注意！这5种情形可能是非法集资
<div class="wx_rich_media_content" id="jsWxContainer"><p style='outline: 0px; color: rgb(34, 34, 34); letter-spacing: 0.544px; visibility: visible; line-height: normal; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><br></p><section data-role="outer" label="edit by 135editor" style='outline: 0px; color: rgb(34, 34, 34); letter-spacing: 0.544px; visibility: visible; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><section neue="neue" pingfang="pingfang" sc="sc" hiragino="hiragino" gb="gb" ui="ui" microsoft="microsoft" arial="arial" sans-serif="sans-serif" px="px" justify="justify" rgb="rgb" important="important" helvetica="helvetica" sans="sans" yahei="yahei" break-word="break-word" border-box="border-box" data-role="outer" label="Powered by 135editor.com" data-darkmode-bgcolor-15932285319316="rgb(25, 25, 25)" data-darkmode-original-bgcolor-15932285319316="rgb(255, 255, 255)" data-darkmode-color-15932285319316="rgb(163, 163, 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visible;'></section></section></section></section></section></section></section></section></section></section><section data-role="paragraph" style='outline: 0px; color: rgb(34, 34, 34); letter-spacing: 0.544px; visibility: visible; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><section data-tools="135编辑器" data-id="89224" style='outline: 0px;font-size: 16px;letter-spacing: 0.544px;visibility: visible;font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><section style='margin: 10px auto;outline: 0px;visibility: visible;'><section data-width="100%" style='margin-bottom: -30px; outline: 0px; width: 624px; visibility: visible;'><br data-filtered="filtered" style='outline: 0px;visibility: visible;'></section><section data-width="100%" style='margin-bottom: -30px;outline: 0px;width: 624px;text-align: center;visibility: visible;'><br data-filtered="filtered" style='outline: 0px;visibility: visible;'></section><section data-width="100%" 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data-width="100%" style='margin-bottom: -30px;outline: 0px;width: 624px;text-align: center;visibility: visible;'><br data-filtered="filtered" style='outline: 0px;visibility: visible;'></section></section></section></section><section style='outline: 0px; letter-spacing: 0.544px; line-height: 2em; text-align: center; visibility: visible; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='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;'></span></section><section data-role="outer" label="edit by 135editor" 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;'><section data-mpa-template="t" mpa-from-tpl="t" style='outline: 0px;letter-spacing: 0.544px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><section data-mpa-template="t" mpa-from-tpl="t" style='outline: 0px;'><section mpa-from-tpl="t" style='outline: 0px;font-size: 16px;'><section mpa-from-tpl="t" style='margin-top: 10px;margin-bottom: 10px;outline: 0px;'><section mpa-from-tpl="t" style='outline: 0px;background-color: rgb(247, 242, 236);'><section mpa-from-tpl="t" style='padding: 10px;outline: 0px;border-left: 6px dotted rgb(249, 110, 87);border-right: 6px dotted rgb(249, 110, 87);'><section mpa-from-tpl="t" style='outline: 0px;text-align: center;'><p style='outline: 0px;text-align: justify;line-height: 2em;'><span style='outline: 0px;'> 近期，一些养老服务机构和企业打着“养老服务”、“健康养老”等名义，以“高利息、高回报”为诱饵实施非法集资活动吸收老年人资金，给老年人造成严重财产损失和精神伤害，存在重大风险隐患。对此，民政部发布《关于养老服务领域非法集资的风险提示》，提醒老年人自觉远离非法集资，防范合法权益受到侵害。一起来看！</span></p></section></section></section></section></section></section></section><section style='margin-top: 24px;outline: 0px;letter-spacing: 0.544px;text-indent: 0em;text-align: center;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;color: rgb(249, 110, 87);letter-spacing: 1px;font-size: 16px;'><strong style='outline: 0px;'><span style='outline: 0px; font-family: Helvetica, Arial, sans-serif;'>关于养老服务领域非法集资</span></strong></span></section><section style='margin-bottom: 16px;outline: 0px;letter-spacing: 0.544px;text-indent: 0em;text-align: center;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;color: rgb(249, 110, 87);letter-spacing: 1px;font-size: 16px;'><strong style='outline: 0px;'><span style='outline: 0px; font-family: Helvetica, Arial, sans-serif;'>的风险提示</span></strong></span></section><section style='margin-top: 16px;margin-bottom: 16px;outline: 0px;letter-spacing: 0.544px;text-indent: 2em;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;letter-spacing: 1px;font-family: Helvetica, Arial, sans-serif;font-size: 16px;'>近期，一些养老服务机构和企业打着“养老服务”、“健康养老”等名义，以“高利息、高回报”为诱饵实施非法集资活动吸收老年人资金，给老年人造成严重财产损失和精神伤害，存在重大风险隐患。<br style='outline: 0px;'></span></section><section style='margin-bottom: 16px;outline: 0px;letter-spacing: 0.544px;text-indent: 2em;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><o:p style='outline: 0px;'></o:p></section><section style='margin-bottom: 16px;outline: 0px;letter-spacing: 0.544px;text-indent: 2em;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;color: rgb(249, 110, 87);letter-spacing: 1px;font-family: Helvetica, Arial, sans-serif;font-size: 16px;'><strong style='outline: 0px;'>一、养老服务领域非法集资表现形式</strong></span><o:p style='outline: 0px;'></o:p></section><section style='margin-bottom: 16px;outline: 0px;letter-spacing: 0.544px;text-indent: 2em;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;letter-spacing: 1px;font-family: Helvetica, Arial, sans-serif;font-size: 16px;'><strong style='outline: 0px;'>1.假借养老服务机构之名非法集资。</strong>一些企业没有养老服务机构实体，没有实际收住老年人并提供照料护理服务，但通过临时租用养老服务机构场地开展活动、宣称与养老服务机构签订合作协议等方式，“碰瓷”养老服务机构，以办卡返利、福利补贴、享受折扣等形式，诱骗老年人办卡储值非法吸收资金。</span><o:p style='outline: 0px;'></o:p></section><section style='margin-bottom: 16px;outline: 0px;letter-spacing: 0.544px;text-indent: 2em;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;letter-spacing: 1px;font-family: Helvetica, Arial, sans-serif;font-size: 16px;'><strong style='outline: 0px;'>2.以提供“养老服务”为名非法集资。</strong>一些机构明显超过床位供给能力承诺服务，或者超出自身可持续盈利水平承诺还本付息，以办理“贵宾卡”、“会员卡”、“预付卡”、预交“养老服务费用”等名义，通过向老年人收取高额会员费、保证金等方式非法吸收资金。</span><o:p style='outline: 0px;'></o:p></section><section style='margin-bottom: 16px;outline: 0px;letter-spacing: 0.544px;text-indent: 2em;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;letter-spacing: 1px;font-family: Helvetica, Arial, sans-serif;font-size: 16px;'><strong style='outline: 0px;'>3.以投资“养老项目”为名非法集资。</strong>以投资、加盟、入股养生养老基地、销售虚构的养老公寓、长期出租养老床位、“时间银行”互助养老项目等名义，以承诺高额收益、返本销售、售后返租、约定回购为幌子非法吸收资金。</span><o:p style='outline: 0px;'></o:p></section><section style='margin-bottom: 16px;outline: 0px;letter-spacing: 0.544px;text-indent: 2em;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;letter-spacing: 1px;font-family: Helvetica, Arial, sans-serif;font-size: 16px;'><strong style='outline: 0px;'>4.以销售“老年产品”为名非法集资。</strong>打着“健康养老”名义，实际上不具有销售商品的真实内容，或者以医疗名义给老年人推广销售所谓“保健”相关用品，采取商品回购、寄存代售、消费返利、免费体检、赠送礼品、会议营销、养生讲座、专家义诊等方式，以承诺消费返利或给予其他投资回报为诱饵非法吸收资金。</span><o:p style='outline: 0px;'></o:p></section><section style='margin-bottom: 16px;outline: 0px;letter-spacing: 0.544px;text-indent: 2em;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;letter-spacing: 1px;font-family: Helvetica, Arial, sans-serif;font-size: 16px;'><strong style='outline: 0px;'>5.以享受“旅居养老”为名非法集资。</strong>以邀请老年人低价甚至免费旅游，或者考察所谓“旅居养老”项目为名，通过储值返利、投资分红、积分养老等方式非法吸收资金。</span><o:p style='outline: 0px;'></o:p></section><section style='margin-bottom: 16px;outline: 0px;letter-spacing: 0.544px;text-indent: 2em;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;color: rgb(249, 110, 87);letter-spacing: 1px;font-family: Helvetica, Arial, sans-serif;font-size: 16px;'><strong style='outline: 0px;'>二、风险提示</strong></span><o:p style='outline: 0px;'></o:p></section><section style='margin-bottom: 16px;outline: 0px;letter-spacing: 0.544px;text-indent: 2em;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;letter-spacing: 1px;font-family: Helvetica, Arial, sans-serif;font-size: 16px;'><strong style='outline: 0px;'>1.高额利息无法兑现。</strong>承诺的高额利息资金主要来源于老年人缴纳的费用，属于拆东墙补西墙。一些机构或企业不存在与其承诺回报相匹配的收益，资金运转难以持续维系，一旦资金链断裂，高额利息无法兑付。</span><o:p style='outline: 0px;'></o:p></section><section style='margin-bottom: 16px;outline: 0px;letter-spacing: 0.544px;text-indent: 2em;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;letter-spacing: 1px;font-family: Helvetica, Arial, sans-serif;font-size: 16px;'><strong style='outline: 0px;'>2.资金安全无法保障。</strong>非法吸收的资金大多在个人或第三方关联账户，隐蔽性强，难以得到有效监管，存在转移资金、卷款跑路的风险，追赃挽损难度大，本金难以追回。</span><o:p style='outline: 0px;'></o:p></section><section style='margin-bottom: 16px;outline: 0px;letter-spacing: 0.544px;text-indent: 2em;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;letter-spacing: 1px;font-family: Helvetica, Arial, sans-serif;font-size: 16px;'><strong style='outline: 0px;'>3.养老服务需求无法满足。</strong>一些机构和企业不具备提供服务的能力，通过虚假或引人误解的商业宣传，骗取老年人信任，但往往无法兑现承诺达到预期效果，老年人的养老服务需求无法得到满足。</span><o:p style='outline: 0px;'></o:p></section><section style='margin-bottom: 16px;outline: 0px;letter-spacing: 0.544px;text-indent: 2em;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;letter-spacing: 1px;font-family: Helvetica, Arial, sans-serif;font-size: 16px;'>按照《防范和处置非法集资条例》等有关规定，对非法集资人、非法集资协助人将严肃追究法律责任，参与非法集资风险自担。养老服务机构的本质是提供养老服务，对带有投资返利性质的承诺，老年人应谨记高回报伴随高风险，认清高额利诱背后隐藏的巨大风险，自觉远离非法集资，防范合法权益受到侵害。如发现涉嫌违法犯罪线索，可立即向有关部门举报。</span><o:p style='outline: 0px;'></o:p></section><section style='outline: 0px;letter-spacing: 0.544px;text-align: right;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;letter-spacing: 1px;font-family: Helvetica, Arial, sans-serif;font-size: 16px;'>民政部</span><o:p style='outline: 0px;'></o:p></section><section style='outline: 0px;letter-spacing: 0.544px;text-align: right;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;letter-spacing: 1px;font-family: Helvetica, Arial, sans-serif;font-size: 16px;'>2023年6月15日</span></section><section style='outline: 0px;letter-spacing: 0.544px;text-align: right;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;font-family: Helvetica, Arial, sans-serif;'><br></span></section></section><p style='letter-spacing: 0.578px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; visibility: visible;'><br></p><section data-role="outer" label="edit by 135editor" style='letter-spacing: 0.578px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; caret-color: rgba(0, 0, 0, 0); visibility: visible;'><section data-role="paragraph" style='outline: 0px;visibility: visible;'><section style='outline: 0px;min-height: 1em;visibility: visible;'><section style='outline: 0px;min-height: 1em;text-align: right;visibility: visible;'><section style='outline: 0px;visibility: visible;'><hr style='outline: 0px;color: rgb(34, 34, 34);font-family: -apple-system-font, system-ui, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;line-height: 25.6px;visibility: visible;'><p style='outline: 0px;widows: 1;text-align: left;visibility: visible;'><span style='outline: 0px; color: rgb(178, 178, 178); font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.5px;'>来源：中国民政</span></p></section></section></section></section></section><br></div><p></p>
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