At The End Of The Year Five Major Financial Fraud: Insurance False Dividends Let Money Disappear.

"Do you have the intention to invest in gold?" "the stock code XXXXXX is trading in the afternoon. Don't blame me for not telling you." At the end of the year, along with the hot money of consumers, all kinds of stocks, gold and fund-raising fraud were more and more rampant, making it hard for investors to distinguish between true and false, and those who were deceived suffered heavy losses. Business reporter through in-depth investigation, exposing a number of financial areas Conduct financial transactions Fraud.

　　 Stolen bank card password "withdraw money" is not discussed.

Case shopping on the Internet brings convenience to consumers, but also lies in the potential of being cheated. Ms. Li is keen on " Taobao Online "Accidentally click on the web link and enter the" phishing website "designed by the cheater. The bank account is stolen and the password is stolen. As a result, shopping can not be stolen by a cheater.

Especially at the end of the year, bank customers cheated one case after another, from telephone to network to ATM machine, bank card, variety and constantly refurbishing, making bank customers impossible to guard against.

The most common hoax of banks is in addition to online payment. Phishing website The illegal theft of bank card information is also caused by the ATM machine, such as installing equipment to steal information on the ATM machine, or stealing the customer's funds from the ATM machine.

The Shanghai Pudong Development Bank (600000, stock bar) Beijing branch has reminded that if it is to withdraw money on the ATM machine, we should pay attention to whether the machine is suspected of being reformed or suspicious strangers. If you encounter problems like swallowing cards and cash withdrawals, you must dial the customer service telephone provided by the card issuing bank and the customer service telephone provided by the ATM machine screen, and you can also seek help from the ATM bank's business outlets.

There are many kinds of financial frauds in banking, and sometimes are "combined" crimes. For example, people often receive text messages or phone calls, claiming to be acquaintances or sending warm reminder messages from some banks, so that customers can reveal their own information. Earlier, there was a similar thing. An older citizen who had been caught cheating in a cheater and had been involved in a fraud in the English language on the ATM machine turned out hundreds of thousands of yuan deposits.

Comment: there are more and more financial frauds. The most important thing for bank customers is to be vigilant and prudent to prevent their information leakage. {page_break}

　 Underground fried gold

Forced liquidation of profits makes consumers unprepared.

Mr. Wang received a strange telephone call. The other side said that the London gold investment variety recommended will increase in price. The margin rate is only 1%, far lower than 10% of the domestic gold futures and gold T+D, and it can also be traded at night. Mr. Wang, after understanding, found some doubts. Mr. Wang found that the gold margin trading outside the formal channels should be deposited in the fry company account so that investors are always at risk of absconding with the frying company. Reporters learned that underground gold cheated is not uncommon.

To win or lose gold, we should look at our own skills, but people are not iron hit and can hardly trade day and night. If investors sleep at night, cell phones hang up just after a sound, investors are still in dreamland, but the next day they are found to be at a low level. If it is investigated, the frying company will call the investors to call for additional margin, but the investors have not answered the phone, so they have implemented the forced liquidation and investors have nowhere to say.

General fried gold companies will allow customers to bet on transactions, rather than all the reports are reported to the London Stock Exchange, in order to earn excess fees, but if the price of gold fluctuates greatly, do not be able to reverse customer's margin deposit, and can not smooth out, so profitable investors may not be able to draw profits.

The risk of underground gold speculation is not limited to this. In fact, some fried gold companies, if they are optimistic about the price of gold, will bet against short investors and leave more open lists. Once the price of gold continues to fall, the company will burst up, and all investors' funds will disappear.

Comment: lower margin and longer trading hours may not be a good thing. Regular gold futures and gold T+D are enough to meet the investment needs of investors, so investors are best not to participate in the existence. risk Deal.

　　 Telephone recommendation unit

Stock prices did not rise, but "stumble".

Case "Hello, miss, we are an investment company, we recommend the stock absolute guarantee yield, you can first free trial, and then make a decision..." Miss Lin, who has suffered a serious loss in the stock market, has often received similar phone calls lately. However, when she heard that she could try it for free on that day, Miss Lin still moved. Miss Lin tried to buy several stocks recommended by the recommended stock company, which made good profits, which made her spend 19998 yuan in hesitation and became a gold member of the company. After becoming a member, Miss Lin recommended the stock recommended by the stock company to make Miss Lin miss a continuous loss, basically buying what to drop.

There are not a few investors who have been cheated like Miss Lin. In fact, the illegal SMS or telephone recommendation mode has been extended for many years, and the regulatory authorities have investigated many fraudulent institutions, but they have been repeatedly banned or even more rampant. The reason is that this is a lucrative business. As long as several phones or cell phones are available, several people who can flicker can operate. Such illegal institutions often adopt the way of letting members "step by step." after recommending the stock's constant trading, investors are invited to invite investors to join. When investors become members, they begin to look forward to the good luck of their stocks in daily trading.

Comment: when investors choose legitimate securities investment advisory institutions to provide advisory services, we must pay attention to whether the client signs a written service contract, whether there is a special collection account to collect accounts, and if there is a lack, we should be vigilant.

　 Insurance premium

Let bankcard funds disappear

At the end of November, Ms. Wang received a phone call from a strange man claiming to be an insurance company worker, and told Ms. Wang that the bonus was to be distributed, and that she needed to provide a bank account to make the payment. After providing the account number, Ms. Wang, according to the guidance of the strange man, went to the bank to check whether the bonus had arrived. However, just after she put the bank card on the ATM and entered the password, the 7000 yuan deposit in the bank card disappeared. {page_break}

Although dividends are uncertain, dividends are paid every year. Some lawless elements seized the opportunity to take advantage of the dividend. Recently, this newspaper received many calls from consumers about being cheated.

Reporters understand that under normal circumstances, insurance companies will not use telephone notification to inform customers to distribute dividends, mostly by letter. An insurance company introduces customer service, calls special customers, is customer service line, but will not induce customers to provide accounts.

In fact, Insurance The company will set up a bonus account for the dividend insurance customers and enter the bonus of each year into the account. Insurance experts point out that if a client fails to apply for a bonus, the bonus will compound interest in the account.

Comments: customers should protect personal information and do not give them any opportunity. Once receiving a call from a company asking for dividends, it should be verified in time by a salesperson or customer service phone.

　　 Fund manager lobby

"Our fund ranks first".

Ms. Wu, a case investor, said that one day at the beginning of this year, she went to the bank to deposit money. She said, at the time, she was so heartbeat that she finally decided to buy the 50 thousand yuan fund because the salesperson said that the fund company ranked first last year, and the rate of return could win the deposit rate. "I don't know about the fund market. I think the first ranking fund will never lose. Who knows, this fund has lost nearly 30% this year.

This year only monetary fund income is positive, investors' dissatisfaction with the fund has escalated. When buying the fund, some exaggerated words of the consignor were accused of cheating.

In addition to fund performance, there are more frequent selling words: "new funds are cheaper, more likely to create high yield", "dividend advantage", "strong timing and stock selection capability, no big losses", "investment teams have made safety cushions", "investment funds should not just look at short-term gains, they must be in the long run, they will be profitable in two years", "you should pay attention to performance rather than cost".

Comment: we can not judge the quality of this fund by past performance. Historical data have repeatedly proved that yesterday's performance is not the guarantee of today. The top ten in the past year can not continue to the next year.