近日上海長寧警方偵破一起重大詐騙案件，一名女子黃某因冒充富二代並虛構信託公司業務，以高額返利為誘餌，騙取好友劉女士轉帳1300多萬元人民幣。事件曝光後，引起社會廣泛關注，也再次提醒投資理財時需謹慎核實對方身份與資金來源。

案件始末顯示，黃某自2024年10月與劉女士相識後，很快建立所謂的“深厚友情”。在互動過程中，黃某謊稱自己家境優渥，是富二代，並聲稱在知名信託公司任職，從事古董拍賣、奢侈品買賣等高端業務。她以此建立信任，並精心編織一個虛假的成功人士形象，在各類社交平台上不斷展示豪華生活照與旅遊消費，讓劉女士信以為真。

事件的核心詐騙手法是虛構高額返利。黃某得知劉女士擁有境外賬戶後，提出通過她的賬戶將一筆8000萬元人民幣的公司款項匯回國內，事成後雙方可平分4%的返利，即160萬元。高額回報吸引劉女士信任並同意協助。然而，隨後數月內，黃某以需提前墊付利潤、律師費、匯率差等各種名義，要求劉女士將款項分批轉入指定賬戶，每次金額從數千元至十幾萬元不等，累計共騙取1300多萬元。劉女士最終不僅未獲返利，還因親屬追債而被迫坦白。

警方調查發現，黃某的“成功人士”形象完全是虛構，她實際上無業，沒有固定收入來源，所騙資金全被用於個人揮霍，包括環球旅行、包機出行、購買奢侈品、高檔餐飲和酒水消費等。根據警方透露，她的奢侈消費極其誇張，一次外出旅遊就可能花費七八十萬至上百萬元，每餐花費過萬元，飲酒亦高達萬元以上，所有金額均由她自行支付。黃某在落網後對犯罪事實供認不諱，目前已被依法刑事拘留，案件仍在進一步偵辦中。

這起案件的社會意義在於提醒公眾，無論是理財投資還是私人借貸，都應嚴格核實對方身份、資金來源及相關交易的真實性。虛構身份與高額回報往往是詐騙的核心誘因，過於輕信朋友或熟人推薦的高額回報，極易陷入財務風險。此外，社交平台上的炫富、豪華生活展示不應作為信任依據。警方同時呼籲，若遇到類似情況，應及時報警，並避免盲目轉賬，以免造成不可挽回的經濟損失。

此案曝光後，在網絡上引發廣泛討論，民眾對於“熟人詐騙”的危險性有更深刻的認識，也再次提醒大家，金融安全與日常警覺同樣重要。

Recently, the Changning Branch of the Shanghai Public Security Bureau uncovered a major fraud case. A woman named Huang impersonated a wealthy heir and fabricated a trust company business, luring her friend Liu into transferring over 13 million RMB. The incident has attracted widespread attention, serving as a stark reminder of the importance of verifying identities and financial sources when engaging in investments or large transactions.

The case details show that Huang met Liu in October 2024, quickly forming what appeared to be a close friendship. During their interactions, Huang claimed to come from a wealthy family, presenting herself as a “rich second generation,” and stated that she worked at a well-known trust company dealing in high-end businesses such as antique auctions and luxury goods trading. Huang meticulously crafted a false persona of success, frequently posting photos of a luxurious lifestyle and travels on social media, which led Liu to trust her.

The core fraud involved promises of high returns. After learning that Liu had an overseas bank account, Huang proposed transferring 80 million RMB from abroad into China via Liu’s account. She claimed that once the transaction was successful, they could split a 4% company bonus, amounting to 1.6 million RMB. Lured by the high return, Liu agreed. However, over the following months, Huang repeatedly requested that Liu transfer smaller sums—ranging from a few thousand to over a hundred thousand RMB—into designated accounts under various pretexts such as covering advance profits, lawyer fees, and exchange rate differences. In total, Huang fraudulently obtained more than 13 million RMB. Liu never received the promised bonus, and only confessed the truth after relatives confronted her over debts.

Police investigations revealed that Huang’s “successful entrepreneur” persona was entirely fabricated. In reality, she was unemployed, had no stable income, and spent all the defrauded money on personal extravagance, including global travel, chartered flights, luxury shopping, fine dining, and expensive alcohol. Authorities noted that her spending was extreme, with trips costing seven to eight hundred thousand RMB or more, meals over ten thousand RMB each, and drinks costing upwards of ten thousand RMB per occasion. Huang confessed to her fraudulent activities after being apprehended. She is currently under criminal detention, and the case remains under further investigation.

The social implications of this case are significant. It underscores the need for the public to rigorously verify identities, sources of funds, and the legitimacy of transactions, even when dealing with friends or acquaintances. Fabricated identities and promises of high returns are classic indicators of fraud, and over-trusting friends’ recommendations can lead to substantial financial losses. Authorities advise that anyone encountering similar situations report to the police immediately and avoid making transfers without proper verification.

The incident has sparked widespread discussion online, raising public awareness about the dangers of “acquaintance fraud” and highlighting the importance of vigilance and financial security in daily life.