国家金融监督管理总局发布风险提示
<div class="wx_rich_media_content" id="jsWxContainer"><p><span class="wxart_image" wx-style='display:inline-block;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;white-space: normal;text-align: center;background-color: rgb(255, 255, 255);visibility: visible !important;width: auto !important;'></span></p><p><br></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; visibility: visible;'><span style='outline: 0px;color: rgb(0, 122, 170);visibility: visible;'><strong style='outline: 0px;visibility: visible;'>这份风险提示请收好：防范冒用金融监管名义实施诈骗</strong></span></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; visibility: visible;'><br style='outline: 0px;visibility: visible;'></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; visibility: visible;'>针对近期有不法分子冒充金融监管部门或者工作人员，打着“P2P清退回款”“消除不良征信”“受理投诉”等旗号实施诈骗，国家金融监督管理总局7月12日发布风险提示，提醒广大金融消费者提高警惕，增强反诈意识和识别能力，保护好个人信息和财产安全。</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; visibility: visible;'><br style='outline: 0px;visibility: visible;'></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; visibility: visible;'><span class="wxart_image" wx-style='display:inline-block;outline: 0px;visibility: visible !important;width: 677px !important;'></span></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; visibility: visible;'><span style='outline: 0px; color: rgb(136, 136, 136); visibility: visible;'>图片来源：新华社发</span></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; visibility: visible;'><br style='outline: 0px;visibility: visible;'></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; visibility: visible;'>冒充金融监管部门实施诈骗的手法通常有以下几种：</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; visibility: visible;'><br style='outline: 0px;visibility: visible;'></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; visibility: visible;'><strong style='outline: 0px;visibility: visible;'><span style='outline: 0px;color: rgb(123, 12, 0);visibility: visible;'>手法一：伪造金融监管部门文件实施诈骗。</span></strong>不法分子冒用国家金融监督管理总局名义，通过电话短信、快递信函、互联网等渠道，发布“P2P出借人风险专项清退通知”“金融平台清退通知”等虚假信息，引诱投资人通过所谓“官方回款渠道”进行“清退登记”。投资人注册登记后，不法分子再以需要缴纳保证金等作为回款条件，诈骗投资人钱财。</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; visibility: visible;'><br style='outline: 0px;visibility: visible;'></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; visibility: visible;'><strong style='outline: 0px;visibility: visible;'><span style='outline: 0px;color: rgb(123, 12, 0);visibility: visible;'>手法二：假冒金融监管部门受理投诉实施诈骗。</span></strong>消费者在非官方渠道投诉后，不法分子利用非法获取的消费者手机号码、投诉内容等信息，以“解决投诉”“理赔退费”等为由联系消费者，诱导其点击“XX监管部门在线理赔中心”等虚假链接或者利用视频会议软件创建所谓“XX监管部门会议室”，诱骗登录并开启屏幕共享，从而骗取银行卡号、网银密码、验证码等重要信息，盗取消费者资金。</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; visibility: visible;'><br style='outline: 0px;visibility: visible;'></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; visibility: visible;'><strong style='outline: 0px;visibility: visible;'><span style='outline: 0px;color: rgb(123, 12, 0);visibility: visible;'>手法三：冒充金融监管人员以“消除征信不良记录”实施诈骗。</span></strong>不法分子假冒金融监管部门工作人员，利用非法收集的银行卡号、贷款额度等个人信息，通过电话、社交软件等联系消费者并骗取信任，谎称消费者在使用信用卡、互联网贷款等借贷产品时产生逾期记录，将被列入“征信黑名单”，如要“修复征信”，需向指定的“专用账户”转入资金进行“信用佐证”，并称该笔款项随后将予退回。一旦消费者信以为真操作转账，不法分子迅速转移资金并藏匿。</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;'><br style='outline: 0px;'></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;'>以上诈骗手法均为非法冒用金融监管部门名义，利用部分金融消费者急于解困、挽回损失、自证清白等心理特点进行诈骗。为保护广大消费者信息安全、财产安全等合法权益，金融监管总局提示：</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;'><br style='outline: 0px;'></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;'><strong style='outline: 0px;'><span style='outline: 0px;color: rgb(123, 12, 0);'>一、金融监管部门不直接办理金融业务，也不会与消费者有任何资金往来。</span></strong>金融监管部门从未设立或者授权设立P2P、投资理财等“回款渠道”，不会通过QQ群、微信群、交易平台等面向社会公众开展资金清退工作。</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;'><br style='outline: 0px;'></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;'><strong style='outline: 0px;'><span style='outline: 0px;color: rgb(123, 12, 0);'>二、选择正规机构的合法金融服务。</span></strong>消费者如果有借款、理财、保险等金融需求，应通过具备相应业务资质的机构获取金融服务。切勿盲目相信陌生来电、短信、广告传单、社交媒体等非正规途径推销的“低息快捷”“免抵押担保”贷款业务及“保本高收益”理财产品等。</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;'><br style='outline: 0px;'></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;'><strong style='outline: 0px;'><span style='outline: 0px;color: rgb(123, 12, 0);'>三、加强个人信息保护，谨防信息泄露。</span></strong>对于不明来源的“内部消息”以及非官方渠道发布传播的信息，消费者要仔细辨识，妥善保管身份证号、银行卡号及密码、验证码等重要信息，不点击不明链接或者下载不明APP，不与陌生人共享屏幕，审慎对外提供个人信息，避免因信息泄露造成财产损失。</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;'><br style='outline: 0px;'></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;'><strong style='outline: 0px;'><span style='outline: 0px;color: rgb(123, 12, 0);'>四、通过官方渠道合法合理维权。</span></strong>因金融产品或者服务问题与金融机构发生争议的，消费者可优先选择金融机构公布的官方投诉受理渠道进行处理；未达成一致的，可向当地金融纠纷调解组织申请调解或者向金融监管部门反映。切勿随意点击或者打开陌生人发送的所谓“官方投诉链接”。</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;'><br style='outline: 0px;'></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;'><strong style='outline: 0px;'><span style='outline: 0px;color: rgb(123, 12, 0);'>五、发现犯罪线索或者遭遇损失及时报案。</span></strong>一旦遭遇诈骗或者发现涉嫌违法犯罪线索，消费者应及时向公安机关报案反映有关情况，不可轻信网络上自称“网警”“黑客”等组织或者人员，避免再次受骗。同时，注意留存证据，积极提供线索，配合公安机关案件侦查，尽力挽回损失。</p><section style='margin-right: 16px; margin-left: 16px; outline: 0px; text-indent: 0em; letter-spacing: 0.544px; line-height: 2em; visibility: visible;'><span class="wxart_image" wx-style='display:inline-block;outline: 0px;vertical-align: inherit;letter-spacing: 0.544px;font-size: 16px;text-indent: 2em;text-align: left;display: inline;font-family: 微软雅黑;visibility: visible !important;width: auto !important;'></span><br data-filtered="filtered" style='outline: 0px;visibility: visible;'></section><section style='outline: 0px; letter-spacing: 0.544px; font-size: 16px; visibility: visible;'><section style='outline: 0px;letter-spacing: 0.544px;border-width: 0px;border-style: none;border-color: initial;visibility: visible;'><section style='outline: 0px;border-width: 0px;border-style: none;border-color: initial;visibility: visible;'><section style='outline: 0px;line-height: 2em;visibility: visible;'><section style='outline: 0px;display: inline-block;visibility: visible;'><section style='outline: 0px;border-width: 0px;border-style: none;border-color: initial;visibility: visible;'><section style='outline: 0px;visibility: visible;'><section style='outline: 0px;display: inline-block;visibility: visible;'><section style='outline: 0px;letter-spacing: 0.544px;visibility: visible;'><section data-color="#cc3f0a" data-custom="#cc3f0a" style='outline: 0px;letter-spacing: 0.544px;border-width: 0px;border-style: none;border-color: initial;visibility: visible;'><p style='outline: 0px;visibility: visible;'><span style='outline: 0px;font-size: 17px;visibility: visible;'><br></span></p><p style='outline: 0px;visibility: visible;'><span style='outline: 0px;font-size: 17px;visibility: visible;'>来源：新华社、仙桃发布</span></p></section></section></section></section></section></section></section></section></section></section></div><p></p> 严厉打击金融诈骗。 中国股市就是大规模有组织金融诈骗集团，还有谁？ 支付宝贷款给学生，催到父母这里来了，学生没收入也能贷款？乱来
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