Reporter Liu Deng

　　Free distribution of rice noodle oil to attract the elderly to join the club, high rebates are offered to lure the elderly into investing; in order to hide people’s eyes and ears, they dispatch BMWs to receive reception, organize tourism in Southeast Asia, and often eat and drink at farmhouses… These are the usual routines of fraud gangs targeting the elderly.

　　The Haikou Intermediate People's Court recently heard two cases of fund-raising fraud aimed at the elderly. The gang involved used preferential purchase of pension and health care products as bait to defraud 188 elderly people of more than 18 million yuan, ranging from 10,000 to 20,000 yuan. The oldest victim is 94 years old.

Except for receiving a small amount of dividends and rebates, most people have not recovered their principal.

　　Xinhua Daily Telegraph reporter conducted an in-depth interview, from the dual perspectives of fraud gangs and deceived elderly people, to restore the deception of pension and health care products fundraising fraud, hoping that more elderly people can learn from it and keep their "pension money".

The first step of deception: buy an ID card to register a company and pretend to be a state-owned enterprise

　　At the beginning of 2015, Li Ming (pseudonym), a technical secondary school student over 30 years old, was still working in Guangzhou.

Thinking of making a lot of money, he had long planned to do business, but he couldn't do business seriously, so he came up with the crooked idea of ​​defrauding the old man.

　　In February 2015, Li Ming started his plan.

"I bought several ID cards that other people lost in Guangzhou. Among them was a person named Shi Tao (pseudonym), whose ID photo looked more like me, so I used this ID card as a cover. I bought Xu Long again. The ID card of (pseudonym) was registered in Haikou to establish Hainan Yingfeng Food Technology Co., Ltd. Xu Long is a legal person, and I use Shi Tao's pseudonym as the general manager."

　　In order to make the company look more powerful, Li Ming contacted an illegal intermediary online to forge a business license and changed the company type to a branch of a wholly state-owned limited liability company.

　　After the establishment of the company, Li Ming promoted to the elderly that his company is a comprehensive enterprise integrating health food, health food, beauty and beauty food development, scientific research and brand promotion, and marketing planning.

In addition to the health food industry, Li Ming also lied to the elderly that the company has an original ecological underwater cage aquaculture industry. In Guangxi Qinzhou Reservoir, there are 600 acres of aquaculture area, 200 underwater cages, and an annual output of more than 800,000 kilograms; The company has a 1.8-kilometer-long sand quarry in Anshun, Guizhou, with 5-year sand mining rights and an annual output of more than 100,000 cubic meters. Seven, a total of 1,000 mu, with an estimated annual income of over 100 million yuan, which is the benchmark for planting in the Panax notoginseng industry in Yunnan...

　　After the incident, Li Ming said frankly, "The purpose of my establishment of this company is to raise funds for fraud. I was afraid that the police would catch it after the incident, so I used the ID card I bought to go through business registration. I asked the key employees of the company to use fake names. , just to avoid the pursuit of the public security organs in the future."

The second step of deception: "Little kindness and small favor" to attract the elderly, and then throw out the bait to develop members

　　When Li Ming established Hainan Yingfeng Food Technology Co., Ltd., he also set up Yingfeng Yingkang Member Club.

From April 2015 to June 2017, Li Ming, in the name of Hainan Yingfeng Food Technology Co., Ltd., attracted middle-aged and elderly people to become the company by distributing leaflets, brochures, eggs, rice noodles and oil to the middle-aged and elderly people for free. members.

　　At the company's publicity meeting, Li Ming told the elderly that if they paid 570 yuan a year, they could get a bucket of protein powder every month, and if they paid 970 yuan a year, they could get a bucket of goat milk powder every month.

After becoming a member, you can get a stamp card and go to the company for stamping every day. When the stamp reaches a certain number, you can change the laundry detergent, peanut oil and other small gifts, and you can also have free morning tea.

　　At the same time, Li Ming signed a club membership promotion agreement with the elderly in the name of the company, and members who have made outstanding contributions to brand promotion will give 1 to 3 trips within Hainan Province.

　　The deceived old man Xu Mouyun said that she was only fooled by a member friend who joined first to participate in the "discount" activity.

The reporter found that there are not a few people who fell into the scam after being introduced by friends like Xu Mouyun.

The third step of deception: Xu lure the elderly into investing with high rebates

　　Li Ming took the company's business personnel to the morning tea party, customer association and other occasions, and lied to the members that the company had agricultural and fishery industry projects in Yunnan, Guangxi and Vietnam, with high profits and stable dividends. Ordinary members invested in the company. Can be upgraded to VIP member and dividends.

　　Li Ming assured the elderly that VIP members who start with an investment of 10,000 yuan will receive a monthly rebate of 300 yuan for every 10,000 yuan invested. After the interest is returned for 12 months, the principal will also be returned, and there will be a cash subsidy of 500 yuan; For those starting from 120,000 yuan, a monthly rebate of 450 yuan for every 10,000 yuan of investment; for every 10,000 yuan of investment, a monthly rebate of 600 yuan.

　　Many elderly people could not bear the temptation of high rebates, and they took out their pension money one after another.

"After I bought goat milk powder for a year, I decided to invest in the company's fish farming project. Later, the company's vice president, Lin Mouxiang, held a meeting with 100 of our members and said that the company had bid for a large Panax notoginseng planting project in Yunnan. The profit is very high. Originally, the project in Hainan was only divided into 500 mu of land. He fought for an additional 500 mu for the benefit of Hainan customers. I added additional investment.” Xu Mouyun said.

　　In order to make the scam more realistic, Li Ming and others signed an investment contract with each elderly person, issued a receipt, and distributed dividends and rebates to the elderly according to the contract at the end of each month.

One of the deceived elderly He Moujian said that in order to convince the elderly of the authenticity of the investment project, Li Ming took him and several other elderly people to Qinzhou, Guangxi for a field trip and let them catch fish in the fish pond.

"And received us in a black BMW."

　　The deceived old man Lin Moulan said that Li Ming and the company's salesmen often invited members to drink tea in some hotel boxes in Haikou. The company also organized members to travel to Beijing, Shanghai, Yunnan, Guangxi, Vietnam and many other places.

"Using tourism to attract our investment, the more we invest in tourism, the better. We can invest 40,000 yuan to get a chance to travel to Hong Kong, and we invest 80,000 yuan to get a chance to travel to Thailand. We also often take us to play in farmhouses. , invite us to dinner, and tell us about the investment project in the process."

The fourth step of the deception: "borrowing the new to repay the old"

　　The deceived elderly Lin Mou and Guan Moulian started investing in October 2015, and were ready to withdraw the principal when the investment expired in June 2017.

"My salesman told me that the company was on holiday, and later told me that the company was out of money. Over the years, I invested a total of 130,000 yuan in four installments. I didn't know I was cheated until I found out that the building was empty. Only then did I report to the public security organs." Lin said.

　　The court found that the company had no legitimate source of income except for the investment funds of the elderly, and the funds absorbed from middle-aged and elderly customers were not used for production and business activities, and there were no actual investment projects. In June 2017, the capital chain was broken, and the principal and interest of members have been repaid by "borrowing the new to repay the old" and "removing the east wall to make up the west wall". Li Ming and others defrauded 188 fundraising participants in the name of the company. 18.107 million yuan, the case Only 1.169284 million yuan was returned before and after the issuance, but the actual fraudulently obtained 16.817716 million yuan, a huge amount.

　　What has nearly 17 million dollars been used for?

The judge told reporters that most of the money was shared by Li Ming and the company's backbone, which was used to buy luxury cars, real estate, and gambling.

"I asked my wife to use the money to repay the house loan in Guangzhou. I also used the money to buy a Mercedes-Benz S320 sedan, which cost more than 1 million yuan." Li Ming said.

Judge reminds: Beware of pension fraud traps and fill related loopholes

　　Cao Yongming, the presiding judge of the case, pointed out that the criminals took advantage of the characteristics of the elderly, such as occlusion of information, need for companionship, desire for health, and weak cognition, to hype concepts, falsely publicize, and set traps to defraud the elderly of money.

The case reflects that the anti-fraud publicity for the elderly is not enough, the company's establishment is not standardized, and the health care product marketing model is not compliant.

　　Cao Yongming suggested that the political and legal organs should strengthen the publicity and education of the rule of law according to the characteristics of the middle-aged and the elderly, and enhance the prevention awareness of the middle-aged and the elderly.

In addition, the public security organs should intensify their efforts to crack down on illegal and criminal acts of illegally buying and selling identity documents and manufacturing and buying fake certificates; market supervision departments should strengthen the supervision of industrial and commercial agency companies, and strictly review and check relevant materials during company registration. And regulate the business scope of the company.