Risk Warning丨Case Study: How Foreign Nationals in China Can Steer Clear of "Illegal Financial" Activities
典型案例（Typical Case）
外籍来华人员Mark接到自称某保险公司“理财顾问”的中文电话，对方称其持有的年金保险“收益太低”，可协助退保并转投“高息理财项目”，年化收益达10%。Mark信以为真，退保后转款50万元至对方指定账户，后发现对方失联，资金无法追回。经查，该机构伪造保险公司资质，实为非法集资团伙。
Foreign national Mark in China received a call in Mandarin from a self-proclaimed "financial advisor" claiming to represent an insurance company. The caller asserted that Mark's annuity policy had "low returns" and offered to help surrender it to switch to a "high-yield investment program" promising 10% annual returns.
Believing the offer legitimate, Mark surrendered his policy and transferred 500,000 RMB to a designated account. The "advisor" subsequently became unreachable, and the funds were irretrievable. Investigations revealed the organization had forged insurance licenses and was operating as an illegal fundraising scheme.
风险场景（Risk Scenarios）
外籍来华人员在中国可能会遇到的涉嫌“非法金融”活动的风险场景主要涉及换汇、高收益理财、网络博彩／配资、“代理维权”等。
1. 换汇：机场、酒店周边“黄牛”或微信群内所谓“高汇率”换汇，实为地下钱庄或诈骗。
2. 高收益理财：社交平台以“保本保息 20%”名义，诱导购买虚构的“境外保险”“对冲基金”。
3. 网络博彩／配资：APP 声称“炒外盘期货、稳赚不赔”，实为非法证券期货或电信诈骗。
4. “代理维权”：声称可代办退保、理赔并索赔高额补偿，实为套取保单、银行卡信息。
Foreign nationals in China may encounter the following telecom and online fraud schemes, including but not limited to：
First，Fake "Police, Prosecutor, or Court" Scam.Scammers pose as immigration officers, customs officials, or police, falsely claiming the victim’s passport, insurance, or bank card is involved in a crime.They demand the download of "security software" (actually malware) or wire transfers to "safe accounts" for "investigation."
Then,Virtual Kidnapping Scam.Victims are threatened into isolating themselves (e.g., checking into a hotel) and cutting off contact.Scammers force them to record "hostage videos" to extort ransom from overseas family members.
After that,Fake Investment Scams."Financial gurus" on social media lure victims with "guaranteed high returns."After victims install fake trading apps, fraudsters manipulate fake profits before suddenly crashing accounts to steal funds.
Finally,Rental/Visa Phishing Scams.Scammers impersonate landlords, agents, or embassy staff, collecting deposits or fees before disappearing.
防骗指南（Fraud Prevention Guide）
1. 查验证照：任何保险、理财、证券、期货、放贷机构必须持有中国监管部门颁发的许可证。
2. 核实身份：保险销售人员须持《保险销售从业人员执业证》，可要求出示或在“保险中介监管信息系统”扫码验证。
3. 明显陷阱：凡是听到“高收益、零风险”“境外牌照”“先转钱再签合同”，立即停止交易。
4. 交易留痕：签订合同、录音录像（中国保险业已全面实施“双录”），并保存转账凭证。
在中国，任何要求“先转钱再处理”的电话都是诈骗！守住个人信息和银行账户，就是守住您的保险保障。
How Foreign Nationals in China Can Steer Clear of "Illegal Financial" Activities?
Firstly, License Verification.All insurance, wealth management, securities, futures, and lending institutions must possess valid operating licenses issued by Chinese regulatory authorities.
Secondly,Identity Authentication.Insurance sales personnel must hold a "Insurance Sales Practitioner Certificate." Always request to see this credential or verify it by scanning the QR code in the "Insurance Intermediary Supervision Information System."
Thirdly,Red Flag Recognition.Immediately terminate any transaction that involves:Promises of "high returns with zero risk"、Claims of "overseas licenses"、Requests to "transfer money before signing contracts".
Fourthly,Transaction Documentation.Ensure proper contract signing procedures,Utilize audio-video recording (mandatory "dual recording" practice in China's insurance industry),Retain all fund transfer receipts.
Remember：All financial services in China require official licensing. When uncertain about any financial product.Stay vigilant against illegal financial activities to safeguard your assets.
返回列表
