中英对照 | 外籍人士在华金融安全指南 Bilingual Finance Safety Guide for Foreign Nationals in China

一、常见风险类型 Common Scam Types

1.假冒官方诈骗 (Impersonation Scams)

骗子假冒出入境、税务、公安等部门打电话，声称你违法了，要求支付"罚款"或"保证金"。  

Scammers impersonate officials from immigration, tax authorities, or police in calls, claiming you violated laws and demanding "fines" or "deposits".

2.高收益投资陷阱(Too-Good-To-Be-True Investment Scams)

承诺超高年化回报（如 20% 以上）的虚假理财项目，常用"一带一路"、"数字货币"等热门词汇当诱饵。  

Fake investments promising unrealistically high returns (e.g., 20%+ annually), often using buzzwords like "Belt and Road" or "crypto" as bait.

3.租房押金欺诈 (Rental Deposit Scams)

假房东收取押金后消失，或以"中介费"等名目重复收费。Scammers posing as landlords vanish after taking deposits, or invent duplicate fees (e.g., "agency charges").

4.紧急汇款骗局 (Urgent Wire Transfer Scams)

冒充使领馆人员，谎称亲属遇险要求立即汇款。

Posing as embassy/consulate staff, fabricating "family emergencies" to demand instant money transfers.

5.社交媒体诈骗 (Social Media Scams)

通过交友软件或微信群推荐虚假投资，利用信任诱导转账。

Fake investment schemes promoted via social networks (e.g., WeChat, Tinder), exploiting trust to solicit funds.

二、风险深度分析 Key Risk Analysis

1.信息差 (Information Gap)

不熟悉中国金融法规和流程，易被"内部渠道"等话术欺骗。  

Unfamiliarity with local financial regulations makes you vulnerable to terms like "exclusive channels".

2. 信任圈依赖 (Trusting Community Bias)

过度依赖同语言群体推荐，可能卷入连环骗局。

Over-reliance on expat/language community referrals may lead to coordinated scams.

3.技术防护盲区 (Tech Security Blind Spots)

未安装反诈APP，易收到伪基站发送的钓鱼短信（如假"签证通知"）。  

Lack of official anti-fraud tools exposes you to phishing SMS (e.g., fake "visa alerts") from spoofed towers.

4.心理操控战术 (Psychological Manipulation)

骗子制造恐惧感（"涉嫌违法"）或紧迫感（"24小时限时汇款"）干扰判断。  

Scammers use fear ("legal violation") and urgency ("transfer within 24 hours") to override rational judgment.

三、防护指南 Protection Guide

✅ 必要防护措施 Must-Do's

1.严格验证官方身份

中国政府机构绝不会电话索要现金或转账！挂断后主动拨打12367（移民局）等官方热线核实。  

Chinese authorities NEVER demand cash/wire transfers by phone! Verify via official hotlines (e.g., 12367).

2.仅用正规平台

租房：选择持牌中介

投资：认准银行/持牌金融机构官方APP  

Housing: Use licensed agencies  

Investing: Only use banks/official financial institution apps.

3. 启用反诈防护

下载[国家反诈中心APP]（应用商店搜索名称）→ 开启"境外来电拦截"

Download [National Anti-Fraud Center App] (search in app stores) → Activate "Block Overseas Calls".

4.移动支付安全

谨慎扫描不明二维码，设置支付密码+指纹验证，定期检查账单。  

Verify QR code sources, enable payment passwords + biometrics, review transaction history weekly.

⛔ 绝对禁止事项 Never-Do's

勿点击短信中"签证链接"、"罚款链接"等可疑入口！  

Never click SMS links for "visa renewal" or "fine payment"!

勿向私人账户支付"政府费用"、"保证金"！  

Never transfer "government fees" or "deposits" to personal accounts!

勿参与"跨境保本高收益"、"内部渠道投资"！

Never join "cross-border guaranteed returns" or "exclusive channel" investments!

勿通过非官方渠道兑换货币！

Never exchange currency through unlicensed channels!

四、紧急应对 Emergency Response

资金被盗 (Funds Stolen)

1. 立即致电银行客服冻结账户 Call bank hotline to freeze accounts

2. 前往当地公安局报案 Report theft at local PSB (Public Security Bureau)

证件信息泄露 (ID Leakage)

双管齐下（Two-pronged action）：

1. 联系国籍国使领馆  Contact your embassy/consulate

2. 向公安局出入境管理处报备 Report to Exit-Entry Administration of PSB

> **免责声明 (Disclaimer)**  

> 本指南提供一般性建议，具体问题请咨询中国官方机构或法律专业人士。  

> *This guide offers general advice. Consult Chinese authorities or legal professionals for specific cases.*