21世纪经济报道记者 张欣 春节临近，居民消费、年终理财、出行需求集中释放，涉财诈骗也进入高发期。 近日，21世纪经济报道记者从山西省防范和打击非法集资相关部门、杭银消费金融、工商银行等机构获悉，除传统骗局外，近 期涌现出"节日专属理财""虚假红包积分""年货退款理赔"等多类新型骗局，迷惑性更强、手法更隐蔽，给民众财产安全带来威 胁。 21世纪经济报道记者综合上述部门和机构的提示，梳理出常见的新型高发涉诈骗局，提醒广大民众提高警惕、谨防上当： 一、"节日专属"高息理财陷阱 不法分子利用民众年终结余资金寻求增值的心理，以"新年专享理财""春节感恩高返利"等为诱饵，承诺"保本高息""节前小额投 入、节后高额回报"。为增强欺骗性，其通过仿冒银行、证券公司官方App界面制作虚假链接或二维码，诱导下载并使用所谓"内 部专属通道"，最终引导受害者将资金转入私人或境外账户，得手后即刻失联。 （工行提供的部分春节常见反诈科普图） 常见诈骗话术示例： "春节特供！内部渠道，7天收益 30%!""稳赚数字货币/黄金期货，名师带单！" "博彩平台漏洞，押注必中！今晚最后一期，速来！" 提示：正规金融机构不会推出"保本高息""短期高 ...

文末有抽奖赠书福利 你是不是也这样？刷着金价创新高的新闻，既兴奋又害怕，想进场又怕被套在山顶，总觉得别人都赚到了，就自己还在犹豫不决。 但上周，金价从每克近1250元的高位，回落到了1050元附近，近期更是持续波动。手机里，之前还在欢呼"黄金暴富"的群聊，瞬间被"是不是该跑了?""现 在能抄底吗?"的焦虑刷屏。很多人心痒痒的，又十分担忧。 这场景太熟悉了。每一次暴涨暴跌，都让无数人心态坐过山车——高位时贪婪追涨，跌了又恐惧割肉。我们似乎总在循环同一种情绪。 我们是不是在反复为"感觉"买单，而不是为"认知"投资？ 我们关注一时的涨跌，却不懂黄金为什么涨、会涨到哪、哪种方式真正适合自己、下跌了又该 怎么办。 去年，就有朋友在暴富故事的刺激下冲动买了金条，结果金价横盘半年，他天天焦虑，最后刚回本就卖了。一卖掉，金价又涨了。他懊恼地说："我纯粹 是被自己的情绪收割了。" ● 以为买金首饰就是投资，却没算过高昂的工费在回收时一文不值，买的更多是工艺，而非纯资产。 换一个角度看，这次回调，根本不是纯粹的灾难，而是市场赐予普通人的一次"最佳学习窗口期"。 它强行按下了暂停键，让我们能在喧嚣暂歇时，把追涨杀跌的精力，用来真正 ...

02 大发展 龙 加 龙 )龙嘉珠 B 貿备用全球 本册_传 STOP P TH THE PART PRODUCE 上图这位赤裸上身、带着十几根大金链的土豪，名叫张志腾，是深圳水贝黄金市场"杰我睿珠宝有限公司"的创始人。 众所周知，水贝是我国最重要的珠宝产业集散地之一，至少聚集了5000多家从事珠宝制造、批发、零售的企业，尤其在黄金方面，"水贝金价"成为判断黄金 走势的重要指标之一。 那么作为公司创始人，张志腾该如何让自己的"杰我睿"从水贝激烈的竞争中脱颖而出呢？ 他想到了借用互联网的力量。比如，在小红书上，他开设了一个名为"杰我睿阿腾"的账号，平日除了分享对黄金走势的判断，与回收、零售黄金的小故事 外，最重要的作用是炫富，有意无意地晒出与其他人交易单据、聊天记录，每一笔交易百万起步，动不动就能挣个一两千万。 凭借搏人眼球的内容，杰我睿迅速俘获了一大批粉丝，张志腾乘势而上，分别开设了"杰我睿""龙冶金""金城金世界"三个小程序。 后两个小程序从事的业务比较单一，"龙冶金"是打首饰的，"金城金世界"是卖首饰的，但"杰我睿"就复杂了，它是一个融合了类似于期货、典当、实物金存 储于一体的交易平台。 吊诡的是，这段时 ...

Core Viewpoint - Shenzhen Jinyafu Holdings Group Co., Ltd. is facing significant scrutiny due to delayed redemption of its gold financial products, raising concerns in the market about its financial stability and operational integrity [1][3]. Group 1: Company Overview - Jinyafu Holdings has been in the gold industry for over 20 years and is ranked among China's top 500 enterprises [1]. - The company has recently established a new entity, Shenzhen Dui Jintong Technology Co., Ltd., which focuses on intelligent gold recycling services [1]. Group 2: Financial Issues - The exact scale of funds involved in the "Jinyafu explosion" incident remains unclear, with industry insiders indicating that such financial mishaps are not uncommon in the gold investment sector [3]. - Jinyafu Holdings has been expanding into real estate, which raises questions about potential misallocation of funds from its gold investment products [3][4]. Group 3: Asset Management - The company has been involved in various real estate projects, including the renovation of cultural industry parks in Shenzhen, but has faced issues such as overdue rent payments [4][5]. - The "Shenzhen Modern Industry Service Center" is one of the properties associated with Jinyafu, but it has been revealed that the company is merely a tenant rather than the owner [5]. Group 4: Redemption Plans - Jinyafu Holdings has proposed a replacement scheme for investors, allowing them to exchange their financial products for franchise rights in the "Smart Gold Store" business, which is seen as a potential avenue for recovering investments [6][7]. - The replacement plan includes a three-year franchise agreement with estimated returns based on gold recycling services, with specific financial details outlined for potential investors [7]. Group 5: Operational Status - Despite the financial turmoil, the "Smart Gold Store" business appears to be operational, with ongoing franchise opportunities being offered [6][9]. - Employees and management have expressed optimism about the company's future, emphasizing the importance of collaboration among investors to navigate the current challenges [10][11].

Core Viewpoint - The collapse of Shenzhen Jinyafu serves as a stark warning to investors who blindly trust gold investment products, revealing the risks associated with such financial schemes [1][6]. Group 1: Company Overview - Shenzhen Jinyafu, active in the gold and jewelry industry since 2006, initially gained investor trust through attractive promises of high returns and a seemingly stable investment model [1][2]. - The company offered gold investment products with annual returns as high as 8% through its affiliate, Shenzhen Boyao, which was later revealed to have significant overlaps in management and ownership with Jinyafu [2][3]. Group 2: Investment Risks - Many investors, lured by the promise of gold's stability, invested substantial amounts, with one individual reportedly investing over 7 million yuan, only to find their investments unrecoverable as the company ceased operations [1][2]. - The investment contracts promised returns and physical gold, but investigations revealed that the actual gold was often non-existent, and funds were mismanaged, leading to a Ponzi-like scheme [2][5]. Group 3: Regulatory Response - The local government and police have intervened, initiating asset investigations and regulatory oversight, but the effectiveness of these measures remains questionable as investors continue to face significant losses [3][6]. - The incident has prompted discussions about the need for better regulatory frameworks to prevent similar occurrences in the future, highlighting the importance of investor vigilance and due diligence [3][8]. Group 4: Lessons for Investors - The Jinyafu case emphasizes the necessity for investors to thoroughly understand the operational mechanisms behind investment products and to verify the existence of physical assets before committing funds [6][8]. - Investors are urged to remain cautious and not be swayed by high returns, as the allure of quick profits can lead to devastating financial consequences [8].

Core Viewpoint - Shenzhen Jinyafu Holdings Group Co., Ltd. is facing significant financial distress as its gold investment products have defaulted on payments, despite rising international gold prices [2][3]. Group 1: Company Financial Issues - Investors have reported widespread delays in the redemption of gold investment products since November, with the company unable to provide a clear timeline for repayment [2][3]. - The total scale of funds involved in the Jinyafu situation is still unknown, but estimates suggest it could be between 7 billion to 8 billion yuan [3]. - The company is currently under investigation by local financial authorities, and its chairman is reportedly in Hong Kong while other executives have been detained [3]. Group 2: Investor Relations - Many investors, including those from various provinces such as Jilin, Hubei, and Jiangsu, were attracted to Jinyafu's products due to promised annual returns of 8% to 10% [6]. - Contracts signed by investors often lacked transparency regarding risks, with some investors unaware of the potential for default [6][7]. - Affected investors have begun filing complaints with government authorities, seeking redress for their losses [22]. Group 3: Operational Status - Despite the financial turmoil, some Jinyafu retail locations continue to operate, and employees are reportedly still receiving salaries [3]. - However, investigations revealed that many of the company's offices are now vacant, and construction projects have stalled due to lack of funding [4][19]. - The company has proposed various solutions to investors, including converting investment products into equity in a subsidiary, but these have largely been rejected [23].

Core Insights - The international gold price surged from approximately $2600 per ounce at the beginning of 2025 to around $4100 per ounce by November, marking a nearly 60% increase and setting 47 historical highs [1] - Experts at the 21st Century Financial Annual Conference emphasized the importance of incorporating gold into asset allocation frameworks and shifting from short-term trading to long-term planning [1] Group 1: Macro Drivers of Gold Prices - The current rise in gold prices is supported by two main factors: increased global central bank gold purchases and growth in gold ETF holdings [2] - Global central bank gold purchases have increased for 13 consecutive years, with a significant surge in 2022-2024, totaling 634 tons in the first three quarters of 2025 [2] - As of the third quarter of 2025, global gold ETF holdings increased by 619 tons, setting a historical record and contributing significantly to the rise in gold prices [2] - The macroeconomic environment indicates a transition from high interest rates to a potential rate cut in the U.S., alongside inflation pressures and risks to U.S. debt purchasing power, highlighting gold's value as a "hard currency" [2] Group 2: Investment Tools and Strategies - Gold ETFs are recognized as a convenient investment tool, with the Huaan Gold ETF holding approximately 99 tons as of November 2025 [3] - The advantages of gold ETFs include close tracking of spot gold prices and transparent fees, but they also exhibit high volatility, requiring investors to have strong market judgment [3] - Innovative multi-asset strategies, such as those offered by banks, provide diversified investment options beyond single gold assets, like the "Stable Gold" series from Zhao Yin Wealth Management [4] - The "Stable Gold" product combines bonds, gold, and quantitative neutral strategies to hedge risks and enhance return stability, catering to investors seeking lower-risk multi-asset portfolios [4] Group 3: "Gold+" Asset Allocation Concept - The "Gold+" asset allocation concept is gaining traction, defined as multi-asset portfolios that allocate 5% to 10% (and in some cases up to 30%) of gold [5] - The core value of "Gold+" lies in leveraging gold's stability to enhance overall portfolio resilience and risk management [6] - Historical data shows that gold often performs well during corrections in traditional stock-bond portfolios, providing effective risk buffering for investors [6] Group 4: Common Questions on Gold Investment Services - Experts suggest that investing in gold is always timely, advocating for gold to be included as a foundational asset rather than focusing on short-term entry points [7] - The choice between directly buying ETFs or opting for "Gold+" investment services depends on individual risk tolerance and expertise, with ETFs being suitable for experienced investors [8] - Recommendations indicate that gold should constitute 5% to 20% of an overall asset portfolio, with a gradual investment approach being more prudent [8] - The "Gold+" strategy enhances portfolio safety due to gold's low correlation with traditional assets, effectively reducing overall asset volatility [8]

Core Insights - The article highlights a significant financial crisis faced by the gold giant, Jinya Fu, which has led to product redemption issues for investors [1] - Despite a booming gold market, with prices exceeding $4,450 per ounce, Jinya Fu, a company with annual revenues exceeding 50 billion yuan, is experiencing severe operational challenges [1] Company Overview - Jinya Fu Holdings Group Co., Ltd. has been a major player in the gold industry, with a revenue exceeding 50 billion yuan [1] - The company operates through its subsidiary, Shenzhen Jinya Fu Jewelry Manufacturing Co., Ltd., which has recently faced product redemption failures [1] Investor Impact - Numerous investors have reported being unable to redeem financial products purchased from Jinya Fu, with some individual investments reaching hundreds of thousands of yuan [1] - An estimated 4,000 investors are affected, primarily consisting of middle-aged and elderly individuals with low risk tolerance [1] Product Details - The "Cultural Gold" financial product offered by Jinya Fu promised fixed annual returns of 8% to 14%, independent of gold price fluctuations, and was marketed as a safe investment [1] - The product was designed to be stored securely in bank facilities, enhancing its appeal to investors seeking reliable returns [1]

Core Insights - Young people are increasingly investing in gold as a means of financial security rather than for speculative purposes, with 88.4% having purchased gold at some point [6][8][9] - The trend reflects a shift from traditional assets to a more flexible lifestyle, with gold becoming a standard part of financial planning for the younger generation [3][5] Group 1: Investment Trends - 88.4% of young people have bought gold, indicating a strong trend towards gold investment among this demographic [6][8] - The preference for gold is driven by a desire for security in an uncertain economic environment, with many viewing it as a safety net [9][10] - Freelancers show a particularly high interest in gold, with a 100% purchase rate, highlighting a shift towards self-reliance in financial security [12] Group 2: Demographic Insights - The survey included 911 participants, with a majority being female (70.1%) and a significant portion being post-95s (39.2%) [3][4] - Married individuals exhibit a higher propensity to invest in gold, with 98.1% of married young people having purchased gold compared to 74.5% of single individuals [17][19] Group 3: Purchasing Behavior - 54.5% of young people buy gold for investment purposes, while 45.5% purchase it for wearing, indicating a dual approach to gold as both an asset and a fashion statement [22][23] - The buying habits vary, with over 60% of those purchasing for fashion doing so impulsively, while investment-focused buyers tend to monitor gold prices closely [25][26] Group 4: Buying Channels - Online platforms, particularly Alipay, are the preferred channels for purchasing gold, with 73% of young people valuing convenience and 66.7% trusting the platform's reliability [61][62] - Alipay and bank apps dominate the online gold purchasing landscape, each accounting for 47.4% of transactions [55][59] Group 5: Investment Philosophy - Young investors prioritize gold purity and market price, with 85.76% emphasizing gold content as the most critical factor in their purchasing decisions [44][45] - The focus on quality over brand reputation reflects a pragmatic approach to gold investment, with young people seeking value and assurance in their purchases [46][47]

Group 1 - The core viewpoint of the article highlights the significant rise in gold prices, reaching a historical high, which has led to increased prices for gold jewelry, particularly impacting young consumers who view gold purchases as a form of investment [1] - Gold prices have surged since the beginning of the year, with some gold jewelry items, such as a specific necklace, increasing in price from 15,000 yuan to 30,000 yuan, effectively doubling in value [1] - Sales personnel in the jewelry market have noted that price adjustments have occurred multiple times, indicating a volatile pricing environment for gold jewelry [1] Group 2 - The trend of purchasing gold jewelry as a financial strategy among young people is becoming more prevalent, suggesting a shift in consumer behavior towards viewing gold as an investment rather than just a luxury item [1] - The article emphasizes that the price adjustments are not isolated incidents but part of a broader trend in the gold market, reflecting the ongoing demand and market dynamics [1]