申万宏源证券有限公司（以下称"本公司"）近期发现有人冒用本公司江西分公司名义向投资者开展非法金融活动。具体表现为：通过朋友介绍注册了 号称申万宏源证券江西分公司的会员服务网站 （ www.0598866.com、www.6253668.com），该网站盗用了本公司江西分公司有关证照信息，并有工作人 员指导进行虚假新能源期货产品投资交易，诱导投资者开户并转账，大额资金转入后便无法取现，相关活动已涉嫌诈骗。假冒网站截图如下： 二、本公司官方信息发布渠道及软件下载地址如下，请投资者务必通过公司官方渠道获取、查询本公司信息，防止上当受骗： 7、证券经纪业务对外展业信息系统和替代交易方式公示：https://www.swhysc.com/swhysc/publicChannel?channel=00010002000100080017 上述不法行为严重侵害了投资者合法权益，损害了本公司声誉，造成恶劣影响。在此，本公司郑重提示和声明如下： 一、不要添加陌生人的QQ号，加入来路不明的QQ群、微信群，不听信他人宣传通过扫码或点击链接随意下载来路不明APP或交易软件，切勿在来路 不明的App和交易软件里进行注册操作，在未确定对 ...

Group 1 - The article highlights the importance of financial education and consumer protection in the financial industry, particularly during the 2025 Financial Education Promotion Week [1] - It discusses various scams targeting consumers, including fraudulent insurance policy cancellations, illegal loan intermediaries, fake credit repair services, and illegal stock recommendations [3][4] Group 2 - The article warns consumers about the risks of engaging with third-party agents for insurance cancellations, emphasizing the need to contact official insurance company customer service [3] - It outlines the deceptive practices of illegal loan intermediaries that promise easy loans without credit checks but require upfront fees [3] - The article explains the myth of credit repair services that claim to remove negative credit records through special channels, which is not possible according to regulations [4] - It also addresses the dangers of illegal stock recommendations that lure investors with promises of insider information, leading to potential financial losses [4]

此外，以贷养贷、阴阳合同等非法"校园贷"的主要套路，也在这则风险提示中被重点介绍。 北京金融监管局特别提示，若不慎陷入非法"校园贷"困境，一定要保持冷静，及时向家长和老师说明情 况，留存借款合同、转账记录、催收信息等相关证据，并立即报警，及时依法维权。 （文章来源：新京报） 新京报贝壳财经讯（记者黄鑫宇）9月17日，国家金融监督管理总局北京监管局（即北京金融监管局） 最新一期的消费者风险提示中，揭露了当前非法"校园贷"的主要套路。 其中，被摆在首位的套路即为，不法网贷机构通过电商平台、社交平台甚至本地生活服务平台引流，给 非法"校园贷"披上"培训贷""美容贷""回租贷""刷单贷""求职贷"等形式多样的外衣，极具迷惑性。 ...

Group 1 - The core viewpoint of the articles emphasizes the importance of investor protection in the public fund industry, which is crucial for achieving high-quality development in the sector [1] - The public fund industry is entering a critical phase of deepening reform and improving efficiency, serving as a key player in capital markets and wealth management for residents [1] - The rise of illegal financial activities poses significant risks to investors, often disguised as legitimate financial services, which can lead to substantial financial losses [1][2] Group 2 - Illegal financial activities are defined as actions that violate national financial management regulations, disrupting financial order and harming investor rights [2] - These activities often present themselves with a facade of legitimacy, including high-yield investment projects, cross-border operations via online platforms, and false endorsements from government or well-known enterprises [2][3] - Investors are advised to be vigilant about five key characteristics to identify potential illegal financial activities, including checking for proper licensing, avoiding inducements of guaranteed returns, ensuring compliance in fund flows, verifying transparency in information disclosure, and being cautious of marketing methods that rely on personal networks [3][4][5] Group 3 - In case of identifying suspicious illegal financial activities, investors are encouraged to report to local law enforcement and relevant regulatory bodies to prevent further victimization [5] - The collective effort to maintain financial security and create a healthy financial environment is essential for the high-quality development of the public fund industry [5]

Core Viewpoint - The rise of illegal financial intermediaries posing as legitimate service providers has become a significant threat to financial consumers, necessitating urgent action to protect consumer rights and maintain financial order [1][2][5]. Group 1: Common Scams - The article identifies four prevalent scams perpetrated by illegal financial intermediaries, including loan intermediary scams, insurance claim fraud, credit repair lies, and malicious debt evasion tactics [2][3][4]. - Loan intermediary scams often involve promises of low-interest, unsecured loans, leading consumers to pay fees without receiving the promised funds [2]. - Insurance claim fraud involves misleading advertisements that encourage consumers to use non-official channels for claims, often resulting in identity theft [3]. - Credit repair scams claim to erase negative credit history for a fee, but typically fail to deliver on these promises [2][3]. Group 2: Money Traps - The article outlines three main tactics used by illegal financial intermediaries to exploit consumers: verbal traps, contract confusion, and information trafficking [4]. - Verbal traps leverage consumers' lack of knowledge about legitimate financial processes, using misleading language to gain trust [4]. - Contract confusion arises from hidden clauses and complex agreements that disadvantage consumers [4]. - Information trafficking involves selling personal data for illegal activities, further endangering consumers [4]. Group 3: Consumer Protection Measures - Financial consumers are advised to seek services from legitimate channels and verify the identity and qualifications of financial intermediaries through official resources [5][6]. - Consumers should be cautious of unsolicited financial offers and protect their personal information from unauthorized platforms [6]. - Regulatory bodies emphasize that legitimate financial institutions do not charge fees before loan disbursement, and any requests for upfront payments should be treated as potential scams [7].

Core Viewpoint - The article highlights the increasing complexity and severity of illegal financial activities and the measures taken by the Qingdao Financial Regulatory Bureau to combat these issues through a comprehensive and collaborative approach [2][3][4]. Group 1: Illegal Financial Activities - Illegal financial activities are becoming more diverse and sophisticated, necessitating enhanced prevention and crackdown efforts [2]. - A recent incident involved two clients attempting to invest in a suspicious financial product with a claimed annualized return four times that of bank deposits, which was flagged by bank staff as potentially fraudulent [1]. Group 2: Regulatory Measures - The Qingdao Financial Regulatory Bureau has established a "four-in-one" system for combating illegal financial activities, focusing on mechanism construction, digital empowerment, joint disposal, and educational outreach [2]. - A dedicated task force has been formed to ensure clear responsibilities and effective execution of anti-illegal financial activity measures, achieving full coverage of local leadership groups [2]. Group 3: Monitoring and Prevention - The bureau is enhancing its monitoring and early warning systems by leveraging digital technology and data analysis, screening thousands of accounts and transactions to identify potential risks [3]. - A total of 3,635 suspicious accounts and 12 million transaction records have been screened, involving approximately 8 billion yuan [3]. Group 4: Community Engagement and Education - The bureau is actively involved in local government initiatives to identify and address illegal financial activities, conducting numerous inspections and risk assessments [4]. - Educational campaigns are being implemented to raise awareness among financial consumers about risks and preventive measures, utilizing both online and offline platforms for effective outreach [4].

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][2]. Group 1: Illegal Activities - Fraudsters are luring investors with offers of free phone credits and inviting them to join a WeChat group named "Shenwan Hongyuan Internal Group" to promote illegal stock recommendations [1]. - The fraud involves the use of a fake trading app called "Shenwan e Hongfa," where scammers promise high returns and provide trading instructions, claiming to offer a "compensation agreement" for losses up to 30,000 yuan [1]. Group 2: Company Response - The company warns investors against adding unknown QQ numbers or joining suspicious groups, and advises against downloading unverified apps or engaging in financial transactions without confirming the identity of the other party [1][2]. - The company reserves the right to take legal action against any individuals or organizations impersonating it or its employees in illegal financial activities [2]. Group 3: Investor Awareness - Investors are urged to enhance their risk awareness and ability to identify fraudulent activities, and to report any suspected scams to law enforcement [2].

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 communication channels and software download links are provided to ensure investors access legitimate information and services [3][5]. Group 3: Legal Action and Awareness - The company reserves the right to take legal action against individuals or entities impersonating it and engaging in illegal financial activities, which disrupts market order and harms investor rights [3]. - Investors are urged to enhance their risk awareness and ability to identify fraudulent activities, and to report any suspected scams to law enforcement [4].

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]

Core Viewpoint - The article highlights the increasing diversity and sophistication of illegal financial activities, emphasizing the need for public awareness and preventive measures against such scams [2]. Group 1: Types of Illegal Financial Activities - Illegal financial activities encompass all unlawful financial operations, including those conducted by legitimate financial institutions and those outside the financial system [3]. - Specific forms include: 1) Illegal absorption of public deposits or disguised public deposit absorption, promising high returns and capital protection [3]. 2) Unauthorized fundraising from unspecified individuals under false pretenses, such as claiming government support or backing from well-known enterprises [3][4]. 3) Illegal loan issuance and other financial services, including unauthorized settlement, bill discounting, and trust investments [4]. 4) Fraudulent financial pyramid schemes that rely on recruiting new participants to sustain operations [4]. Group 2: Consequences of Illegal Financial Activities - Participation in these illegal activities can lead to significant economic losses for individuals, with severe cases resulting in total financial ruin, while also disrupting normal economic and financial order [5]. Group 3: Responding to Suspected Illegal Financial Activities - Upon suspecting involvement in illegal financial activities, immediate and informed action is crucial for protecting personal and others' financial safety. Recommended measures include: 1) Collecting evidence such as transaction records, contracts, promotional materials, and chat logs to substantiate claims of illegal activities [6]. 2) Reporting through designated channels, including national hotlines for illegal fundraising and financial supervision [7][8]. 3) On-site reporting to local law enforcement or financial regulatory bodies [9].