What is pension fraud?
Pension fraud is a kind of fraud against the elderly, criminals provide "pension services", invest in "pension projects", sell "pension products", declare "housing for the aged", agency "pension insurance", carry out "pension assistance" and other names, to infringe the legitimate rights and interests of the elderly.
below
Xiaobian takes you to understand the specific pension fraud methods
Case 1: The trap of "agent surrender"
After illegally obtaining insurance policy information, criminals encourage the elderly to surrender insurance and purchase so-called "high-yield" wealth management products by denigrating insurance products and promising higher returns. After the elderly fall into a trap, criminals not only charge high "agency rights protection" fees, but even encroach on the elderly surrender funds.
Case 2: The trap of "housing for the aged"
Under the banner of "housing for the aged", criminals lure the elderly into mortgaged real estate to buy so-called "wealth management products" and promised to pay high interest. In fact, mortgage loans are handled with the real estate of the elderly, and after obtaining the funds, they are misappropriated or even squandered by criminals. Once the capital chain is broken, the elderly will not only be unable to recover the principal and obtain benefits, but will also face the risk of the property being forced to auction.
Case 3: The trap of "investment and financial management"
Under the banner of "state support" and "policy subsidies", criminals defraud them with the gimmick of "low risk and high return" by fictitious investment and financial management projects or exaggerated investment returns. Criminals first encourage the elderly to "make small investments", and then "high rebates" on time, and then induce the elderly to increase the amount of investment, and once they receive large funds, they will run away.
In response to the above three types of traps to defraud the elderly of pension money, the police tips:
First, do not believe in "partial doors" and do not greed for "small profits", and increase vigilance to prevent fraud. On the one hand, they do not believe in "partial doors", and all kinds of financial business must be handled through formal institutions and channels; Don't be greedy for "small profits", remember the truth that "pies will not fall from the sky". On the other hand, learn more about financial knowledge, understand financial products and handling procedures from formal channels, and improve the ability to prevent risks.
Second, the elderly should not be confused by the rhetoric of "capital preservation and high interest" and "guaranteed income". The formal "housing for the elderly" is the "housing reverse mortgage pension insurance for the elderly" implemented by the state. Specifically, the elderly who have full legal property rights to the house mortgage the property to the insurance company, continue to have the right to occupy, use, benefit and dispose of the house with the consent of the mortgagee (insurance company), and receive a pension according to the agreed conditions until death. After the death of the elderly, the insurance company obtains the right to dispose of the mortgaged property, and the proceeds from the disposal will be used to reimburse the expenses related to pension insurance.
The lawbreakers claim that "housing for the elderly" is only a fraud in the name of national policies, the elderly should understand the housing pension policy from formal channels, do not be confused by "capital protection and high interest" and "guaranteed income" and other rhetoric, to avoid falling into the trap.
Third, investment and financial management should choose formal institutions and channels. The elderly should strengthen the concept of rational investment and financial management, remember that "investment is risky", be wary of all kinds of investment and financial management projects that advertise "low risk and high return", and do not be tempted by "high return" to invest impulsively. Investment and financial management should choose formal institutions and channels, and multi-party verification of investment projects should be treated with caution.
Finally, please keep in mind the following paragraph of pension fraud, be sure to send it to your parents or relay it to them:
Don't be tempted by low-cost travel, there are many scams
Pension investment should be careful, illegal fundraising pit principal
Godfather and godmother call dear, fool your pension
There are many routines in the brick house, and the people sitting next to them are all Tor
Don't claim the free pie, there is a big trap behind it