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保險業非法集資的犯罪手段有哪些?

來源: 發布(bu)時間: 2016年05月(yue)18日瀏覽次數:

  答: 1、主(zhu)導(dao)型(xing)案件。犯罪(zui)分(fen)子虛構保險理財(cai)產(chan)品,或(huo)(huo)者在(zai)原有保險產(chan)品基礎(chu)上承諾(nuo)額外利益,或(huo)(huo)者與消(xiao)費者簽訂“代客理財(cai)協議”,吸(xi)收(shou)資(zi)金;犯罪(zui)分(fen)子出具假保單(dan),并在(zai)自購收(shou)據或(huo)(huo)公司作廢收(shou)據上加蓋私(si)刻的(de)公章,甚至直(zhi)接出具白條騙取資(zi)金。

  2、參與(yu)型(xing)案件。保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)從業(ye)人員同(tong)時(shi)推(tui)介保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)產(chan)(chan)品(pin)(pin)與(yu)非保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金(jin)融產(chan)(chan)品(pin)(pin),混淆兩(liang)種產(chan)(chan)品(pin)(pin)性質(zhi);保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)從業(ye)人員承(cheng)諾非保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金(jin)融產(chan)(chan)品(pin)(pin)以保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司信譽為擔保(bao)(bao)(bao)(bao),保(bao)(bao)(bao)(bao)本且收益率較(jiao)高;誘導保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)消費(fei)者退保(bao)(bao)(bao)(bao)或進行保(bao)(bao)(bao)(bao)單質(zhi)押(ya),獲取現金(jin)購買非保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金(jin)融產(chan)(chan)品(pin)(pin)。

  3、被利用型案件。不法機構謊稱(cheng)與保險(xian)(xian)公司聯合,虛構保險(xian)(xian)理財產(chan)品對(dui)外(wai)售賣,進行非法集資(zi)(zi)(zi);將(jiang)投保的險(xian)(xian)種偷換概念(nian)或(huo)夸大(da)保險(xian)(xian)責任,宣(xuan)稱(cheng)投資(zi)(zi)(zi)項目(財產(chan))或(huo)資(zi)(zi)(zi)金安全由保險(xian)(xian)公司保障,進行非法集資(zi)(zi)(zi);偽造保險(xian)(xian)協議(yi),對(dui)外(wai)謊稱(cheng)保險(xian)(xian)公司為(wei)投資(zi)(zi)(zi)人(ren)提供信用履約保證保險(xian)(xian),同時以高息為(wei)誘餌開展P2P業務。


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