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How can the elderly prevent financial consumer fraud?Listen to expert advice

How can the elderly prevent financial consumer fraud?Listen to expert advice


By the end of 2023, the number of elderly people aged 60 and above in my country will reach 297 million. As the aging of the population continues to deepen, more and more elderly people pay attention to retirement reserves. The reporter learned during the interview that there are currently four types of financial consumption fraud targeting the elderly in society, and relevant experts reminded the public to take precautions.

  Beware of dividends from shares,

  “Traps” such as recharge and cashback

According to the “Risk Prevention Manual for Elderly Financial Consumers” jointly released by the China Research Center on Aging and China CITIC Bank, illegal fund-raising activities involve a wide range of contents and have complex and diverse forms. Due to lack of financial knowledge and insensitivity to the infringement of financial rights, the elderly, Without understanding of relevant policies, financial rights and interests may be easily infringed.

Gao Chengyun, director of the China Research Center on Aging, said that as my country’s aging process accelerates, the proportion of the elderly’s financial consumption demand in total social demand has gradually increased, while some elderly people lack financial knowledge. At the same time, the elderly are obvious “vulnerabilities” in the digital age. Group”, therefore, protecting the rights and interests of elderly financial consumers focuses on risk prevention.

Fang Jun, associate professor at the Law School of the University of Chinese Academy of Social Sciences, said that judging from the current illegal fund-raising cases involving the elderly, commonly used “baits” include dividends on shares, recharge cashback, prepaid consumption, membership development, premium repurchase, promised rebates, fake charity, fabrication Projects, high-profit fraud, investment and financial management, etc.

In this regard, Fang Jun suggested that formal financial institutions and channels should be chosen for investment and financial management; when it comes to “making money” and “investment”, one should discuss it with family or friends and make joint judgments to avoid causing economic losses; whenever it involves overseas investment, virtual You must reject currency investment, blockchain investment, etc.; when you encounter “guaranteed profits” or “high profits”, you cannot trust them easily; set the upper limit of investment funds and expenditure conditions according to your own financial situation.

  Prevent exploitation

  New scams such as virtual reality technology

Keep a close eye on the “money bag” of your pension. The elderly should be on guard against identifying telecommunications network fraud committed through phone calls, the Internet and text messages, especially new scams using virtual reality technology, as well as false claims of “housing for retirement”, making friends, keeping in good health, and painting and calligraphy. Collection and other forms of scams.

Chen Junhua, a professor at the Investment Department of the School of Management Science and Engineering at the Central University of Finance and Economics, said that criminals can impersonate anyone by using virtual face-changing technology and simulated human voice technology, making it difficult for the elderly to identify them. Therefore, the public should inform elderly relatives that as long as financial transfers are involved, even through video chat, the authenticity cannot be guaranteed and must be confirmed through multiple channels. In addition, we should also be on guard against two types of “strangers”: first, those who pretend to be tax bureaus, public prosecutors and other state agencies, threaten the elderly on the grounds that they are suspected of money laundering, have problems with their documents, tax evasion, etc., and produce false legal documents; second, those who pretend to be various people. Staff from large banks and other institutions or platforms use mobile banking upgrades, financial product upgrades or expirations as excuses to trick people into downloading fraudulent applications or logging into related fraudulent websites.

Chen Junhua put forward preventive suggestions. Elderly people can download the national anti-fraud application and actively learn anti-fraud knowledge; do not trust investment and financial management recommended by informal channels. Anything that advertises “insider information” and “stable and high returns” is a scam; encountered online When borrowing money from relatives and friends, be sure to confirm your identity first, because current technology can simulate human voices and portraits. Be sure to hang up the phone and call relatives and friends again to verify; do not recharge cash or invest through third-party software or websites. Such platforms usually It is a fake platform and can “run away” at any time; do not open information from unfamiliar sources; if you think you have encountered telecommunications network fraud or discovered telecommunications network fraud around you, you should dial 110 to call the police in time.

  Prevent the contents of the power of attorney

  and trustee qualification risks

In daily life, it is common for the elderly to “entrust others to do things”, so attention should be paid to preventing risks in the content of the power of attorney and the qualifications of the trustee.

Fang?, deputy director of the Institute of Aging Strategy and Policy at the China Center for Aging Science, said that when someone or an institution is entrusted to take care of money and property, the entrusted person is the trustee. If the trustee improperly exercises his rights, financial rights infringement may easily occur. The elderly should sign a power of attorney with the trustee.

Fang suggested that since the power of attorney gives the trustee the legal right to make decisions regarding the client’s money, real estate and other property, the elderly should choose a trustworthy trustee or institution and ensure that the other party understands the needs of the trust. Remember to carefully examine the qualifications of the organization and inform relatives, friends, etc. about the entrustment. If the trustee is an individual, he cannot choose someone with bad habits such as gambling as the trustee. If the power of attorney involves important assets such as real estate, be sure to read it carefully and think rationally before signing. It is best to request that the power of attorney be notarized.

  Guard against social platforms

  Risks such as data leakage

Currently, more and more elderly people use social software, such as WeChat, Douyin, etc., and they need to increase their awareness of safe and prudent use.

Wang Haitao, director of the Aging Finance Research Office of the China Research Center on Aging, said public internet like parks and shopping malls are usually unencrypted, so browsing and sharing data is unsafe. If an elderly person connects to such a network and initiates communication, skilled hackers can penetrate the communication. , monitor and steal the required information.

Wang Haitao suggested that the elderly should protect their personal ID numbers, social security account numbers, credit card numbers, passwords and other personal information, and never share personal information with strangers or any unofficial website. When you need to copy documents for business, you must clearly indicate the purpose, and indicate “This copy is only for XX use, and it is invalid for other uses” and the date of use in the area containing identity information. Access to free networks must be done with caution to ensure a safe network environment. Especially when online payment or bank account login is required, avoid using unfamiliar networks as much as possible.

In addition, check your personal credit history regularly and report fraud. If you find someone using your own name to open an account, it means there may be scammers trying to obtain personal information. You can log in to the official website of the Credit Reference Center of the People’s Bank of China (http://www.pbccrc.org.cn/) and check personal credit records in the “Internet Personal Credit Information Service Platform”.



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