Two old people almost fell into a scam.
Recently, the special campaign against pension fraud was officially launched, and the hidden dangers of fraud in the name of "pension" were standardized and rectified. Here, banking institutions remind the elderly and their families to be vigilant and enhance their awareness of risk prevention and identification.
At noon on June 30th, citizen Liu went to Daxing Sub-branch of Ya 'an Rural Commercial Bank with an unexpired certificate of deposit, and asked the teller to handle the early withdrawal business for her, and would immediately take away all the cash. The teller on duty recognized that Liu often handled business in the sub-branch, and on June 29th, he took out cash 1. 1.8 million yuan, which attracted the attention of bank staff.
After seeing it, the staff inquired about its use in detail and told them that it was necessary to make an appointment in advance to withdraw interest losses in advance and withdraw more than 50 thousand yuan in cash to stabilize the mood of the elderly and delay the time. While actively contacting the village Committee cadres in the village where the elderly are located, I hope to help find the families of the elderly and verify the relevant real situation. After many investigations, it turned out that Liu was cheated after attending an elderly health care activity. She took money to buy the so-called "jade mattress that can cure all diseases". Under the patient persuasion of family members and bank employees, Liu Ye found that this was a "health scam" and thanked the bank staff for dissuading him in time to avoid property losses.
Coincidentally. On June 13, the citizen Grandpa Zhou also withdrew 60,000 yuan to buy a "jade mattress that can cure all diseases", which was stopped in time after being discovered by the bank staff.
"The elderly are easy to become targeted routines, and there are also subjective and objective factors. The relevant person in charge of the banking institution said that the elderly group is easily out of touch with the society, and there are lags and blind spots in the understanding of policies and related professional information. They often can't get information effectively, and they can't filter and identify information effectively, so they are easily fabricated by criminals. For example, in financial fraud against the elderly, fraudsters use the anxiety of some elderly people "No Country for Old Men" to fabricate investment projects and promise high returns to trick the elderly step by step.
In addition, the elderly generally have a certain amount of savings and need investment channels. However, in the consumer market of financial wealth management products, due to the lack of financial wealth management knowledge, weak risk awareness, trusting others, blindly pursuing high returns and other reasons, most elderly people become vulnerable groups among financial consumers and are prone to fall into "financial traps" and "financial fraud".
Enhance the awareness of risk prevention?
The reporter found that there are four kinds of fraud "routines" for the elderly: first, under the banner of investing in nursing homes, booking beds in nursing homes, and buying pension apartments. Using high dividends as bait to trick the elderly into investing in so-called "pension projects"; The second is to use the characteristics of the elderly, such as lack of network knowledge and weak recognition ability, to set traps by means of health training and product promotion, high return on investment and financial management, and on-site escort to induce consumption; Third, by providing free travel, emotional escort, false propaganda and other means, the elderly are tricked into buying health care products and other "old-age products" at high prices; Fourth, in the name of "early retirement" and "old-age insurance", the institution collects material fees and benefits and commits fraud, which seriously infringes on the property rights and interests of the elderly and damages their physical and mental health.
There are many kinds of pension fraud, and the means are complicated. How should consumers guard against it?
"The elderly group has a weak awareness of risk prevention and needs the joint efforts of all sectors of society to help them keep their money bags." A professional from a banking institution in our city said that financial institutions should actively fulfill their social responsibilities and help the elderly and their families to be vigilant and enhance their awareness of risk prevention and identification through centralized publicity and education activities. Optimize financial services and improve formal investment and financial management channels. And squeeze the "induction" space of criminals.
The elderly should strengthen their awareness of rational investment and risk prevention, consciously stay away from the whirlpool of illegal fund-raising, and go to regular pharmacies, hospitals and other legally qualified places to buy drugs, health care products and medical devices. At the same time, we should be highly vigilant about products with special effects and drugs for treating diseases. Through lectures, Internet, TV, leaflets and advertisements. The quality of these products is difficult to guarantee, and the prices are often raised.
In addition, the elderly have weak risk tolerance, so they should be cautious in financial management choices, and must not believe the rhetoric of "low risk" and "high return". Be cautious when dealing with strangers, keep a clear head and communicate with family and friends before investing. If you are cheated, you should keep the evidence and call the police at the first time.