See if the institution has obtained the corresponding qualifications. The financial industry is a franchise industry, and it is not allowed to operate financial business without a license or beyond the scope. Consumers should choose formal institutions and formal channels with corresponding financial business qualifications to obtain financial services. You can log on to the website of the financial supervision department or the website of the industry association to inquire about the relevant information of the institution, or you can verify the qualification of the institution with the local financial supervision unit.
Second, see if the product meets its own needs and risk tolerance. When purchasing wealth management products, consumers should know important information such as product types, terms, risk levels and warnings, and choose appropriate wealth management products according to their own needs and risk tolerance. We should adhere to rational investment and value investment, not blindly pursue "quick money", but also abandon the concept of getting rich overnight.
Third, look at whether the income is reasonable. Investment and financial management risks and benefits coexist. In the face of marketing propaganda, consumers should focus on whether they have truthfully informed the risks and benefits to prevent being misled or deceived. Be cautious about financial products that promise higher than the average rate of return, and don't believe in false propaganda such as high yield and no risk.
Fourth, we should prevent excessive borrowing. Look at the advertising propaganda such as loan consumption and financial investment rationally, keep the concept of rational financial management, and don't blindly follow the trend of consumption, loan and investment. Teenagers, in particular, should be rational about fan support, idolized borrowing and idolized fund-raising, and beware of falling into financial traps such as illegal fund-raising.
Whether the stars should bear legal responsibility for the P2P products they endorse.
In recent years, with the frequent thunder of P2P, many stars who speak for P2P products have also become the focus of public opinion. Stars such as Lang Lang, Tang Yan, Wang Han and Du Haitao have all spoken for P2P. There are also debates about whether stars should be responsible for the P2P products they endorse and whether they should participate in compensation.
According to many media reports, lawyer Song Yixin, a partner of Shanghai Hanlian Law Firm, said that there are two aspects in terms of legal responsibility. First, if the products (including financial products) and services (including financial services) purchased or consumed by the victim are fraudulent, the victim should undoubtedly be investigated for responsibility from three aspects: criminal sanctions, administrative supervision and civil claims. If there is no fraud in itself, the company can only liquidate its existing assets according to the principle of rigid payment, or even go bankrupt.
Secondly, if the relevant products have celebrity endorsements, it is necessary to see whether there are false advertisements according to the advertising law and other laws and regulations, and it has endless reasonable review obligations (in terms of its ability and scope, such as whether the products it represents have been legally approved, etc. ). If not, celebrities will not take responsibility after endorsement. If there is, it depends on the degree of infringement of false advertisements and decides whether to bear the responsibility of withdrawing endorsement fees.
Refer to the above? China government network-tips to prevent celebrity endorsement of financial products risks