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“以房养老”何以沦为诈骗道具

2017-08-08 05:31:17   中国青年网

【光明时评】

又见老年人被骗。这次,“以房养老”成了骗子的道具。据报道,2015年以来,北京有数十位老人陆续深陷骗局,有的失去房产,无家可归,有的背上巨额债务,苦不堪言。更糟的是,由于老人们签署并公证了一系列文书,他们想要拿回原本属于自己的房子,难度很大。

理财、保健品、电话诈骗是老年人最容易受骗的三大陷阱,“以房养老”可归入理财一类。一般来说,骗子的操作手法是动之以情、诱之以利、设之以害。在“以房养老”诈骗中,骗子向被骗对象鼓吹:把手里的房子抵押借款3个月,就能获得每月10%到15%的高息,到期还能全额返还本金。简言之,先给你甜头,再让你吃苦头,一旦被套牢便万劫不复。

不要指责被骗者是“老糊涂”,一些老年人基于困窘的当下和对未来不确定的恐慌,再加上警惕意识不足,掉入骗子的精准诈骗中,不该被舆论“围殴”。

如果说被骗可叹、骗子可恨,那么“神助攻”的帮凶则可恶。在“以房养老”骗局中,一些公证人员扮演了极不光彩的角色。今年4月,针对北京市国立公证处接连发生数起为不真实的事项出具公证书,导致当事人房产在不知情的情况下被买卖或抵押的情况,相关人员被吊销公证员执业证书。

本该严谨、严格、严肃的公证却背弃客观公正原则,这样的公证员置当事人权益于何地?置公证法于何地?置公共利益于何地?如果公证员不公不正,公证机构又谈何公信力?纵观那些典型的诈骗案例,有一种共性是,少数职能部门守土失责,本该积极履职,却错失良机;本该严把关卡,却城门洞开;本该未雨绸缪,却无动于衷。

防范老年人被骗,职能部门早就开出不少药方。比如,2014年12月10日,全国老龄工作委员会办公室、公安部联合发布《中国老年人防诈骗指南》。对老年人来说,涉及陌生人谈财谈物,最好的“保守疗法”是“三不”:不接腔、不相信、不配合。这当然是良技,但别低估骗子的手法。我们常说“骗你没商量”,骗子行骗之前最善于“商量”。也有人说对骗子避而远之,可是哪个骗子的脑门上贴着“骗子”二字?

打击骗子、瓦解骗术,需要监管部门发力。防止被骗、远离骗局,需要老年人提高警惕,也需要做子女的多尽孝道。老年人被骗,一大原因是缺乏情感慰藉,骗子乘虚而入。在花言巧语的情感“营销”之下,老年人被骗了还替骗子数钱。有网文说,让父母跟得上这个飞速发展的时代,才是最好的孝顺。怎么跟得上?无非是子女多陪陪父母,让父母尽可能掌握现代工具,多一些防骗技巧。如果父母长年累月见不到子女,如果子女表达孝意以钞票来衡量,那么“情感账户”透支的老年人就离被骗近了一步。

有调查显示,一些地区的诈骗案件中,70%的受害者是中老年人。在强力打击和舆论监督下,“以房养老”的行骗会式微,但善于“学习”的骗子会瞄准其他道具。对此,在全社会一起努力防骗的同时,也需要那些“守门人”守住职业底线,少一点“神助攻”,骗子得逞的机会就会少一些。

(作者:王石川)

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