According to a representative of the Public Council of the Office of Internal Affairs of Primorye, Advisor to the Chairman of Primorsky branch «FinPotrebNadzora» and the President of the «League of financial institutions» Alexander Ivashkina, fraud today — the adaptive, dynamic, capable of upgrading. He confidently said that opposition to this type of crime is focused primarily on the narrowing of opportunities for fraud — prevention and financial literacy of the population. According to the Chairman of the «League of financial institutions» Alexander Ivashkina, the World Wide Web does not negate the financial laws in force in earthly reality. Deceptive Advertising with unrealistic promises of quick enrichment — obviously foul play. All but project developers are always at a loss. Last year, frequent complaints of citizens related to the activities of consumer cooperatives. At present, the police conducted preliminary examination of the facts of fraud on the part of officials of cooperatives for the customers. «Take, for example, a real contribution to our country\’s banking institutions insured by the State Corporation» Deposit Insurance Agency «for 700 rubles. Such contributions are working in the real world banks no more than a 10% per annum, and the proposed investments, such as pyramid schemes, without any guarantee of return of 100% to 1000%! This is — fraud, which is equivalent to release money to the wind, «says Alexander Ivashkin. It must be remembered, if financial institutions promise fabulous interest, even in the short term, for the use of your money invested for various, the most promising at first glance, financial programs, most of all, it\’s a pyramid scheme. It should be understood that no country in the world, even the most solid financial company does not pay such high interest. And given the challenges faced by even large financial institutions — it is advisable to trust only savings banks with government support. Vladivostok appeared enticing brochures that promise a quick loan without certificates of income. Opinion Alexander Ivashkina on this point is clear: to rush for the money at the address that is not necessary. «It is always amazed at how people are investing huge amounts of money, is not acquainted with the fact that investing in: a» word of honor «donate their savings in exchange for a frank deception. Many people can not distinguish between investment projects from the banal financial pyramid schemes, and tempted by promises, invest in a fraudulent scheme. The issue of financial literacy rises could not be more urgent, «- summarizes Ivashkin.