Yes

Banking institutions will take regulatory measures to investigate and deal with it. Buying wealth management and structured deposits with loans is essentially tx.

Seeking benefits is the key supervision object. When handling loans, banks have certain regulations on the use of loan funds by borrowers. When applying for a loan from a bank, the borrower also needs to explain the purpose of the loan funds to the bank, and also needs to provide the corresponding proof of the use of the loan funds when approving the loan.

Is it safe to buy financial management with bank loans?

If you use a loan to buy a wealth management product, it is risky and generally not recommended.

If I understand correctly, you are going to buy wealth management products with bank loans. If you are going to buy fixed-income wealth management, or if you deposit your money in the bank for regular wealth management, then your loan interest may not be repaid. If your loan interest rate is very low, buy some fixed-income wealth management, or put it in the bank for a fixed period. As long as the fixed deposit rate is higher than the interest rate of your loan, you can make money, and the bank time deposit is still relatively safe. If you want to do this, and you can ensure that your rate of return is higher than the interest rate of bank loans, then it is safer to do so, because you can clearly see the benefits of fixed income or bank regular financial management. In general, as long as its yield is higher than the interest of your loan, then we can earn the difference between us in this way. Under normal circumstances, it is difficult to do so, because the interest on loans is often higher than that of our fixed-income financial management.

If you buy some risky bond funds for financial management, the risk is not small, because even the less risky bond funds sometimes face a decline in share. Therefore, it is risky and unsafe for you to buy such financial products with loans. This is not recommended, and even if this operation is successful, you won't make a lot of money, because generally speaking, the annual yield of bond funds is not very impressive, which may be similar to your bank loan. In addition, such products.

If you use bank loans to buy stock funds or even stocks, it is highly recommended, because stock funds and stocks often face ups and downs. If it rises well, it will account for more, because most people lose money in this kind of financial management operation, and besides your own money, it will be even more irrational for you to manage your finances with your own money, so it is said that you use the bank in front of this risky investment.

So, if you buy wealth management with a bank loan, it depends on what wealth management you buy and the interest rate of your bank loan. If it is fixed income or fixed deposit, if your rate of return is greater than the interest rate of the loan, it is barely acceptable, but the income will be very low. If you want to use the loan money to buy a bond fund, it is risky and unsafe. If you want to use the loan money to buy stock funds or even stocks. This article does not constitute any investment advice, and investors should make their own decisions at their own risk.

Is it illegal if I use the bank's consumer loan as financial leverage? There are still some bad consequences.

It is not illegal, but it is generally not recommended. Leveraged loans are similar, for example, some one-time repayment loans, the company only needs to pay interest, and the principal can be paid off after 1989; Refinancing with the mortgage loan in the subprime loan is to replace the old one with the new one. It is recommended to consult the local bank for loans. Need to prepare information:

1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address: such as house lease contract, water and electricity.

Consumer loans cannot be used to buy wealth management products such as funds, especially when hardware products such as real estate cannot be bought, they must be used for consumption. Banks can monitor the flow of this consumer loan by monitoring the bank account of the loan applicant. Once the bank feels that the purpose of the loan is different from that at the time of application, the bank has the right to recover the loan. Therefore, when applying for a loan, you must be clear about your purpose and use it for special purposes. Only in this way can we meet the conditions for applying for a loan.

However, some people are skeptical. They think that banks have no right to invade their privacy anyway, but this is not the case. The bank will carefully supervise each loan, and once it finds illegal use, it will recover the loan in time.

Leveraged trading is to invest several times the original amount with very little money. In order to expect to get a rate of return that fluctuates several times relative to the investment target, or lose money. Because the increase or decrease of margin (small funds) does not move according to the fluctuation ratio of the underlying assets, it is very risky. Leveraged trading is also called virtual trading and deposit trading. That is, investors use their own funds as a guarantee to enlarge the financing provided by banks or brokers for foreign exchange transactions, that is, to enlarge the trading funds of investors. The financing ratio is generally determined by banks or brokers. The greater the financing ratio, the less money customers need to pay.

Trading is continuous 24 hours a day from Monday to Friday, which is convenient for entering and leaving at any time and avoids the risks caused by gaps every other day. Although there is a gap in the news released regularly during the day, it can be avoided by pre-ordering or empty positions. 24-hour trading also gives office workers enough time to invest and make profits. In particular, the active period of the foreign exchange market is relatively concentrated from 3 pm to 1 1, which coincides with the domestic stock and futures markets in time, providing convenience for domestic office workers to engage in this freest "second job". If they make long-term orders, it will be more worry-free and labor-saving.