一、高额回报引诱：以"低门槛、高收益"为噱头，宣称"点赞即可日赚百元"，甚至承诺"投资返利"； 二、施以小利取信：前期按约定支付佣金，制造"可信"假象，诱导受害者追加投入； 三、制造借口拒付：以"任务未完成""系统故障""平台被攻击"等理由拖延提现，要求继续充值"解锁"资 金，最终卷款跑路。 平安人寿山东分公司：四招守住金融安全线 针对此类骗局，平安人寿山东分公司提醒公众： 近年来，随着短视频平台的蓬勃发展，不法分子将诈骗手段升级，利用"点赞赚钱"等噱头实施金融犯 罪。近期，多地出现以"短视频任务返利"为名的诈骗案件，给群众财产安全带来严重威胁。平安人寿山 东分公司结合典型案例，发布风险提示，呼吁公众提升金融风险防范意识，守护自身"钱袋子"。 案例警示：高收益背后暗藏陷阱 今年2月，张女士通过兼职群广告下载了一款"点赞赚钱"App。该平台宣称与抖音、快手合作，用户需 先购买会员卡（价格数百至数千元不等），通过点赞、关注、评论任务赚取收益，并可发展下线获取分 层奖励。张女士陆续投入近4000元后，平台于3月初突然关闭，账户资金无法提现。同样遭遇的刘先生 经朋友介绍投资2802元，承诺每日返利134元，但仅一周后 ...

经了解，程某回忆起某日曾误点一个标注 "易宝支付保险" 的匿名链接，当时未在意，直至当日查看账 户时才发现，该链接关联的保险机构已分两次从其账户划扣共计 231.6 元。"我根本没买过这个保险， 这钱扣得太蹊跷了！" 程某激动地向工作人员展示手机银行的扣款记录。 面对客户的焦虑，工作人员一边递上温水安抚："您先坐下慢慢说，我们一定尽力帮您解决。" 一边迅 速引导至柜台打印流水。在清晰的交易记录面前，扣款方 "易宝支付旗下某保险机构" 的信息明确显 现。为避免客户自行沟通时信息遗漏，工作人员当即通过官方渠道查询到该保险机构的客服专线，全程 陪同通话。 近日，建行济宁西城支行大厅内，客户程某神色慌张地冲到服务台前，声音带着明显的颤抖："我的钱 被莫名其妙扣了！你们快帮帮我！" 这一紧急情况迅速引起大堂经理的关注，一场与时间赛跑的资金挽 回行动随即展开。 "您好，客户点击链接时并未确认投保，两次扣款均非本人意愿..." 工作人员在电话中条理清晰地陈述事 实，反复强调未经客户确认的扣款违规性，最终促使客服承诺 24 小时内原路退款。第二天，程某致电 该行反馈，231.6 元已成功退回账户。 "要是没有你们帮忙，这笔钱 ...

Core Viewpoint - The article discusses a significant case of loan fraud involving a criminal gang that fabricated high-income profiles to obtain bank credit loans, resulting in over 6 million yuan in fraudulent loans and multiple convictions for loan fraud and related crimes [1][2]. Group 1: Case Details - In November 2020, a fraud gang "packaged" individuals without loan qualifications as high-income earners to secure personal credit loans from banks [2]. - The gang utilized POS machines to create fictitious transactions, allowing them to cash out the loans, with key individuals profiting from the scheme [2]. - A total of 52 individuals involved in the loan fraud chain were sentenced to prison terms ranging from 11 years to 7 months for their roles in the fraud [2]. Group 2: Financial Tracking and Analysis - The prosecution employed big data techniques to trace the flow of funds, expanding the investigation from one suspect to 37 individuals and increasing the tracked fraudulent amount from 183,000 yuan to over 6 million yuan [3]. - The investigation utilized bank loan data and POS transaction records to build a financial flow analysis model, identifying various roles in the fraud scheme [3]. Group 3: Legal Implications and Charges - The case raised legal debates regarding the classification of crimes, with the prosecution determining that the actions of certain individuals primarily involved downstream cashing out rather than direct involvement in the initial fraud [4]. - The prosecution proposed charges of illegal business operations and money laundering against key suspects, with recommendations for lighter sentences for lesser offenders [5]. - The prosecution also issued recommendations to financial institutions to improve credit loan approval processes and risk assessment mechanisms to prevent similar frauds in the future [5]. Group 4: Systematic Approach to Fraud Prevention - The article emphasizes the connection between illegal cashing out via POS machines and broader financial fraud, advocating for a comprehensive approach to tackle financial crimes through data integration and multi-dimensional analysis [5]. - The prosecution aims to shift from individual case handling to systemic governance, enhancing the effectiveness of combating financial fraud across the entire chain of criminal activities [5].

Group 1: Importance of Financial Behavior of the Elderly - The aging population in China is increasing, with 21.1% of the population aged 60 and above by 2024, and life expectancy nearing 80 years. However, the pension replacement rate is below 50%, necessitating reliance on personal savings and asset appreciation to cover 20-30 years of retirement [1][2] - The current asset structure dominated by precautionary savings and over 70% in real estate is inadequate to cope with medical inflation (approximately 8% annual growth) and long-term care costs, leading to a risk of "longevity poverty" [1][2] - The shift in traditional support systems for the elderly, influenced by urbanization and declining birth rates, is creating a more complex network of social capital for elder care [2] Group 2: Financial and Psychological Health - Financial and financial health are closely linked to the psychological well-being of the elderly in China. The life cycle theory suggests that rational decision-making regarding savings and consumption is influenced by expected lifetime income [3][6] - Studies indicate that a higher expenditure-to-income ratio increases the risk of depression among the elderly, while a higher ratio of financial assets provides protective benefits [3][4] - Economic conditions significantly affect the self-worth of older adults, with better financial status correlating with lower feelings of uselessness [3][4] Group 3: Financial Resilience and Emergency Funds - The financial resilience of the elderly needs improvement, as the probability of facing major health issues or loss of independence increases with age. Approximately 32.8% of seniors in China struggle to raise emergency funds within 30 days [6] - This figure, while better than many developing countries, still lags behind developed nations like Norway and Sweden [6] Group 4: Financial Status and Asset Allocation - The financial status of the elderly in China is characterized by a focus on precautionary savings and reliance on pensions and intergenerational transfers. However, participation in financial markets is notably low, with ownership of various financial products below 1% among those aged 60-90 [7][8] - Urban elderly have significantly higher participation rates in risk assets compared to their rural counterparts, highlighting a stark urban-rural divide [7][8] - The asset allocation is heavily concentrated in bank deposits and real estate, which, while providing psychological comfort, poses risks such as low inflation resistance and poor liquidity [9][10] Group 5: Financial Literacy and Fraud Vulnerability - Financial literacy among the elderly in China is significantly lower than in developed countries, with an average score of 0.97 out of 3 for those aged 50-70, compared to 2.16 in the U.S. [12][13] - High financial literacy may paradoxically increase the risk of fraud victimization, as those with basic financial knowledge may become targets without adequate fraud prevention education [14][15] - The phenomenon of overconfidence in financial literacy can lead to susceptibility to scams, emphasizing the need for targeted anti-fraud education alongside financial literacy training [15][16]

Core Viewpoint - The article highlights the increasing prevalence of fraudulent applications in the financial sector, emphasizing the need for enhanced regulatory measures and public awareness to combat these scams [6][7]. Group 1: Fraudulent Applications - Recent reports indicate that fraudulent applications, such as "中银会议" and "银联会议," have been used to deceive users and steal funds [3][5]. - These applications often employ a three-step scam process involving false service charges, coercion to download the app, and remote access to the victim's banking information [5]. Group 2: Regulatory Response - Financial institutions, including China UnionPay, have issued warnings about these fraudulent apps, clarifying that they are not affiliated with legitimate services [3][6]. - The article notes that over ten fund companies have issued similar warnings in the past two years, indicating a growing trend of financial fraud through fake applications [7]. Group 3: Need for Enhanced Oversight - Experts suggest that despite stricter regulations in the app market, many fraudulent apps still manage to bypass security checks due to superficial reviews [7][8]. - There is a call for comprehensive measures to improve legal frameworks, enhance regulatory scrutiny, and develop advanced detection tools to combat the proliferation of fraudulent applications [8].

Core Viewpoint - The article discusses the collapse of DGCX Xin Kang Jia, a financial platform that was involved in a Ponzi scheme, highlighting the fraudulent activities and the significant financial losses incurred by investors [1][2][28]. Group 1: Company Overview - DGCX Xin Kang Jia falsely presented itself as a branch of the Dubai Gold and Commodities Exchange (DGCX) [4][6]. - The platform had a membership base of approximately 2 million individuals [8][33]. - The company was registered in Guizhou, China, and underwent a change in legal representation, with the new owner having no actual capital contribution [10][11]. Group 2: Financial Misconduct - Prior to its collapse, DGCX Xin Kang Jia transferred approximately 1.8 billion USDT (around 12.9 billion RMB) to a shell company in the Cayman Islands within 48 hours [28][30]. - The platform's operations were characterized by deceptive practices, including fake data and manipulated investment returns [16][35]. - The platform's leadership reportedly took high commissions, with up to 50% of the funds being siphoned off, leaving little for actual returns to investors [35]. Group 3: Investor Impact - The collapse of DGCX Xin Kang Jia resulted in significant financial losses for investors, reminiscent of previous financial fraud cases in China [2][21]. - Many investors were drawn in by promises of high returns and were encouraged to recruit others, resembling a multi-level marketing scheme [25][24]. - The article notes that despite warnings and previous incidents of financial fraud, new scams continue to emerge, indicating a persistent vulnerability among investors [37][38].

Core Viewpoint - The company has identified illegal financial activities being conducted by fraudsters using its name and the name of an employee, which severely harms investor rights and the company's reputation [1][3]. Group 1: Illegal Activities - Fraudsters are contacting investors, inviting them to join a WeChat group named "申万趋势为王之门" and encouraging them to download the "密枢云" APP for illegal stock recommendations [1]. - Investors are misled into downloading a non-official trading software "申万e泓发," which claims to allow trading through an internal FICC system, but results in investors being unable to operate or withdraw their funds [1]. Group 2: Company Response - The company emphasizes the importance of not adding unknown QQ numbers or joining suspicious groups, and advises against downloading unverified apps or trading software [3][4]. - Official channels for information and software downloads are provided to help investors avoid scams, including the company's official website and customer service number [3][5]. Group 3: Legal Action and Warnings - The company reserves the right to take legal action against any individuals or institutions impersonating it or its employees in illegal financial activities [3]. - Investors are urged to enhance their risk awareness and ability to identify fraud, and to report any suspected scams to law enforcement [4].

（文章来源：经济日报） 打假的第一步，需要广大投资者不断增强自身的金融知识储备和风险防范意识。面对各种投资机会时， 要时刻保持冷静理性的头脑，不要被表面上的高收益和看似高端的专业名词所蒙蔽。投资时，要牢记一 些基本原则，比如不随意点击未知链接、不轻信来路不明的内幕信息、不轻易透露个人信息，还应仔细 核实对方身份、购买产品，认准官方购买渠道。这些看似简单的操作，能够让投资者在很大程度上避免 掉入陷阱。 打假要想彻底，还需要监管部门和金融机构协同配合。一方面，应加强对金融市场的监管，加大对非法 金融活动的监测和排查力度，一旦发现类似冒用基金公司名义等违规行为，及时采取行动，从源头上遏 制骗局蔓延。另一方面，金融机构应加强对自身品牌和声誉的保护，及时发现并向有关部门举报不法分 子的假冒行为。同时，积极开展金融知识普及活动，向社会大众广泛普及金融诈骗的常见手段和防范方 法，提高他们识破金融诈骗的能力。 面对手段不断迭代的金融诈骗，只有保持警惕、多方协作，才能守护好投资者的钱袋子，让金融市场在 安全的轨道上稳健前行。 金融诈骗又出新手段了。近期，多家基金公司密集发布公告，提醒投资者警惕以"股票知识分享""大宗 交易"等 ...

Core Viewpoint - The article highlights the increasing prevalence of illegal financial activities in China, particularly in the context of real estate and auto loans, emphasizing the need for public awareness and caution to avoid financial fraud [1][2][3]. Group 1: Illegal Financial Activities in Real Estate - The Guangzhou Intermediate People's Court reported a case involving illegal fundraising through unapproved apartment projects, resulting in losses exceeding 27.5 million yuan for 112 investors [1]. - The accused, Zhang, and his accomplices were found guilty of illegally absorbing public deposits and were sentenced to prison terms ranging from four to eight years, along with fines between 250,000 to 400,000 yuan [1]. - The court urged the public to carefully examine project credentials and ensure legal compliance before investing in apartment projects to avoid significant financial losses [2]. Group 2: Loan Fraud Cases - A separate case involved a scheme where the accused, Ji, and his accomplices fraudulently obtained loans by purchasing cars and then selling them for cash, leading to a loss of over 860,000 yuan for financial institutions [2][3]. - The court determined that the actions of the accused constituted loan fraud, with Ji receiving a two-year prison sentence and a fine of 20,000 yuan, while another accomplice received a sentence of three years and a fine of 30,000 yuan [3]. - The article warns that individuals acting as "back borrowers" in such schemes may end up with substantial debts and face criminal charges, highlighting the risks associated with such fraudulent activities [3].

Group 1 - The article highlights the importance of increasing risk awareness and the ability to identify financial fraud to protect personal finances [1] - The Guangzhou Intermediate People's Court has released two typical cases of illegal financial activities, emphasizing the need for public vigilance against financial scams [1] - In one case, the defendants illegally raised public deposits through a non-compliant apartment project, resulting in losses exceeding 27.5 million yuan for 112 investors [1] Group 2 - The rapid urbanization in China has led to increased public interest and investment in apartment projects, particularly those offering high returns through entrusted management [2] - The article warns that issues with apartment projects can lead to significant financial losses for investors, especially if funds cannot be refunded [2] - In another case, the defendants engaged in a scheme to defraud financial institutions by obtaining loans under false pretenses, resulting in a loss of over 860,000 yuan [2] Group 3 - The Guangzhou Panyu District People's Court ruled that the defendants committed loan fraud, with significant penalties imposed, including prison sentences and fines [3] - The article discusses the trend of criminals seeking "back borrowers" to exploit car loans, leading to severe consequences for those unwittingly involved [3] - The court emphasized that the actions of the defendants constituted loan fraud, highlighting the risks associated with fraudulent loan applications [3]