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揭秘节日化理财骗局:假App、假导师与真损失
Zhong Guo Zheng Quan Bao· 2026-02-25 20:22
Core Viewpoint - The article highlights the increase in investment fraud during the Chinese New Year period, as scammers exploit consumers' desire to manage idle funds and seek high returns, using enticing offers and deceptive tactics to lure victims [1][2]. Group 1: Fraud Tactics - Scammers target key financial moments such as year-end bonuses and family fund consolidation, disguising their schemes as "New Year exclusive investment activities" and "limited-time benefits" to pressure consumers into quick decisions [1][2]. - The fraudulent activities often involve impersonating financial advisors and promoting high-return, low-risk investment opportunities, which are ultimately deceptive [2][3]. Group 2: Case Study - A specific case is presented where a victim, referred to as Li Ayi, was convinced to invest 50,000 yuan in a fraudulent scheme promising a 10% return in just seven days, only to find the app inaccessible and her funds stolen [2][3]. Group 3: Types of Scams - The Beijing Public Security Bureau identified four prevalent types of scams during the holiday season: false investment scams, ticket refund scams, fake red envelope and welfare scams, and e-commerce refund scams [3]. - In investment scams, fraudsters often use social media and video platforms to present themselves as financial experts, promoting high-yield investment projects to gain consumer trust before leading them to unsafe platforms [3][4]. Group 4: Consumer Warnings - Authorities emphasize the importance of choosing legitimate financial institutions and verifying their credentials through official channels, warning that any claims of guaranteed returns are likely fraudulent [4]. - Consumers are advised to be cautious of exaggerated promises of low-risk, high-return investments and to avoid downloading unknown apps or clicking on suspicious links [4].