A survey by a Chinese reporter from a brokerage company found that fake online agent rights protections that have "sprouted" since 2019 are still emerging, and they are no longer limited to traditional websites and WeChat platforms, but have also entered emerging platforms such as Xueqiu and Xiaohongshu. Showing an intensifying trend.
The so-called "agent rights protection" on the false network means that under the guise of "agent rights protection", relevant individuals or institutions publish articles on the Internet through the routine of "making article templates - manual intervention in detail texts - mass production of articles". "The "cases" that assisted in the successful recovery used the massive amount of fabricated negative information as a means of attracting investors to pay rights protection fees and contact financial institutions such as porcelain brokers, futures companies, and securities investment consulting companies.
Traditional securities fraud often promises investors a higher rate of return, using the psychology that investors can receive "high returns" in a short period of time by investing a small amount of money, setting bait.
However, there are some criminals who do the opposite, saying "let investors keep their eyes open" and "beware of fraud" in order to help investors "protect their rights" and "recover losses" in the name of fraud and extortion. .
Fake online rights protection routines are deep
How deep are the fake online rights protection routines?
The articles that keep shouting for you to "pay attention to risks, beware of fraud" and "collect evidence to protect your own rights and interests" are not purely for the purpose behind them.
Since 2019, various so-called "proxy rights protection" articles have emerged on the Internet.
"Shattering of the sky", "Scam exposure", "XX agency maliciously calling out orders is not easy to harm people", "Victims describe the scam routines"... Chinese reporters from securities companies have noticed that on Baidu, WeChat, Tieba, QQ and other social platforms, the Searching for keywords such as "refund", "rights protection" and "recovery" will reveal a large amount of information on "professional rights protection".
With such empathetic titles and descriptions, many investors who have failed in their investments have found emotional belonging, believing that it is possible to recover their investment losses.
Even when you search the names of securities, futures, and investment consulting companies on various search engines, you can see a lot of rights protection information, which are similar and difficult to distinguish.
There have been many rights protection individuals or institutions on the Internet, claiming to be a professional team of lawyers who can quickly help investors recover their economic losses on illegal trading platforms.
Judging from the content of rights protection articles or posts, they are often similar and specious.
First give the name of the exposure platform, and then introduce the experience of "being deceived" in the tone of investors, including: the platform salesman promises "high returns and zero risk", and a lot of investment losses are incurred after purchasing consulting services; being pulled to the stock group to pay service fees , but more and more losses; more and more losses after purchasing professional software... There are many ways and methods, but the keywords are always inseparable from "service fee", "loss" and "deceived".
At the beginning or end of the article, the ultimate purpose of the poster will always appear: "Justice will only be late but never absent, legal consultation WeChat/Telephone: XXX, help you get justice and recover your losses." "When you find yourself being When cheating, the first time is not to wait, you should take active actions, calmly collect evidence of being cheated, look for XX legal aid, and grasp the key to the problem at the first time! Only then can the loss be recovered as quickly as possible!”.
The poster will also leave a certain contact information for rights protection, encouraging investors to seek the help of so-called "professional rights defenders" as soon as possible to "recover the hard-earned money that has been deceived."
As everyone knows, this is just the routine of the professional "network rights protection" team.
In fact, relevant persons published some false cases and false information successfully recovered with the assistance of "professional rights protection" on the Internet through the method of "making article templates - manual intervention of detailed text - mass production of articles", and even combined with SEO ( Search engine optimization) technology, contact some webmasters, increase the weight of information in search engines, gain a lot of exposure, use the massive amount of fabricated negative information as a means of drainage, and then implement online fraud.
In addition to the websites, WeChat and other platforms where the information of "agent rights protection" was frequently posted in the past few years.
In recent years, on emerging social and information platforms such as Weibo, Xueqiu, Toutiao, Zhihu, etc., Chinese reporters from securities companies have discovered a large number of traces of the release of Daiwei information.
Industry insiders believe that the current phenomenon of fake online maintenance is emerging and intensifying, which not only interferes with the order of the financial market, but also affects the legal and compliant operation of formal institutions. It is also easy to cause secondary damage to the majority of investors.
Big data exposure "gray production"! Licensed institutions are 100% "touched by porcelain"
Recently, a Chinese reporter from a brokerage company invited a technology company in Shanghai to use a crawler to capture online rights protection information (based on Baidu search and Sogou WeChat platform), combined with big data and NLP technology to model and analyze the sample content, and analyzed the current situation of online rights protection for financial institutions. Research.
The team took all investment consulting companies, futures companies, securities companies and other licensed financial institutions as research objects, and listed 81 keywords with rights protection features for combination, and obtained nearly 40,000 search word combinations.
The results show that, among the 2.6 million pieces of information data captured, the deep joint learning model constructed based on the BiLSTM-DPTextCNN deep network model and the sentiment dictionary in the financial field finally screened out nearly 1.19 million rights protection articles that meet the characteristics.
Among them, 140 securities companies, 81 securities investment consulting institutions and 150 futures companies under the CSRC were all hit and became the targets of "rights protection", with a hit rate of 100%, and none of the 371 institutions were spared.
So, what are the characteristics of these fake online rights protection texts?
Feature 1: Over 80% of false rights protection information is concentrated on some den sites
Among the nearly 1.19 million negative public opinion information, according to the source of the article, the Top 20 websites covered 87.5%.
Among them, Wan** is the highest, involving nearly 220,000 pieces of negative public opinion information, accounting for 18.5% of the total sample.
Followed by fat **, starting **, old **, sub **, law ** and so on.
Most of the websites are dens that publish false rights protection information, and the web articles all contain contact information in plain text.
In addition, on Baidu, WeChat official account, Sohu and other platforms, there are also some "agent rights protection" content sporadically distributed.
Feature 2: The contact information is highly overlapping, and the same mobile phone number appears up to 24,600 times
Further analysis of these so-called "Internet rights protection" texts shows that 74% of the articles have contact information such as mobile phone numbers, WeChat IDs, QQ numbers, etc., and these contact methods are highly consistent.
Specifically, nearly 880,000 articles with text-based contact information (mobile phone number, WeChat account, QQ account) were parsed in the study, accounting for 74% (the remaining 26% contact information was pictures or in-site messages, due to time constraints. identification analysis, but does not affect the overall analysis results).
Among them, there are 20,417 clear text mobile phone numbers, and a single mobile phone number has been exposed up to 24,644 times.
Taking Laoke.com as an example, many "rights protection" articles have left the same mobile phone number.
Feature 3: There are "routines" in speaking, and as many as 14,000 templates have been found
Of course, these false "agent rights protection" articles also have their own way of speaking. The same set of words can change the narrator, change the financial institution that "touches porcelain", and appear in another person's "appearance statement".
In essence, the criminals actually wrote multiple templates, and then constantly copied the text to "touch porcelain" financial institutions.
These templates were also analyzed in this big data study.
Specifically, a total of 14,000 templates were mined in this modeling analysis, covering nearly 490,000 pieces of negative public opinion information, accounting for 41.2% of the total negative public opinion information.
Among them, 956 templates can be associated with more than 100 articles, with a total coverage rate of 60%.
The data also shows that there are about 50,000 "agent rights protection" texts using 35 templates, 10 of which cover more than 1,500 articles, and the one with the highest usage rate even appears in 3,211 texts.
For example, look at the following two texts. An article publisher claimed that "Is it legal for public investment advisors to charge service fees? Investments are deceived and can be recovered! It is an internal student of the investment advisor and a victim of this fraudulent company." Contact information below.
In another article, the content is almost the same, and the title is replaced by "Is Yimeng Investment Consultants charging service fees legitimate?".
Financial institutions have been repeatedly "touched by porcelain"
The brokerage Chinese reporter learned that for professional "agent rights protection" gangs, their goal is often to attract customers to pay rights protection agency fees or handling fees, and at the same time use investors' demands to "touch porcelain" financial institutions.
Generally speaking, if investors need to contact them, after asking about the name of the platform and the amount of loss, the agent will suggest that "the rights protection fee is between 20% and 50% of the recovered funds", and an entrustment contract needs to be signed.
Some maintenance agencies also require investors to take photos and video with their ID cards.
However, the recovery and refund strategy used by these agencies on behalf of the rights protection agency is to use the materials provided by investors to make complaints and threats.
After the client establishes the entrustment relationship with the agency maintenance agency, the "rights protection teacher" will give guidance to the investor. If the effect is not good, he will also threaten to "expose it in the XX media and file a complaint with the China Securities Regulatory Commission if the refund is not refunded." If the bottom-up threat fails, the agency will also provide investors with the CSRC's complaint method and the description of the fabricated complaint materials.
Industry insiders say these "professional rights" gangs repeatedly challenge the bottom line of the law.
It not only seriously disturbs the normal production and operation order of enterprises and affects the business environment, but also abuses the rights of "professional claimants" to make complaints and reports, information disclosure, reconsideration litigation, supervision and complaints, and squeezes limited administrative and judicial resources.
During the investigation, Chinese reporters from securities companies found that most of the relevant agents claimed to be XX legal aid or XX legal affairs, and the proportion of regular law firms was not large.
But at the time of publicity, it claimed to be a "professional team of human rights lawyers".
Why is the name "legal aid" frequently used?
According to senior lawyers, in the current domestic legal aid system, lawyers are organized by legal aid agencies or law firms to provide free legal services for people with financial difficulties or special cases.
Among them, because the "free" nature of legal aid is the most well-known to the public, it is widely used by maintenance agencies to attract clients.
In fact, it is impossible to apply the conditions of legal aid to economic disputes such as losses in stock trading.
For financial institutions, some false information such as the so-called "malicious call" and "malicious delivery of orders" fabricated by the agency rights protection team have also seriously smeared the reputation and image of the financial institution.
Among them, securities investment consulting institutions encountered the highest frequency of "touching porcelain". Previously, a number of companies, including Henan Hexin Securities Investment Consulting Co., Ltd., Qingdao Damo Securities Investment Co., Ltd., and Jiangsu Tianding Securities Investment Consulting, issued relevant slander Information statement.
The general manager of a small and medium-sized futures company told a Chinese reporter from a brokerage company that the company has encountered similar cases in recent years. Some investors came to demand a refund after the service expired with investment losses and threats to report. There are routines, and most of them are instigated by the maintenance agencies.
Beware of the trap of illegal "proxy rights protection"
Chinese reporters from securities companies have noticed that in recent years, professional online false rights protection has blossomed in various fields such as securities, insurance, and credit card debt.
At the same time, the situation of "professional agency rights protection" in financial products has attracted the attention of relevant departments.
In August 2019, the General Office of the State Council issued the "Guiding Opinions on Promoting the Standardized and Healthy Development of the Platform Economy", requiring effective protection of the legitimate rights and interests of participants in the platform economy and crackdown on extortion and extortion in the name of "anti-counterfeiting".
On March 15, 2022, the Beijing Banking and Insurance Regulatory Bureau issued a risk warning.
The Beijing Bureau of Banking and Insurance Regulatory Commission said that improper rights protection faces "four major risks".
First, the dispute resolution is hindered. Organizations and individuals who "protect rights by proxy" generally do not have legal qualifications. They make malicious complaints by fabricating or distorting facts, which not only hinders the normal resolution of consumer disputes, but also disrupts the normal order of the financial market. Even suspected of breaking the law crime.
Second, there are many hidden dangers of information leakage.
Third, the economic burden is heavier.
Fourth, credit taint has a great impact.
The Beijing Bureau of Banking and Insurance Regulatory Commission reminds consumers to be alert to illegal "agent rights protection" violations, and to rationally protect their own rights and interests in accordance with the law:
One is to choose appropriate financial products or services.
Consumers should choose appropriate financial products or services according to their actual needs, combined with their own economic conditions and risk tolerance.
The second is to reject illegal acts of proxy protection.
In the name of "agent rights protection", illegal agency rights protection organizations or individuals fabricate facts and violate contractual agreements, which not only disrupts the normal financial order, but is even suspected of picking quarrels, provoking trouble and extortion, breaking the legal bottom line.
Consumers should cherish personal credit, be alert to the legal risks that may be faced by participating in illegal "agent rights protection", not believe in false promises, and refuse to participate in malicious complaints that violate contractual agreements, provide false information, or fabricate facts.
The third is to rationally protect their own rights and interests in accordance with the law.
Consumers who have disputes in the process of purchasing financial institutions' products or enjoying services can directly complain to the financial institutions and claim civil rights.
If the consumer fails to resolve the dispute through negotiation with the financial institution, he can apply to the industry mediation organization for mediation.
If a civil dispute cannot be resolved through complaints or mediation, the consumer may, according to the contract, submit it to an arbitration institution for arbitration or file a lawsuit in a people's court.
The fourth is to prevent the leakage of personal information.
Enhance personal information security awareness, protect personal financial information and family information, avoid risks such as information leakage and information theft, and bury hidden dangers for your own information security.
If you find that your legitimate rights and interests have been violated by illegal acts, you should report the case to the public security organs in a timely manner.