Financial management has been high interest, health products, "fully return", and help introduce marriage?Shaanxi High Court released five typical cases of retirement fraud

On June 24, the Shaanxi Provincial Higher People's Court held a press conference and released five typical cases in our province's provinces.

Among these 5 cases, some business personnel of insurance companies use their identity to use high interest as a bait to handle the personal policy guarantee borrowing, so that the elderly will deposit the money into a fictional account to deceive the huge amount of money; Cases to solve policy housing, handle the care of the elderly, arrange employment for children to deceive the money of the elderly group; some lies saying that they are bank staff, forged false bank wealth management products, seduce the elderly to invest in wealth management to implement fraud; When you purchase health care products and promise to return it in installments in advance, you can use health products for free to implement fraud cases; there are cases that introduce the money of the elderly in the name of marriage and love.

one

In order to handle the case of elderly people in the elderly

【Basic Case】

From September to November 2020, eight people such as Li Moumou made a premeditated profit to obtain the identity of the businessman of the insurance company to obtain the trust of the elderly insurance customers. High interest, deceived the elderly to guarantee borrowings with personal insurance policies. After the loan arrives, the money will be transferred to the defendant's personal account for personal squander. The eight defendants used the above methods to fraud with the four elderly people over 70 years of age, with a total fraud total of more than 450,000 yuan. After the incident, the defendant refunded all economic losses to the victims.

【Judgment results】

The court held that the defendant Li Moumou and other eight people such as illegal possession were the purpose of illegal possession, and the amount of fraud against a number of elderly people was huge, and his behavior had constituted a crime of fraud. Based on the role of the defendants in the joint crime, combined with the penalty circumstances such as retirement, voluntarily pleaded guilty and confession, etc., the defendant Li Moumou sentenced him to five years and six months in prison for fraud, and fined 20,000 yuan. The seven defendants were sentenced to two years, eight to four, and six months in prison, and they were fined from 10,000 to 20,000 yuan.

【Warning meaning】

my country's population aging has continued to improve, and pension insurance has a positive effect on the healthy development of the elderly. However, some criminals use normal insurance business, wear legal "coats", use the characteristics of the elderly to operate smartphones, and use hot words such as "Internet finance" and other hot words. Hard -sweat money and old -age money have caused serious economic losses and psychological trauma to the elderly, and also have a negative impact on the insurance industry. While punishing criminals in accordance with the law, the people's court actively issued judicial suggestions and combined with many recent trials of the courts of our province, prompting the insurance industry to strengthen the industry supervision and governance and promote the healthy development of the insurance industry.

two

Using the case of the elderly for the elderly for the elderly

【Basic Case】

From October 2014 to May 2021, the defendant Liu Moumou used himself to be a public official and received a number of honors during his job. Introduce projects, arrange work, etc. After obtaining the trust of others, they deceived the victim Wang Moumou and other elderly people with a total of more than 810,000 yuan.

【Judgment results】

According to the court, the defendant Liu Moumou had a fictional fact that he had repeatedly deceived the property of others, and the amount was particularly huge, and his behavior had constituted a crime of fraud. The defendant Liu Moumou had the plot of surrendering, voluntarily pleaded guilty and confession, etc., and he could handle it in accordance with the law. He was sentenced to 11 years in prison for the defendant Liu Moumou, and fined 100,000 yuan, ordered the refund to pay the stolen money.

【Warning meaning】

Children's employment, resolving housing, and old -fashioned dependence are the wishes of every elderly person. Criminals seize the psychology of the elderly. By boasting that they have "channels", they cheat trust and clever their names to deceive money. The elderly arrange employment for their children, solve policy housing, and handle the overall planning of the elderly. They should understand recruitment information and related policies through regular channels, and handle them in accordance with laws and regulations. If you do not meet the conditions, do not specify, do not trust the confusion of others, do not try to handle the relationship between the relationship and walk back the back door, avoid leaving the opportunity to take the opportunity to the criminals and deceive your own money.

three

Using investment wealth management fraud for the elderly

【Basic Case】

From 2013 to 2016, the defendant Gao Mou had no proper occupation, no entity, and no persistent economic source. He lied that he was a bank staff. The low -cost and small gifts such as pots and cosmetics deceive the trust of the victims, and use the lack of understanding of the lack of understanding of the knowledge of information networks and financial management in middle -aged and elderly people. Through the so -called "investment and financial knowledge" explanation The elderly use the idle funds of pensions to invest in wealth management, and then perform fraud on the fake false bank wealth management products to the victims of the middle -aged and elderly people. They have deceived 16 victims such as Meng Moumou for a total of more than 8.9 million yuan. As of the incident, the unsatisfactory stolen money still reached more than 7.4 million yuan.

【Judgment results】

The court held that the defendant Gao Mou had the purpose of illegal possession, fictional facts, concealing the truth, and deceiving the property of others. The amount was particularly huge, and his behavior had constituted a crime of fraud. The defendant Gao Mou carried out criminal activities with social disadvantaged personnel such as the elderly and punished him as appropriate. After returning, he could truthfully confess the facts of the crime and voluntarily pleaded guilty, and he could punish him lightly in accordance with the law. Then he was sentenced to fourteen years in prison for fraud, and fined 400,000 yuan in prison for fraud, and fined 400,000 yuan. 【Warning meaning】

Since the reform and opening up, the people of our country have accumulated some wealth through their own hard work. Some elderly people have some idle funds in their hands, but they have no financial knowledge and lack of investment channels. The criminals aimed at this feature, using the use tricks of distributing small gifts to deceive the trust of the elderly, and then fictional high returns to deceive a lot of money from the elderly. There are still millions of yuan in this case, and the defendants have been sentenced to fourteen years in prison, which shows a distinctive attitude of Shaanxi Court to fight against rectification of pension fraud crimes.

Four

Utilize the case of "full return" for health products to fraud the elderly case

【Basic Case】

From June 2015 to April 2017, the defendant Wang Moumou registered the settlement of Yongkang Health Store in Taoyuan Road, Yuyang District, Yulin City. , "Linen seed oil", "pine needle", "oxygen -making machine" and other health products, and sign the thank -you agreement, promise to pay the corresponding health products for free after paying cash, and return the pre -payment payment in the later stages. The victim Zhou Moumou and others believed that it was true and paid more than 80,000 yuan. The defendant Wang Moumou returned some cash and closed the store door.

【Judgment results】

The court held that the defendant Wang Moumou took the purpose of illegal possession and adopted a fictional fact and concealed the truth to deceive the property of others. The amount was huge, and his behavior had constituted a crime of fraud. In view of the fact that the defendant confessed his crimes truthfully after arriving, he voluntarily pleaded guilty and refunded the victim's losses, and obtained the understanding of the victim, and punished him lightly in accordance with the law. He sentenced the defendant Wang to three years in prison for fraud and fined 10,000 yuan.

【Warning meaning】

The free use and installment of criminals are actually a consumer scam that uses time to change space. There will be no pie in the sky. The majority of elderly friends must keep in mind "there is no free lunch in the world". Don't send your own pension money and save money to the criminals.

five

Fradered a case of the elderly in the name of the elderly

【Basic Case】

In March 2018, the defendant Ruan Moumou introduced the marriage of the 73 -year -old single five -guarantee households. At 1,000 yuan, Ruan Moumou purchased a mobile phone in Baihe County. In order to continue to deceive the victim Ke Moumou's money, the defendant Ruan Moumou lied to Ke Moumou. Hu Moumou was the object he introduced. He proposed that he needed a gift of 20,000 yuan, and the procedures such as the wedding certificate after the gift was in place. Ke Moumou thought it was true, so he paid Ruan Moumou a cash of more than 10,000 yuan. Subsequently, Ke Moumou learned from Hu Moumou's marriage and found that he was deceived, and then reported to the Baihe County Public Security Bureau. After the incident, Ruan Moumou and his families refunded more than 10,000 yuan to the victim Ke Moumou.

【Judgment results】

The court held that the defendant Ruan Moumou for the purpose of illegal possession, fictional facts deceived others' property, and the amount was large, and his behavior had constituted a crime of fraud. The defendant Ruan Moumou fraudulently punished the property of the five -guarantee elderly; the defendant and his family members had lost all the victims and could be punished as appropriate. He was sentenced to ten months in prison for the defendant Ruan Moumou's crime of fraud, and fined 5,000 yuan.

【Warning meaning】

Compared with young people, the lonely widowed elderly people have a greater chance of falling into a marriage scam, which is worthy of the attention of the whole society. The criminals came in and cheated the money of the elderly, causing the victims to suffer from the double harm of economic and emotion. The people's courts punish such cases in accordance with the law, strengthen the publicity of the rule of law through public pronouncement, expose the means of fraud routine, help the elderly to improve the ability of fraud to prevent fraud, and maximize the "space fraud space".

These cases reflect from different perspectives: there are still regulatory loopholes and weak links in related industries and fields; the information network and financial management publicity of the elderly are not in place; There is a gap between the anti -fraudulent ability and anti -fraudulent ability. The people's court issued the above problems in the case of the case.

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