6 Kinds Of Financial Traps Have To Be Protected.

In the whole nation

1. Do you use card traps to activate or sleep?

Miss Yang, a white collar in Kunming, had run a credit card 3 years ago, because she had already had a lot of credit cards, and she decided not to activate it.

Last year, Miss Yang was ready to travel abroad. In order to facilitate shopping, she activated this piece.

Interest free or free?

"Interest free installments, in fact, only half the bank said."

Miss Li recently used a credit card to brush 50 thousand yuan for shopping. Because she often received publicity on the interest free installments of banks, she applied for 6 stages of repayment in order to relieve herself of pressure. As a result, the bank asked her to pay 1620 yuan for the service charges. "Originally, interest free does not mean free at all, and it has to charge my service fee." Miss Lee recalls that she used to be charged with inexplicable charges in the process of using cards, and once brushed a dollar consumption abroad. When the payment was made, the counter could not query the arrears, which led her to pay 1 dollars less, and was fully punished by second months.

Authoritative comment: at present, some banks such as ICBC (601398) have changed their full penalty interest to partial penalty.

The regulatory authorities are also in action. The CBRC recently issued the "supervision and management measures for credit card business of commercial banks", which banned the improper marketing of credit cards, and emphasized that credit cards could not be withheld from any activation without the activation of cardholders.

The industry said that credit card fees should be mandatory disclosure, so that cardholders understand consumption.

Financial planners remind that cardholders should first carefully read their credit card manuals, understand whether credit cards allow pfinite and charges, pay attention to the amount of consumption, and avoid excessive consumption.

2, does the fee trap increase or shrink?

Mr. Fang does not remember how many accounts he has, provident fund, salary card, collecting water and electricity charges, even when he bought a house, he even opened 3 tax rebate accounts. His family's sleeping passbook was a lot of money, and the bank card couldn't match the number. "It's not reported that 500 yuan of Changsha depositors has been saved for more than 100 yuan in 3 years.

Authoritative comments: a few days ago, the China Banking Regulatory Commission, the people's Bank of China and the development and Reform Commission jointly issued the notice on the cancellation of some services charges by banking financial institutions. From July 1st onwards, accounts will be waived for the management fees of small accounts, including accounts for wages, pensions, subsistence allowances, medical insurance, unemployment insurance and housing provident funds signed by contract, while other general accounts with less than 500 yuan in deposit will still be charged.

Therefore, when dealing with bank cards or passbooks, consult the relevant provisions of the bank staff, integrate the accounts on hand, and reserve some necessary cards or passbooks.

3, do you have a silver deposit trap deposit certificate or a policy?

Ms. Li and his wife, who spent 10 thousand yuan in hard work to save money from a bank in Kunming news Road, just entered the door and saw a neat dress worker sitting in the lobby. She enthusiastically recommended two people to invest in a product, which is much higher than the bank's financial products.

After returning home, Ms. Lee's daughter found that this is actually a silver guarantee product, the investment period is at least 5 years, if the midway surrender will be a great loss.

Authoritative comment: behind the bank insurance cooperation, some insurance companies and banks blindly pursue scale. Some salesmen are driven by interests. In the sales process, they exaggerate the proceeds of insurance products, confuse insurance products with deposits, hide risks and deduct expenses, and mislead consumers to buy. There are many cases of change of certificates of deposit.

On the eve of 3 / 15, the CBRC and CIRC jointly organized the bank's insurance sales and issued the guidelines for the supervision of commercial banks' agency insurance business, which explicitly stipulates that commercial banks should not allow insurance companies to be stationed in bank outlets, and they should not confuse insurance products with savings deposits and bank property.

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4, profit trap or lose money? Confuse you.

It has been reported that Ms. Gao bought a financial product called "blue chip plan 2" in Beijing branch of a bank in December 21, 2007. The product has a term of two years, from January 11, 2008 to January 11, 2010, and the yield loss after the expiration of the product is 4.51%.

Gao believes that the product has exaggerated gains and other irregularities. Previously, the slogan was "blue chip Plan No. 2" financial products expected the highest annual yield of 36%, no cap, low risk, and the product for investment in blue chip products, the risk can be imagined.

At the same time, the product prospectus raised 2 billion yuan, the actual operation amount was about 3000000000 Yuan, the product was exposed 1 months after the loss of nearly 10%, Miss Gao has taken the bank to court, on the grounds that many violations of the bank.

Authoritative comment: at present, the expected rate of return, which is referred to in the instruction of financial products, is not equal to the actual rate of return, but it still has some misleading effects in terms of words, and the expected revenue can also be explained as the proceeds that can be obtained on a predetermined date.

When a salesperson makes a promise to sell a financial product, investors have better ask for it to be recorded in writing in order to obtain evidence in the future.

Financial advisers also suggest that when choosing financial products, investors should not only focus on the expected rate of return, but also pay close attention to the risks behind the figures, such as the risk of return, the market risk of investment targets, exchange rate risk and liquidity risk. When necessary, investors can also record the purchase of financial products to protect their own interests.

5, the stock trap news or shady?

"Now is the last chance for this stock to be less than 40 yuan, and all of them will go into the market!" recently, Miss Yang's friend received such news on QQ. Because the other side was also a friend of her friend, she recommended it to miss yang.

On the second day, the stock was really red, and Miss Yang hurriedly threw all the savings into it. Who knows, just started buying, and began to fall all the way, not to mention that it had not seen more than 40 yuan. At the lowest time, it also dropped by more than 30%. Miss Yang said gloomily, "the stock recommended by the stock commentators on the previous TV has lost all its blood, and still believes in the so-called internal news. It is really a bicycle with a bicycle."

Authoritative comment: "now some people have begun to use micro-blog and other new platforms to carry out illegal securities and other activities."

GF Securities (000776) Kunming Dongfeng West Road Sales Department responsible person revealed that from the regulatory authorities learned that the illegal securities activities trap, the experts were ranked first in the stock market.

In addition, there are also a large number of stock exchange and stock recommendation information, which are distributed through stock exchange blog, QQ group, UC video chat room and other network interactive platforms to defraud membership fees and service fees.

There is a positive correlation between the occurrence of illegal securities activities and the market situation. When the stock market is better, the activity of illegal securities becomes more rampant. Some investors are eager to gain profits from the market and are more likely to be deceived.

At the same time, its tactics are concealed and fraudulent.

6, fishing trap Li Kui or Lee ghost? Black you.

In January 17, 2011, the suspect Tam and others made a cottage website of a bank. After sending the text message by group, the Bank of China was notified of the Bank of China (601988). The Internet banking E order was about to expire, requiring the victim to log on to the website to upgrade.

The victim believed that he was logged in on the website provided by SMS, resulting in 300 thousand yuan being cheated.

Because the criminal gang adopted the way of sending messages by group, Chen and others, who received the text messages, were successively fooled, and the amount of being cheated amounted to over 6 yuan.

Authoritative comment: so far, websites like Shanzhai banks and securities companies emerge in an endless stream. The phenomenon of Internet banking theft has occurred frequently. At present, most banks have joined the new security protection function. However, the most important thing is that investors should enhance their awareness of personal information protection, and do not disclose such cards, accounts, passwords, and dynamic password codes.

Do not click on suspicious links, try to manually enter the correct web address to log in to legitimate websites, and guard against entering the short message, phone, web page prompt URL.

(Yang Shuyan Lu Xiaohui)