According to the bright query of mobile phone. Com, pastoral premium attracts the elderly by distributing small gifts, dispelling worries, attracting the elderly to become members by attending health classes and giving away health care products for free, and then promoting wealth management products to the elderly with high income and risk-free gimmicks. At the same time, the company often conducts activities such as distributing cash dividends, giving away health care products and free travel to defraud the elderly. Therefore, rural excellent products have the behavior of defrauding the elderly.