"Pitting Old Scams" renovated, high incidence

In recent years, the "silver -haired economy" is attracting more and more market forces to participate. However, many scammers also follow the "big cakes". They use some elderly people to pay attention to the weaknesses such as health, lack of investment, and insufficient recognition ability. Fame, "brainwashing" and "hunting" for it to achieve the purpose of cheating money.

The old scam "three -board ax":

Famous Medicine Divine Medicine, Collection Finance, Pension Service

In April of this year, a six -year -old special operation of campaign to rectify pension fraud was officially launched. All localities severely punished illegal crimes of pension fraud in accordance with the law, extending the problem of fraudulent messages that infringed the legitimate rights and interests of the elderly, and a batch of cases were detected.

The reporter sorted out and found that among many old scams, the proportion of fraud with so -called "famous medicine" is very high.

A case by the People's Court of Beijing Haidian District shows that from February to July 2020, the defendant Wang was the legal representative of Beijing Co., Ltd., and he led the company's employee Wang Mouen and other people to take gifts. The victims in Haidian District, Beijing, and other places were appointed in a store in Fengtai District, Beijing. Information, fabricating health products such as Royal Paste, etc. have the effect of treating diseases, and then deceived the victim's money.

"Although the number of people involved in such a case as a whole is not large and the amount of funds is not large, its techniques are diverse, the model changes rapidly, and the number of cases is large." Chen Haidong, deputy director of the Fourth Procuratorate of Taiyuan Procuratorate, said.

The purchase of the elderly for the elderly by "collectibles can be appreciated" is another type of high -incidence fraud cases.

In a case announced by the People's Procuratorate of Jincheng City, Shanxi Province, the suspect Li Mou registered and established Cultural Communication Co., Ltd. in Jincheng to purchase calligraphy and paintings, commemorative coins that do not have value -added and collection value from the market market, etc. False propaganda of the company's calligraphy, painting, coins, and commemorative coins can be collected and appreciated. From September 2018 to November 2019, it sells products such as calligraphy, coins, jade and other products to unspecified customers. The company collects and sells for customers, and the company pays the interest on the collection and sale periods to the investment customers. In this way, the total of more than 3.14 million yuan of investment funds is obtained from the public. Most of them are the elderly.

"The purchase cost is 170,000 yuan." Wang Jinjun, director of the Second Procuratorate of the People's Procuratorate of Jincheng City, said that the higher -income and more "collectible" fraud often has the same routine:

First of all, lease shops in the commercial center to create a luxury office place for camouflage, and induce victims to the office in the name of small gifts to promote the appreciated "collection".

Immediately after the promotion of the "collection" auctioned appreciation or recovery, it can be rebate every month. In this case, most of the victims did not take the "collection" away, but waited for the monthly rebate. "How much value of the collectibles is, the average person does not understand, and does not care, anyway, it is enough to return to each other." Wang Jinjun said.

The most common type of cases involving the most people at the same time are pension service fraud.

The Procuratorate Procuratorate of Taiyuan City recently announced that 7,156 elderly people were deceived in the case of illegal fund -raising cases involved in pension investment.

The defendant Zhang Moumou established a Shanxi Apartment Group Co., Ltd., arranged for special personnel to be responsible for and hire 49 as the company salesperson, to publicize with 12%to 36%annual interest and 4%income money. The high amount of interest in the waiting expires to pay back to the age of elderly customers, selling VIP cards, pre -collection fees, member card storage value, receiving vegetable greenhouse deposits, and receiving asset commission funds. The funds of elderly customers are 2.68 billion yuan, and the principal has not yet refunded about 1.074 billion yuan.

"Such fraud cases often involve a large number of people and large amounts of funds." Said Xue Keshang, deputy president of the Second Court of Shanxi Provincial Higher People's Court, said that the so -called "pension services" are mostly fictional guise.

Constructing "Information Cocoon Room" to mislead the elderly entering the game

Interviewees said that the elderly are easily targeted "routines" and there are two main factors.

"There is a market to have a market, and then there is a possibility of breeding crimes." Chen Haidong said that with the acceleration of aging, the insufficient supply of social pension services, family exchanges, and care, resulting in the objective demand for the objective existence of the elderly groups, The criminal fabrication guise "casts what it is good" and enters. For example, in the old -age financial management fraud against the elderly, scammers use some elderly people to worry about the anxiety of "old -fashioned", fictional investment projects, and promise to reward for high costs. Gifts "and free participation in" thank you feasts "as bait, deceive the trust of the elderly, and quote the elderly to" hook "step by step.

Zhang Peng, a senior partner of Beijing Dongwei (Tianjin) Law Firm, said that the elderly groups generally have certain savings and require investment channels. However, in the consumer market of financial wealth management products, most elderly people have become vulnerable groups among financial consumers because of lack of financial management knowledge, weak risk awareness, easy to believe in others, blindly pursuing high returns, greedy and small profits. Financial traps "and" financial scam ".

Selecting the target group and casting what they are good is just the first step in fraud. Next, the scammers will use information to build a "information cocoon house". Interviewees said that the elderly groups are easy to disconnect with society, and the understanding of policies and related professional information has lagging and blind spots. It is often impossible to effectively obtain information, nor effectively filtering and identifying information. However, there is no matching psychology and recognition ability. At the same time, they still have a lot of free time and are easily "brainwashing". In addition, the elderly group itself has a weak ability to resist risks and is special. Various "traps" and "scams" have led to various problems with some elderly people, and to a certain extent, a new social unstable potential factors have been formed. Replenishing demand and strong supervision "double -pronged approach"

Squeeze fraud space

In response to the "pit old scams" that have been issued in recent years, industry experts said that they should pay more attention to the daily living conditions of elderly groups, and start from two aspects of supplementary needs and strong supervision to develop the pension industry to meet the needs of the elderly. Essence At the same time, it is necessary to strengthen supervision and crack down on the fraud industry chain.

Wang Jinjun and others said that the priority was to increase its blow and publicity. On the one hand, we will increase special blows, kill a group of gangs specifically for crimes against the elderly, help the victims of the elderly group stop loss and loss, and reduce the occurrence of "pit old" crimes. At the same time, through centralized publicity and education, helping the majority of elderly people and family members to increase their awareness, enhance risk prevention awareness and recognition ability, so as not to trust, do not transfer, leak, do not greedy small and cheap, stay away from traps, and prevent damage to interests.

Secondly, at the level of social governance, it will increase the supply of services for the elderly. Chen Haidong said that as much as possible to cultivate and develop the pension industry, improve the channels of formal investment and financial management, etc., squeeze the "induction" space of criminals. "The key is that grass -roots units such as communities should establish regular circles and spaces that meet the activities of the elderly, improve the supply of social services for the elderly, provide rich and diverse activities for the elderly groups, and prevent them from being separated from regular social organizations. Reduce the opportunity of the "crooked door evil road". "

Zhang Peng said that from recent years of judicial practice, it can be found that the "pit old scams" often use the elderly to understand the knowledge of finance and law. Among them, the reason for the elderly themselves is also related to supervision. Relevant regulatory agencies should strengthen compliance supervision of the financial and financial market market, increase investigation and punishment of illegal acts, and protect the legitimate rights and interests of financial consumers, especially elderly groups, to the greatest extent.

He suggested to increase punishment from different levels of legislation, law enforcement and justice to increase the cost of illegal. "In terms of social harm, you can consider applying the judicial policies from heavy punishment, and strengthen the work of pursuit of stolen goods, refund and retreat, to avoid the victims that are still in the end of the end."

Source: Economic Reference News

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