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

Summary of Publicity Activities to Prevent Illegal Fund-raising. Recently, according to the "Notice of the China Insurance Regulatory Commission on Carrying out the Special Publicity Month Activities of Preventing Illegal Fund-raising in the Insurance Industry in 2017", Hebei Insurance Regulatory Bureau "Forwarded the Notice of the China Insurance Regulatory Commission on Carrying out the 2017 Special Publicity Month Activities on Preventing Illegal Fund-raising" According to the relevant documents of the "Notice of the Special Publicity Month Activities on Preventing Illegal Fund-raising in the Insurance Industry>", in order to further promote the company's publicity and education work on preventing and combating illegal fund-raising, Sunshine Life Insurance Hebei Branch has concentrated on preventing and combating illegal fund-raising and concentrated publicity and education activities. To improve the risk awareness and prevention awareness of company insurance practitioners and insurance consumers.

The theme of this publicity month is "Establish risk awareness and stay away from illegal fund-raising". All institutions under the jurisdiction of Sunshine Life Insurance Hebei Branch focused on the theme of the event to strengthen the implementation of illegal fund-raising risk prevention and control responsibilities, increase social publicity, guide the public to establish risk prevention awareness, consciously stay away from illegal fund-raising, and at the same time continue to carry out compliance education to enhance the overall employees’ compliance awareness to prevent illegal fund-raising risks. Publicity work is mainly carried out in the following ways:

1. Workplace publicity

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

2. Internal and external publicity

Make full use of public service advertisements, video promotional videos, etc. to carry out vivid publicity and education. Promote prevention and handling of illegal fund-raising policies, regulations and typical cases through internal and external morning meetings, training meetings, lectures and other meetings, and organize new employees and field employees to sign commitment letters. For customers who come to the company to handle business, general notification materials on illegal fund-raising risks should be issued to customers.

In addition, the company will also take the initiative to go deep into communities, grassroots, public places, etc. through volunteer activities and Customer Service Day series activities, and distribute general notification materials, promotional materials, and post posters to prevent illegal fund-raising. and conduct face-to-face publicity to the public.

This prevention and crackdown on illegal fund-raising activities will further enhance the legal awareness and risk prevention awareness of all employees of the company, effectively safeguard their legitimate rights and interests, and promote social stability. Sunshine Life Insurance Hebei Branch will take this event as an opportunity to further strengthen publicity efforts in accordance with the relevant work requirements of the Hebei Insurance Regulatory Bureau, make the prevention of illegal fund-raising publicity activities a normal work, and make response to maintain a stable social and financial environment. Contribute.

Summary of Publicity Activities to Prevent Illegal Fund Raising Part 2

On April 25, 2017, 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, and the Ministry of Housing and Urban-Rural Development 14 state agencies including 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 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 the prevention and handling of illegal fund-raising should be based on the implementation of the spirit of the leadership instructions of the Party Central Committee and the State Council and the "Opinions of the State Council on Further Preventing and Handling Illegal Fund-raising", and on improving mechanisms and improving Focusing on policies, supervision of major cases, monitoring and early warning, and publicity and education, we have fully promoted the orderly development of prevention and handling of illegal fund-raising, and achieved positive results.

Ping An Life Insurance Fujian Branch launched the Prevention of Illegal Fund-raising Publicity Month this month to help everyone understand the true face of illegal fund-raising.

(1) Characteristics of general illegal fund-raising.

The first is to absorb funds without the legal approval of relevant departments or to borrow funds in the form of legal operations; the second is to publicly publicize to the society through the media, promotion meetings, flyers, mobile phone text messages, etc.; the third is to promise to provide funds within a certain period of time. Repay principal and interest or pay returns in the form of currency, physical objects, equity, etc.; fourth, absorb funds from the public, that is, unspecified objects in society. Currently, private investment and financing intermediaries, P2P online lending, farmer cooperatives, real estate, private equity funds and other fields are the hardest hit areas for illegal fund-raising.

(2) The main forms and methods of illegal fund-raising crimes in the insurance field.

1. Leading cases. It refers to insurance practitioners taking advantage of their positions or company management loopholes to commit fund-raising fraud under the guise of insurance products, insurance contracts or in the name of insurance companies.

The main means are: criminals fabricate insurance financial products, or promise additional benefits based on the original insurance products, or sign "financial management agreements on behalf of customers" with consumers to absorb funds; criminals issue fake insurance policies and write them on self-purchase receipts or company documents. The invalidated receipts are stamped with privately engraved official seals, or even directly issued IOUs to defraud funds.

2. Participatory cases. Refers to insurance practitioners’ participation in social fund-raising, private lending and agency sales of non-insurance financial products. The main methods are: insurance practitioners promote 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 the insurance company, with guaranteed capital and high yields; and induce insurance consumers to withdraw. Insure or pledge insurance policies to obtain cash to purchase non-insurance financial products.

3. Exploited cases. It refers to illegal institutions that use the credit of insurance companies to mislead and deceive investors and conduct illegal fund-raising. The main methods are: illegal institutions falsely claim to be in alliance with insurance companies, fabricate insurance and financial products for sale to the outside world, and illegally raise funds; they secretly change the concept of insured insurance or exaggerate insurance liabilities, claiming that the safety of investment projects (property) or funds is guaranteed by insurance companies. Conduct illegal fund-raising; forge insurance agreements, falsely claim that insurance companies provide credit performance guarantee insurance to investors, and use high interest rates as bait to carry out P2P business; use the name of insurance to attract investors in the name of establishing mutual insurance companies and obtaining high investment returns. Public investment, or publicity in the name of insurance using "mutual aid plans", crowdfunding, etc. as gimmicks, 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, try to do "three checks and two cooperation", that is, check personnel, products, and documents through the insurance company's website, customer hotline, or the website of the China Insurance Regulatory Commission and industry association, and cooperate well. Transfer payment and cooperate with return visits.

(4) The two main crimes involved in illegal fund-raising.

According to the provisions of the criminal law, engaging in illegal fund-raising may constitute the crime of illegally absorbing public deposits or the crime of fund-raising fraud. Illegally absorbing public deposits and fund-raising fraud both involve illegally absorbing public funds. On the surface, there are certain similarities. However, the perpetrators of illegally absorbing public deposits do not have the purpose of illegally possessing other people's property, while the perpetrators of fund-raising fraud are subjective. The above has the purpose of illegally possessing the funds raised.

(5) Legal provisions on the crime of illegally absorbing deposits from the public.

The crime of illegally absorbing public deposits refers to the act of violating the provisions of national financial management laws and regulations, illegally absorbing public deposits or absorbing public deposits in disguised form, and disrupting financial order. Whoever commits the crime of illegally absorbing deposits from the public shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or solely 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 10 years. Imprisonment and a fine of not less than 50,000 yuan but not more than 500,000 yuan.

If an individual illegally or disguisedly absorbs deposits from more than 30 people from the public, or the amount exceeds 200,000 yuan, or causes direct economic losses to depositors of more than 100,000 yuan, he shall be investigated for criminal liability in accordance with the law. .

(6) Legal provisions on the crime of fund-raising fraud.

The crime of fund-raising fraud refers to the act of using fraudulent methods to illegally raise large amounts of funds 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 10 years. , and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years of fixed-term imprisonment or life imprisonment, and also a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation. .

If an individual commits fund-raising fraud, and the amount exceeds 100,000 yuan, it shall be deemed as a "large amount"; if the amount exceeds 300,000 yuan, it shall be deemed as a "huge amount"; if the amount exceeds 1 million yuan, it shall be deemed as a "huge amount" The above shall be deemed as “especially huge amount”.

In the next stage, Ping An Life Insurance Fujian Branch will continue to improve the compliance system to prevent 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.

To prevent illegal fund-raising, we are taking action!

Summary of Publicity Activities to Prevent Illegal Fund-raising Part Three

Notice on Illegal Fund-raising Publicity and Educational Activities" (Lüyinjianban [2012] No. 59) and CCB Provincial The branch's "Notice on Organizing and Carrying out Publicity and Educational Activities to Prevent and Combat Illegal Fund-raising" (Jianjinjian [20xx] No. 6) and the spirit of the document further do a good job in publicity work related to handling illegal fund-raising from the source, and improve the public's prevention of illegal fund-raising and illegal activities. awareness and ability of criminal activities, maintain the stability of economic and financial order, formulate publicity plans based on actual conditions, and carry out publicity and education activities to prevent and combat illegal fund-raising. The activities are summarized as follows:

1. The leaders paid attention to it and organized it carefully. In order to let people fully understand the serious situation and harmful consequences of the current illegal fund-raising. The municipal branch shall make unified arrangements and organize the implementation. According to the requirements of the provincial branch, our bank established a team with Xie Zhuo, Secretary of the Party Committee and President of the Municipal Branch, as the team leader; Niu Jianwen, member of the Party Committee, Vice President, and Secretary of the Disciplinary Inspection Commission of the Municipal Branch as the deputy team leader; various departments are responsible for preventing and cracking down on illegal activities for members. Leading group for fund-raising publicity and education activities. The leading group office is located in the Department of Discipline Inspection and Supervision, and is responsible for leading the organization, coordination, and supervising all member departments to successfully complete their tasks.

2. Active implementation and focus on results

Our bank will carry out the activities in three stages.

First, each branch uses its outlets as a position, uses banners, display boards, and electronic displays as carriers to carry out various forms of publicity and education activities for the grassroots through on-site explanations, distribution of leaflets, etc., from Promote the manifestations and characteristics of illegal fund-raising in multiple aspects and angles, analyze typical cases, enhance citizens’ risk awareness and ability to identify, expand the publicity and influence of combating illegal fund-raising, remind the public of risks, and guide the public to consciously stay away from illegal activities Raise funds. Through this event, *** hung 25 promotional banners, 21 display boards, and 21 electronic display screens, distributed more than 47,000 promotional materials, and participated in on-site explanations for 68 people. It serves the purpose of warning the public about risks and guiding the masses to consciously stay away from illegal fund-raising.

The second is to strengthen business risk management and control, and carefully organize and carry out employee participation in illegal fund-raising risk investigations. In accordance with the unified arrangements and deployment of special governance of the head office and branches, the key points of the investigation work will be identified. 1. Directly organize and participate in illegal fund-raising or introduce others to participate in illegal fund-raising; 2. Use the person or the account he controls to transfer funds, or collect transfer funds on behalf of clients for illegal fund-raising; 3. Cooperate with pawn shops and small loan companies , the guarantee company has capital transactions; 4. If the customer is involved in the case or disappears due to illegal fund-raising, are there any employees in the industry involved?

Our bank adopts a paper-based inspection method, which is divided into two stages: self-inspection and mutual inspection. An investigation mailbox has been developed and placed in a non-monitored area. The investigation mailbox is locked exclusively and the key is kept in the Disciplinary Inspection and Supervision Department. A reporting hotline and reporting mailbox are set up to facilitate employees to discover those suspected of: directly organizing or participating in illegal fund-raising, or introducing Others participate in illegal fund-raising; use themselves or accounts controlled by themselves to transfer funds, or collect bridge funds on behalf of clients for illegal fund-raising; have financial transactions with pawn shops, small loan companies, and guarantee companies; customers are involved in illegal fund-raising cases or disappear , whether any employees in the industry are involved. Reports can be made by phone, letter, email, etc. During the investigation process, the personnel in positions prone to risks such as the heads of grass-roots institutions, branch heads, accountants, cashiers, personal banks, and credit will be the focus of the investigation. Based on the usual understanding and understanding of employees' thoughts and behaviors, employees who are prone to risks or have risks will be included in the investigation. Personnel with signs of bad behavior must be investigated to ensure that no blind spots are left and no doubts are missed.

This time, the Luliang Branch carried out a special investigation of employees participating in illegal fund-raising activities. 624 employees were supposed to participate in the investigation, and 624 employees were actually investigated. The investigation rate reached 100%, and no bad behavior was found.

The third is to organize discussion and writing activities.

On the basis of earnestly carrying out educational activities, combined with the actual work, starting from the actual situation of the organization, department, and position of the employees, the focus is on "how to comply with and implement the 'ban', operate according to the regulations, and improve Self-protection awareness, effective prevention and elimination of case risks" and other issues will be discussed and analyzed in a targeted manner. During the activity, employees wrote 450 articles about their learning experiences.

3. Establish a long-term education mechanism for employee education.

In order to further consolidate the effect of the activities, our bank has developed a long-term warning education mechanism to collect knowledge and relevant cases on illegal fund-raising, anti-money laundering and other behaviors, and regularly conduct warning education for employees to effectively improve employees’ ideological awareness and vigilance ability, and ensure All work is legal and compliant.

By carrying out publicity and education activities, employees and the public are fully aware of the dangers of illegal fund-raising, effectively enhancing the people's awareness of preventing illegal fund-raising, improving their ability to detect fakes and preventing fraud, and giving full play to publicity The positive role of the work is to "deter crime, build image, educate the public, and prevent risks." In the future, our bank will step up publicity and education activities to prevent and combat illegal fund-raising, so as to keep the masses away from illegal fund-raising and crime.