普法讲堂｜警惕“三假”骗局 共守平安生活
<p style="text-align: center;"></p><p></p><section powered-by="xiumi.us" style="margin-top: 20px;margin-bottom: 20px;outline: 0px;color: rgb(16, 16, 16);font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;background-color: rgb(255, 255, 255);text-align: center;"><section data-lazy-bgimg="http://mmbiz.hc100.cn/mmbiz_png/qD7qia5WRVPf7DhKxQuAPgiaiaXAv8T9TRcDlPhQsDFk6h2hNEAxeSKNbMpfJLfMxkPnQ6KQLvXRotl5ow2rBFxcQ/640?wx_fmt=png" data-fail="0" style="outline: 0px;display: inline-block;background-position: 0% 0%;background-repeat: repeat;background-size: auto;background-attachment: scroll;border-style: solid;border-width: 1px;border-color: rgb(62, 62, 62);background-image: url(http://mmbiz.hc100.cn/mmbiz_png/qD7qia5WRVPf7DhKxQuAPgiaiaXAv8T9TRcDlPhQsDFk6h2hNEAxeSKNbMpfJLfMxkPnQ6KQLvXRotl5ow2rBFxcQ/640?wx_fmt=png);"><section powered-by="xiumi.us" style="margin-top: -10px;margin-bottom: 5px;outline: 0px;transform: translate3d(-5px, 0px, 0px);"><section style="padding: 5px;outline: 0px;display: inline-block;border-style: solid;border-width: 1px;border-color: rgb(219, 46, 52);"><section powered-by="xiumi.us" style="padding-right: 15px;padding-left: 15px;outline: 0px;font-size: 18px;text-align: justify;"><p style="outline: 0px;text-align: center;"><strong style="outline: 0px;"><span style="outline: 0px;text-align: justify;">警惕“三假”骗局 共守平安生活</span></strong></p></section></section></section></section></section><section powered-by="xiumi.us" style="margin-top: 20px;margin-bottom: 20px;outline: 0px;color: rgb(16, 16, 16);font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;background-color: rgb(255, 255, 255);text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;vertical-align: middle;width: 66.6875px;align-self: center;flex: 0 0 auto;height: auto;"><section powered-by="xiumi.us" style="outline: 0px;transform: perspective(0px);transform-style: flat;"><section style="margin-top: 5px;margin-bottom: 5px;outline: 0px;text-align: center;transform: rotateY(180deg);line-height: 0;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;width: 44px;height: auto;"></section></section></section></section><section style="outline: 0px;display: inline-block;vertical-align: middle;width: 533.594px;align-self: center;flex: 0 0 auto;"><section powered-by="xiumi.us" style="outline: 0px;color: rgb(219, 46, 52);line-height: 1.8;text-align: justify;"><p style="outline: 0px;"><strong style="outline: 0px;">一、识别保险领域非法集资骗局</strong></p></section></section></section><section powered-by="xiumi.us" style="margin-bottom: 0px;padding-right: 10px;padding-left: 10px;outline: 0px;color: rgb(16, 16, 16);font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;background-color: rgb(255, 255, 255);"><p style="margin-bottom: 20px;outline: 0px;text-indent: 2.125em;">近年来，保险领域非法集资案件时有发生，扰乱金融市场秩序，侵害人民群众财产安全，影响社会和谐稳定。据相关案例统计，保险领域非法集资案件主要通过假机构、假产品、假员工三大骗局进行。</p><p style="margin-bottom: 20px;outline: 0px;text-indent: 2.125em;"><strong style="outline: 0px;">一是假机构。</strong>不法分子将无资质的机构伪装成正规机构，打着与保险机构合作的旗号，谎称保险机构为其提供担保，通过设置虚假营业场所、伪造虚假保险合作协议、派发虚假宣传资料等方式，骗取消费者信任。</p><p style="margin-bottom: 20px;outline: 0px;text-indent: 2.125em;"><strong style="outline: 0px;">二是假产品。</strong>不法分子以“保险”为幌子，编造“高端养老”“绿色金融”等投资项目，虚构“高保障高收益”产品。假产品通过许诺高额“分红”“返利”，鼓吹“保本保息”“稳赚不赔”，诱导消费者购买。</p><p style="margin-bottom: 20px;outline: 0px;text-indent: 2.125em;"><strong style="outline: 0px;">三是假员工。</strong>不法分子冒充保险从业人员，售卖虚假的保险产品，承诺虚构的“额外利益”。甚至随身携带伪造的“单位公章”出具假保单，或直接以个人名义出具“白条”诈骗消费者资金。</p></section><section powered-by="xiumi.us" style="margin-top: 20px;margin-bottom: 20px;outline: 0px;color: rgb(16, 16, 16);font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;background-color: rgb(255, 255, 255);text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;vertical-align: middle;width: 66.6875px;align-self: center;flex: 0 0 auto;height: auto;"><section powered-by="xiumi.us" style="outline: 0px;transform: perspective(0px);transform-style: flat;"><section style="margin-top: 5px;margin-bottom: 5px;outline: 0px;text-align: center;transform: rotateY(180deg);line-height: 0;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;width: 44px;height: auto;"></section></section></section></section><section style="outline: 0px;display: inline-block;vertical-align: middle;width: 533.594px;align-self: center;flex: 0 0 auto;"><section powered-by="xiumi.us" style="outline: 0px;color: rgb(219, 46, 52);line-height: 1.8;text-align: justify;"><p style="outline: 0px;"><strong style="outline: 0px;">二、三大锦囊破解“三假”骗局</strong></p></section></section></section><section powered-by="xiumi.us" style="margin-bottom: 0px;padding-right: 10px;padding-left: 10px;outline: 0px;color: rgb(16, 16, 16);font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;background-color: rgb(255, 255, 255);"><p style="margin-bottom: 20px;outline: 0px;text-indent: 2.125em;"><strong style="outline: 0px;">（一）提前做好“三查”。</strong> “三查”包括“查机构”“查产品”“查员工”。一是通过国家金融监督管理总局等金融监管部门网站核查保险机构资质、保险产品备案信息及保险从业人员执业信息；二是通过保险机构网站、客服热线等官方渠道核实销售机构与保险机构合作的事实，鉴别相关合同文本、公章、发票等材料的真实性。 </p><p style="margin-bottom: 20px;outline: 0px;text-indent: 2.125em;"><strong style="outline: 0px;">（二）提防高额回报套路。</strong>消费者需牢记，高收益往往伴随着高风险，不要盲目轻信“高息保险”“高息理财”等诱惑，更不要抱有“赚一把就出来”的侥幸心理。</p><p style="margin-bottom: 20px;outline: 0px;text-indent: 2.125em;"><strong style="outline: 0px;">（三）妥善保管个人信息。</strong>消费者应谨记不随意向他人提供身份证号码等重要个人信息，不点击可疑链接，不扫描可疑二维码，避免个人信息泄露。</p><p style="outline: 0px;text-indent: 2.125em;">总之，消费者应时刻警惕“三假”非法集资骗局，如发现涉嫌非法集资线索，应及时向公安机关报案或者向监管部门举报。让我们携手共防非法集资活动，共筑资金安全防线，共守和谐平安生活。</p></section><p></p><p style="outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-align: center;color: rgb(62, 62, 62);background-color: rgb(255, 255, 255);font-size: 15.9375px;"><br style="outline: 0px;letter-spacing: 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