21 Investment Teaching 丨 Acting Office "Payment Pension Insurance"?Be careful to get caught in a pension scam

The 21st Century Business Herald reporter Bian Wanli Beijing reported that "paying basic endowment insurance, retirement can adopt pensions." This is actually the first pillar of my country's pension insurance system. This protection is wide and common. However, on the grounds of this, some criminal claims to be able to handle "endowment insurance", but in fact, it is profitable.

In fact, a case of fraud shall be implemented by the guise of agency for endowment insurance. The scammers use the elderly that the elderly are unfamiliar with relevant policies and regulations. At the same time, they hope to obtain the psychology of pension insurance indicators through uniform channels such as doorway and relationships and implement accurate fraud.

Therefore, the elderly must raise awareness of prevention and study related policies and regulations. Do not listen to the so -called relationships and ways. The related businesses that need to apply for endowment insurance must be applied for application through regular channels.

Available "replenishment of endowment insurance" is really fraudulent

Li Jun was originally a staff member of Zhuanghe Branch of Ping An Insurance Company. Since 2009, Li Jun has handled the pension insurance for the peoples and social bureaus through an intermediary company, that is, to pay a certain insurance fee at the Human Resources and Social Security Department, after reaching the retirement age, you can receive the retirement of the state monthly.

On December 28, 2016, the Ministry of Human Resources and Social Affairs issued documents to stop the re -payment policy nationwide. At the same time, Li Jun's family was sentenced to suspected bribery crimes. Two factors are superimposed, Li Jun has been unable to handle social pension insurance for others, but he has not refunded the charge for charging but not successful pension insurance.

Not only that, Li Jun also claimed that he could still handle "replenishment of endowment insurance", and the cost of about 88,000 yuan per person was about to deceive the money of the victims.

In October 2017, after Li Jun learned from others, he was registered as a member of Guangdong Yunmouhui Network Technology Co., Ltd. (hereinafter referred to as "Yunmouhui"), and he invested 50,000 yuan at a time and received about 1,800 yuan per month until he died until his death. Essence He believes, "This investment rebate model is the same as pension insurance."

As a result, in the absence of the victim's consent, the 50,000 yuan of the handling fee charged was put into "Yunmouhui" and earned the difference between 28,000 to 38,000 yuan. Later, Li Jun found the "helper" Wang Ming and Zhou Hua contacted the people to handle endowment insurance. Each person's handling fee was 88,000 yuan. Li Jun promised Wang Ming and Zhou Hua, and each successfully contacted one person to pay 2,000 yuan for the two.

In January 2018, some victims successively received salary issued by "Yunmouhui" and subordinates Shandong Group Buy Network Technology Co., Ltd. in May 2018. In May 2018, "Yun Mouhui" was investigated and punished for organizing leadership and leadership. Li The army commissioned Guo and Lu to pay the victims for the victims through personal bank accounts.

When he noticed that the situation changed, Wang Ming and Zhou Hua found Li Jun to ask the reason. In this regard, Li Jun informed the two, "The actual handling is not the national endowment insurance, but the investment similar to pension insurance." Then, Wang Ming and Zhou Hua continued to help Li Jun contact the masses to handle insurance. Pension.

They said, "The endowment insurance of the State -P by the Social Affairs Bureau can receive about 1,800 yuan per month. The Human Resources and Social Affairs Bureau has a relationship, and it will be able to do it.

Many victims believed that they were true, and they found Wang Ming and Zhou Hua to pay for it. After Li Jun received the money, some of them were used for personal purchase of wealth management products, and some of them were invested in "Yun Mouhui". In December 2019, Li Jun was absconded out of his salary for the victim because he was incapable. Zhou Hua and Wang Ming refunded some of the victims.

According to the court, Li Jun's participation in the fraud was 811,900 yuan; Wang Ming and Zhou Hua participated in the amount of fraud at 8.0743 million yuan, respectively. At the same time, Li Jun, Wang Ming, and Zhou Hua used the purpose of illegal possession, and adopted the method of fictional facts and concealing the truth to deceive others' money. The amount was particularly huge, and its behavior had constituted a crime of fraud.

In the end, the court sentenced Li Jun to fourteen years and eight months in prison, fined 500,000 yuan, and paid the state treasury; Wang Ming and Zhou Hua were sentenced to fourteen years and six months in prison, and fined 400,000 yuan. Go to the treasury. In addition, the three were ordered to refund the victim's economic losses.

What should I do if I pay for endowment insurance for less than 15 years?

In fact, this is a typical case for fraud on the grounds of "agency endowment insurance".

This type of scam is mainly manifested in the staff of banks, insurance institutions, or impersonation of banks and insurance institutions. They lied that there were acquaintances in the relevant departments and collected the materials of middle -aged and elderly people on the grounds of "advance retirement" and "endowment insurance". Fees, benefits, insurance payments paid by the victims for illegal possession.

In the above case, Xing Kaixin used his identity as a government in Anshan Township and the psychological psychology of the victim to handle pension insurance. It was fictional with the facts of the same case that was "related" in the relevant departments. The commitment does not make a full refund, cheats the victim's money and earns benefits from it.

In fact, it is not necessary to recruit people to handle the so -called "replenishment of pension insurance". According to the existing policies, it can be handled in accordance with laws and regulations.

Basic endowment insurance, including the basic endowment insurance of urban and rural residents and the basic endowment insurance of employees, these two parts together constitute the first pillar of my country's pension insurance system. As of the end of 2021, the number of basic pension insurance participants in the country reached 1.03 billion, of which the number of basic pension insurance participants in enterprise employees was 420 million. For employees' endowment insurance. If the legal retirement age payment is less than fifteen years, according to Article 16 of the "Social Insurance Law of the People's Republic of China", the fee can be paid until the full fifteen years, and the basic pension can be received on a monthly basis; Social endowment insurance for residents enjoys corresponding pension insurance benefits in accordance with the regulations of the State Council.

For the endowment insurance for urban and rural residents. If the insured is 60 years old but the payment period is less than 15 years, in accordance with the "Opinions of the State Council on Establishing a Unified Urban and Rural Residents' Basic Pension Insurance System", it should be paid year by year and allowed to pay for it. The cumulative payment does not exceed 15 years.

Data show that from 2012 to 2021, the monthly per capita pension of corporate retirees increased from 1,600 yuan to 2,900 yuan, and the monthly per capita pension of urban and rural residents increased from 82 yuan to 179 yuan. It is worth mentioning that my country is improving the more incentive mechanism, and the pension led by retirees when retirees is directly related to the long -term payment of the payment and the level of payment. Make a lot of money, and the level of pension is naturally high.

(The name of the person in the case is a pseudonym)

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