二、风险提示 我国实行金融业务特许经营制度，任何组织和个人未经国家金融监管部门依法许可，不得擅自从事金融 业务活动。《中华人民共和国期货和衍生品法》《中国人民银行办公厅关于黄金资产管理业务有关事项 的通知》（银办发〔2018〕215号）等相关文件已明确规定： （1）期货交易应当在依法设立的期货交易所或者国务院期货监督管理机构依法批准组织开展期货交易 的其他期货交易场所。禁止在期货交易场所之外进行期货交易。 （2）未经国务院授权的部门或者国务院期货监督管理机构依法审批设立，任何组织和场所不得开展衍 生品交易。 （3）黄金资产管理业务仅限于银行、信托、证券、基金、期货、保险资产管理机构、金融资产投资公 司等金融机构开展，其他任何组织和机构不具备该项业务资质。 近期，随着黄金价格波动，一些不法分子和不良企业假借实物黄金交易之名，违规开展"黄金委托""黄 金租赁""黄金投资"等业务，涉嫌非法集资、诈骗、赌博、非法经营等违法行为，扰乱经济金融秩序， 严重危害社会公众财产安全。 一、黄金经营领域非法案例 案例1：黄金珠宝经销商A以"黄金委托"为噱头，诱导消费者签订黄金实物购销合同，消费者购买黄金 后不提取实物，随后与第三 ...

Core Viewpoint - The article highlights the increasing risks associated with virtual currencies, particularly focusing on scams disguised as legitimate investment opportunities, emphasizing the need for heightened vigilance among investors [4][5][6]. Regulatory Environment - Recent regulatory actions in China target not just virtual currencies but also the fraudulent schemes that exploit these concepts, indicating a growing concern over illegal fundraising and scams [4][5]. - The People's Bank of China reiterated that virtual currencies do not hold the same legal status as fiat currencies and should not be circulated in the market [4]. Scam Mechanisms - Scammers are utilizing sophisticated tactics to lure investors, often presenting themselves as knowledgeable individuals in investment groups, which creates a false sense of security [5][10]. - The article describes a specific case where an individual was gradually manipulated into investing in virtual currencies through a series of seemingly legitimate interactions and small initial profits [10][13][14]. Investor Experience - The narrative illustrates how trust is built over time through consistent communication and small wins, leading to larger investments in high-risk schemes [14][22]. - The individual in the story experienced a gradual escalation from traditional stock options to cryptocurrency options, showcasing how scammers pivot their strategies to maintain engagement and investment [16][18][25]. Warning Signs - Key indicators of potential scams include the requirement to share personal investment information, the use of multiple accounts by the same scammer, and the sudden urgency to invest more during market downturns [32][34][35]. - The article emphasizes the importance of recognizing these red flags and maintaining skepticism, especially when dealing with unfamiliar investment platforms [6][40]. Conclusion - The article concludes with a cautionary note about the dangers of succumbing to greed and the importance of being aware of the risks associated with virtual currencies and investment schemes [40][41].

Core Points - East Asia Bank has issued a statement regarding fraudulent activities where individuals have impersonated the bank to deceive the public into applying for loans, damaging the bank's reputation and clients' rights [1][2] Group 1: Fraudulent Activities - Fraudsters have been using the name of East Asia Bank (China) Limited and its Shanghai branch to forge documents and misrepresent loan services [1] - The bank emphasizes that all its services are conducted through official channels and has not authorized any individuals or entities to engage in such activities [1] Group 2: Bank's Response - East Asia Bank has established a comprehensive seal management system and strictly follows approval processes for seal usage [1] - The bank disclaims any knowledge or recognition of documents or actions involving the misuse of its name or forged seals, stating that it will not bear any responsibility for losses or disputes arising from such actions [1] Group 3: Public Advisory - The bank urges the public to remain vigilant and not to trust investment or loan information from unknown sources to avoid financial losses [1] - In case of suspicious activities, the public is advised to verify information through official channels or report to law enforcement [1]

按照会议要求，央行表示，把防控风险作为金融工作的永恒主题，继续坚持对虚拟货币的禁止性政策， 持续打击虚拟货币相关非法金融活动。各单位要深化协同配合，完善监管政策和法律依据，聚焦信息 流、资金流等重点环节，加强信息共享，进一步提升监测能力，严厉打击违法犯罪活动，保护人民群众 财产安全，维护经济金融秩序稳定。 参会机构还包括，公安部、中央网信办、中央金融办、最高人民法院、最高人民检察院、国家发展改革 委、工业和信息化部、司法部、中国人民银行、国家市场监管总局、国家金融监管总局、中国证监会、 国家外汇局有关负责同志出席。 编辑：冯樱子 央行会议表示，按照2021年中国人民银行等十部门联合发布的《关于进一步防范和处置虚拟货币交易炒 作风险的通知》要求，坚决打击虚拟货币交易炒作，整顿虚拟货币乱象，取得明显成效。 值得注意的是，央行会议指出，近期，受多种因素影响，虚拟货币投机炒作有所抬头，相关违法犯罪活 动时有发生，风险防控面临新形势、新挑战。 央行会议强调，虚拟货币不具有与法定货币等同的法律地位，不具有法偿性，不应且不能作为货币在市 场上流通使用，虚拟货币相关业务活动属于非法金融活动。稳定币是虚拟货币的一种形式，目前无 ...

11月26日，中国保险行业协会在官微发布关于"安我股保"相关业务的风险提示。 中国保险行业协会表示，近期，市场上出现一家名为"安我股保"的互联网平台（及相关App账 号），该平台宣称推出名为"安我股保"的所谓"股票投资保险产品"。该平台称与知名证券公司合作，诱 导用户在指定渠道充值，由所谓的"专业策略师"统一操盘购买股票，并承诺若股票投资发生亏损，将进 行全额理赔；若盈利，则抽取一定比例作为保费。 中国保险行业协会提醒广大消费者：务必增强风险防范意识，警惕各类借用"保险"名义开展的非法 金融活动。如有保险需求，应通过合法渠道向具备正规资质的保险公司购买保险产品，以确保自身权益 不受侵害。（记者 孙榕） （责任编辑：马欣） 根据金融监管部门核实，"安我股保"并非国家金融监督管理总局批准设立的保险机构。股票投资亏 损不属于保险可承保范围，目前金融监管部门未批准或备案任何名称为"安我股保"的保险产品。该平台 相关行为涉嫌以虚假保险产品为载体，非法经营金融业务。 ...

Core Insights - The article highlights the rising trend of cryptocurrency trading among young people on social media platforms, particularly Xiaohongshu, where various posts promote trading strategies and lure inexperienced users into trading activities [1][4][5] - It discusses the tactics used by individuals and groups to attract new traders, including sharing personal success stories, selling trading tutorials, and creating job postings in the crypto space [4][5][6] - The article emphasizes the risks associated with leveraged trading and the potential for significant financial loss, especially during market downturns [10][11][12] Group 1: Cryptocurrency Trading Trends - The influx of cryptocurrency trading discussions on platforms like Xiaohongshu has created a breeding ground for inexperienced traders, with posts promising high returns from minimal investments [1][4] - Users are being drawn into trading through various methods, including the creation of engaging content and the promotion of trading strategies that appear easy to replicate [4][5][6] Group 2: Marketing and Recruitment Tactics - Many accounts on social media are sharing trading knowledge and selling tutorials, with prices ranging from 29.9 yuan to 128 yuan for virtual materials [5] - There are also job postings in the crypto sector that promise high salaries, which serve to further entice individuals into the trading ecosystem [5][6] Group 3: Risks and Regulatory Concerns - The article warns about the high risks associated with leveraged trading, particularly in volatile markets, where significant losses can occur rapidly [10][11] - It notes that the promotion of cryptocurrency trading activities is considered illegal under current regulations in China, and participants may face legal repercussions [13][14] - The ongoing crackdown by regulatory authorities aims to combat illegal financial activities related to cryptocurrency trading, emphasizing the need for stronger oversight and user education [14][15]

Core Viewpoint - The Shenzhen Special Task Force Office has issued a warning regarding illegal financial activities in the gold trading sector, highlighting the risks associated with fraudulent schemes disguised as gold investment opportunities [1][2] Summary by Sections Illegal Financial Activities - Recent fluctuations in gold prices have led to the emergence of illegal activities, including "gold entrustment," "gold leasing," and "gold investment," which may involve illegal fundraising, fraud, gambling, and other unlawful operations [1] - These activities disrupt the economic and financial order and pose significant risks to public property safety [1] Regulatory Framework - China operates under a financial business licensing system, prohibiting any organization or individual from engaging in financial activities without approval from national financial regulatory authorities [1] - Specific regulations include: - Futures trading must occur on legally established futures exchanges or other approved venues, with trading outside these venues being prohibited [1] - Only authorized financial institutions can conduct gold asset management activities, while other organizations lack the necessary qualifications [1] - Physical gold investments must be registered and custodial services are limited to financial institutions and approved gold trading venues [1] Public Awareness and Reporting - Jewelry dealers and stores are not classified as financial institutions and lack the qualifications to engage in gold asset management or public fundraising [2] - The public is urged to be vigilant and choose legitimate investment channels, avoiding misleading offers such as "guaranteed returns" and "high interest" schemes [2] - Individuals are encouraged to report any illegal financial activities related to gold investment to relevant authorities [2]

11月26日，中国保险行业协会在官微发布关于"安我股保"相关业务的风险提示。 中国保险行业协会提醒广大消费者：务必增强风险防范意识，警惕各类借用"保险"名义开展的非法 金融活动。如有保险需求，应通过合法渠道向具备正规资质的保险公司购买保险产品，以确保自身权益 不受侵害。 责任编辑：杨喜亭 中国保险行业协会表示，近期，市场上出现一家名为"安我股保"的互联网平台（及相关App账 号），该平台宣称推出名为"安我股保"的所谓"股票投资保险产品"。该平台称与知名证券公司合作，诱 导用户在指定渠道充值，由所谓的"专业策略师"统一操盘购买股票，并承诺若股票投资发生亏损，将进 行全额理赔；若盈利，则抽取一定比例作为保费。 根据金融监管部门核实，"安我股保"并非国家金融监督管理总局批准设立的保险机构。股票投资亏 损不属于保险可承保范围，目前金融监管部门未批准或备案任何名称为"安我股保"的保险产品。该平台 相关行为涉嫌以虚假保险产品为载体，非法经营金融业务。 ...

Core Viewpoint - A platform named "Anwo Gubao" claims to offer the first stock investor compensation insurance in collaboration with CITIC Securities, but it is not recognized by regulatory authorities and is operating illegally [1][3]. Group 1: Platform and Product Claims - "Anwo Gubao" promotes a service where users can recharge through specified channels, and professional strategists will manage stock purchases, promising full compensation for losses and a fee for profits [1]. - The platform is not approved by the National Financial Regulatory Authority, and stock investment losses are not insurable [1]. Group 2: Regulatory Warnings - The China Insurance Industry Association issued a risk warning, advising consumers to be cautious of illegal financial activities masquerading as insurance [3]. - Consumers are encouraged to purchase insurance products only from legitimate companies to protect their rights [3]. Group 3: Misrepresentation and Clarifications - "Anwo Gubao" is accused of misusing the name of a legitimate Hong Kong insurance company, Anwo Insurance, which has issued multiple clarifications denying any association with the fraudulent product [3]. - CITIC Securities also released a warning stating that false information is being spread about a partnership with Anwo Insurance, which does not exist [3].

Core Viewpoint - The "An Wo Gu Bao" product, marketed as the first internet insurance for stock investments, is under scrutiny for potential fraud, as it lacks regulatory approval and misrepresents its offerings [1][2]. Group 1: Product Overview - "An Wo Gu Bao" claims to provide full compensation for stock losses on the same day, with a minimum investment of 100 yuan and a minimum investment period of one trading day [1]. - The platform claims to collaborate with well-known securities firms and employs "professional strategists" to manage investments [1]. Group 2: Regulatory Response - The China Insurance Industry Association issued a warning stating that "An Wo Gu Bao" is not an approved insurance entity and that stock investment losses are not insurable [1]. - Financial regulatory authorities have confirmed that no products under the name "An Wo Gu Bao" have been approved or registered [1]. Group 3: Company Statements - CITIC Securities has issued a statement denying any collaboration with "An Wo Gu Bao" or "An Wo Insurance Co., Ltd." and refuting claims of joint financial product offerings [2]. - The China Insurance Industry Association advises consumers to be cautious of illegal financial activities masquerading as insurance and to purchase insurance products only from legitimate companies [2].