Is the appreciation of commemorative coins recommended by the bank credit card staff reliable?

this kind of sales method is very common. It is nothing more than selling all kinds of commemorative coins at high prices under the banner of the bank. It is said that it is sky-high and valuable, and there is no great potential for appreciation. The actual selling price has exceeded the market price by a lot, and most of them are gold-plated and silver-plated commemorative medals that no one has speculated, and there is not much collection value.

Commemorative coins are legal tender issued by a country to commemorate international or domestic political, historical and cultural events, outstanding figures, places of interest, rare animals and plants, sports events, etc. They include ordinary commemorative coins and precious metal commemorative coins. Quality is generally refined and distributed.

Commemorative coins issued in China have a specific theme. They are designed and manufactured by the State authorized the People's Bank of China to designate the National Mint, and are legal tender issued by the National Bank in a unified plan. Commemorative coins are usually issued to commemorate China's major political and historical events, traditional culture and other things of special significance. Ordinary commemorative coins have the same value as RMB with the same denomination circulating in the market and can be circulated in the market at the same time. The function of commemorative coins is mainly to meet the public's collection requirements, not to be used for circulation. Specific theme and issue are the main characteristics of commemorative coins.

value preservation and appreciation?

Buying "commemorative coins" is a scam

Ms. Fu, a citizen of Xiangshan, Ningbo, said that she once received a phone call: a man who claimed to be a staff member of Ping An Bank, Xiao Shen, sold her gold and silver commemorative coins and souvenirs. Because Ms. Fu is a customer of Ping An Bank, she has no doubt about Xiao Shen's identity.

Ms. Fu, the victim: I called to say that this collection is valuable. How much did you buy now, and how much did it cost in the future? Now it costs several thousand to increase several times in the future.

whether this product can make money or not, Ms. Fu, who was skeptical, tried and bought a set, and then Ms. Fu received calls from Xiao Shen one after another.

Victim Ms. Fu: He said that this collection will definitely increase in value next time. I said, why did you come to me for such a good business? He said that you are an old customer. At that time, he said that I used Ping An Bank's credit card very well to take care of your old customers. He said that on September 12, people with internal collections will be acquired, with a value of 7, yuan.

after listening to this, Ms. Fu finally spent 2, yuan on six sets of gold and silver commemorative coins and souvenirs.

Ms. Fu, the victim: The value I bought was more than 2,, and it all accumulated. Let's see, a few thousand dollars. If it's 23 thousand, it can sell for seven or eight thousand, and if it's 7 thousand, it can sell for more than 1 thousand sets. It's not a long time either. He said it could be bought in a few months, so I thought about making some money, like this.

more than half a year has passed, and it's almost time for the company to buy back commemorative coins, as Xiao Shen said, but the other party has never had an accurate time and specific arrangement for the repurchase. Ms. Fu couldn't help it. She called Xiao Shen to ask, and there was only one sentence on the other end of the phone: "Soon, soon." Ms. Fu urged her more times, and the other party simply blacked her out, and Ms. Fu realized that she had been cheated.

melting the "gold and silver commemorative coins"

counterfeit copper and iron

Ms. Fu, who realized that she had been cheated, quickly reported to the police. After understanding the ins and outs of the incident, the police found that the first thing to do was to find out the authenticity of these gold and silver commemorative coins.

It is confirmed by melting experiments that these so-called "gold and silver commemorative coins" are all counterfeit. After the appraisal by professional appraisal institutions in Ningbo, the results show that the so-called "gold coins" are actually made of copper, and the so-called "silver coins" are made of iron, and the highest price is only 3 yuan.

Is it reliable for the bank credit card staff to call and recommend the purchase of commemorative coins?

Commemorative coins have collectible value, but they are different according to the number of issues, particularity, scarcity and other values. If you want more room for appreciation in the future, you can choose commemorative coins issued on special days, but commemorative coins may also depreciate. Commemorative coins are legal tender and can be divided into two categories: precious metal commemorative coins and ordinary commemorative coins. Precious metal commemorative coins cannot be circulated, and commemorative coins are made of various materials, mostly alloys.

: confuse the concept of commemorative coins

1. confuse commemorative coins with commemorative clothes. The value of commemorative coins and commemorative clothes is completely different. Commemorative coins have denomination, China People's Bank issue, national emblem and other elements. Some banks will deliberately confuse concepts and mislead investors in the marketing process.

2. Exaggerate the collection value of commemorative coins. The value of commemorative coins depends on their scarcity, but some banks will deliberately enlarge their collection value and future appreciation value in the process of sales or promotion, causing misunderstanding among investors

3. There is generally no recycling mechanism for precious metal commemorative clothes promoted by banks. For high premium packaged goods, the seller will not promise to recycle them.

BEIJING, Beijing, August 19 (Xinhua) Zuo Xiuhui, deputy director of the Bureau of Currency, Gold and Silver of the People's Bank of China, pointed out today that fake commemorative coins are counterfeit commemorative coins issued by the People's Bank of China. When the People's Bank of China issues commemorative coins, it will announce the commemorative coin issuance plan to the public in advance.

When each project is released, it will also announce the release announcement to the public, and this information can be obtained on the website of the People's Bank of China. The State Council Press Office held a press conference today. Relevant persons in charge of the People's Bank of China and the State Post Bureau introduced the distribution of commemorative coins and commemorative books commemorating the 7th anniversary of the victory of China People's War of Resistance against Japanese Aggression and the world anti-war, and answered questions from reporters.

Zuo Xiuhui pointed out that counterfeit commemorative coins are a kind of counterfeit RMB in terms of the central bank's anti-counterfeit commemorative coins and consumer protection measures. At present, there are two kinds of fake commemorative coins in the market: one is the so-called commemorative coins that have not been issued by the People's Bank of China and are fabricated by criminals and vendors. The other is that counterfeiters imitate commemorative coins issued by the People's Bank of China. This is the case with counterfeit money and commemorative coins.

Zuo Xiuhui said that some time ago, he saw online shopping channels including TV, including some advertising columns of some radio stations and newspapers, and advertisements of so-called commemorative coins often appeared, as well as advertisements of commemorative coins of China people's War of Resistance against Japanese Aggression and the 7th anniversary of the world's anti-victory. These are all false information, causing misleading and losses to the public.

Zuo Xiuhui emphasized that in order to maintain the seriousness and authority of RMB and protect the legitimate rights and interests of the public, in 29, the People's Bank of China and the State Administration for Industry and Commerce jointly issued the Notice on Strengthening the Management of Various Commemorative Medals and RMB-related Advertisements, which clarified some management requirements for RMB-related advertisements and made some very clear statements.

is the commemorative coin purchased by Minsheng bank in installments responsible for recycling?

is not responsible for recycling.

those are gold and silver commemorative coins, and the market demand is relatively small, so credit card channels are used to promote them.

Can you buy commemorative coins launched by Huaxia Credit Card?

Yes.

commemorative coins are issued in almost every country, and China is no exception. From 1984 to the end of 22, China has issued 117 commemorative coins. There are two kinds of commemorative coins in China, one is precious metal commemorative coins, and the other is ordinary commemorative coins. Ordinary commemorative coins can be circulated just like our normal currency, while precious metal commemorative coins can only be collected but not circulated.

Commemorative coins are generally issued to commemorate a historical event or historical figure. For example, in 215, 5 million commemorative coins were issued to commemorate the 7th anniversary of the victory of the Anti-War, and in 215, aerospace commemorative banknotes were also issued to commemorate the development of China's aviation industry.

Whether you can buy it depends on your purpose. If it's for collection, it's definitely worth buying. After all, the commemorative coins issued this time are to commemorate the 1th anniversary of the founding of the Party, which is quite memorable. If it is said that it is to earn the difference after the appreciation of "speculative currency", then it may not have that great investment value.

Is it true that CCB Credit bought commemorative coins to activate credit cards?

It is true to buy commemorative coins to activate credit cards. As long as it is a formal activity of the bank, you can buy commemorative coins to activate the credit card. This is ok. No problem. Just go to the bank for consultation.

This concludes the introduction of credit card commemorative coins and whether credit card commemorative coins can appreciate. Did you find the information you need?