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华泰人寿山东分公司2025年金融教育宣传周之守护您的“钱袋子”,消费反欺诈指南——识陷阱、懂维权、防风险
Qi Lu Wan Bao· 2025-09-17 05:19
Core Viewpoint - The rapid development of the digital economy has led to an increase in various consumer fraud schemes, which have infiltrated multiple sectors including shopping, dining, and elder care, necessitating heightened consumer vigilance and protective measures [1] Group 1: High-Frequency Consumer Fraud Tactics - "Windfall" inducements through mobile lottery and false promotions are prevalent, with a notable case where a mobile lottery scheme generated transaction volumes of up to 2 billion yuan in a single day [2] - "Health anxiety" exploitation through misleading claims about food and health products targeting the elderly, with potential penalties for violations of advertising laws reaching up to 2 million yuan [4] - "Safety hazard" fraud involving substandard products masquerading as quality goods, such as recycled materials being sold at high prices, posing serious health risks [5] - "Tech-enabled" harassment through AI-generated calls that exploit personal information, complicating regulatory oversight [7] - "Service reduction" schemes where maintenance services are subcontracted to unqualified entities, leading to inflated repair costs [8] - "Brand imitation" fraud with counterfeit products being sold at premium prices, making it difficult for consumers to distinguish between genuine and fake items [9] Group 2: Consumer Rights Protection Guidelines - Consumers should be vigilant against misleading terms like "free" or "limited time" and verify merchant credentials through official channels [11] - Maintaining evidence such as transaction records and communication logs is crucial for effective dispute resolution [12] - Promptly contacting merchants or platforms for complaints can expedite resolution, with specific hotlines available for various issues [13] - Legal recourse is available for unresolved disputes, including mediation through consumer associations or small claims court [14] - Collective action can enhance consumer protection, encouraging reporting of widespread fraud to authorities [15]