Investment And Financing: There Are Also Fake Products Sold By Banks.

Not all milk is called X su. What is the difference between milk and special X Sue? "Milk in water" or "water in milk"?

To put it simply, this is a matter of milk and water. The essence is milk water.

This corresponds to bank financing, not the financial products sold by banks are called "bank financial products". What is the difference between financial products and financial products sold by banks?

To put it simply, this is a question of "adoption" and "birth". The essence is financial products.

We often see some news that investors in the bank bought financial products lost money, in the bank outlets, or to pull the bar to safeguard their rights, or even a lawsuit against the court, such a case is very common.

Many people choose to buy financial products in banks because of their trust in banks. They believe that financial products are reliable. They do not lose money. The vast majority of people know about bank financial products. They are not guaranteed capital, the expected rate of return, and little information about others. Generally, they choose to believe in the recommendation of bank financial managers.

But we do not know that banks sell not only financial products but also financial products from other financial institutions such as insurance, funds and precious metals.

As for the bonus of financial manager, the financial contribution of others is low, and the adoption of financial products of other financial institutions is very high, which often leads to vague introduction and introduction.

When many people buy, they do not read the product manual, they sign at the designated location.

Only when I lost money did I think of the instructions, only to find that what I bought was not a bank financial product at all.

For a lot of media exposure, about the loss of money from bank financial products, Xiaobian can be very responsible. In these cases, more than 90% of them are not banks' own "biological" banks.

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All of them were bought by "flicker", and the banks did not acknowledge their debts if they lost money.

So how can we distinguish financial products from "adoption" or "biological"? Actually, it is not difficult at all. Just look at whether the product manager is a bank.

People are banks. That is the most reliable financial products that most people understand. If managers are not banks, it means that banks are "adoptive". The professional point is the financial products sold by banks.

There are also many kinds of financial products that are sold on commission: insurance, funds, precious metals, foreign exchange, private placement, trust and so on. These "adoptive" children have different natures, so when buying, they must see clearly who is the manager of the product.

Some people say that it is too difficult to read the product instructions. N page has written a lot of words that can not be read. Where do you want me to look for the product manager? In addition to finding product managers, there is a professional institution that can identify the "parent child" for bank financing. Every bank has its own "birth". In the product description, there will be 14 product registration codes beginning with the capital letter "C". Moreover, this code is easy to find in the financial product specification. If you enter the registration code in the search box of China financial net, you will query the corresponding product. If the query is not available, it will not be a real bank financial product.

Knowing these two tips, you will not be fooled by the bank's financial manager. You will not go in with the money you buy and take the contract to buy insurance.