Young people are the most gullible type. After 90, it has become a new generation of leeks, and the number of deceived people is far ahead. In the face of rampant swindlers, many people see through the routine and try to fight back, but they are still cheated out of everything. The most gullible young man.
The type that young people are most likely to be deceived 1 In recent years, cyber crimes represented by telecommunication network za fraud have developed rapidly, and za fraud methods are constantly being refurbished and hard to prevent. From the "tea girl" in WeChat chat to the blind date you meet on the dating site, you never know whether you are chatting with a lady with a secret heart or a stingy man who intends to make money at the other end of the telecommunication network.
Beijing Art Broadcasting "Let's Go" invited Wang Jing, deputy section chief of the Supervision and Protection Section of the Financial Consumer Rights Protection Department of the Business Management Department of the People's Bank of China, and Yang Qiao, deputy general manager of the Consumer Rights Protection Department of China Everbright Bank Beijing Branch, to popularize how to prevent financial za fraud.
Among all kinds of za scams, telecom za scams such as "winning the prize" and "returning taxes and fees" are the highest, and 46.73% of the respondents said they had encountered such situations, followed by investment and financial management za scams under the guise of "high income and low risk", and 43.93% of the respondents said they had encountered them.
Among all the interviewees who suffered from financial fraud, more than a quarter were hurt by fraud, resulting in subsequent economic losses. Among the deceived people, the cheating rate of 18-22 years old group is high, and 42% of the respondents said that they had suffered losses due to za fraud. Among people aged 23-29, 30-39, 40-49 and 50-59, the proportion of losses caused by za fraud is 26.5 1%, 23.8 1%, 22.58% and 28.57% respectively.
What is financial za fraud?
For the purpose of illegal possession, fabricating facts or concealing the truth, defrauding public or private property or the credit of financial institutions, and undermining the order of financial management.
Common types of 10 financial za fraud and its cracking countermeasures
First, illegal fund-raising and fraud
Criminals promise high returns, fabricate or exaggerate investment projects, and use false propaganda to create momentum to defraud funds. In recent years, popular P2P peer-to-peer lending, illegal issuance of high-yield private equity funds, and high cash back network integral mall are all suspected of illegal fund-raising.
Countermeasures: Don't be credulous, don't covet high return on investment, and check relevant qualifications when necessary.
Second, the fake public security organ staff cheated us.
The criminals phoned the victims by impersonating the staff of state organs such as the Public Prosecution Law, and asked them to transfer their funds to the so-called national designated account to cooperate with the investigation on the grounds that the victim's identity information was stolen and suspected of money laundering.
Countermeasures: Don't be credulous, and communicate with family or friends in time when necessary.
Third, the false leader was taken in.
Criminals pretended to be the leaders of the unit or the staff around them to call the main person and asked to come to the office. Soon, they called to say that they needed money in an emergency and didn't come, asking the victim to remit money to their account.
Countermeasure: Don't be credulous. If necessary, contact the leader or colleagues for confirmation.
Fourth, fake others' WeChat, QQ number and other za scams
Criminals steal others' WeChat, QQ, email, etc. Send relevant information to friends to defraud trust, and then ask for remittance to the designated account for za fraud.
Countermeasure: Don't be credulous. If necessary, you should communicate directly with your friends by telephone in time to confirm the authenticity.
Five, pretending to be a bank fraud.
In the name of the bank, send emails, send text messages, etc. Lie to the victim about reasons such as system upgrade, ask the victim to log in to the designated link to update, and finally get the victim's bank account number, password, etc. , thus committing a crime.
Countermeasure: Don't be credulous. If necessary, contact the bank customer service directly for confirmation.
Sixth, we cheat in fictional winning.
The criminals sent the winning information to the victim in the name of a well-known program group, lied that the victim was selected as a lucky audience, and tricked the victim into sending money to the designated account on the pretext of paying handling fees and deposits.
Countermeasures: Don't be credulous, record programs, participate in winning prizes, etc. Generally, there is no charge, and it should be verified if necessary.
Seven, QR code za cheat
Criminals use price reduction, incentives and other means. As bait, victims are required to scan the QR code to join the membership, but in fact they are accompanied by Trojan virus. Once scanned and installed, personal information such as personal bank account number and password will be leaked.
Countermeasures: Don't scan the QR code of credulous, unknown origin and non-authoritative shopping platforms.
Eight, fictional car accident, kidnapping our liar
Criminals demand that relatives or friends of victims suffer from car accidents, kidnappings, etc. They need to deal with traffic accidents urgently and pay ransom. And ask the other party to remit money to the designated account immediately.
Countermeasures: Don't be credulous, communicate with family or friends in time if necessary, or call the police.
Nine, express delivery signing for fraud
Criminals pretended to be couriers to call the victims, claiming that the couriers didn't sign for it or couldn't see the specific address and name clearly, and asked for their names, addresses, mobile phone numbers and ID numbers.
Countermeasure: Don't be credulous. Once personal information is leaked to others, it will bring security risks or property losses to bank cards and credit cards under your name.
X. Financial transaction za fraud
In the name of a securities company, criminals spread the inside information and trends of false stocks through telephone calls, text messages and other forms, requiring the victims to buy futures and spot on their own false trading platforms and implement za fraud.
Countermeasure: Don't be credulous. If necessary, you should consult a formal company.
According to the statistics of the Ministry of Public Security, in 2020, China * * * arrested 36 1 10,000 suspects of telecom za fraud, and the average performance of each liar can reach 750,000 yuan a year.
After 90, it became a new generation of leeks, and the number of deceived people was far ahead. According to the information of Zhejiang Provincial Public Security Bureau, in the first quarter of this year, more than half of the victims had college education or above.
In the face of rampant swindlers, many people see through the routine and try to fight back, but they are still cheated out of everything.
How do liars practice? Why is it so difficult to kill a liar?
How do contemporary young people let their wallets be hollowed out by scammers (Source: Netease Inspur Studio)
Liars have become more progressive than you think. Their scam library has everything from AI synthetic voice to COVID-19 vaccine reservation; For young people with high academic qualifications, there will be tailor-made deception.
You may be dealing with a swindler gang with such a database.
On 20 15, Liu received a phone call from the courier company, saying that there were 23 forged ID cards in the package he mailed from Wuhan.
Customer service transferred him to officer Jiang. Police officer Jiang gave him a number, and Liu found out that it belonged to Wuhan Public Security Bureau, so he believed in the police officer Jiang who used this number.
Police officer Jiang said that he was suspected of transnational drug trafficking and money laundering and handed him over to prosecutor Song. Under the guidance of prosecutor Song, Liu transferred all his funds to a management account for verification, and was finally cheated out of 70,000 yuan.
There are often dozens of criminal dens behind such a seemingly simple scam.
In this case, the express customer service, the police officer Jiang and the prosecutor Song are actually the first, second and third line operators of the group, both of whom belong to the Transportation Group. In parallel with it, there are often computer technology groups, money laundering groups and management groups.
The computer technology group is responsible for the equipment. One person can dial a large area with a webpage and make 40,000 calls a day. Among them, about 1000 unlucky people choose manual service after answering the phone.
Next, the money laundering team is responsible for managing the account, which is usually done by the outsourcing team.
Manage the team to recruit employees and organize speech training.
Under their leadership, za tricked the employees into centralized accommodation, unified management, strict system and clear rewards and punishments; Even the first, second and third lines within operators are strictly regulated and differentiated from each other; There are even performance requirements, and the performance rankings are updated every month.
And this is just one of the many dens where this "boss" sits, located in Southeast Asia.
With the process of globalization, swindlers' dens have developed from Southeast Asia, Africa, Europe and America to ethnic minority areas such as Nepal and Mongolia, and their management methods are also varied.
Some za fraud gangs send banners to the team with the first za fraud business, and some gangs hold TV programs to brainwash employees, just to make the newcomers in the team thoroughly remould themselves.
Gang crime combined, you can't find the north.
Such gangs often rely on a variety of advanced technologies, and it is easy to control multiple SIM cards at the same time, disguise calls and intercept short messages.
In addition to technical upgrading, they also study psychology seriously.
Liars backed by all kinds of support have no stage fright when they go online with real police. Liar za provokes the victims after cheating.
In the face of fraud, some angry victims tried to fight back, so they joined the za fraud gang, dug up the main members to set up za fraud company, and finally went to jail.
What should I do to fight back correctly?
If you realize that you have been cheated, the first task should not be to plan the anti-killing, but to call the police immediately.
If you don't realize that you are caught in a scam, the police may also remind you through text messages and telephone calls that you and people around you may have been cheated by telecom za.
However, to become a high-end fraudster, the most important thing is to further learn anti-za fraud knowledge.
According to the data of China Information and Communication Research Institute, the age of deceived users is concentrated in the post-90s, accounting for 63.7%, followed by the post-80s 19.6%. The proportion of deceived users after 00 is even higher than that of middle-aged and elderly people after 60.
Why are young people after 90 more and more easily cheated by online za?
The reason why young people are easily deceived is related to their own growth environment and life experience.
It can be said that this group of post-90s friends is a happy generation. It is also the backbone and new force of this society. Compared with post-70s and post-80s, post-90s young people are more fashionable and follow the trend. Whether it is the ability to accept new things and learn new knowledge, or the ability to adapt to the development of the times, the post-90 s have more advantages.
It can be said that a large number of post-90 s people have been exposed to the internet since birth, and have been exposed to successful studies, making money from the media, and working part-time online. Also exposed to the rapid development of this society. Coupled with the economic conditions at home and some of their own experiences, they are more likely to believe in projects and investment methods that can make money quickly, and it is easier to make money online. They have a strong ability to accept new things, but they may lack the ability to distinguish right from wrong.
Just like some post-90s mothers, they have extra time to take care of their children at home. Then brush short videos online and watch some videos related to success and entrepreneurship. Over time, I want to be an economically independent woman and a financially free woman. I thought, as long as I can make money. You don't have to look at whose face every day. Or I can make money to support my family and make my other half less hard. So they have been eager to make money, to succeed and to realize their dreams.
It is this kind of psychology and seeds that are budding. When you see "daily income 100 yuan, monthly income exceeds 10,000 yuan, you can make money by moving your fingers every day. As long as you have time to shop online, you can make money, ranging from 5- 10 yuan per order, which is suitable for Ma Bao and the majority of students and friends. " I want to make money, but I have no time to go out. It was at this time that I saw such a part-time advertisement and thought it was tailor-made for myself. So I didn't hesitate to believe the advertisement, contacted the other party and said I wanted to work part-time.
Making money is fake, but cheating is real. Many post-90s treasure moms brush 1 orders according to each other's arrangement, and get commissions around 5 yuan. They thought it was so easy to make money that they agreed to continue to work part-time. But in the end, I found that I still need to continue to brush, brush more, and need to complete the task before I can cash back. But at this time, thousands of dollars of deposits have been brushed away and transferred to other people's accounts.
I always feel that things are not good, but I always want to get the money I brushed in before. So the more you brush, the greater the loss. It turned out that this was a za scam, and I was the last one to get the news when I was cheated. Of course, the ending is sad. Didn't make any money, but lost tens of thousands. This is the scam of the network, and this is the harm of part-time job on the network.
In addition to the post-90 s treasure mom, many classmates and friends are also post-90 s. They always want to use their youth, handsomeness and cuteness to make money on the Internet. Can solve their own practical problems, such as earning living expenses and reducing the burden on their families. But this reality and the network are cruel, and finally fell into the network part-time brush za fraud. There are also those college students who have graduated, and they will also fall into za fraud posing as customer service refunds. Even be cheated to pretend to cancel the loan za, as well as the game account za.
In fact, the types that students are most easily deceived by za are imposters. Of course, it is also possible that most of these things are in line with men. The most shocking thing is that online dating kills pigs, which is aimed at female friends, especially those born after 90. According to age, the oldest post-90s generation should be over 30 years old. But female friends aged 25-30 are easily urged to get married.
In real life, the work pressure is great, and there is not so much time to find the right partner around. In addition, many men around them don't realize it, so many female friends turn to the internet to find their Mr. Right and Mr. Right in the vast sea of people.
However, in the end, when our post-90s friends think each other is good in all aspects, they can manage their finances, keep fit, be positive and upward, and the most important thing is to be caring and attentive to themselves every day. So I entrusted myself to the other side from the bottom of my heart, and the other side listened to everything. The other party's requirements will be met as much as possible, but in the end, it is discovered that the other party is trying to save his own money. When I found out that I had been cheated, I was in pain. Even when I learned that this matter was arranged from beginning to end, it was just a scam, I could not believe it.
Not only female friends will meet, but also male friends will meet. In fact, to put it more popularly, the online za deception routine is nothing more than aiming at human greed and lust. Some people are greedy for petty gains and will suffer big losses, such as greedy for tens of dollars in rental fees.
Some people want to make money quickly, and they will do the same thing, such as trusting the stocks recommended by others. If someone shares their life online, they will be used by za cheaters, such as za cheaters. Some people will be threatened if they want to have sex online and satisfy their desires. For example, Luo talked about our cheating.
Of course, there are also many ways of za's derailment, not because of greed, but because of their own cognitive problems. For example, pretending to be a public security law, pretending to be a customer service refund, and canceling loan za fraud. In fact, in my opinion, everyone may be cheated by za. Because in the face of za fraud, it has nothing to do with age and education. It depends on whether you can see through the scam and wake up in time. Therefore, preventing za fraud is also a crucial course.
Young people are more and more easily deceived, mainly because young people have great demand, whether for material or economic. Therefore, their needs will only be used by za fraudsters, leading to being defrauded by online za.
A person cheated by za is a combination of many factors, not so unprovoked. For example, if I can't find a boyfriend in reality, I will look online. But if you can have a boyfriend in reality, find a suitable one. I don't want to fall in love online, so I may not be cheated by the online killing pig disk za.
No matter what kind of person, as long as you have needs, as long as you have needs, you may be targeted by online za scams, and you may be deceived. At present, online za fraud has penetrated into every aspect of our lives. Be vigilant at all times, and at the same time learn and understand the prevention knowledge of online za fraud. In this way, when we meet one day, we can turn around quickly and see through the scam in time. It is very likely to avoid unnecessary economic losses and avoid being deceived.
The above is my knowledge and understanding of online za fraud. I hope more friends will pay more attention to and support the work of preventing za fraud. I'm Rollo, an anti-liar. Only by doing anti-cheating for the whole people can there be no cheating in the world!