Disassemble the fraud routine with the "case"!Wenzhou's banking industry focuses on combating special actions to rectify pension fraud

A special operation of departmental collaboration, participation in the whole people, and huge crackdown on pension fraud is continuing. Caring for the elderly and improving the awareness of anti -fraud and anti -fraudulent anti -fraud is an indispensable part of preventing pension fraud.

Since the beginning of this year, for the frequent and multiple cases of fraud cases of the elderly, the Zhejiang Banking and Insurance Bureau has comprehensively promoted the special operation of the banking insurance industry to combat pension fraud. In early July, the Zhejiang Banking Insurance Regulatory Bureau issued the "Guidelines for the Financial Services of the Zhejiang Banking Insurance Industry for Old Financial Services", requiring bank insurance institutions to actively participate in preventing pension fraud, strengthening the training of anti -fraud skills of front -line employees, and actively cooperating with relevant functional departments Fraud work. At the same time, financial services are continuously improved to help the elderly to cross the "digital gap" and allow the elderly to enjoy a safer and warm financial services.

According to the deployment of the Zhejiang Banking Insurance Bureau and Wenzhou City to combat the special office of pension fraud, the Wenzhou Banking Insurance Regulatory Bureau organizes the bank insurance institutions within its jurisdiction to continue to combat special actions to rectify pension fraud, actively carry out publicity and education work, and create a safe and stable financial environment , Guard the "money bag" of the elderly. From the three real cases of three banking institutions in Wenzhou, combined with the experience of the victims of the elderly, the bank staff who helped the elderly customers from avoiding the loss of "old -age money" to the "old -age care" routine of the "pension fraud" is hoped to warn through the case around them. Elderly groups, enhancing anti -fraud and anti -fraud.

When the old -age money is stared at by the "nail friend"

[Case 1] Recently, Aunt Liu, 63, came to the business room of the ICBC Wenzhou Erhai Sub -branch in the ICBC, and asked for help from the Outlet Hall manager. The lobby manager asked about the reason for the reason that Aunt Liu's online shopping express was stranded due to the epidemic cause. One claimed to be a "courier company staff" and contacted him, and he had to pay double the amount of their shopping. In order to get the compensation as soon as possible, under the guidance of the other party, Aunt Liu added his nail friend and sent his bank account to the other party. He also provided a verification code. Subsequently, Aunt Liu received a SMS prompt that her account balance changed, and at the same time, the "courier company staff" called Aunt Liu, saying that the balance of her card had been frozen, and asked Aunt Liu to operate according to the steps they prompted. After understanding the matter, the lobby manager immediately investigated Aunt Liu's account while soothing Aunt Liu, and found that there were only a little change in its card in RMB account, but the balance of the US dollar account increased. Buy the US dollar account. The careful ICBC lobby manager also found that the live broadcast function of Aunt Liu's mobile phone nailing software is in a state of opening, and all her verification code SMS prompts that the pop -up window is obtained by the other party through the live broadcast. The lobby manager instructed Aunt Liu to delete the "nail friend" in time, closed the live broadcast, and assisted Aunt Liu to transfer the funds back and report to the police. Afterwards, Aunt Liu thanked the ICBC's lobby manager: "If this money is gone, I really don’t know what to do, thank you so much!"

The manager of the ICBC Wenzhou Branch said that Aunt Liu's case was more typical. With the rapid development of Internet technology, financial services have shown rapid and intelligent in recent years, but at the same time, the fraud technology of criminals has gradually upgraded, showing a gang, intelligence, and massive trend. The "routine" of continuous renovation fraud is invincible, especially for the elderly groups because they lack understanding of various new types of fraud methods, and they are more likely to be deceived.

In order to enhance the awareness of anti -fraud in middle -aged and elderly customers, according to the unified deployment of the Wenzhou Banking Insurance Regulatory Bureau and Wenzhou City to crack down on the special office of pension fraud, the Wenzhou Branch of the ICBC fully adopts the propaganda method of combining "online+offline" to use the outlets Marketing resources, rolling public welfare advertisements and anime videos that play to prevent pension fraud, place anti -fraud brochures, post the "National Anti -Fraud Center" APP to download the QR code, regularly carry out the fraud methods to explain criminals to the elderly; actively carry out " Six -entering "face -to -face publicity activities, organizing outlet staff to enter the gathers, squares, communities, markets, farmers' markets and other groups of people often gather in the middle -aged and elderly people to gather banners, place exhibition boards, and issue brochures People propagate. The bank also actively promoted the source of telecommunications network fraud, systematic governance, and comprehensive governance, and strengthened various account monitoring, identification, investigation and management involving various accounts involving the field of pension. "Money bag".

When investing in "high yields" aiming on pension money

[Case 2] A few days ago, Grandma Chen, who lives in the Erhai District, came to the Wenzhou Erhai Sub -branch of Zhejiang Business Bank to handle the withdrawal business. Fund! "The lobby manager immediately raised his vigilance as soon as he heard it. After learning in detail, he learned that Grandma Chen joined a WeChat group of more than 20 people by a friend. In the group, she promoted how to invest in the fund, and a "expert and teacher" in the group actively contacted Grandma Chen, telling her to help invest, only 5,000 yuan, which can get 250 yuan in income daily. Therefore, Grandma Chen came to the bank to get cash to invest. The lobby manager judged that Grandma Chen had encountered telecommunications network fraud. While stabilizing Grandma Chen, she reported the situation in charge of the situation. The business supervisor contacted the nearby police station and asked the police to assist in the dissuasion. At the same time, he came to the hall to explain to Chen Grando's explanation of the popularity of fund investment in financial knowledge and common financial investment fraud methods. But in the face of high interest returns, Grandma Chen still hesitated. At this time, the police also arrived and combined with the actual cases of Zhejiang Business Bank's staff to patiently explain the scams for Chen Grandma. The pagoda police collaborated, and persuaded, Grandma Chen suddenly realized that she realized that she was really scamming. The manager of the lobby of the Wenzhou Erhai Sub -branch of Zhejiang Commercial Bank told reporters that like Grandma Chen, many elderly people have a certain savings and pensions after retirement. Child burden. At this time, the scammers used high interest to make bait, and compiled various investment and financial scams for middle -aged and elderly groups, such as collecting antiques and rebate investment in pension projects. Those old people who want to make money are easy to hook.

The Wenzhou Banking Insurance Bureau requires bank insurance institutions within their jurisdiction to strengthen the situation of financial fraud cases involving old -fashioned financial fraud, strengthen joint defense and joint control with public security organs and other departments, early warning, timely prompts, and timely interception, and effectively prevent the risk of pension fraud, ensure the protection of the pension fraud, and ensure that China The funds of the elderly customer account are safe to build a safe defense line for the property of middle -aged and elderly customers.

In order to better do financial services for the elderly, Zhejiang Commercial Bank Wenzhou Branch has continuously enhanced and refined work measures in ensuring the accounts and information security of the elderly. In addition to optimizing and improving the financial services of the elderly in business outlets, the "simple version of the simple version "On the basis of the" transfer supervisor "service of mobile banking, on the basis of the trusted receipts and the dual channel certification mechanism of the transfer, increase the transfer limit and risk reminder of the elderly, and effectively enhance the security guarantee for the funds of the elderly. At the same time, the bank strengthened the protection of financial information for the elderly, strengthened technical testing and supervision and inspection, and ensured the security of the elderly. Further improved the bank's anti -fraud risk control model, identified abnormal operation behaviors through the daily operation mode of the elderly, and promptly prompting and operating restrictions in time. It is worthy of praise that the bank's telephone service hotline can automatically identify the elderly customers and provide manual services as soon as possible. The elderly customers dial the bank 95527 phone customer service to enter IVR first. Calling the order of voice broadcasting, preferentially reporting 0 manual services, you can directly choose to enter the dedicated to the elderly.

Let the elderly transfer the transfer office high credit card

[Case III] Not long ago, Aunt Yu, 62, hurried to Ping An Bank Ryan Sub -branch, claiming that his bank card was frozen, and he had to transfer money but did not succeed. After verification, the bank staff told Aunt Yu's bank card for more than half a year. It belonged to the industry's normal "suspension of non -counter business" category, and immediately helped re -open and guide him for transfer operations according to the aunt's request. When the bank staff asked Aunt Yu's transfer, Aunt Yu replied: "I received a call and said that the credit card of high quota required deposits needed to make a transfer of 14,000. The mobile phone number, verification code, and password helped me operate. "At this time, the bank worker alertly judged that Aunt Yu encountered a scam and immediately discouraged Aunt Yu not to rush to operate first, and patiently introduced her new type of online telecommunications. Fraud case. After the patient persuasion of the bank staff, Aunt Yu finally woke up and avoided the loss in time.

Ping An Bank staff reminds that the online fraud methods are endless. Scammers recommend high credit cards through third -party network channels, and claim to help the elderly are not good at using mobile banking and other characteristics. Implement illegal transfer after password. There will be no pie in the sky. The credit card improvement quota can only be applied to the bank. There are strict conditions and approval procedures. It is impossible to handle it through unconventional channels.

Since the beginning of this year, the Wenzhou Branch of Ping An Bank has worked with 263,800 Ping An Yinan customers, anti -fraud and anti -fraud, and strives to create temperature finance with "anti -annual anti -fraud and peaceful peace". The bank is based on the theme of "Ping An Guardian Action", and the theme of "Smart and Silver Age, Anti -Fraud", "Double Police Union, Anti -Fraud and Frauds" theme anti -fraud live broadcast Help elderly customers to find common fraud routines, two live broadcasts publicize more than 50,000 audiences. At the same time, the 37 -year -old college community used the "anti -fraud" information every Friday to know and related financial courses to provide a new social experience for enhancing the anti -fraud ability of the elderly.

According to the Wenzhou Banking Regulatory Bureau mobilized bank insurance institutions through the analysis of their local cultural and environmental analysis, logical thinking and judgment, distinguishing the scope of the elderly and venues, accurately focusing on the corresponding people of the elderly services, and enhancing the effect of publicity. Ping An Bank Wenzhou WenzhouThe branches take the initiative to go deep into the surrounding communities, elderly apartments, elderly universities, squares and parks, etc., and carry out more than 100 preaching activities.During the event, the bank also used theme activities such as "dancing life and enjoying life", "hi, friends to sing and sing" and other theme activities to form an immersive anti -fraud publicity to the elderly.Correspondent Xu Mengqian Huang Zhangmiao Husha Wu Dan reporter Zhao Qi

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