許亮今年的運氣真不錯，他剛想(xiang)換(huan)一輛(liang)新車，沒(mei)想(xiang)到前幾天就搖中(zhong)了車號。要知道，自從北京對(dui)購車實行搖號政策以來，中(zhong)簽(qian)率可是越來越低(di)了。于是，他和(he)老婆商量(liang)后，決定將(jiang)那輛(liang)開了8年的桑塔納送給妹(mei)妹(mei)許慧，自己再買一輛(liang)新的越野(ye)車。

　　利(li)用(yong)雙休日，許(xu)亮接連跑了(le)好幾家汽(qi)車(che)4S店(dian)。經(jing)過再三權(quan)衡，他(ta)終(zhong)于(yu)選中了(le)一輛(liang)中意(yi)的越(yue)野車(che)。這(zhe)(zhe)輛(liang)車(che)加上購置(zhi)稅等費用(yong)，大約需要28萬元。可許(xu)亮只(zhi)有20萬元，剩下這(zhe)(zhe)8萬元可怎(zen)么辦呢?找(zhao)銀行抵押貸款吧，利(li)息太(tai)高不(bu)合算;找(zhao)朋友(you)借吧，又不(bu)好意(yi)思張口(kou)。正在他(ta)愁眉苦臉之時，路旁(pang)電線桿上的一則小廣告吸引了(le)他(ta)的目(mu)光：“代理領取住房公積金”。

　　回到家中以(yi)后，許亮從網上(shang)(shang)找到了一家“公積金提取公司”的(de)(de)網站，該公司在網頁上(shang)(shang)承(cheng)諾“不(bu)成功、不(bu)收(shou)費(fei)”。他(ta)(ta)按照其提供的(de)(de)電話號碼撥(bo)打，負(fu)責接線的(de)(de)一位女士(shi)告訴他(ta)(ta)，他(ta)(ta)們能夠(gou)提供相關合同和(he)發票，由(you)許亮到單位提交申請，然后到銀(yin)行就能提出公積金，中介(jie)費(fei)用為5%。這位女士(shi)還對許亮說(shuo)，他(ta)(ta)們提供的(de)(de)發票是按照正(zheng)規程序從稅務(wu)部門(men)開(kai)出的(de)(de)，交易不(bu)會有任何(he)風(feng)險。

　　今天上班以(yi)后，許亮對李(li)老(lao)師說:我(wo)現(xian)在準(zhun)(zhun)備(bei)買(mai)一輛新車(che)，還差幾萬(wan)(wan)塊錢，可我(wo)的(de)住房(fang)(fang)公積(ji)金賬戶(hu)內有十幾萬(wan)(wan)了(le)(le)，卻只能眼(yan)睜睜看著(zhu)這些錢“沉睡(shui)”。我(wo)現(xian)在既不準(zhun)(zhun)備(bei)買(mai)房(fang)(fang)，也(ye)不準(zhun)(zhun)備(bei)修房(fang)(fang)，所以(yi)我(wo)想(xiang)通(tong)過(guo)一家(jia)代領公積(ji)金的(de)機構幫(bang)助取(qu)錢，雖然要付(fu)出一筆手續費，但(dan)起碼解決了(le)(le)我(wo)的(de)燃眉之急，您認(ren)為我(wo)這么做(zuo)的(de)風險大嗎?

　　李老(lao)師(shi)：住房公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)(jin)本是一(yi)種(zhong)社會(hui)公(gong)(gong)(gong)(gong)(gong)(gong)共(gong)保障，但目前不(bu)(bu)法中(zhong)(zhong)介(jie)幫(bang)助個(ge)(ge)(ge)人提(ti)取公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)(jin)的現(xian)(xian)象卻是非常普遍。這(zhe)些中(zhong)(zhong)介(jie)主(zhu)要是通(tong)(tong)過(guo)幫(bang)助個(ge)(ge)(ge)人偽(wei)(wei)造資料，來騙(pian)取公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)(jin)，我(wo)認為你(ni)這(zhe)樣做的風險還是比較大的。第(di)一(yi)，中(zhong)(zhong)介(jie)機構從事(shi)(shi)此類活動(dong)，涉嫌違(wei)法經營(ying)，還可能構成偽(wei)(wei)造、變造、買賣國家(jia)機關公(gong)(gong)(gong)(gong)(gong)(gong)文、證件、印章罪，一(yi)旦東(dong)窗事(shi)(shi)發，你(ni)作為當(dang)事(shi)(shi)人自然會(hui)被(bei)牽扯進來。即使這(zhe)家(jia)中(zhong)(zhong)介(jie)沒有(you)被(bei)有(you)關部(bu)門(men)查處(chu)，你(ni)通(tong)(tong)過(guo)它來非法提(ti)取公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)(jin)，還有(you)可能對(dui)你(ni)的個(ge)(ge)(ge)人信息(xi)造成泄露(lu)，對(dui)個(ge)(ge)(ge)人資金(jin)(jin)(jin)(jin)和(he)賬戶形(xing)成風險。第(di)二(er)，個(ge)(ge)(ge)人通(tong)(tong)過(guo)偽(wei)(wei)造材(cai)料提(ti)取公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)(jin)，會(hui)影響公(gong)(gong)(gong)(gong)(gong)(gong)民個(ge)(ge)(ge)人公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)(jin)信用等級(ji)。公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)(jin)管(guan)理(li)機構會(hui)把(ba)違(wei)規職工的個(ge)(ge)(ge)人信息(xi)記入(ru)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)(jin)中(zhong)(zhong)心(xin)“個(ge)(ge)(ge)人不(bu)(bu)良信息(xi)庫”，個(ge)(ge)(ge)人通(tong)(tong)過(guo)中(zhong)(zhong)介(jie)提(ti)取成功的，還會(hui)受到限(xian)期退回或者(zhe)罰款的懲罰。而且自違(wei)規發現(xian)(xian)之日起3年內管(guan)理(li)中(zhong)(zhong)心(xin)不(bu)(bu)予(yu)辦理(li)住房公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)(jin)提(ti)取，不(bu)(bu)予(yu)受理(li)其住房公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)(jin)貸款申請。

　　小左：許哥，咱們可是守法公民，這種有風險的事情，我勸你還是別干。你不就是差幾萬塊錢嗎?我先借給你，什么時候還都行，還是免息的。不過，我只有一個要求，就是每天上下班我可要白蹭你的車坐，你看行不行?