In the face of complicated wealth management products, people can't help but be dazzled. There are more and more scams accompanying financial management. Many people were trapped and suffered heavy losses.
Ms. Li thought she bought a bank wealth management product, but she didn't expect it to be an investment product illegally sold by the bank account manager. In the end, she lost all her money, and there was no way to complain. In fact, Ms. Li's investment and financial management trap is an undercurrent of "flying orders" in many bank outlets.
Deception case
Wang is a retired old man in Suzhou. At the beginning of this year, my wife was diagnosed with advanced lymphoma. Every moonlight costs tens of thousands of dollars for chemotherapy. In order to maintain his wife's medical expenses, on August 3, Wang bought a wealth management product named "Youke Life Project Financing Loan" from a bank savings office with a resettlement fee of 6,543,800 yuan shared by family demolition.
This wealth management product shows the annual income 1 1%, which is paid every month. If it is 1 10,000 per month, you can give more than 9 100. This money is definitely quite attractive to Wang. After all, most of his wife's money for chemotherapy now comes from himself.
Who knows that in less than three months, the director of the savings office, You Mou, suddenly called Wang, saying that there was a problem with Yicheng Finance, a wealth management company, and the money might not come back.
And take Wang to the police station in the jurisdiction. When Wang saw it, many people reported there that it was a fraud company and the boss ran away.
After the incident, Wang went to a bank to understand the situation, but the bank said that this wealth management product has nothing to do with the bank. It is understood that the contract of "Youke Life Project Financing Loan" signed by Wang is actually a third-party wealth management product. The borrower is Suzhou Youke Life Investment Management Co., Ltd., and the borrower and guarantor are Jiangsu Yicheng Investment Co., Ltd. and Jiangsu Guocheng Yingke Asset Management Co., Ltd., and there are no bank-related signatures and seals in the contract. In addition, Wang's 6,543,800 yuan was transferred to the guarantor's account, not the borrower's account. However, the person who recommended Wang to buy this wealth management product was especially the director of a bank savings office.
Wang bought a non-bank consignment product at the bank and suffered a loss.
Temptation analysis
The reason for the success of this scam:
1. "High yield" is really attractive; 2. unprofessional and superstitious investment consultants; 3. steal the beam and replace the column.
Case warning:
Although this scam seems to be a different person or a change in form, it still has some * * * characteristics. It's actually easy to identify a scam.
Many people are easily fooled by the so-called "super high income". Don't be confused by high returns when buying wealth management projects. Be sure to recognize the qualifications and investment channels of sales personnel, and be careful to avoid falling into the trap when meeting the requirements of remittance to someone's account.
Even in the face of bank staff, don't trust any high-interest promises, let alone follow the bank staff to handle deposits and wealth management business anywhere outside the bank.