Summary of publicity activities to prevent illegal fund-raising and briefing on preventing illegal fund-raising

Summary of Publicity Activities for Preventing Illegal Fund Raising Recently, according to the Notice of China Insurance Regulatory Commission on Launching the Special Publicity Month for Preventing Illegal Fund Raising in 20 17 and the Notice of Hebei Insurance Regulatory Bureau on Forwarding the Special Publicity Month for Preventing Illegal Fund Raising in China, the relevant documents require that in order to further promote the publicity and education work of preventing and cracking down on illegal fund raising, Sunshine Life Hebei Branch will focus on the publicity and education activities for preventing and cracking down on illegal fund raising, so as to improve the insurance employees and insurance consumers of the company.

The theme of this publicity month activity is "establishing risk awareness and staying away from illegal fund-raising". Focusing on the theme of the event, all institutions under the jurisdiction of Sunshine Life Hebei Branch strengthened the responsibility of risk prevention and control of illegal fund-raising, increased social propaganda, guided the public to establish risk prevention awareness, consciously stayed away from illegal fund-raising, and continued to carry out compliance education to enhance the compliance awareness of all employees and prevent the risk of illegal fund-raising. Publicity work is mainly carried out in the following ways:

First, workplace publicity

Use the media, newspapers and other publicity media for publicity, and at the same time use the emerging media publicity channels such as WeChat for extensive publicity to the public. Use electronic display screens, publicity boards, LCD TVs and other carriers in the workplace, or vigorously publicize and prevent illegal fund-raising by hanging banners and posting posters.

Second, internal and external publicity.

Make full use of public service advertisements, videos, etc. Carry out vivid publicity and education. Publicize policies, regulations and typical cases to prevent and deal with illegal fund-raising through morning meetings, training meetings, lectures and other meetings, and organize new employees and on-site employees to sign letters of commitment. For customers who handle business in the company, general information materials on the risks of illegal fund-raising should be issued.

In addition, the company will also take the initiative to go deep into communities, grassroots units, public places and so on. Conduct face-to-face publicity to the public through volunteer activities and customer service festivals, and distribute general information materials, promotional materials and posters to prevent illegal fund-raising.

The prevention and crackdown on illegal fund-raising activities will further improve the legal awareness and risk awareness of all employees of the company, effectively safeguard the legitimate rights and interests of employees and promote social stability. Sunshine Life Hebei Branch will take this event as an opportunity to further intensify publicity according to the relevant work requirements of Hebei Insurance Regulatory Bureau, and take the prevention of illegal fund-raising publicity as a normal work to make due contributions to maintaining a stable social and financial environment.

Summary of publicity activities to prevent illegal fund-raising (2)

On April 25th, 20 17, the Supreme People's Court, the Supreme People's Procuratorate, the Ministry of Education, the Ministry of Industry and Information Technology, the Ministry of Public Security, the Ministry of Civil Affairs, the Ministry of Housing and Urban-Rural Development, the Ministry of Agriculture, the Ministry of Commerce, the People's Bank of China, the State Administration for Industry and Commerce, the China Banking Regulatory Commission, the China Securities Regulatory Commission, and the China Insurance Regulatory Commission 14 held an inter-ministerial joint meeting to deal with illegal fund-raising. At the meeting, Yang Yuzhu, director of the Office of the Joint Conference, said that in order to prevent and dispose of illegal fund-raising, we should implement the spirit of the instructions of the CPC Central Committee and the State Council and the Opinions of the State Council on Further Preventing and Disposing of Illegal Fund-raising, focus on improving the mechanism, policies, supervising major cases, monitoring and early warning, publicity and education, and make every effort to promote the orderly development of illegal fund-raising and achieve positive results.

This month, Fujian Branch of China Ping An Life Insurance Company of China Insurance Company launched a publicity month to prevent illegal fund-raising, leading everyone to know the true face of illegal fund-raising.

(A) the characteristics of general illegal fund-raising.

First, absorbing funds without the approval of relevant departments according to law or in the form of legal operation; The second is to publicize it to the public through the media, promotion meetings, leaflets, mobile phone text messages, etc. The third is to promise to repay the principal and interest or pay the return in the form of money, kind and equity within a certain period of time; The fourth is to absorb funds from the public, that is, social unspecified objects. At present, private investment and financing intermediaries, P2P peer-to-peer lending, farmers' cooperatives, real estate, private equity funds and other fields are the hardest hit areas for illegal fund-raising.

(two) the main forms and means of illegal fund-raising crime in the insurance field.

1. Advantage case. It refers to the behavior that insurance practitioners use their positions or loopholes in company management to commit fund-raising fraud under the guise of insurance products and insurance contracts or in the name of insurance companies. The main means are: criminals fabricate insurance wealth management products, or promise additional income on the basis of the original insurance products, or sign a "wealth management agreement" with consumers to absorb funds; Criminals issue fake insurance policies, stamp private official seals on self-purchase receipts or invalid company receipts, and even directly issue white slips to defraud funds.

2. Participatory cases. Refers to the participation of insurance practitioners in social fund-raising, private lending and consignment of non-insurance financial products. The main means are: insurance practitioners introduce insurance products and non-insurance financial products at the same time, confusing the nature of the two products; Insurance practitioners promise that non-insurance financial products are guaranteed by the reputation of insurance companies, with guaranteed capital and high yield; Induce insurance consumers to surrender or pledge policies to obtain cash to buy non-insurance financial products.

3. Cases of exploitation. It means that illegal institutions use the credit of insurance companies to mislead and deceive investors to raise funds illegally. The main means are as follows: illegal institutions falsely claim to be associated with insurance companies, fictional insurance wealth management products are sold to the outside world, and illegal fund-raising is carried out; Stealing the concept of insurance coverage or exaggerating insurance liability, claiming that the safety of investment projects (property) or funds is guaranteed by insurance companies, and illegally raising funds; Forge insurance agreements, falsely claiming that insurance companies provide credit performance guarantee insurance for investors, and at the same time carry out P2P business with high interest rates as bait; In the name of insurance, in the name of establishing mutual insurance companies, attracting public investment and obtaining high return on investment, or using "mutual aid plan" and crowdfunding as gimmicks to publicize in the name of insurance, which is suspected of inducing the public to participate in illegal fund-raising.

(3) How to identify illegal fund-raising in the insurance field.

In the process of purchasing insurance, we should try our best to achieve "three checks and two cooperations", that is, check the personnel, products and certificates through the websites of insurance companies, customer hotlines or the websites of China Insurance Regulatory Commission and industry associations, cooperate with the transfer, compensation and return visits.

(4) Two major crimes involved in illegal fund-raising.

According to the criminal law, engaging in illegal fund-raising may constitute the crime of illegally absorbing public deposits or the crime of fund-raising fraud. Illegal absorption of public deposits and fund-raising fraud both involve illegal absorption of public funds. On the surface, there are some similarities, but the actor who illegally absorbs public deposits does not have the purpose of illegally possessing other people's property, while the actor who commits the crime of fund-raising fraud subjectively has the purpose of illegally possessing the raised funds.

(five) the legal provisions of the crime of illegally absorbing public deposits.

The crime of illegally absorbing public deposits refers to the act of illegally absorbing public deposits or absorbing public deposits in disguised form in violation of the provisions of national financial management laws and regulations, disrupting financial order. Whoever commits the crime of illegally absorbing public deposits shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or only be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan.

Individuals who illegally or in disguised form absorb more than 30 public deposit objects, or the amount is more than 200,000 yuan, or cause direct economic losses to depositors of more than 654.38+10,000 yuan, shall be investigated for criminal responsibility according to law.

(six) the legal provisions of the crime of fund-raising fraud.

The crime of fund-raising fraud refers to the illegal fund-raising by fraudulent means for the purpose of illegal possession. Whoever commits the crime of fund-raising fraud and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.

Individuals who commit fund-raising fraud and the amount is more than 654.38+10,000 yuan shall be deemed as "a large amount"; If the amount is more than 300,000 yuan, it shall be deemed as "a huge amount"; If the amount is more than 6,543,800 yuan, it shall be deemed as "extremely huge".

In the next stage, China Ping An Life Insurance Company of China Fujian Branch will continuously improve the compliance system for preventing illegal fund-raising, actively cooperate with relevant departments to carry out relevant work, effectively resist illegal fund-raising and protect customers from illegal fund-raising. Prevent illegal fund-raising, we are in action!

Summary of publicity activities to prevent illegal fund-raising (3)

Notice on Launching Publicity and Education Activities on Illegal Fund-raising (Jian Yin Jian Bao [2012] No.59) and Notice on Organizing Publicity and Education Activities on Preventing and Combating Illegal Fund-raising (Jian Yin Jian [20xx] No.6) of CCB Provincial Branch and the spirit of the document, further do a good job in the publicity work related to handling illegal fund-raising, improve the public's awareness and ability to prevent illegal fund-raising criminal activities, and maintain the stability of economic and financial order. These activities are summarized as follows:

First, leaders attach importance to it and organize it carefully. In order to let people fully understand the grim situation and harmful consequences of illegal fund-raising. Unified deployment by the city branch, the city branch to organize the implementation. According to the requirements of the provincial branch, the bank established Xie Zhuo, Party Secretary and President of the Municipal Branch, as the team leader; Niu Wen Jian, member of the Party Committee, vice president and secretary of the Disciplinary Committee of the Municipal Branch, served as vice president; Leading group for publicity and education activities to prevent and crack down on illegal fund-raising attended by various departments. The office of the leading group is located in the discipline inspection and supervision department, which is responsible for leading the organization, coordination and supervision of all member departments to successfully complete their tasks.

Second, actively implement results-oriented.

Our activities will be carried out in three stages.

First, branches take outlets as positions, banners, exhibition boards and electronic display screens as carriers, and carry out various forms of publicity and education activities at the grassroots level through on-site explanations and leaflets, publicize the manifestations and characteristics of illegal fund-raising from multiple directions and angles, analyze typical cases, enhance citizens' risk awareness and discrimination, expand the publicity and influence of cracking down on illegal fund-raising, remind the public of risks, and guide the masses to consciously stay away from illegal fund-raising. Through this activity, * * * hung 25 publicity banners, 2 1 display boards and 2 1 electronic display screens, distributed more than 47,000 publicity materials, and participated in 68 on-site presentations. It has played the purpose of reminding the public of risks and guiding the masses to consciously stay away from illegal fund-raising.

The second is to strengthen business risk management and control, and seriously organize employees to participate in illegal fund-raising investigations. According to the unified arrangement and deployment of the special governance of the head office and branches, the investigation work will be focused on. 1. Directly organizing, participating in illegal fund-raising or introducing others to participate in illegal fund-raising; 2. Use the account transition funds controlled by myself or myself, or collect the transition funds on behalf of customers for illegal fund-raising; 3. Having funds in pawn shops, small loan companies and guarantee companies; 4. If the customer is involved or missing due to illegal fund-raising, are there any employees involved in the bank?

The Bank adopts a paper survey method, which is divided into two stages: self-examination and mutual investigation. The investigation mailbox has been set up and put in an unsupervised place. The investigation mailbox is locked for special use. Keys are kept in the discipline inspection and supervision department, and report telephones and email boxes are set up to facilitate employees to find suspects: those who directly organize or participate in illegal fund-raising, or introduce others to participate in illegal fund-raising; Use the account transition funds controlled by myself or myself, or collect the transition funds on behalf of customers for illegal fund-raising; Having funds in pawn shops, small loan companies and guarantee companies; If a customer is involved or missing due to illegal fund-raising, are there any employees involved in the bank? You can report by telephone, letter, email, etc. In the process of investigation, we will focus on the positions that are prone to risks, such as heads of grass-roots institutions, heads of outlets, accountants, cashiers, personal banks, credit, etc., and according to the dynamic understanding and mastery of employees' thoughts and behaviors at ordinary times, we will investigate those who are prone to risks or bad behaviors, so as not to leave dead ends and doubts.

Lvliang Branch conducted a special investigation on employees' participation in illegal fund-raising. Of the 624 employees who should have participated in the survey, 624 were actually surveyed, and the survey rate reached 100%. No bad behavior was found.

The third is to organize discussion and writing experience activities.

On the basis of earnestly carrying out educational activities, combined with the actual work, starting from the actual situation of employees' own institutions, departments and posts, around the issues of "how to abide by and implement the' ban', standardize operations, improve self-protection awareness, and effectively prevent and eliminate case risks", during the activities, employees wrote 450 articles about their learning experience.

Third, establish a long-term education mechanism for employee education. In order to further consolidate the effect of the activities, the Bank has established a long-term warning education mechanism, collected knowledge of illegal fund-raising and anti-money laundering and related cases, and regularly conducted warning education for employees, effectively improving their ideological awareness and vigilance, and ensuring that all work is legal and compliant.

Through publicity and education activities, the employees and the masses are fully aware of the dangers of illegal fund-raising, effectively enhance their awareness of preventing illegal fund-raising, improve their ability to recognize fakes and prevent fraud, and give full play to the positive role of publicity work in "deterring crimes, establishing an image, educating the public and preventing risks". In the future, our bank will step up publicity and education activities to prevent and crack down on illegal fund-raising so as to keep the broad masses away from illegal fund-raising and crimes.