Everyone must keep their eyes open and carefully identify the true face of wealth management products. Don't be deceived by the so-called high interest rate and high return, and beware of being cheated and losing all your money.
Common deceptive "tricks" in financial fraud
High-return scam of deposit interest
Many investors who are fooled into buying dividend insurance are recommended by bank sales staff, boasting that funds can be withdrawn at any time, and the annual income of 7%-8% misleads investors. At present, most of the insurances sold by banks are dividend insurance and investment-linked insurance. The overall protection function of this kind of insurance is not strong, the overall premium is high, and the dividend in the dividend insurance is not guaranteed.
Network financial management trap
? Scam form: With attractive information such as "daily rebate", "guaranteed income" and "income can reach more than 20%" as the gimmick, under the banner of helping investors buy securities such as original shares, investors' funds will be remitted to other people's accounts to defraud money. Don't be fooled by high income, be sure to recognize the qualifications of sales staff and investment channels, and be careful not to fall into the trap when meeting the requirements of remittance to someone's account.
Private lending scam
Under the guise of annual interest rate of 20%, 30% or even higher, investors will add hundreds of thousands or even millions of "sweets" after investing tens of thousands at the beginning, and finally borrowers will run away and enterprises will close down. This kind of scam is too common among the people. Many people covet high interest rates and get nothing.
false propaganda
Opening to the outside world claims to have a professional elite team and a high-end atmosphere. In order to better convince you that they have the strength to make money, scammers will publicize and plan their elite team, and make all kinds of auras, even the office address is high-end and high-grade. This is to make you trust them and let you enter their trap.
★ What matters need to be serious and clear when buying financial management?
(1) In some areas, only a few banks have opened personal unsecured loans, and the payroll card needs to go to the bank to sign a contract and provide a bank statement;
② The interest rate should be reasonable, below 24%, with judicial protection; More than 36% is usury, which is not protected by law.
(3) To participate in private lending, you must go to the other company for on-the-spot investigation and sign a formal contract instead of a verbal agreement. It is best to consult a lawyer if there are any illegal clauses in the loan contract;
(4) Keep a copy of the business license and ID card of the other company to distinguish authenticity.
? "Investment is risky, and financial management needs to be cautious" is something we often hear, and scammers often use people's psychology of "getting something for nothing" and "getting rich overnight" to cheat.
What you want is income, but the liar is interested in your principal. Therefore, give up the luck of "taking shortcuts" to get rich. Build your own investment framework in a down-to-earth manner, so that the income will continue to be stable.