As aged of the process accelerate, the illegal crime that violates old people to close right increase grows in intensity, the financial orgnaization of of all kinds illegal crime often lays the old person of easy credulous, little fortify, bring about the injured party to count difficulty of authority of numerous, dimension to increase, maintain cost harm of extremely tall, society is very great. As a result of these financial fraud complicated and confusing, give an extravagantly colourful description, the adult even scramble for sth with perfect knowledge, hard escape by sheer luck, photograph of Huang talking experience is opposite to backward, information out-of-the-way old person! Although fraud of current and of all kinds finance goes bankrupt in succession, but still be necessary mend the fold after a sheep is lost, how is research on guard other fraud change the appearance, stage a come back. Accordingly, risk of fraud of the finance outside studying region is taught especially the experience problem that venture of old people banking is on guard, appear particularly pressing. Among them, some experience of the United States and practice are worth to we are summed up and be drawn lessons from undoubtedly.
American old people teachs precaution to be personally eventually first
The United States serves as a developed country, aged evolve into the severe social problem that is to cannot be ignored gradually. The amount of senile the injured party is rising every year, and the protection to senile the injured party extremely urgent.
In the light of most old age capacity of economy of the injured party drops, living standard is low, insoluble live basically the problem such as need, american government published a series of safeguard old people to lay the law that puts rights and interests, among them, the lifelong system of education of old people is had most representative. Actually, the happening of cases of a lot of senile be murdered, the intellectual level that the mainest reason is old people falls, and be out of line gradually with the society, give a criminal an opportunity that can be exploited to sbs advantage thereby. Because of this, american government built a lifelong system of education, in order to guarantee the education of old people, because of,avoid its intelligence level aged and drop, derail with the society. American government takes the compose of lifelong education system seriously to build very much, provide perfect legal safeguard for senile education.
The United States 1976 " lifelong education law " teach law personally eventually as the first, the lifelong study that guarantees the citizen such as blemish of different age, profession, nation, sexual distinction, physiology, society and phyletic setting clearly counterpoises. Promulgated 1965 " old people law " in, the United States started a lot of old people projects, include nutrition education, send project of eat, traffic, area help of development, law and research and senile education. Still built federal to coordinate a branch according to this law -- the aged committee, and city and local government also built origanization construction accordingly in order to manage the aged project. The village that this law emphasizes joining each state government particularly develops policy, fulfil the study right of old people. Besides, 1975 " prohibit discriminating against old people law " put forward clearly, want those who ensure old people to get educational right, all sorts of study with every contributive government train an activity, must be year full the quota of people with the old person certain obligate of above of 65 one full year of life, cannot eliminate old people to be besides student at the same time.
To implement the lifelong system of education of old people better, stimulative old people often learns somewhat, education resource falls to real point truly, american government still established special orgnaization -- " the the aged teachs committee " will manage senile education, encourage all sorts of folk old age to teach an organization to participate in senile education. Be in the United States, senile education basically has the following 3 kinds of forms: It is average college recruits courses of senile student attend in a advanced studies or audit college, also some colleges are old people alone grouping into classes, offer the course that old people needs; 2 it is institution of higher learing holds senile holiday to learn a class, promote senile lodging education; 3 it is the place establishs old age to teach the school and major to groom class, absorb old people mouth to attend informal study, offer short-term course. In addition, school of education of local old age and major groom the demand that the class often still is aimed at old people mouth holds a chair. This shows, the United States has the clear protection on legislation already to the lifelong education of old people, have the concrete step support that carries out an operation again, cogent ensured old people get educational right. On this foundation, old people can fall in the condition with age growth, weak body, still accept newest education, to the fall victim precaution of old people, can saying was to have huge to help a gender.
The finance of American old people protects experience
On July 21, 2011, american president Aobama is signed " reform of wall street of Frank of much heart · and consumer protection bill " . Accordingly, american couplet store set bureau of financial consumer protection, its weigh important post can be to begin consumer banking knowledge to teach. Among them, sheet sets old people finance to protect the office, the finance that is in charge of old people of above of 62 one full year of life technically consumes protection, the financial venture that suffers easily in the light of old people has clew and help.
Office of protection of old people finance was released in June 2013 " conduct financial transactions of old people wisdom is prevented cheat a guideline " , listed old people easy the type of financial enroach on that suffer and bilk form, offer those who have maneuverability to prevent cheat advice. This guideline listed typical financial bilk kind: It is abuse of benefit of accredit representative human rights kind, if agent forces interest of accredit, filch, processing not by accredit matters concerned; 2 it is investment con kind, risk of if Pang is strange financial and cashier's cheque of fraud, false accept, advisory morality, annuities is con wait; 3 it is phone bilk kind, if authority of dimension of lottery win a prize in a lottery, lottery, win a prize in a lottery, family member incurs the measure such as predicament; 4 it is a network con kind, wait like network fishing, baleful software. Every check with knowledge of relevant manage money matters, in order to assesses situation of old people study. In the meantime, the official website of the bureau is protected to go up in financial consumer, still have prevent in the light of senile finance consumer those who cheat is special board piece, demonstrate different bilk kind.
In addition, office of protection of old people finance still cooperates with a lot of and federal department, offer for old people jointly be on guard the service of financial bilk, if with blame gain member of Coordination Committee of judicatory of branch of procuratorial work of orgnaization of organization, finance, interstate, old people waits,establish cooperative relationship, strengthen communicate each other; Develop intelligence of conduct financial transactions of old people wisdom to learn module jointly with insurance company of federal bank savings, how does training old people prevent finance exploit and con; Aid financially built blame profitability to organize with accredit of United States Congress, federal fund " NeighborWorks America " collaboration, 78 housing service center is established in the whole nation, for 471 thousand in low income crowd is offerred one-stop the service that buy a house, etc.
American experience is right the enlightenment of our country
Face the reality of increase sharply of amount of case of senile be murdered, each national capital put forward to adopt the comprehensive social measure, force that mobilizes whole society to undertake precautionary the sociality the way to deal with a situation of senile be murdered. And the precaution of our country works, all along advocates " integrated processing " , illegal crime problem is solved in the society, visible and both the place that has different in approach but equally satisfactory in result. Accordingly, on the system foundation that draws lessons from other country, should develop " integrated processing " action and pay attention to maneuverability, basically should note the following respects:
(one) precaution is given priority to, administer union of prevention and cure, integratedly
Contemporary medium society, difficult differentiate of information explosion, good and evil people mixed up, true and false, need nip in the bud. Before case of senile be murdered happens, undertake keep within limits on fountainhead, relieve than postmortem be close friends on a lot of. Accordingly, the precaution, education, setting that reminds a system, depend on preventing old people be murdered, lest its are immersed in needless spirit and body anguish in the center. This enlightenment is aimed at old people not only, likewise useful to adult, minor. Sum up the injured party in financial fraud, besides credulous be duped besides, often put fluky, one night purposely upstart undesirable state of mind, having the abominable moral of harm others to benefit oneself, use one's neighbor's field as a drain shift one's troubles onto others even, this is not only deviate from become rich with one's shoulder to collar, goodness of sincere letter friendlying tradition, have more be contrary to at socialistic core viewpoint of value. Accordingly, this needs us to undertake all-around, mutiple level precaution is taught, explore blend in socialistic core viewpoint of value law construction, when handling relevant difficulty case especially, exploration carry out goes the mechanism that socialistic core viewpoint of value blends in legal system to build.
(2) the form is diversiform, flexible for emergency use, pay attention to actual effect
Teach an activity to the finance of old people, can explore the content that suits old people life, knowledge and psychology and form, not stick to one pattern, undertake neatly. For example, can develop function of place of family, community adequately, hint through network, small letter, TV, public transportation system, short message, the platform carrier such as propagandist manual, with case view, draw inferences about other cases from one instance, achieve increase financial knowledge, increase be on guard the purpose of promotional and consciousness, practical effect.
(3) hit out actively, move below the center, col reach
