现年40岁的刘忠云，家住南宁市青秀区。只有高中文化的她，曾做过保险业务员，认识不少朋友。后来，她在南宁开了一家汽车租赁公司，自己做老板。但她没有把心机投到汽车租赁生意上,mercurialvaporpascher，而是想到了时下最容易来钱的项目――炒房、代垫信用卡透支额等金融投资,jordanfemme。缺乏资金的她脑筋一转，便虚构项目骗别人交钱。

主办法官说，"你投资1万元，她一个月给的月息就是500元，一年算下来就有6000元，比银行的利息就高出30倍。刘忠云主要以这个为诱饵"。这名法官还提醒，目前诈骗表现形式多样。有的打着"支持地方经济发展"、"倡导绿色、健康消费"等旗号，有的引用产权式返租、投资基金等新概念，手段隐蔽，欺骗性很强。对于高额回报、快速致富的投资项目要冷静分析，避免上当受骗，大家一定要提高识别能力，增强理性投资意识和风险自担意识。

梁某把这件事件告诉丈夫韦某，韦某见回报这么高，便先借给刘忠云几万元。刘忠云很讲信用，一拿到韦某的借款后，当即按当初的承诺先掏钱包返点给韦某。头几次，还款日期一到，相比看最新盗窃罪司法解释。刘忠云也都如数归还借款。

投饵:高额回报引"鱼"上钩

在众多的受骗人当中，许多人也像韦某夫妇一样，刚开始都是试探着借给刘忠云几万元，刘忠云开始时也"守信"还本还息，许多人在深信不疑中越投越多,mercurialvapor，结果全被套了进去。

女骗子刘忠云以做生意需要找人投资为借口到处"借钱"，并承诺如果有人愿意投资就会得到丰厚的利润。为了获得信任，她先是自己赔钱给别人发高额利息，后骗取大家的大量借款。12月30日，南宁市中级人民法院作出一审判决，以诈骗罪判处刘忠云无期徒刑，并处没收个人财产100万元。

刘忠云:我没有把钱卷走，如果我不被抓，我的项目赚钱了,airjordanfemme，可以还给他们。

有的人借给刘忠云上百万元，仅收到一张随手写在纸片上的收条。轻易就拿到了钱，刘忠云也曾胆战心惊，为了不被人揭穿，她编织一个接一个的谎言。基本套路就是用新骗来的钱还旧账,poloralphlauren，再骗再还，不停地拆东墙补西墙,mercurialpascher，到底谁投了多少，外债多大，连她自己都记不清了。

刘忠云:我们是一帮人，是他们找我的，也都写有借条。别人借钱给我,franklinmarshall，我也写有借条,louboutinpascher，不是诈骗。

南宁市中级人民法院经审理后认为，刘忠云以高利息为诱饵，采取虚构项目的手续诈骗，数额高达1900万多元，构成了集资诈骗罪。公诉机关指控其构成集资诈骗罪罪名不当，予以纠正。12月30日，南宁市中级人民法院对此案作出一审宣判:以诈骗罪判处刘忠云无期徒刑，并没收个人财产100万元;对公安机关扣押刘忠云的3900多元现金及手机一部依法没收:责令刘忠云退赔韦某等17人的被骗款项。

狡辩:写有借条不是诈骗

韦某夫妇感觉到不对劲，便向南宁警方报案。2007年12月30日，刘忠云因涉嫌集资诈骗被南宁市公安局江南分局刑事拘留。刘忠云落网后，这起巨额诈骗案浮出了水面。在高回报的诱惑下，短短2年多时间里，有近20人找刘忠云投资生意,poloralphlaurenpascher，金额高达1900万多元,christianlouboutin。

在做业务过程中，刘忠云认识了在银行工作的梁某。有一天，刘忠云告诉梁某,abercrombieroma，她有个亲戚在消防部门做领导，商品房通过消防部门验收合格后才能办证。她的亲戚可以拿到"翡翠园"部分买房指标，但要现金交付，不能办按揭。她想做这单生意，如果对方愿意出钱投资，她每万元每月可以支付20%至50%甚至更高的利息。

放线:编织谎言拆东补西

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