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decline in bankruptcy-related fraud are believed to be multifarious in nature.The improving economy, stringent enforcement action, the benefits of positivecredit-sharing between financial institutions and banks, and a coordinatedmulti-agency governmental publicity-based strategy are all factors leading tothis most welcome change in the trend. Relevant figures are as follows -2003 2004 % ChangeNo. of Complaints 489 109 77.7%↓Total Reported Losses(HK$ million)50.6 34.8 31.2%↓No. of Bankruptcies 26,906 11,516 57.1%↓OTHER TYPES OF FRAUDEmployment Fraud4.19 This is a new type of fraud targeting job seekers. The victimswere offered jobs in shell trading companies and induced to invest in tradingproducts purported to be bringing them a big profit. They were subsequentlytold that their investments had failed and were accused of infringing thecompany’s business. The majority of the victims had therefore not reportedtheir case to police.4.20 Police undertook three operations in 2004, resulting in numerousarrests. 16 persons have been charged with offences including “Conspiracy toDefraud”, “Fraud” and “Obtaining Property by Deception”. As a result ofpolice enforcement actions and the successful implementation of an effectivepublicity campaign, similar syndicated employment fraud adopted a lowerprofile. The latest police intelligence revealed that perpetrators would try torecruit victims in the street rather than through newspaper advertisements inorder to minimize police interference. It is anticipated that with unemploymentfigures declining, less members of the public will fall victim to employmentfraud.Insurance Fraud4.21 In November 2004, the CCB arrested 13 directors and managementstaff of seven local insurance brokerage companies. The fraud involved thegranting of large commissions as incentives to the brokerages by three largeinsurance companies for new policyholders introduced by them. For those112