事情得从六月的社区理财讲座说起。那天居委会的公告栏贴了张彩纸，写着 "金融知识进社区，助您财 富增值"，落款是某股份制银行。张大爷早上去取报纸时看见了，回家换了件熨平整的的确良衬衫就去 了。 "会场摆了两排花篮，水果盘堆得冒尖，" 后来他跟我复盘，语气里满是懊悔，"那客户经理比我儿子还 热情，一口一个'张叔'，说我之前存的定期利息太低，不如转成股票基金，还拿手机给我看走势图，红 箭头一路往上窜。" 我后来才知道，那所谓的 "走势图" 是截取了 2025 年春节后 AI 概念股的短期行情。农银汇理基金当时 的报告里提过，那段时间受 DeepSeek 技术突破影响，恒生科技等主线确实有一波上行，但进入七月， 市场就因政策窗口期未到、融资盘了结等因素开始震荡。可这些专业分析，没人跟张大爷讲过。 他当场就签了风险评估表。后来我在银行工作的朋友说，这种线上填写的评估往往有猫腻，有的客户经 理会暗示选项，硬生生把保守型客户改成进取型 —— 就像 82 岁的邵丽渊老人那样，明明其他银行评估 都是 R1 级，涉事银行却测出了 R4 级。张大爷的评估结果是 R3 级，刚好够买那款标注 "中高风险" 的 股票基金。 楼下便利店的 ...

Core Viewpoint - The article highlights the issues surrounding Yongkun Gold Jewelry Co., Ltd. and its online platform Yongkun Mall, where investors have reported significant withdrawal difficulties and operational irregularities, leading to concerns about potential fraud and mismanagement [1][2][3]. Group 1: Company Operations and Issues - Yongkun Mall promised annualized returns of 7% to 8% and a "capital protection" commitment, attracting numerous investors [1]. - Recently, multiple investors reported that they could not withdraw funds or redeem gold, indicating a large-scale payout anomaly [1][2]. - The Hangzhou market supervision authority has listed the operating entity of Yongkun Mall in the abnormal business operations directory due to inability to contact the registered address [1]. Group 2: Investor Experiences - One investor detailed their experience, stating they initially invested tens of thousands, which later escalated to over 1.23 billion yuan across multiple transactions, with gold prices fluctuating significantly [3]. - Attempts to contact customer service through various channels have been unsuccessful, with reports of phone lines being disconnected and customer service accounts being inactive [4][11]. Group 3: Company Background - Yongkun Holdings claims to be a comprehensive gold service provider with a registered capital of 112 million yuan, involved in various sectors including gold exploration, refining, and e-commerce [12][14]. - The company operates multiple brands and has physical stores in Hangzhou, where employees have also invested in gold products [12][16]. Group 4: Legal and Insurance Aspects - Investors discovered that the insurance policy provided by Yongkun Holdings only covers specific incidents like fire and explosion, raising concerns about the adequacy of protection for their investments [17][23]. - Legal experts warn that high-yield investment promises are often indicative of scams, and investors should be cautious of such schemes that may involve illegal fundraising practices [33].