Blind Group Buying Financial Products Undesirable

Recently, the wind of group buying has blown up. Financial market Up. But financial experts remind that group buying financial products are not reliable, and the risk is often higher than that of ordinary retail financial products.

Usually, there are two selling points for financial products group purchase: first, to get the discount rate, and the other is to reduce the threshold. Group buying The most common financial products are funds and insurance, in order to get premium rates. And trust products, private equity group buying is to reduce the threshold for signs, because these products start from a million yuan, ordinary people often can not afford. For the first group purchase, because the issuer needs marketing objectively, investors can only buy through regular channels, and the transaction credibility is relatively high. For the second group buying, there is a need for specific analysis.

　　 Group buying website is not professional.

Although the traditional group buying is the operation of the group buying website, but when these group buying websites are involved in financial products, their experience and ability will become a problem, because the marketing of financial products requires professional knowledge and ability, and the products of the bank agency insurance companies, which are the same as financial institutions, will still not be professional enough, let alone group buying websites for selling, wearing, using and other related commodities.

For example, a group buying website with industry background has launched financial products group buying business, aiming at the employees of the leading enterprises in the industry. This product reserved part of the quota for the employees of the state-owned enterprise, and the workers subscribe the subscription through the group purchase website. In the terms of purchase, the group purchase website wrote: "according to the requirements of the China Banking Regulatory Commission, a single employee subscribe to the trust and financial products not less than (including) 1 million trust units, each unit of 1 yuan, that is, the subscription amount should not be less than 1 million yuan; if a single employee subscription amount is less than 1 million yuan, the group will buy the group by the employees themselves, and the total amount of a single group purchase exceeds 1 million yuan to sign the contract." However, the relevant provisions of the China Banking Regulatory Commission (CBRC) have never stipulated the starting point of investment in the aggregate trust scheme. Financial experts pointed out that the lack of professionalism of group buying websites may make products contain many risks in the sales process.

　　 Learn to avoid risks

At present, because of the high investment threshold of some financial products, such as trust products, private equity funds, some investors invest with their relatives and friends, although they temporarily meet the investment threshold requirements, they also successfully buy financial products, but the risks involved can not be ignored.

Although it is a pool of money to invest, everyone has invested money, but only all of the funds can be registered in one of them, only this person enjoys the right to benefit. In case of accidents or disputes, the interests of other investors may not be guaranteed. Financial experts pointed out that this way is also explicitly prohibited by the regulatory authorities. It is reported that the trust fund collection trust management plan eleventh, the second paragraph stipulates: "the trustor should subscribe to the trust unit with all its legal funds, and shall not illegally collect other people's funds to participate in the trust plan".

In addition, investors should be highly vigilant whether they are involved in illegal fund-raising. For example, a group of trust products is purchased by investors. The investor should sign an individual contract with the trust company instead of buying it only in the name of someone.

A third party financial institution recently launched a trust product with a starting point of only 400 thousand yuan, with an expected annual yield of 7%-8%. However, the author inquired about the website of the trust company (the trustee), which is known as the product information, and found no trace of the product. The website of the trust company has always announced the information of the aggregate trust plan. In addition, no other trusted information related to this product can be found on the Internet. Although we can not confirm whether the product really exists, there are many doubtful points. When investors encounter financial products with very low investment threshold, we must make more textual research and not blindly invest. In any case, investment and financial management products must not be as casual as buying Chinese cabbage. Besides, super cheap Chinese cabbage is also a suspect.