The more you spend, the more benefits you get? Be wary of the pension investment scam behind the "warm" care

　　As the proportion of my country's elderly population continues to rise and the "silver-haired economy" is booming, some criminals are also turning their attention to the field of elderly care.

Embezzling and defrauding pension funds and absconding with the money after taking office for more than a month

　　Not long ago, the People's Court of Ruichang City, Jiujiang, Jiangxi heard a case involving pension fraud.

The defendant in this case is the director of a private nursing home.

From taking office to losing contact, the director of the nursing home only served for more than a month, but she actually defrauded many elderly people of their pension funds, and then absconded with the money.

Public Prosecutor of Ruichang City People's Procuratorate:

This court believes that the defendant Liang Mouzhen took advantage of her position to illegally occupy the property of her unit, the amount was relatively large, and for the purpose of illegal possession, she fabricated facts to defraud other people's property many times , the amount is huge, the facts of the crime are clear, and the evidence is convincing and sufficient, he should be investigated for criminal responsibility for the crime of occupational embezzlement and fraud.

　　The defendant in this case is named Liang Mouzhen, 50 years old this year, and was previously the director of a private non-enterprise nursing home in Ruichang City, Jiujiang.

The prosecution accused Liang Mouzhen from December 2021 to January 2022, taking advantage of her position as the dean of the nursing home to lure the elderly or their family members in the nursing home to pay living expenses, nursing care, etc. Fees and other expenses, a total of more than 130,000 yuan was collected in one month, and then absconded with the money.

　　In addition to the pension expenses for the elderly, Liang Mouzhen also defrauded other people of about 200,000 yuan, including the employees of the nursing home, on the grounds of renovation of the nursing home and reservation of pension bed fees.

　　It is understood that in December 2021, Liang Mouzhen was favored by an investor in a nursing home with her years of nursing experience, and was hired as the director of the nursing home with a high salary.

Judge Wang Dewei of the Criminal Division of the People's Court of Ruichang City:

It has a certain social welfare nature, and it is also established by individuals, and it is a unit under the management of the Civil Affairs Bureau.

Since taking office, Liang Mouzhen began to carry out large-scale renovations to the nursing home on the grounds of improving the environment of the nursing home.

　　Ms. Zhang was the financial staff of the nursing home at the time, and every payment made by the nursing home had to go through her hands.

However, after working with Liang Mouzhen for only more than 20 days, Ms. Zhang was dismissed by the new dean.

　　After Ms. Zhang was dismissed, the financial power of the nursing home was actually in the hands of Liang Mouzhen.

Later, Liang Mouzhen began to adjust the financial and charging system of the nursing home, changing the monthly payment method in the past, and introducing a series of preferential policies to encourage the elderly in the nursing home to prepay the fees in advance.

　　At the same time, under the guise of increasing the occupancy rate of nursing homes, Liang Mouzhen gave more preferential policies and solicited the elderly to reserve beds in nursing homes in advance.

Mr. Guo is one of them.

　　According to Mr. Guo, he and Liang Mouzhen had known each other before, when Mr. Guo lived in another nursing home, and Liang Mouzhen was his nurse at that time.

Due to poor health, Liang Mouzhen took good care of him, so the two had a good relationship.

　　Later, Mr. Guo paid 15,000 yuan to Liang Mouzhen to reserve a bed for the elderly. Out of trust in Liang Mouzhen, he did not sign an elderly care service contract at that time.

Victim Mr. Guo:

Later I asked her for a contract.

She couldn't get the contract out, so she tricked me into pushing it back, she said it will open soon, and I'll take you with me when it opens, now I have to go to that place to get the contract.

　　Mr. Guo believed it to be true and did not urge him to ask again, but what he didn't expect was that Liang Mouzhen soon made up reasons to defraud him of 20,000 yuan.

　　During more than a month as the dean of the nursing home, Liang Mouzhen collected more than 300,000 yuan from the elderly and their family members under various guises and made up many reasons. She turned away.

Until January 2022, Liang Mouzhen suddenly lost contact. Like the money, she also disappeared.

　　On January 14, 2022, Liang Mouzhen, who absconded to Hubei, was arrested by the police and brought to justice.

After investigation, she was suspected of job embezzlement and fraud, involving a total amount of more than 330,000 yuan.

Judges who discover regulatory weaknesses issue judicial recommendations to civil affairs departments

　　As the director of a nursing home, instead of thinking about how to better serve the elderly, he focuses on their hard-earned pension money.

So who is Liang Mouzhen, and how did she become the director of the nursing home?

During the trial of the first instance, the ins and outs of the case were also revealed.

At the same time, this case also allowed the trial judge to discover the weak link in industry supervision.

Prosecutor of the People's Procuratorate of Ruichang City:

After the case was discovered, the public prosecution agency asked the public security agency to obtain Liang Mouzhen's WeChat, Alipay, and bank accounts. After verification by the public security agency, her WeChat balance was 0 yuan, and her Alipay balance was 0.29 yuan. The card account amount is 0 yuan.

　　So, where did Liang Mouzhen defraud more than 330,000 yuan?

　　It turned out that as early as January 2018, Liang Mouzhen was sentenced to two years and six months in prison by the Jiujiang Ruichang City People's Court and fined 120,000 yuan for the crime of illegally absorbing public deposits.

Judge Wang Dewei of the Criminal Tribunal of Ruichang City People's Court:

At the same time, he also ordered the defendant Liang Mouzhen to refund the illegal income, about 5.35 million yuan.

As for the compensation part, the original case of the court was also transferred to the Court's Enforcement Bureau for enforcement. As far as we know, it has not been fully enforced.

　　According to Liang Mouzhen, after she was released from prison after serving her sentence last time, she found a job as a nurse.

Due to her excellent work, she was hired with a high salary to serve as the dean of this nursing home.

So, why did Liang Mouzhen, who became the dean of a nursing home, not do a good job, but deliberately cheated everywhere?

This also starts with her gambling habit.

Prosecutor of the Ruichang City People's Procuratorate:

Because I lost a lot of money in gambling, I have to gamble again, so I urge the family members of the elderly to pay living expenses quickly. Liang Mouzhen used the nursing fees and fraudulent money for gambling and lost.

Judge Wang Dewei of the Criminal Division of Ruichang City People's Court:

She started gambling on mobile phones in July and August 2021.

At the beginning, she might have won 80,000 to 90,000 yuan, and the 80,000 to 90,000 yuan was used by her to pay off personal debts.

Later, she started to lose money. After losing money, in order to get back her capital, she began to find ways to make money in various names.

　　During the trial, the defendant Liang Mouzhen pleaded guilty and accepted punishment, and the public prosecutor carried out legal education for him in court.

Prosecutor of the People's Procuratorate of Ruichang City:

The defendant Liang Mouzhen, as the director of a nursing home, should have cared for and cared for the elderly, and provided them with due diligence, so that the elderly could spend their happy old age.

However, because of their original gambling habits, they took advantage of their positions to infringe on the rights and interests of the elderly and related personnel and units, which brought them harm.

I hope that the defendant Liang Mouzhen can reform, sincerely repent, stay away from gambling, and earnestly reform.

After coming out, I can still do my best to make up for it.

　　On July 4, 2022, the People's Court of Ruichang City, Jiangxi Province made a judgment of the first instance on this case.

Presiding Judge Wang Dewei:

Defendant Liang Mouzhen committed the crime of embezzlement and was sentenced to eleven months in prison and fined RMB 10,000.

Defendant Liang Mouzhen committed fraud and was sentenced to five years and eleven months in prison and fined RMB 40,000.

He was punished for several crimes and sentenced to six years and two months in prison and a fine of RMB 50,000.

　　After the verdict was pronounced in the first instance, Liang Mouzhen said that she would accept the verdict and not appeal, and the case has now come into effect.

Although this case has come to an end, the relevant work has not stopped. The judges are still thinking about a problem, that is, how to avoid such cases from happening as much as possible.

Judge Wang Dewei of the Criminal Tribunal of Jiangruichang City People's Court:

We will issue a judicial recommendation to the civil affairs department, suggesting that the managers of the elderly care center should register with the civil affairs department before assuming management positions.

The civil affairs department should also conduct a qualification review of managers. If he has a criminal record in the court, or is included in the list of dishonest persons subject to enforcement by the court, we suggest that this part of the person be disqualified as a senior manager of the senior care center.

　　In addition, the pension institution also stated that it would bear all the pension funds of more than 20 elderly people in the nursing home occupied by Liang Mouzhen.

At the same time, he also said that management will be strengthened in the future.

Strangers are caring and careful. This is a "warmth" scam!

　　The elderly need care and company in their lives, but their children are busy with work and it is difficult to stay with them for a long time.

At this time, if a stranger appears next to the old man, asking for his health and caring, and satisfying all the fantasies of the old man about "godson" and "goddaughter", then the old man may have to be careful!

This kind of "warmth" scam usually uses the banner of "pension base" to invest in pensions.

　　Mr. Yang, 75 years old this year, and his wife are both retired workers in Zhengzhou City, Henan Province. To pass the time, after a busy day, the old people also feel very fulfilled.

A few years ago, Mr. Yang met Dai and her husband Dong in a group activity.

Dai and his wife are eloquent and warm to the elderly, and they recognize Mr. Yang's wife as "godmother".

　　The relationship became more and more acquainted, and a couple Dai began to lobby the elderly to invest in the pension project of their company, claiming that if the elderly couple needed a pension bed, they could enjoy preferential treatment, and even if they could not live in it, the company would return 12% of the interest.

The "investment" that seems to be profitable without losing money, coupled with the rhetoric of a couple who can't stand it, the old couple began to be moved.

　　The interest was returned in a timely manner, and the "goddaughter" was extremely caring. In the following time, the old couple got deeper and deeper.

After successively investing more than 1.2 million yuan, it became more and more difficult to wait for the return of "investment interest", and the other party began to delay or decline the return of interest with various excuses.

After repeated reminders to no avail, the old couple realized that they should have been cheated.

　　Although they realized that they might have been cheated out of their hard-earned pension money, the two old men hesitated and never dared to call the police.

In July 2022, Huiji Branch of Zhengzhou Public Security Bureau received clues that a local pension company was very suspicious and was likely involved in pension fraud.

After police investigation, it was found that the company suspected of pension fraud was the same company that defrauded Mr. Yang and Mr. Yang's wife.

Wei Dong, deputy squadron leader of the First Squadron of the

Zhengzhou Public Security Bureau

: We organized relevant forces to investigate the case. During the investigation, we found that a residential pension company headed by Fu Mou gradually surfaced.

　　However, after an interview, the police found that this pension company had been disbanded as early as October 2020, and the personnel in the company had long since disappeared.

As the investigation deepened, the police found some elderly people who were likely to have been cheated and asked them about the situation.

Wei Dong, Deputy Squadron Leader of the First Squadron of the

Zhengzhou Public Security Bureau

: Judging from the information we have, the age of the elderly varies from sixty to seventy to eighty.

　　During the communication process, some elderly people still do not believe that they have been cheated, and the police can only fix the evidence as much as possible.

By investigating the registration status of the company involved in the case, the Zhengzhou police obtained the information of the employees who worked for the pension company at that time.

Wei Dong, deputy squadron leader of the First Squadron of the

Zhengzhou Public Security Bureau

: After preliminary screening, most of the suspects in the case are in Zhengzhou, but some suspects have left Zhengzhou and are distributed all over the country. Came a lot of trouble.

　　In order to avoid alarming the enemy, after sufficiently fixing the criminal evidence, the Zhengzhou police divided into four groups and went to Anyang, Nanyang, Henan, Chengdu, Sichuan, and Humen, Guangdong at the same time to arrest them in a unified manner.

In the end, all 14 gang members were arrested.

The enthusiasm of the salesman made the elderly put down their defenses

　　After investigation, more than 70 elderly people invested in this fake pension base, and the amount involved was as high as more than 7 million yuan.

One of the tricks they use to make the elderly fall into the trap is to enthusiastically call "godfather" and "godmother" to make the kind old man put down his guard.

　　The criminal suspect confessed that this so-called pension company was established in 2016, and they claimed to be a company investing in "pension bases", but they actually targeted the elderly and defrauded them.

Wang Wenming, Captain of the Criminal Investigation Brigade of

Zhengzhou Public Security Bureau

: In the early stage, their salesmen went to some parks, squares, places where the elderly often move and gather, asked for the contact information of the elderly, left a phone call, added WeChat, and then It is in the company, making dumplings for Chinese New Year, making dumplings for Dragon Boat Festival, etc.

　　These salesmen became familiar with the old people after coming and going, and some even recognized the old people as godfathers and godmothers. With such enthusiastic service, the old people gradually let go of their defensive mentality. At this time, the salesmen will take advantage of the situation Introduce the so-called pension "benefits" in the company to the elderly.

Wang Wenming, Captain of the Criminal Investigation Brigade of the

Zhengzhou Public Security Bureau

: It is claimed that their company has dozens of self-operated and cooperative pension bases all over the country, such as Qingdao, Shanghai, Guilin and other places.

The elderly pay fees ranging from 50,000 to 100,000 yuan to the company to become members of their company.

They claim that the more they pay, the more they spend, and the more benefits they receive.

　　After brainwashing the elderly that the investment in the "retirement base" is a guaranteed business, these salesmen will continue to concoct high-return "sugar-coating" for the elderly.

Among them, the most attractive thing for the elderly is that the annual interest rate is as high as 12%. Such a generous return often makes many elderly people lose their rational judgment.

Wang Wenming, Captain of the Criminal Investigation Brigade of

Zhengzhou Public Security Bureau

: They fabricated facts, exaggerated propaganda, and used high interest rates as bait to let these elderly people step into their trap step by step.

In fact, these so-called "retirement bases" are all fabricated and fabricated.

When I went to their company, there were many beautiful landscape photos on the wall. There were dozens of them. In fact, they were all collected from the Internet. The scenery is very beautiful, and the rooms are also very beautiful. The elderly people mistakenly think that these are their own company. base.

　　During this process, if an elderly person wants to go to the "retirement base" to take a look, the salesperson will use various methods to evade it, and find opportunities to continue lobbying the elderly for investment.

Once an old man invests and the money enters the company account, the salesman can immediately receive the commission, and the remaining money will be distributed by Fu.

Wei Dong, deputy squadron leader of the First Squadron of the

Zhengzhou Public Security Bureau

: It is understood that after the money enters the company, it will be divided up by their staff at all levels. The entire operating model of this company is to burn the money of the elderly. .

　　With the gradual improvement of the anti-fraud awareness of the elderly, in October 2020, this so-called pension company closed down. Only Fu, the person in charge of the company, continued to maintain the relationship with the elderly, and paid 500 yuan and 1,000 yuan from time to time to stabilize the elderly.

In the later stage, Fu even threatened the old man from time to time, so that the old man did not dare to call the police, and at the same time hid his identity to avoid attack.

　　Zhengzhou police launched a network closing operation after obtaining relevant evidence.

The fraud gang is suspected of defrauding more than 70 elderly people and involving more than 7 million yuan. At present, the police have taken criminal coercive measures against 14 suspects.

The case is still under further investigation.

Wang Wenming, Chief of the Criminal Investigation Brigade of the

Zhengzhou Public Security Bureau

: Don’t believe in these migratory bird-style and sojourn-style old-age care methods, and don’t believe in these high returns that are far higher than bank interest. Go to a regular nursing home.

If you need financial management, you must go to a formal financial institution.

Don't trust strangers, and don't transfer money to strangers, protect our wallets and hard-earned money.

(CCTV news client)