including gold, art, and real estate in the U.S., with a hidden fund of 8.4 billion yuan under his control [14][30]. Group 4: Investor Impact - The court proceedings indicated that the asset liquidation rate for investors might be as low as 3%, suggesting that most investors would lose their entire investments [15][30]. - The case serves as a stark reminder of the risks associated with high-yield financial products, particularly those promising returns significantly above government bond rates [17][31].

本报记者 罗阳奇 新春将至，消费和资金往来频繁，针对老年人的金融诈骗案件也进入高发期。当前有哪些典型的诈骗案 例？如何识别花样百出的诈骗套路，保护好老年人的"钱袋子"？ 稳赚不赔是幌子，暴利诱惑套本金 安徽合肥市民李大爷以"装修新房"为由，在银行预约取现13万元。然而，不到半个小时，合肥市公安局 滨湖派出所的民警便找上了门。 面对民警问询，李大爷却有点不理解："我自己取钱用来装修，为啥要管？"可嘴上说是用来装修，李大 爷却回答不出来准备装修哪里的房子。民警又联系了他的女儿，女儿表示对父亲取款的事情毫不知情， 而且近期家里也没有要装修的房子。 临近年关，针对老年人的金融诈骗案件增多 手机不是"提款机" 这些套路要看清(服务窗) 再三追问下，李大爷终于道出实情——他准备把这笔钱投入一个"高收益投资项目"。此前，李大爷经人 介绍接触到这个"机会"，对方声称保证能赚大钱，李大爷信以为真。由于不熟悉智能手机的操作，他去 银行取款13万元，再加上家里的7万元现金，打算把这20万元一起交给对方代为操作。 "这是典型的诈骗，钱进去就出不来了！"民警说。可李大爷不愿相信，反复说肯定能赚钱，还给民警展 示了APP里的每日进账流水 ...

（来源：千龙网） 深圳水贝商家杰我睿珠宝有限公司（以下简称"杰我睿"）爆雷事件仍在持续发酵。多位杰我睿消费者告 诉新京报记者，其在杰我睿上"存"的黄金无法拿回。 据记者了解，消费者中的"存金"业务，是杰我睿平台上的"寄卖通单"业务中的"寄存"业务。消费者把自 己的黄金通过快递寄给平台，平台则按照收到快递时的黄金回收价格进行收购，80%的资金返还给消费 者，还有20%当作押金放在平台上。黄金名义上属于消费者，消费者可在任何时间选择卖掉或赎回。 "这很像抵押贷款和典当业务的杂糅，可能涉嫌非法融资。"一位金融业内人士表示，看似是消费者获得 便利，实则是商家免费使用了消费者的黄金。但从当前无法兑付黄金的情况来看，这批黄金的去向成 谜。 此外，多位杰我睿消费者还透露，充值时是向杰我睿员工的私人支付宝账号进行打款。 陈女士所说的"寄存"，是杰我睿的"寄卖通单"主要业务之一。根据杰我睿《贵金属寄存服务协议》，消 费者寄存时按实时回收价出售，并只能拿到80%的款项。而消费者可以决定何时以市场价出售或按照寄 存时的回收价赎回。但若黄金价格不足下单时总价值的85%，杰我睿将强制平仓。这单业务结束时，结 余资金将返还消费者。 杰我 ...

Core Viewpoint - Zhongshan Securities, a subsidiary of Jindong Co., is embroiled in a legal dispute involving approximately 490 million yuan, stemming from a financial fraud case that began 12 years ago [1][8]. Group 1: Lawsuit Details - The lawsuit was initiated by China Everbright Bank's Changchun branch against five defendants, including Zhongshan Securities, for tort liability [2][8]. - The case traces back to 2013 when Liu Xiaoyi, the legal representative of Liuhe Juxinyuan Rice Industry Co., misrepresented the company's financial status to secure a loan of 350 million yuan [3][4]. Group 2: Fraud Mechanism - Liu Xiaoyi collaborated with Zhang Lei, an assistant manager at Everbright Bank, to fabricate financial documents and mislead the bank into approving the loan [3][4]. - The fraudulent scheme involved a complex flow of funds, where Everbright Bank deposited 350 million yuan into China Merchants Bank, which was then transferred through Zhongshan Securities to Ping An Bank, ultimately reaching Liu's company [4][6]. Group 3: Legal Proceedings - After the fraud was uncovered in 2014, criminal charges were filed against Liu and Zhang, resulting in severe penalties, but only a small portion of the embezzled funds was recovered [6][7]. - In 2015, Everbright Bank filed a civil lawsuit against China Merchants Bank to recover the funds, but the Supreme Court ruled that the original agreement was invalid due to its fraudulent nature [7][8]. Group 4: Current Developments - In 2026, Everbright Bank reinitiated legal action, this time claiming tort liability and seeking a total of 489 million yuan, including principal and interest [8]. - The outcome of this case remains uncertain, with questions surrounding the liability of the involved banks and the potential for Everbright Bank to recover its losses from a decade-old fraud [9].

Core Viewpoint - A significant case of suspected fraudulent checks has emerged in Hong Kong, involving a request to withdraw $10 billion, raising concerns about the frequency of such incidents in the region [1][3][4]. Group 1: Incident Details - On January 27, a bank employee in Hong Kong reported suspicions of receiving a fake check for $10 billion (approximately 78 billion HKD) [1][3]. - The police arrested four individuals involved in the case: two foreign women aged 23 and 60, a 66-year-old man from mainland China, and a 77-year-old local man [4][6]. - The case has been assigned to the first team of the Western District Criminal Investigation Unit for further investigation [4][6]. Group 2: Related Incidents - There has been a noted increase in similar fraudulent cases in Hong Kong, with another incident reported on January 8, where a woman attempted to withdraw 16 billion euros using a suspected fake remittance slip [6]. - The individual involved in the January 8 case was a 65-year-old woman from mainland China, who was also arrested for "using false documents" [6].

历经多年，一桩涉及多家银行的3.5亿诈骗案迎来最新进展！ 近日，锦龙股份披露，其子公司中山证券收到一份《应诉通知书》，其中显示，光大银行长 春分行作为原告，向中山证券、招商银行无锡分行、平安银行深圳分行、深圳国民基金等五 名被告要求连带赔偿3.5亿元本金，以及1.394亿元资金占用费，涉案金额高达4.89亿元。 5月30日，光大银行长春分行以同业存款形式向招商银行无锡分行存入3.5亿元。招商银行无 锡分行根据与光大银行长春分行签订的《委托定向投资协议》及《投资指令》、与中山证券 事实上，上述案件已历经多次开庭审理，甚至已达最高人民法院，至今仍未尘埃落定。而此 案的背后，是一名公司法人与银行职员"里应外合"，通过虚假材料等制造的一场刑事案件。 公司法人"精心策划"3.5亿诈骗案，行长助理擅自修改财报数据 回溯过往，上述案件的开端，始于柳河聚鑫源米业有限公司（以下简称 "聚鑫源公司"）及 其法定代表人刘某某。相关判决书显示，2013年下半年，刘某某通过他人介绍，认识了时任 光大银行长春分行汽车厂支行行长助理的张某。 而后，刘某某以聚鑫源公司需购粮资金等为由，隐瞒该公司具有巨额债务需要偿还及其本人 炒作期货的事实， ...

近期，深圳市红筹投资有限公司、海南世纪前沿私募基金管理有限公司等私募投资机构接到群众反映， 称有不法分子利用其名义进行荐股、配资、非法投资、诈骗、诱导下载不明软件等违法违规活动。 （文章来源：证券时报网） "人民鉴真"资本市场信息服务平台经与上述机构求证获悉，其机构和所有工作人员从未开展、亦从未授 权任何第三方机构或个人开展任何荐股或操作指导等业务；请广大投资者务必提高警惕，切勿轻信此类 非法宣传，切勿下载任何非正常渠道提供的投资交易软件，以免遭受损失。 ...

近期，深圳市红筹投资有限公司、海南世纪前沿私募基金管理有限公司等私募投资机构接到群众反映， 称有不法分子利用其名义进行荐股、配资、非法投资、诈骗、诱导下载不明软件等违法违规活动。 "人民鉴真"资本市场信息服务平台经与上述机构求证获悉，其机构和所有工作人员从未开展、亦从未授 权任何第三方机构或个人开展任何荐股或操作指导等业务；请广大投资者务必提高警惕，切勿轻信此类 非法宣传，切勿下载任何非正常渠道提供的投资交易软件，以免遭受损失。 ...

Group 1 - The article highlights the increasing sophistication of financial scams, with new methods that exploit consumer psychology, such as greed for high returns and blind trust in formal processes [1][2] - Recent scams include the "Teddy Bear Gold" scheme, where victims are misled into hiding gold in everyday items, and a fake online loan scam that quickly defrauded a victim of 980,000 yuan [1][2] - The upcoming implementation of the "Product Suitability Management Measures" aims to enhance consumer protection by ensuring financial institutions assess clients' risk tolerance before selling high-risk products [3] Group 2 - The new regulations require financial institutions to conduct risk assessments and provide special obligations for elderly clients, thereby reducing the risk of mis-selling [3][7] - Insurance products are being developed to provide coverage against various financial frauds, including telecom and online scams, as well as comprehensive home insurance to protect against multiple risks [4][5][6] - Companies are encouraged to offer tailored insurance solutions that align with consumers' actual needs and financial capabilities, ensuring adequate protection without over-insurance [7] Group 3 - Consumers are advised to avoid off-market transactions and only engage with licensed financial institutions to mitigate the risk of scams [9] - It is recommended that consumers actively request risk assessments when purchasing financial products and report any misleading sales practices to regulatory authorities [9] - A balanced insurance portfolio is suggested, combining home and accident insurance with fraud protection to create a comprehensive safety net [9]