In addition, in order to know the direction of funds, it is best to deposit funds through banks to ensure the safety of funds and the authenticity of transactions to the greatest extent. In life, many informal offline investment and wealth management companies set up stores near residential areas, mainly to publicize middle-aged and elderly people and set up fraud traps by taking advantage of their weak legal awareness and lack of online investment and wealth management knowledge.
Investors should learn to see through investment scams and use legal weapons to safeguard their legitimate rights and interests. In order to attract investors' attention, some wealth management companies will make various promotional contents in brochures. Operating similar wealth management products is the safest, with the highest income, 100% principal and interest guarantee, underwriting by insurance companies, etc. Even use the names and images of state organs or their staff.
Most of these propaganda contents are untrue, and there are false propaganda, which also violates the relevant provisions of the Advertising Law. Investors should be alert to these false propaganda, actively report to the administrative department for industry and commerce after discovery, and rely on administrative punishment to crack down on illegal marketing behavior. Signing a legal and effective investment contract is an important guarantee to ensure investment safety.
When investors choose investment objects and projects, they need to consider the position of investment companies in the investment process. If it is only an intermediary that provides an investment platform, then investors should be required to disclose the detailed identity and property information of the actual borrower, always pay attention to the whereabouts of the investment funds, and investigate the responsibility of the actual borrower in time after the dispute occurs.
On the other hand, if the investor directly signs a loan agreement with the investment and wealth management company, or agrees with the investment and wealth management company that the borrower fails to repay in time, the investment and wealth management company will bear the repayment responsibility, and the investor can directly claim repayment of principal and interest from the investment and wealth management company. Before signing an investment contract, we should carefully screen the operating conditions of the investment company.
Inquire about the information from the industrial and commercial departments and judicial departments to find out whether there is an insurance company and the insured amount. If there is a dispute with an investment company and it is difficult to claim the investment, investors can actively file a civil lawsuit and rely on legal channels to protect their rights. If the investment company is found to be suspected of fraud, call the police as soon as possible and take pre-litigation preservation measures according to the situation to prevent the other party from transferring property.
In the process of case investigation, it is necessary to cooperate with the judicial department to provide case clues and property information to facilitate the relevant authorities to seal up and detain. If the investment company is insured, it can also claim compensation from the insurance company and ask it to assume the responsibility of guarantee.