以下文章来源于桌子的生活观 ，作者桌子先生 桌子的生活观 . 三观比五官更正，思想比套路更深。著有畅销书《你只是假装很努力》、《我们终将与美好的一切相 遇》.... 作者：桌子先生 来源：桌子的生活观 如今的黄金，已经彻底疯狂。 金价突破1200元，金饰涨到吓人的1700。 ----------------------------- 01 2026开年至今，黄金涨幅已经超过30%。 全世界的人都坐不住了，全民买金蔚然成风。 连棋牌室的大姨，公园遛弯的大爷，逢人就问："现在还能买黄金吗？" 仿佛每个人都生怕错过这一轮的"财富密码"。 然而，大多数人并非真正懂，而是想借着这股东风赚一波快钱。 如果你也想加入这股炒金潮，不妨先看完下面这个新闻。 深圳水贝大家应该都知道，这是全国最大的黄金珠宝集散地。 金价暴涨，水贝该是最红火的时候。 可如今，却有无数人在此倾家荡产。 原因是十天前， 水贝（ 珠宝产业集聚区 ）十年老店杰我睿被曝爆雷。 杰我睿是干啥的呢？ 他的业务主要有两种， 第一是实物回收。 用户把黄金寄到杰我睿，它以高于市场的价格回收，直接回款。 按照黄金行情，在平台上进行涨跌博弈。 这波黄金大涨，很多用户就想卖 ...

Core Viewpoint - The recent surge in international gold prices has led to increased public interest in gold investment, but it has also attracted financial risks and scams, highlighting the need for caution among investors [1][5]. Group 1: Financial Crime Trends - The case in Puyang, Henan Province, in 2025 illustrates how gold is being used as a tool for money laundering by criminal organizations, particularly in the context of telecom fraud [3][5]. - The characteristics of gold, such as strong anonymity, stable value, and ease of circulation, make it a preferred medium for criminals to transfer illicit funds [5][7]. Group 2: Investment Scams - As gold prices rise, various "gold investment" scams have emerged, targeting individuals with limited financial knowledge, particularly the elderly and novice investors [7][8]. - Common scam tactics include fictitious gold custody services, fake trading platforms, and Ponzi schemes disguised as gold or currency trading [7][8]. Group 3: Recommendations for Investors - Investors are advised to remain vigilant and skeptical of high-return, low-risk investment promises, as these are often traps [7][8]. - It is essential for gold retailers to adhere to large transaction reporting regulations and be cautious of funds with unclear origins [7][8].

素有中国黄金（600916）集散地名号的深圳水贝近日又火了，不是因为当下金价屡创新高，而是一家叫 杰我睿的黄金预定价平台暴雷了，40倍杠杆断裂，资金链绷不住了，全国各地的投资者，被卡在提现页 面前大眼瞪小眼。 2025年9月，水贝一家叫粤宝鑫的店铺一夜关门，卷走了散户400万元黄金原料，而前不久，一家叫做杰 我睿的商铺也突然限制提现。当地有关部门发出了金银异常通报，据说涉案金额已经超过百亿。 据统计，投资者自行统计的未兑付资金超133.92亿元，覆盖广东、福建、山西等11个省份；初步实名登 记的未结算金额达2.46亿元（投资者反馈该数据偏小，因部分区域未统计、后期无法填写表格）。 单人损失普遍在数万元至数百万元，部分大额投资者账户余额超千万元（如某投资者账户有600万余额 +7800克金料，按每日500元提现需82年才能兑完）；损失类型包括充值本金、寄存实物黄金/白银、交 易利润等，且多数投资者无法提取此前购买的实物金条。 截止到现在，这场黄金对赌的全貌并未揭晓，而它所造成的影响也仍然未知。 深圳水贝黄金市场，它原来是中国最大的黄金珠宝集散地，但是这几年场内很多黄金原料交易商，都在 各自的线上平台里推出了一种 ...

金店说:"你把金子放我这,每月领高息! " 存金生息? 保本炒金? · 黄金托管骗局 （来源：泉州金融） WV 实际上 -- 没资质、假托管、借新还旧,最后 ..... 金也 没,钱也没! WM · 租赁返利骗局 · NA 买金不拿金,转手租出去? 每月返租金,到期还本金? 醒醒!这是典型的"庞氏骗局" 根本没有真金流动,全靠借新还旧的方式维持资金链! WV · 虚拟投资骗局 · 假平台、假数据、假盈利! "高回报、稳赚不赔"全是台词，后台数据随手改, 等你加码就拉闸跑路! /17/11/ NDID 名额有限，我也要赶 紧预定了。 A:老师,我要预定500g 学员B:我预定1公斤。 品C:我预定300g。 这就是"定制版杀猪盘"。高杠 杆、低门槛、群演配套、催促下 单 ... 等你钱一转,APP一关,群 散,人间蒸发! 可看资质 现 在 我 就 带 你 们识破三大高 发黄金骗局 正规实物黄金投资通常是全额交易。 如果出现"支付少量保证金即可锁定大量黄 金"、提供高倍杠杆,且交易系统不是银行 第一招 第二招 或正规交易所系统,风险极高。 可看资金流向 第三招 看资金是否转入私人账户或非监管的 第三方支付通道,而 ...

Core Viewpoint - The rise in gold prices has led to an increase in financial scams disguised as "gold investment" opportunities, prompting warnings from regulatory authorities about the associated risks [1][3]. Summary by Sections Types of Scams - Four main types of "gold investment" scams have been identified: 1. "Gold Custody Interest" scams, where fraudsters promise high fixed returns on entrusted gold without actual gold assets backing them [2]. 2. "Deferred Delivery Investment" scams, which involve fictitious gold trading to attract funds, essentially operating as a Ponzi scheme [2]. 3. Fake gold trading platform scams that mimic legitimate institutions to lure investors, subsequently manipulating market conditions and restricting withdrawals [2]. 4. "Gold Buyback/Appreciation" scams that charge high fees under the guise of buying back gold or offering value-added exchanges, ultimately disappearing with the funds [2]. Risks and Deceptive Practices - These scams primarily use "guaranteed high returns" as a bait, with a strong deceptive nature and hidden operational models [3]. - Regulatory bodies have noted that many of these schemes do not involve actual gold transactions, instead relying on the public's trust in gold as a safe asset to attract investments [3][4]. Prevention Measures - To mitigate risks, investors are advised to: 1. Abandon the illusion of "guaranteed high returns," as all investments carry risks, and high fixed return promises are often scams [4]. 2. Verify the credentials of institutions, ensuring they are licensed entities such as banks or members of the Shanghai Gold Exchange [4]. 3. Recognize the essence of transactions, avoiding any investment projects that do not involve actual gold delivery [5]. 4. Enhance financial literacy, being cautious of unfamiliar investment recommendations and verifying new investment models with regulatory authorities [5][6].

Core Viewpoint - The article discusses a fraudulent scheme involving a platform named "Mai Duo Duo" that lured investors with promises of low-priced gold, ultimately defrauding them of over 30 million yuan [7][34]. Group 1: Fraud Mechanism - The platform offered gold at prices 20 to 30 yuan lower per gram than market rates, creating an illusion of a profitable investment opportunity [1][20]. - Buyers were initially able to receive genuine gold, which built trust and encouraged further purchases [5][20]. - The platform employed a seven-day shipping policy, which delayed delivery and allowed the fraudsters to collect payments without immediate fulfillment [23][25]. Group 2: Victim Experience - Victims, including a woman named Zhang, reported being drawn in by social media posts showcasing successful purchases and low prices, leading them to invest significant amounts [3][18]. - Zhang purchased 700 grams of gold worth over 170,000 yuan but did not receive her orders, realizing she had been scammed only after others reported similar experiences [6][7]. - The scheme's design included limited purchasing opportunities, which created a sense of urgency and exclusivity among buyers [20][22]. Group 3: Criminal Operations - The platform's operations were led by individuals who were essentially "tools" for a more significant mastermind, referred to as "Cat," who orchestrated the fraud from behind the scenes [8][10]. - The legal representatives of the company, Chen and Liu, were arrested, but the mastermind remained elusive, having never revealed their true identity [10][12]. - The fraudsters managed to collect over 30 million yuan from more than 200 victims before ceasing operations [7][34]. Group 4: Legal Proceedings - The Shanghai District Prosecutor's Office has initiated legal action against Chen and Liu for their roles in the fraudulent scheme, which is classified as a significant financial crime [34]. - The investigation continues to uncover additional criminal links associated with the operation [34].

Core Viewpoint - The Shenzhen Municipal Financial Committee Office 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 Relevant Sections Illegal Activities - Recent fluctuations in gold prices have led to the emergence of illegal activities, including unauthorized "gold entrustment," "gold leasing," and "gold investment" schemes, which may involve illegal fundraising, fraud, gambling, and other unlawful behaviors [1]. - Case examples illustrate how gold jewelry dealers are misleading consumers into signing contracts that promise fixed returns without the actual transfer of physical gold [1][2]. Case Examples - Case One: A gold jewelry dealer (A) lured consumers into signing a physical gold purchase contract, then encouraged them to enter into a gold entrustment contract with a related third party (B), promising fixed returns [1]. - Case Two: Another dealer (C) used a similar tactic with "gold leasing," where consumers were misled into signing contracts that promised rental returns without actual gold possession [1]. - Case Three: A dealer (D) established an illegal gold trading app, promoting misleading offers such as "1,000 grams of gold for a 10,000 yuan deposit," with a high leverage ratio, exposing investors to significant risks [2]. Regulatory Warning - The warning emphasizes that gold jewelry dealers and stores are not financial institutions and lack the necessary licenses from national financial management authorities to engage in gold asset management or public fundraising activities [2]. - The public is urged to be vigilant and to avoid falling for enticing phrases like "guaranteed returns" and "low investment, high returns," which are often associated with illegal financial activities in the gold investment sector [2].

Core Viewpoint - The rise in gold prices has led to an increase in new types of scams, particularly involving "mailing gold" schemes, where fraudsters pose as investment experts to lure victims into purchasing gold under false pretenses [1][3]. Group 1: Scam Mechanism - In these scams, victims are often contacted online and enticed by promises of high returns through gold investments, with some being misled by claims of cashback or investment training [3]. - Once the gold is mailed to a specified address, the scammers immediately cut off communication, leaving victims unable to recover their losses [3][4]. - The scams exploit the perception of gold as a stable investment, making it easier for fraudsters to deceive individuals with low risk awareness [3][4]. Group 2: Financial and Social Implications - These gold investment scams not only result in financial losses for victims but also pose money laundering risks, as fraudsters use gold transactions to evade banking regulations [4]. - The psychological tactics employed in these scams create a false sense of security for victims, as the tangible nature of gold is perceived as a more legitimate investment compared to electronic transfers [4]. - The ongoing rise in international gold prices since 2025 has made gold investment a popular topic, further attracting potential victims to these fraudulent schemes [3][4].

Core Viewpoint - The surge in gold investment interest has led to an increase in related fraud cases across multiple regions in China, prompting government warnings about the high incidence of gold investment scams [1] Group 1: Fraud Cases - Recent reports indicate a rise in gold-related fraud cases in various regions, including Beijing, Jiangxi, and Hunan [1] - Local governments have issued risk alerts, highlighting the prevalence of gold investment scams [1] Group 2: Types of Scams - The article outlines the three most rampant types of gold scams currently affecting investors [1]

Core Viewpoint - The article highlights the rise of gold investment scams in 2025, as the international gold price continues to increase, leading to heightened public interest in gold investments. Criminals exploit this trend by promoting fraudulent schemes under the guise of "gold preservation," resulting in significant financial losses for victims. Local governments in Beijing, Jiangsu, and Jiangxi have issued warnings to the public to remain vigilant against illegal financial activities [1]. Group 1: Typical Methods of "Gold Investment" Scams - "Storage Gold Interest" Scam: Jewelry stores lure consumers by promising high monthly interest rates (0.5%-1%) for purchasing gold without taking physical possession. A case from 2015-2022 involved a company illegally raising 400 million yuan, leading to over 200 million yuan in losses [2]. - "Leasing Rebate" Scam: Consumers enter into fictitious leasing contracts with associated companies, expecting rental returns. This scheme relies on a Ponzi structure, with no real gold transactions taking place [3]. - "Virtual Investment" Scam: Fraudsters create fake gold trading platforms, promising high returns and manipulating data to create a false sense of profit. Victims often find themselves unable to withdraw funds after investing [4]. Group 2: Main Characteristics of "Gold Investment" Scams - High Returns Temptation: Scams promise "capital protection and high interest" with returns significantly exceeding traditional bank investment products [5]. - False Projects: Scammers fabricate "gold custody" and "gold investment" projects, exaggerating their operational capabilities to create a façade of legitimacy [6]. - Concealed Fund Operations: Funds are not managed in designated accounts and lack regulatory oversight, often diverted for personal use in real estate or securities [6]. - New Funds for Old Payments: These scams depend on incoming funds to pay earlier investors, leading to collapse once the funding chain breaks [7]. Group 3: Risk Warnings and Prevention Suggestions - Recognize Legal Channels: Legitimate gold investment methods include purchasing physical gold from authorized stores or banks, investing in gold accumulation products, gold ETFs, or futures contracts through regulated channels [8]. - Verify Qualifications: Investors should check the credentials of institutions through official channels to ensure they have the necessary financial licenses [9]. - Resist High-Interest Temptations: Investors should be cautious of promises of guaranteed returns and avoid unsolicited investment opportunities [9]. - Protect Personal Information: Individuals should safeguard sensitive information and consult with family before making investment decisions [10].