Chinanews.com, September 9 -- The State Financial Regulatory Administration issued a risk reminder on preventing false online investment and financial management fraud. At present, there are frequent cases of fraudulent online investment and financial management, harming the rights and interests of consumers and disrupting the order of the financial market. To this end, the State Financial Regulatory Administration issued a risk reminder for the protection of consumer rights and interests, reminding consumers to be highly vigilant against such fraud and beware of property losses.
Fake online investment and wealth management scams are usually carried out in the following three ways:
Step 2: Attract consumers with false propaganda of "capital preservation and high interest". Under the guise of bond investment, stock investment, precious metal investment, futures investment, P<>P investment, foreign currency investment and other concepts, criminals launched the so-called "investment and financial management artifact", published news on online platforms to claim "steady profits without losses", and attracted consumers' attention with gimmicks such as high rebates, monthly rebates, and maintaining cash flow.
Step 2: Induce investment with "expert insider" false information. Criminals add consumer friends through social software, pull them into "investment" group chats, and then pretend to be investment mentors and financial experts, deceive consumers with "investment rich cases" and "live classes", or confirm marriage relationships with consumers through marriage and dating platforms, and then lure consumers into investment with "inside information", "membership channels" and "special resources".
Step 3: Transfer funds using the "investment rebate" fake platform. Criminals send fake links to consumers by forging or counterfeiting investment platforms, guide consumers to download APP for investment, and use small investment rebates as bait to continuously guide consumers to increase capital investment. Criminals then quickly transferred funds, and even took advantage of consumers' eagerness to withdraw money, collecting so-called "security deposits" and "unfreezing funds" in the name of "abnormal login", "server maintenance" and "bank account freezing", etc., to further expand the loss of consumers' funds.
The amount of money lost by such scams is huge and the number of people who are deceived is large. In order to protect the legitimate rights and interests of consumers, the State Financial Regulatory Administration reminds:
2022. There are no "capital protected and high interest" wealth management products. According to the Guiding Opinions on Regulating the Asset Management Business of Financial Institutions, which came into effect on January 1, 1, financial institutions are not allowed to promise "principal and income protection" when carrying out asset management business. Consumers should recognize that bank wealth management, funds, trusts, futures, etc. are not deposits, high returns mean high risks, "capital protection and high interest" and "expert guarantee" are common tricks of false online investment and financial management fraud, and should be vigilant.
Second, do not believe in "gossip" from unknown sources. When investing and managing finance, consumers should prefer financial institutions approved by the financial regulatory authorities to establish and issue licenses, and should not trust "gossip" disseminated through online forums, WeChat groups, QQ groups, etc., as well as institutions or personnel without legal qualifications. If you have any questions about the financial business, you can consult and verify through the official website of the financial institution or the regulatory authority, hotline, etc.
Third, do not covet "cheap for a while" because the small loses the big. Consumers should establish a scientific and rational concept of investment and financial management, and avoid fluke mentality and gambling mentality. Be vigilant against unfamiliar calls, email sales and other informal online channels to induce investment behavior, do not click on unknown links or scan QR codes at will, and do not easily authorize unofficial apps to use the protocol; Refuse to share real-time location with strangers and share photos with identifying information to avoid financial losses due to information leakage.
In short, consumers should cultivate correct investment concepts, improve risk prevention awareness and information screening capabilities, and avoid personal information leakage to criminals. If you are accidentally deceived or encounter suspicious circumstances, you should promptly retain key information such as chat records, transfer records, bank account numbers, etc., and report the case to the local public security organ as soon as possible, so as to protect your rights and interests in accordance with law. (Zhongxin Finance)