3.15, Watch Out For Financial Traps.

The financial sector can be said to be the most frequent activity of large and small "Huai" masters. There is no reason why it is too expensive and too good to earn.

Although everyone knows that the sky will not drop, but in the word "money" still can not help hesitating - perhaps I am lucky enough to be able to Bo Bo, and those "Huai" ace of the majority of ordinary people to use the lack of knowledge of financial management, designed to prevent a lot of financial trap, "the hard-earned hard-earned money" zoned to their accounts.

It is true that every year, "3. 15" is bound to have several "bad eggs" made public. But what happens after that? Or every year, there is such a right that needs "dimension". Investors have such a kind of capital that needs to be "discussed".

In the face of the bottomless capital market, we can only take stock of all kinds of new "door events" that are up to date. Please don't forget the pain.

Bank articles

Why do you define me as a "radical" investor?

Chen Xiaoyu, who has just worked for 5 years, has recently had a troubled affair and has always been prudent in investing. Now he is still wondering why he is in the bank.

Generally speaking, banks will divide customers into 6 categories: conservative, robust, balanced, growth, aggressive and radical. The corresponding risk level of financial products is also divided into 6 levels according to very low risk, low risk, low risk, medium risk, high risk and high risk.

Chen Xiaoyu began buying financial products in March last year. After filling in his age, investment purpose, stock investment experience, fund investment experience and family assets, his financial capability and investment experience were not too high. He was rated as a "stable" investor by bank staff.

Unexpectedly, after the end of this year, he took out the year-end bonus and prepared to go to another commercial bank to continue to buy financial products. The staff said he only needed to fill in his personal information and confirm the signature, so that I could help you fill out the risk assessment test.

The service of the bank staff had made Chen Xiaoyu feel meticulous and thoughtful. He bought a product that linked gold with the highly recommended staff.

After waiting for home, Chen Xiaoyu discovered that the product was not quite the same as what he had been buying before. Although the expected rate of return was relatively high, there was a gambling element in it.

"I'm scared, how can this product be considered as a steady type?" Chen Xiaoyu asked again. He knew that his column of evaluation results had been filled with "radical type", and the other side gave reasons: "fill in this form, and you can buy any kind of financial product."

Chen Xiaoyu had eaten the stuffy deficit and did it this time. He immediately took the money out. "If I hadn't found it later, I might not have known it."

Comment: according to the "sales management method of commercial bank financial products" launched this year, commercial banks must conduct risk tolerance assessment at the bank's outlets before customers purchase their financial products for the first time.

"Prudent" customers generally only buy basic financial products, the lower limit of purchase is 50 thousand yuan.

However, if banks increase their risk tolerance to "radical", they can sell all kinds of financial products with various risk levels to consumers, and the purchase amount will also be increased accordingly.

However, this practice obviously ignores the consumer's most basic right to avoid risks. Once the investment is at a loss, consumers will suffer much more losses than banks.

Experts say investors may complain to the CBRC about the improper sale and misleading sales behavior of commercial banks when they sell their products in financial markets.

Futures article

The operation of "professionals" has never been returned.

Mr. Jiang is a small boss of a decoration company. He has about 1 million yuan in his hand.

3 days after the successful opening of the account, Mr. Jiang received the information from the other side and said, "it's very good."

He immediately looked at his personal account and found that he had earned more than 6000 yuan.

After several months of operation, Mr. Jiang also made about 20 thousand yuan, so he invested another 500 thousand yuan in the proposal.

In December last year, the other side told Mr. Jiang that because of the "system upgrading" of the agricultural products trading market, there would be no paction record in the next few days.

A few days later, when Mr. Jiang looked at the paction records again, he found that he could not log in.

A week later, when Mr. Chiang checked his account again, he was shocked. There were only 50 thousand yuan left in his account.

He immediately called to ask the other party, and the answer was, "this is just as good or bad as the stock market. It's normal. It can be made right away."

But Mr. Chiang did not feel quite right. He looked at the details of the paction and found something strange. One day in December last year, his account was traded for more than 600, and the about 600000 yuan in the account was lost in the Bibi paction.

Besides, these pactions are also very strange. They are basically high buying and low selling.

When he realized that he was wrong, Mr. Jiang resolutely reported that his account was likely to be "black" and his account password had been changed.

That is to say, the other party used Mr. Jiang's trust to remove his password and operate it, deliberately losing all his money.

This kind of customer service financing "

Comments: for the above "behalf of customers" financial trap, "killing cooked" is a common feature.

Investors should be cautious about investing and managing money that they do not understand, and never give their money to those "Acquaintances" who do not know.

In managing finances, you should keep your account information well so as to avoid causing unnecessary losses to information leakage.

It is worth mentioning that banks also have some overseas financial products, and credit risk is also an important risk.

Stock article

Follow the "investment company" to buy shares, three profits and five losses.

Mr. Wu, who is 31 years old, is going to buy a house recently, but he still has tens of thousands of money to pay if he wants to pay the down payment.

According to the company's instructions, Mr. Wu began to buy shares. The other party usually calls him in the morning to let him enter the market, and then notifications him when he sells it, then he will hit the intermediary fee on the other's account according to the earned money.

"At the very beginning, their phone calls were very diligent, and two weeks recommended 3 stocks, making more than 10 thousand."

Therefore, although the heart is still some vigilance, but Mr. Wu still slowly increased investment, did not think the fourth time began to lose money, "I think the organization is also composed of people, experts are people are not gods, to allow others to make mistakes, this week loss is still next week, and then bought a few times, who knows there is no return, the loss of money earned before entering."

In fact, there have been several cases similar to Mr. Wu in recent days.

A shareholder exposed the hoax of Nanjing HFA technology and Trade Co., Ltd. (also known as "red vest"). Every Sunday afternoon, the company invites all shareholders who have not yet become a client to attend classes and collect fees from clients. The charges range from high-end customers 58000 yuan / year to ordinary customers 580 yuan / year.

The method of operation is to notify customers immediately by SMS on a Monday or Tuesday, and then text messages to customers on Thursday or Friday.

Only 1 customers are allowed to operate weekly, and the profit is guaranteed to be over 5%, but the result is just like that of Mr. Wu.

Comment: if it is an old stock investor, I believe that Zhao Xiaoyun, who is the top Chinese A stock investor who has been a big investor in Qingshan Paper Industry (3.55, -0.12, -3.27%), is still fresh in memory.

Like the operation techniques of these "Zhuangs" at that time, these companies do not have any qualifications at all. Such cases are often mentioned in the internal compliance and investor education of the brokers and associations, and the nature and fraudulent practices are not fresh: they have been set up two days ahead of time, and then notify the ordinary customers to receive the goods at the time of the profit, and to sacrifice the interests of the small customers to guarantee their own business.

In this regard, investors should not be dispirited by being deceived and fooled. They should learn to pick up legal weapons to protect their rights and interests.