Distinguish whether your investment belongs to investment, loan or fraud.
Negotiate with the investment platform.
First of all, you should distinguish whether your so-called "investment" is used in real projects. If you invest your money in a specific project, and you are a shareholder or partner, then according to the principle of * * * sharing benefits and risks, if the investment fails, then the losses arising therefrom are generally borne by yourself.
Secondly, some people sign contracts that are nominally investments, but in fact they are not shareholders and do not enjoy the relevant rights and interests of investors, but only have the right to return interest on a regular basis. Then this kind of contract is called investment, but it is actually a loan. If this is the case, if the other party fails to repay the money at the expiration of the contract, it may bring a lawsuit to the people's court to demand repayment of the principal and interest as agreed in the contract.
Third, some investment companies now take zero risk and high return as bait, violate the financial management regulations of the state, sign contracts with a large number of unspecified people, illegally absorb public deposits or absorb public deposits in disguise, resulting in many people losing their blood. This situation may constitute the crime of illegally absorbing public deposits in the criminal law. We should remind each other of this kind of suspected illegal behavior and actively report the case to the public security organ, so that Ponzi scheme has nowhere to hide.
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1. How to deal with the unexpired emergency money of wealth management products?
1. Bank internal financial management transfer platform
It is understood that banks such as China Merchants, CITIC, Shanghai Pudong Development Bank and Zhejiang Merchants have all launched bank wealth management transfer platforms. Customers can publish their own wealth management products on the platform. If other customers with matching risks buy, the transfer is successful.
Advantages: you can realize your own pricing without losing the daily income.
Disadvantages: It only supports the transfer of some products such as expected income, and does not cover all types of wealth management products.
2. Stock transfer
The transferor can find customers by himself, or entrust the wealth management manager to handle the transfer procedures of wealth management products offline. However, the intended customer must meet the risk level of purchasing wealth management products.
Advantages: For banks that have not established a wealth management product transfer platform, this method can help customers quit without losing revenue.
Disadvantages: offline search is time-consuming and laborious, and it may not be possible to find suitable customers in a short time.