歡歡喜喜准備過大年 別給詐騙分子“充錢”
年關將至，當大家都在准備歡歡喜喜過大年的時候，一些不法分子也活躍了起來。他們的騙術看似層出不窮，其實早就被公安部門掌握了套路。
At the end of the year, when everyone was ready to rejoice and rejoice in their old age, some outlaws rose up alive. Their deception seemed to have gone a long way, but they were already in the hands of the public security services.
為了更好地守護大家的財產安全，不讓騙子有機可乘，重慶市公安局刑偵總隊的民警特意整理了2020年十大類高發易發電信詐騙案件手法及提醒。都有哪些值得我們警惕的內容呢？趕緊來看看吧。
In order to better safeguard the safety of our property, and not to allow the fraudsters to take advantage of it, the police officers of the Criminal Investigation Unit of the Public Security Bureau of Chongqing have prepared a list of 10 cases of high-profile e-mail fraud and fraud in 2020. What is there to be wary of?
1
貸款類
Loans
詐騙手法：
Fraud:
犯罪嫌疑人一般通過網絡媒體、社交工具等發布辦理貸款的廣告信息，后冒充銀行、貸款公司工作人員聯系被害人，獲取被害人信息，以收取手續費、代辦費等為由，或者以檢驗還貸能力、刷流水、提高信譽等方式，誘騙被害人轉賬匯款﹔還有的犯罪嫌疑人通過上述方式，以騙取被害人的銀行賬戶和密碼等信息直接轉賬、消費的方式，實施詐騙。
Suspects usually use the Internet media, social tools, etc., to advertise loans, then act as banks, loan companies and employees to contact the victims, obtain information about the victims, either for the purpose of collecting a fee for their services, surrogate fees, etc., or to induce the victims to transfer money through tests of their ability to repay loans, wash water, improve their reputation; and through the above-mentioned means, suspects directly transfer or collect information, such as bank accounts and passwords, in order to obtain information from the victims.
防騙提醒：
Swindle alert:
選擇正規資質的貸款機構申請貸款。先交手續費、或繳納制卡費等都是圈套。
The choice of a formal loan institution to apply for a loan is a trap.
2
刷單返利類
brush singles
詐騙手法：
Fraud:
犯罪嫌疑人通過網頁、QQ、微信、抖音等渠道推廣兼職廣告，以開網店需快速刷新交易量、網上好評、信譽度為由，招募人員進行網絡兼職刷單。犯罪嫌疑人利用話術誘騙被害人，在其提供的鏈接或者APP上進行購物付款操作，並承諾在交易后返還購物費用，並額外提成。被害人刷第一單時，犯罪嫌疑人會小額返利讓被害人嘗到甜頭，當被害人刷單交易額變大后，嫌疑人就會以各種理由拒不返款並將其拉黑。
The suspect uses the word to seduce the victim, buys a purchase operation on the link provided by him or on the APP, promises to return the purchase fee after the transaction, and adds it to it. When the victim brushes the first one, the suspect returns to make the victim taste sweet, and when the amount of the transaction becomes larger, the suspect refuses to return the money and darken it for a variety of reasons.
防騙提醒：
Swindle alert:
網絡刷單詐騙的實施者准確掌握了受害者的心理。先讓受害者嘗到甜頭，一旦上鉤，就需要完成連續任務，數額達到一定規模，騙子又會以系統故障、賬戶凍結等理由，誘導其向詐騙賬戶再度匯錢。很多受害人直到被騙子拉黑后才發覺上當受騙。
The creators of online fraud are sure to know the mind of the victim. First let the victim taste the sweetness and, once hooked, he has to perform a continuous mission, amounting to a certain scale, and the fraud will induce him to retransfer money to the fraud account for reasons such as system failure, account freeze, etc. Many of the victims did not find themselves deceived until they were blacked out.
1.網絡刷單本身就是一種違法行為，遇到“刷單”“刷信譽”“刷信用”的網絡兼職廣告時要提高警惕。2.不要有“輕輕鬆鬆賺大錢”的心理，不要輕信所謂的高額回報，不要輕易點擊陌生鏈接。
The Internet billboard is in itself an illegal act, with vigilance when confronted with the “book” “honour” “credit” word ad. 2. Do not have a “lightly and lightly” mind, do not trust the so-called high-value return, and do not lightly click on a strange link.
3
殺豬盤類
killing piglets >/strong
詐騙手法：
Fraud:
犯罪嫌疑人首先通過網絡社交工具、短信、網頁上發布推廣股票、外匯、期貨、虛擬貨幣等投資理財的信息。被害人主動聯系犯罪嫌疑人或者犯罪嫌疑人主動加被害人為好友后，將投資理財網站或APP發送給受害人，謊稱能輕鬆賺錢、有內幕消息等，誘導被害人在犯罪嫌疑人提供的虛假網站、APP投資。被害人在投入大量資金后，發現無法提現或全部虧損。
The suspect first distributes information about investments in stocks, foreign exports, futures, and virtual currency via online social tools, text messages, web pages, etc. After the victim has contacted the suspect or the suspect and the victim is a friend, he sends the investment website or APP to the victim, lying about making easy money, having inside information, etc., to induce the victim to invest in false websites or APPs provided by the suspect.
防騙提醒：
Swindle alert:
網戀有風險，交友需謹慎。注意保護好個人信息安全，不要向陌生人泄露自己的電話、銀行卡信息，樹立理性投資意識，拒絕高利投資誘惑。
There are risks to online relationships, and it is important to be careful in making friends.
4
冒充客服類
pretending to be a customer service type
詐騙手法：
Fraud:
（一）冒充電商客服
(i) Composters'services
犯罪嫌疑人冒充電商平台客服，謊稱被害人購買的物品出現問題，以可給予被害人退款、理賠、退稅等為由，誘導被害人泄露銀行卡和手機驗証碼等信息，將被害人銀行卡內錢款轉走﹔或者因商品質量原因導致交易異常，將凍結被害人賬戶資金，讓被害人將資金轉入指定的安全賬戶實施詐騙﹔或以誤將被害人升級為會員、誤將被害人授權為代理等，如不取消上述業務將扣費為由，誘導被害人轉款，實施詐騙﹔或以被害人會員積分、芝麻信用積分不足不能退款為由，讓被害人提高會員積分進行貸款，並指引被害人將貸款向指定賬戶匯款實施詐騙。
The suspect, who pretends to be a customer of the electric platform, falsely claims that there are problems with the items purchased by the victim, using such grounds as refunding the victim, compensation, tax refunds, etc., to induce the victim to disclose information such as bank cards and cell phone proofs, or to transfer the money from the victim's bank, or, because of the unusual nature of the transaction due to the quality of the goods, freezes the funds from the victim's account, allows the victim to transfer the funds to a designated security account for fraud; or wrongly upgrades the victim to membership, misauthorizes the victim to represent the victim, or, if the above-mentioned duties are not cancelled, to induce the victim to transfer the money and commit fraud; or to use the membership of the victim, the lack of credit for sesame, as a result of which the victim is unable to refund the funds, and directs the victim to fraudulently transfer the loan to a designated account.
（二）冒充物流客服
(ii) Pretending to be a logistics passenger service
犯罪嫌疑人冒充快遞、貨運、倉儲等物流公司工作人員稱被害人快遞丟失，可給予被害人退款、理賠、退稅等，誘騙被害人轉賬匯款，或者根據犯罪嫌疑人的誘導，將其銀行卡等信息輸入二維碼跳出的網頁，並輸入手機驗証碼后，其銀行卡內錢款便被轉走。
Members of logistics companies such as couriers, cargoes, warehouses, etc., who claim that the victim has lost the shipment, can refund the victim, pay the compensation, refund taxes, etc., induce the victim to transfer the money, or, on the basis of the suspect's inducement, enter information such as his bank card into a two-dimensional jumping web page and enter the mobile phone test code, the money in his bank account is transferred.
防騙提醒：
Swindle alert:
1.當遇到自稱賣家的電話說需要退款或者重新支付時，要親自登錄官方購物網站查詢，或者撥打正規客服，不要輕易點擊所謂店家提供的網址，更不能在這些網頁上填寫相關信息。
When a telephone call from a self-declared seller says that it is necessary to refund or re-pay it, it is necessary to enter the official shopping site in person, or to call a regular customer service, and not to easily click on the URLs provided by the so-called shopkeepers, let alone fill out the relevant information on these web pages.
2.各類購物平台的客服人員不會向用戶提出提供個人銀行卡信息及轉賬要求。
2. Clients of various types of shopping platforms do not submit to users requests for information on their personal bank cards and for the transfer of accounts.
3.銀行卡號、驗証碼信息一定要保管妥當，不要輕易外泄。
3. Bank card numbers, authentication codes must be kept in proper custody and must not be easily leaked.
5
紅包返利類
Red bag returned to the group
詐騙手法：
Fraud:
犯罪嫌疑人利用QQ、微信、微博等社交工具發布信息，稱有發紅包返利活動（例如：發紅包充99元返200元）拉人入QQ、微信群，誘導被害人轉錢，實施詐騙﹔或拉人入QQ、微信群，以明星、網紅粉絲福利、返利群等為名，讓被害人認為是追星活動，誘導被害人在群內發紅包或者點擊群內鏈接付款充值等，最后將被害人踢出群，從而實施詐騙。
The suspect uses social tools such as QQ, Weibo and Weibo to distribute information alleging that there are red packs (e.g. red packs are returned to 200 yuan) that bring the victim into QQ, Weibo, lure the victim to transfer the money and commit fraud; or QQQ, Weibo, in the name of stars, red fan benefits, return groups, etc., that make the victim consider it a star chase, induce the victim to issue red packs within the group or click on the inner chain to pay for the sum of the money, and eventually kick the victim out of the group to commit fraud.
防騙提醒：
Swindle alert:
1.天上不會掉餡餅，不要被眼前的暴利所誘惑，不要輕信“以一返十”等返利騙局。
There shall be no pies in the sky, nor be seduced by the ills of the day before them, nor be humbled in believing in a “twenty return” scheme.
2.謹記“三個不”，“不輕信”、“不透露”、“不轉賬”，涉及金錢交易，需提高警惕，不要隨意轉賬給陌生人。
Bearing in mind that “three nos”, “no trust”, “no disclosure”, “no transfer” involves a transaction of money and requires vigilance and does not transfer accounts to strangers at will.
6
虛假購物類
Fake shopping class
詐騙手法：
Fraud:
犯罪嫌疑人通過網絡社交工具、網頁、電話等渠道發布商品廣告信息，通常以優惠打折、低價轉讓、0元購物等方式為誘餌，誘導被害人與其聯系，待被害人為購物付款后,就將被害人拉黑或者失聯﹔或以加繳關稅、繳納定金、交易稅、手續費等為由，誘騙被害人轉賬匯款，實施詐騙。
Criminal suspects disseminate commercials through online social tools, web pages, telephones, etc., often as baits, such as discounts, low-price transfers, zero purchases, to lure the victim into contact with him or her, after he or she has paid for the purchase, to blacken the victim or to lose contact with him or to use taxes, deposits, transactional taxes, fees, etc., to induce the victim to transfer money and to commit fraud.
防騙提醒：
Swindle alert:
1.購物去正規的官方平台。
1. Shopping to a regular official platform.
2.對異常低價的商品提高警惕，通過正規平台進行交易，對跳過平台私加QQ微信的賣家一概終止接觸，更不能隨便點擊對方發來的鏈接。
2. Increased vigilance over abnormally low-priced commodities, trading through regular platforms, ending contact with vendors who skip the platform plus QQ micro-letters, much less simply clicking on each other's links.
7
冒充領導、熟人類
pretends to be the leader, familiar with humans
詐騙手法：
Fraud:
（一）冒充領導
(i) Acting as a leader
犯罪嫌疑人通過電話、短信、網絡社交工具等方式，冒充被害人的領導、公司老板等身份，以與其他公司合作伙伴簽合同等事情為由，誘騙被害人轉賬匯款。
Criminal suspects, through telephone calls, text messages, online social tools, pretend to be the victim's leaders, company owners, etc., in order to induce the victim to transfer funds, for example, by signing contracts with other company partners.
（二）冒充熟人
(ii) Pretending to be an acquaintance
犯罪嫌疑人通過電話、短信、網絡社交工具等方式，冒充被害人親戚、好友、同事等，以人在國外代買機票、交學費、給教授送禮、病重需手術等急危情況等事由，誘騙被害人轉賬實施詐騙。
Criminal suspects, through telephone calls, text messages, online social tools, pretend to be relatives, friends, colleagues, etc. of the victim, lured the victim to transfer funds for urgent reasons such as buying airline tickets, paying school fees, giving gifts to the professor and requiring surgery.
防騙提醒：
Swindle alert:
1.聽口音，這種詐騙類型具備比較強的地域特征，當接到此類電話時，要提高警惕。
Listen to accents, which are more sophisticated in terms of geographical characteristics, and be vigilant when receiving such calls.
2.問虛實，對方獲取了事主部分信息，但是信息有限，可以反問對方是不是身邊可以看到的人，如果對方順口回復，就可以確定是騙子無疑。
2. The fact that the other party obtained part of the owner's information, but the information was limited and it was possible to question whether the other party was a person who could be seen around it, and if the other party replied back, it would be certain that the fraud had been committed.
3.如果不能確定對方身份，可詳細具體事件進行確認。例如上次見面一起在哪個餐廳吃飯、與哪些人一起吃飯等類似事件提問。
3. If the identity of the other person cannot be established, the details of the events can be confirmed.
8
網絡游戲產品虛假交易類
Internet games for fake items trading
詐騙手法：
Fraud:
（一）游戲幣、游戲點卡虛假充值
(i) Playnotes, game point cards falsely charged
犯罪嫌疑人在社交平台推廣充值游戲幣、游戲點卡優惠或優惠購買的廣告，誘導被害人先付款，制作虛假的各種游戲界面和充值界面截圖，發送截圖給被害人獲取信任，對其實施詐騙。
Criminal suspects promote billings on social platforms that are worth playing coins, cards or discounted, induce victims to pay first, create false video clips of games and punctuations, send a screenshot to trust the victim and defraud the victim.
（二）游戲賬號、裝備虛假交易
(ii) Game accounts, counterfeit transactions
犯罪嫌疑人發布買賣游戲裝備、游戲賬號的廣告信息，誘導被害人在架設的虛假游戲交易平台進行交易。部分案件中，犯罪嫌疑人讓被害人提供游戲賬號和密碼、登錄服務器區域、登錄的手機系統，最后通過登錄被害人游戲賬號，冒充該被害人詐騙其游戲內其他好友。
In some cases, the suspect allows the victim to provide a play account and password, a server area, a registered cell phone system, and, finally, by recording the victim’s play account, pretends to be the victim’s other friends in the game.
犯罪嫌疑人以出售游戲外挂、游戲代練、解除游戲賬號凍結、解除游戲防沉迷限制等為由，誘騙被害人匯款實施詐騙。
Suspects are tempted to extort money from victims by selling outside games, playing by proxy, lifting the freeze on the playing accounts, lifting the restrictions on the use of games against obsessiveness, etc.
防騙提醒：
Swindle alert:
游戲消費要量力而行，不要輕信“低價充值”和“高價收購”，不要在非官方網站上進行游戲賬號交易。
The games are expensive, do not believe in "low-priced" and "high-priced purchases" and do not trade in games accounts on unofficial websites.
9
虛假征信類
Fake letter
詐騙手法：
Fraud:
（一）消除校園貸記錄
(i) Elimination of school lending records
犯罪嫌疑人冒充網貸、互聯網金融平台工作人員，稱被害人之前開通過校園貸、助學貸等，現在需要消除校園貸記錄，或者校園貸賬號異常需要注銷，誘騙被害人轉賬匯款或讓被害人在正規網貸、互聯網金融APP上貸款后，轉至其提供的賬戶上，從而實施詐騙。
The suspect, who pretends to be a net loan, an Internet finance platform worker, claims that the victim had previously opened a school loan, a student loan, etc., now needs to be eliminated, or that the school loan number is unusual and needs to be cancelled, to induce the victim to transfer the money or to transfer it to the account provided by the victim after he or she has made a loan on the regular Internet finance APP.
（二）消除不良記錄
(ii) Elimination of poor records
犯罪嫌疑人冒充銀行、網貸、互聯網金融平台工作人員，稱被害人的信用支付類工具有不良記錄需要消除﹔或者稱被害人之前有網貸、分期記錄，會對個人征信產生不良影響，以可以幫助注銷賬號、消除分期記錄等為由，誘騙被害人轉賬匯款。
A suspect who pretends to be a banker, a loaner or a member of an Internet financial platform, claims that the victim's credit-payment instruments need to be eliminated, or that the victim's previous use of a loan, a split record, could have a negative impact on the individual's correspondence, and induces the victim to transfer the money by helping to sell the account numbers, eliminating the split records, etc.
防騙提醒：
Swindle alert:
1.如果已經貸款，隻要按時還清貸款，就不會影響個人征信，不會因為有額度就會影響信用。
1. If a loan has already been made and the loan has to be repaid in a timely manner, it will not affect the personal demand for credit, nor will it affect credit because of the amount.
2.個人征信由中國人民銀行征信中心統一管理，無論是銀行還是個人都無權刪除和修改。凡是自稱貸款平台客服，提供消除不良征信記錄的電話都是詐騙。
Personal letters are managed by the People’s Bank of China, which has no right to delete or modify them.
3.保管好個人信息，涉及身份証號、驗証碼、銀行卡號、密碼等信息，一律保密。
3. Keeping personal information, such as identification numbers, test numbers, bank cards, passwords, etc., confidential.
4.接到陌生電話，一定要提高警惕。
4. Vigilance must be exercised when a call is received from an unknown person.
10
冒充公檢法及政府機關類
pretends to be a public prosecutor's office and a government agency
詐騙手法：
Fraud:
（一）冒充公檢法
(i) Possession of Public Prosecutions Act
犯罪嫌疑人以被害人名下的銀行卡、社保卡等具有消費功能的工具被冒用，或被害人身份信息泄露，涉嫌洗錢、販毒等犯罪，之后冒充公檢法等司法機關執法人員，要求被害人將資金轉入國家賬戶配合調查。
Criminal suspects who have been used in the name of the victim as bank cards, social security cards, etc. with a fee-paying function, or whose identity information has been leaked, suspected of money-laundering, drug-trafficking, etc., are subsequently acting as members of judicial bodies, such as the Public Prosecution Act, demanding that the victim transfer the funds into the national accounts to cooperate in the investigation.
（二）冒充其他單位組織
(ii) Assuming other organizations
犯罪嫌疑人冒充稅務、教育、民政、社會和勞動保障、殘聯、金融機構（銀監會等）等政府部門工作人員，以領取補助、退稅、助學金，誘騙被害人匯款實施詐騙。或稱社保、醫保、証券、金融等賬戶出現異常（通常為凍結、失效等），誘騙被害人向安全賬戶匯款實施詐騙。
Suspects pretend to work in government departments such as taxation, education, civil affairs, social and labour security, disability associations, financial institutions (the Silver Supervisory Board, etc.) to obtain subsidies, refunds, student grants, and to lure victims into money transfers for fraudulent purposes. Other accounts, such as social security, health insurance, vouchers, finance, etc., are unusual (often frozen, ineffective, etc.), and the victims are lured into making fraudulent payments to secure accounts.
防騙提醒：
Swindle alert:
1.留意來電號碼。此類案件中，大多數來電都是通過改號軟件從境外撥打，來電顯示上會有“+”或“00”等前綴，如出現此類異常，可以基本判定騙子無疑。
In most of these cases, calls are made from outside the country by re-signing software, showing that there are forwards of “+” or “00” and, in the event of such an anomaly, the fraud can be largely judged beyond doubt.
2.公檢法人員絕對不會通過電話、微信通知你核查資金、將錢款轉移到“安全賬戶”，更不會讓你上網瀏覽自己的通緝令或者逮捕令，或者將此次材料郵寄到個人手中。凡通過電話、短信等要求進行轉賬、匯款、資金核查操作的都是詐騙，切記不相信、不轉賬。
The Public Prosecutor’s Legal Officer will never, by telephone or by micromail, notify you of the funds, transfer them to a “safe account” or, in any case, post the information to a private person. Anyone who requests a transfer, transfer, or financial verification by phone, text messages, etc., will be defrauded, remember that they do not believe in, and do not transfer the funds.
3.實在不能辨別真偽，可以撥打96110或者110進行核實。
3. It is impossible to identify authenticity and can be verified by dialling 96110 or 110.
重慶晨報·上游新聞記者 曲鴻瑞
"Gongqing Morning News, Kuo-Seo."
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