How To Distinguish Between Street Marketing And High-Yield Financial Products?

< p > "Hello, do you have financial need?" we have a < a href= "http://www.91se91.com" > financial product < /a > yield 8%-13%.

Recently, many people walk in the street and are often stopped to sell their wealth management products.

Are these high-yield financial products reliable? Are they pie or traps? < /p >

< p > < strong > Station Street leaflets, especially for middle-aged and elderly people < /strong > < /p >

< p > 22 p.m. four p.m., Xinjiekou, Nanjing.

Some forty or fifty year old middle-aged people, carrying the paper bag with "Yixin wealth", walked out of the two phase of the Asia Pacific business building, and were eyed by the financial managers of another Mammon Inc at the gate, greeting, delivering business cards, asking financial needs and selling financial products.

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< p > financial managers are very good at identifying, wearing shirts, trousers and necks hanging from various colored ribbons around their necks.

In Nanjing, they usually appear in areas with dense financial institutions, such as Xinjiekou Merchants Bank (600036, stock bar) and Nanjing international finance center square, Zhongshan East Road life building, and others such as Gulou Greenland and InterContinental Hotel.

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< p > the supermarket near the residential area is also the place where they set up the stalls.

Zhou Hongxia, who lives near stone gate, is surrounded by these financial managers every time they enter or leave the supermarket.

"In order to sell me, they will help carry things, so that they can walk and talk."

She said such enthusiasm was rather alarming.

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< p > in the eyes of financial managers, the middle aged and the elderly are their best customers.

Nanjing Zijin Wealth Management Manager Chen Haizhou told reporters, "they have money and time, do not need to consider buying a house and so on, idle funds are many."

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< p > < strong > renting high-end office buildings, left handed financing, right hand lending < /strong > /p >

< p > although standing on the street and in the supermarket, they distribute leaflets, but the offices of these financial companies and Mammon Inc are very tall. Some high-end office buildings such as Nanjing international financial center and purple peak building are the office's first choice for such companies.

In the 30 floor of the Asia Pacific business building, Huizhong fortune rented 1100 square meters of office, the annual rent will be 2 million 400 thousand yuan.

"Investors will increase trust in us when they look at our office environment."

Financial manager Zhang Youlong said.

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Liu Zheng P once worked in a foreign bank and then moved to a large Mammon Inc in China.

He told reporters that Mammon Inc is mainly P2P (everyone loan) mode, the financial side and the loan side separately running, one hand to do financial management to absorb funds, lend loans.

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< p > there are three or four people standing on the stairs every day in front of the Nanjing battalion and tube building of the people's Bank of Zhongshan East Road.

"Squatting here is because many people come here to inquire about the credit report. It may be someone who needs loans and who can't lend them to the bank."

Peng Chun, a 24 year old Jiu Fu investment company, told reporters that if the borrower is a stable job such as civil servants, the monthly interest rate is 1.6-1.8%, and other occupations are generally 2.4%, which means that the annual interest rate is between 20%-30%.

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< p > emphasizing risk is also the focal point of Mammon Inc, but it is not so professional.

"We will extract 2% of the borrower's loan amount as a risk reserve, and if there is a breach, we will first compensate for it."

Zhang Younian, fortune product manager, said.

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< p > < strong > development is too fast. We hope that supervision will soon come to < /strong > /p >

< p > whether it is online or offline, the development of the third party financial market is fast enough to make people speechless.

According to incomplete statistics, the number of P2P platforms in the country has exceeded 2000. In 2013, the total volume of domestic trade amounted to 105 billion 800 million yuan, an increase of nearly five times compared with 2012.

Yi Xin fortune CEO Downing attended the forum 25 in Nanjing, said that the current domestic a href= "http://www.91se91.com/news/index_c.asp" > wealth < /a > management industry is in the rush stage, some people want to make money.

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< p > "many people who have been in the bank, insurance (security assured) company have jumped out to do their own work, others have been Guarantee Corporation, and have changed their faces to do wealth management."

Liu Zheng said, the threshold of doing this business is very low, it is OK to register in the trade and Industry Bureau. It doesn't cost much money. Anyway, it is not a financial enterprise, it is a service category.

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< p > financial companies, whether online or offline, are standing on the edge of illegal fund raising.

According to incomplete statistics, there are 101 P2P platforms running across the country since last year.

In Nanjing alone, more than 10 companies have been on the road since the beginning of this year.

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< p > as the leading P2P enterprise in China, Yi Xin's wealth has exceeded 50 billion yuan in the domestic scale. Recently, it has been questioned by bad debts and business models.

In response, the joint venture general manager, Shang Xiao, responded that the project at risk had already been paid in advance and increased the intensity of risk control.

"This industry is developing too fast. I hope it will come quickly."

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< p > with the rapid development of P2P and third party financial markets, the regulatory authorities such as the central bank and the Banking Regulatory Commission have increased the concern of this industry.

Within a few days, more than 2000 P2P institutions in the country were listed by Baidu over 800, and Baidu said it would further expand the liquidation action to all search results, and the net loan platform is facing an accelerated shuffle.

It is reported that the CBRC has convened a number of well-known a href= "http://www.91se91.com" P2P "/a" platform leaders again, and will issue regulatory details before the end of the year.

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