How to effectively prevent pension fraud

In recent years, the "silver economy" is attracting more and more market forces to participate, and many fraudsters have also taken advantage of the weaknesses of some elderly people, such as their focus on health care, lack of investment opportunities, and lack of discernment ability, in order to They were deceived under the guise of "investment rebates", "support for old age", "famous doctors and miracle medicines", etc., thereby achieving the purpose of defrauding money.

Two elderly people almost fell into a scam

Recently, a special campaign to crack down on pension fraud has been officially launched to standardize and rectify the hidden dangers of fraud in the name of "senior care". Here, banking institutions remind the elderly and their families to be more vigilant and enhance risk prevention awareness and identification capabilities.

At noon on June 30, citizen Granny Liu went to the Daxing Branch of Ya'an Rural Commercial Bank with an unexpired savings certificate and asked the teller to handle an early withdrawal for her, and would immediately withdraw all the cash. The teller on duty recognized that Granny Liu often handled business at the branch and withdrew 11,800 yuan in cash on June 29. This move attracted the attention of bank staff.

When the staff saw this, they inquired about its use in detail, and informed them of the loss of interest on early withdrawals, the need to make an appointment in advance for cash withdrawals of more than 50,000 yuan, etc., so as to stabilize the elderly's mood and delay time; while actively contacting the village where the elderly live. The village committee cadres hope to help find the elderly family members and verify the true situation. After multiple investigations, it was learned that Granny Liu was deceived after participating in a health care activity for the elderly. She withdrew the money to buy a so-called "jade mattress that can cure all diseases." With the patient persuasion of her family and bank staff, Granny Liu also discovered that this was a "health scam" and thanked the bank staff for their prompt dissuasion, which prevented her from losing property.

Nothing is unique. On June 13, Mr. Zhou, a citizen, also wanted to withdraw 60,000 yuan to buy a "jade mattress that can cure all diseases", but was promptly stopped by bank staff after being discovered.

“The elderly are prone to being targeted in ‘routines’, and there are both subjective and objective factors involved in this. The relevant person in charge of the banking institution said that the elderly group is easily out of touch with society and lacks understanding of policies and relevant professional information. Lagging and blind spots often make it impossible to effectively obtain information, and cannot effectively filter and identify information, making it easy for criminals to make up cover and take advantage of it. For example, in pension financial fraud targeting the elderly, fraudsters have taken advantage of some elderly people. Worried about "the old being homeless", they make up investment projects and promise high returns to trick the elderly step by step.

In addition, the elderly generally have certain savings and need investment channels, but in the consumer market for financial products. Most elderly people have become a vulnerable group of financial consumers due to their lack of financial knowledge, weak awareness of risks, gullibility, blind pursuit of high returns, etc., and are prone to fall into "financial management traps" and "financial management scams"

Enhance awareness of risk prevention?

The reporter found that there are four main types of fraud "routines" targeting the elderly: First, under the guise of investing in nursing homes, booking nursing home beds, and purchasing nursing home apartments. and other banners, using high dividends as bait to lure the elderly to invest in so-called "elderly care projects"; second, taking advantage of the elderly's lack of Internet knowledge and weak identification ability, use health care training and product promotion, high returns on investment and financial management, Live escorts and other means are used to set traps and induce consumption; the third is to deceive the elderly into buying "senior care products" such as health care products at high prices by providing free travel and sightseeing, emotional companionship, false propaganda and other means; the fourth is to use agency services for "early retirement" and "pension insurance" In the name of others, they charge material fees and benefit fees and commit fraud, seriously infringing on the property rights of the elderly and endangering their physical and mental health.

How can consumers prevent themselves from the many types of pension fraud and their complicated methods? >

“The elderly group has a weak awareness of risk prevention and requires joint efforts from all sectors of society to help them keep their ‘money bags’ safe. "A professional from a banking institution in our city said that financial institutions should actively fulfill their social responsibilities and help the elderly and their families to increase their awareness of vigilance and enhance risk prevention awareness and identification capabilities through centralized publicity and education activities. Optimize financial services and improve formal investment Financial management channels, etc., squeeze the "induction" space for criminals.

The elderly should enhance their awareness of rational investment and risk prevention, and consciously stay away from the vortex of illegal fund-raising. When purchasing drugs, health products, medical equipment and other products, they should go to regular pharmacies, hospitals and other legally qualified places. At the same time, we must be highly vigilant about using lectures, the Internet, TV, leaflet advertisements and other channels to promote products that have special effects, cure diseases, etc. The quality of these products is difficult to guarantee, and the prices are often inflated.

In addition, the elderly have a weak ability to bear risks. When making financial choices, they should put prudentness first, and must not believe the rhetoric of "low risk" and "high return." Be cautious when dealing with strangers, keep a clear head, and communicate more with family and friends before investing. If you are cheated, keep the evidence and call the police as soon as possible.