Second, the deadline should not be too long. At present, the domestic economic situation is full of variables, and the risk system of wealth management products is self-evident. Investors are advised not to invest more than 1 year in wealth management projects, and they can turn around at any time as long as they buy wealth management products for 3-6 months. Third, at present, the regulatory authorities have given various financial institutions a transition period, which will not end until the end of 2020. Therefore, investors can now focus on purchasing wealth management products with guaranteed capital and interest. At least, in the short term, banks can still launch wealth management products with guaranteed capital and interest.
On the other hand, the "flying order" of bank wealth management products means that bank staff use their position to recommend investors to sell wealth management products outside the bank. These wealth management products, including insurance, funds, private financing and P2P products, belong to "false wealth management" products. In other words, investors actually buy wealth management products that are not managed by banks, and these products themselves fabricate some non-existent projects to deceive everyone.
For investors, don't trust the recommendation of bank sales staff and try not to buy products sold by banks. You must take the following precautions to ensure the safety of your investment funds: First, read carefully when signing wealth management products, and the sales of wealth management products must be called by the bank. For products with obvious insurance policies and third-party financing, the visa should be refused. Don't patronize the high rate of return mentioned in the brochure.
Second, according to the regulations, banks can only issue wealth management products that have been registered in the wealth management system and obtained the registration code. According to the registration code, investors can check the product information on China Wealth Management Online to see whether the purchased product is a formal wealth management product issued by the bank. If not, then there must be something wrong with this wealth management product, and you can report it to the regulatory authorities. Third, when signing a financial management contract, it is necessary to record audio and video to avoid disputes.