One method: defrauding pension money in the name of investing in pension.
In the name of investment for the aged, some lawless elements promise high interest returns and provide services such as booking beds and rooms for the elderly, thus illegally raising funds from elderly consumers.
Grasp the characteristics of the elderly and design a scam. Criminals often appear in places where the elderly gather, such as parks, supermarkets and communities. Under the banner of investing in old-age care and selling old-age care products, we constantly instill ideas such as financial old-age care and new investment into the elderly.
Use Sean Xiao Huibo's kindness to reduce the vigilance of the elderly. Criminals deliberately gain the trust and goodwill of the elderly by organizing tours, visits, lectures and giving gifts. After the old man lowered his vigilance, he took the opportunity to kidnap and falsely publicize morality, with the ultimate goal of defrauding the old man of money.
Throw out high-return promises to attract the elderly. In the past, criminals promised high dividends, guaranteed high interest rates, booked old-age care services, and tricked the elderly into investing in so-called old-age care services and various expenses, such as VIP cards, membership fees and advance payments. These institutions cannot provide the promised old-age care services. After obtaining funds, its operation and flow direction are opaque, and there is a high risk of fund-raising and running away. Some old people's pension funds were defrauded by criminals.
The second method: defrauding the funds of the elderly in the name of housing for the elderly.
The so-called "housing for the elderly" by criminals is false. Regular housing pension refers to the reverse mortgage pension insurance for the elderly, which is an innovative commercial pension insurance that combines housing mortgage with lifelong pension annuity insurance. Older people who own complete and legal property rights of their houses will mortgage their houses to insurance companies, and with the consent of the mortgagee (insurance company), they will continue to enjoy the rights of possession, use, income and disposal, and receive pensions according to the agreed conditions until their death; After the death of the old man, the insurance company has the right to dispose of the mortgaged property, and the proceeds from the disposal will first be used to pay the related expenses of the old-age insurance. At present, this kind of insurance is still in the pilot stage in China, which is relatively small. The entry threshold is high, the legal relationship is complex, and there are many risk factors, so the business development and sales management of the organization are very strict.
The so-called "housing for the elderly" by criminals is extremely risky and has hidden traps. In the name of national policy, criminals cover up the essence of illegal fund-raising, trick the elderly into applying for real estate mortgage under the banner of "providing for the elderly with housing" and high returns, and then use the borrowed money to buy the wealth management products recommended by them. This "mortgage-loan-financial management" model has many operational processes, chaotic participants and high investment risks, which does not meet the risk tolerance of most elderly people. The so-called "wealth management products" are probably fake, and the money lent out eventually goes into the pockets of illegal institutions.
In the name of "providing for the elderly with housing", the elderly are tricked into mortgaging real estate and defrauding funds. The "housing for the aged" claimed by lawless elements has nothing to do with the national pilot housing reverse mortgage pension insurance, but is just a means to carry out illegal fund-raising activities under the guise of national policies. In fact, there is no corresponding qualification and ability at all, and it is often a Ponzi scheme of "replacing the old with the new". Some participants didn't even know that their property was mortgaged, and eventually they lost their house and were still burdened with loans.
The above behavior infringes on the legitimate rights and interests of consumers and has a bad influence. The Consumer Protection Bureau of China Banking Regulatory Commission hereby reminds consumers to keep in mind and pay attention to the following two points.
First, remember that investment is risky and it is not advisable to gamble. Consumers should establish the concept of rational investment and financial management, do not easily believe the so-called "no loss", "no risk, high income" propaganda, and do not invest in projects with unclear business and unknown risks. If the promised yield of wealth management products exceeds 6%, it will be questioned. More than 8% is dangerous. If it exceeds 65,438+00%, be prepared to lose all the principal. "Guaranteed capital and high income" is financial fraud. Remember that investment is risky, and don't be tempted by high returns and invest impulsively.
Second, remember to choose a formal institution. To buy financial investment products, we should combine our own risk tolerance and choose formal institutions and channels. Consumers, especially the elderly, are advised to consult professionals in formal financial institutions and discuss with their families before purchasing investment and wealth management products, so as to make necessary judgments and understanding on the authenticity and legality of investment activities, prevent fraud by criminals, and be alert to the crazy marketing behavior of informal institutions.
Third, beware of fund-raising fraud routines. Fund-raising fraud has the characteristics of "all-in-one" and "Ponzi scheme", which often focuses on returning the old to the new, lacks actual business support and profit sources, and has no projects matching its promised return, which is prone to risks such as running away from the money and breaking the capital chain. Don't be fooled by the rhetoric of "guaranteed capital and high interest rate" and "guaranteed capital and guaranteed income".
Fourth, pay attention to protecting personal information. Enhance personal information security awareness in daily life, be cautious about the contract signing process, and do not sign blank contracts. Do not provide important information such as ID card, bank card number, password and verification code at will to prevent fraudulent use, abuse or illegal use. If you find any suspected illegal financial activities, you can report the case to the public security organ or report the situation to the relevant financial supervision department in time.