Mine-a "safety product" is not safe

Simple classification of bank wealth management products can be divided into guaranteed and non-guaranteed categories. The risk of loss of principal of guaranteed wealth management products is borne by banks, while the risk of non-guaranteed wealth management products is borne by customers. Non-principal-guaranteed wealth management products are also classified into risk levels. The lower the risk, the higher the security and the income can be achieved.

in practice, the security products claimed by most bank staff are actually non-guaranteed products. Although non-guaranteed financial management does not mean risks, it is better to guarantee the absolute security of the principal. Of course, this also means that some gains may need to be sacrificed.

another key point of confirming capital preservation financial management is that the word "capital preservation" is clearly indicated in the product manual.

The expected income of Landmine II can't reach

Most wealth management products in banks promise expected income. The so-called expected income is like a flower in the mirror in the water, just a beautiful fantasy. As for the income after the real maturity, it is unknown. Friends can take a closer look at the product manual of purchasing wealth management, and the expected rate of return will not be written, so the bank does not guarantee to fully achieve the expected return.

in practice, generally speaking, structured wealth management products (investment products involving fixed income and financial derivatives) fail to achieve the highest expected return, while unstructured wealth management products (investment products are generally fixed income products) are rare.

When purchasing wealth management products, you need to carefully browse the section "Management and Composition of Basic Assets". If financial derivatives appear, they are structured wealth management products, or directly ask the bank staff whether they are structured wealth management. In this case, bank staff generally will not lie.

The so-called flying ticket sales are that bank staff use investors' trust in the bank to sell external wealth management products to get high commission. Simply put, it is to sell dog meat by hanging sheep's head. You think you are buying bank insurance products, but in fact it is probably a high-risk product that you don't know about pheasant companies.

This kind of sales is strictly prohibited in banks, but because of the high returns, some bank employees take risks. The annualized rate of return on financial management of flying orders is much higher than that of general bank financial products. Generally speaking, real estate trust, private equity and other fields are the gathering places of bank flying orders, and the annualized rate of return is basically above 1%. But relatively speaking, the risks are also particularly great.

there are three ways to identify whether it is a flying ticket product: first, look at the product manager in the description. If the product manager is not the bank itself, but an investment company, you need to be vigilant. In this case, it is usually a flying ticket; Second, through bank online banking or bank customer service telephone inquiry, if this wealth management can not find information in the above channels, you need to be vigilant; The third is to see if the receipt of the product manual has the official seal of the bank. If there is no official seal of the bank on the receipt, it is generally problematic.

the bank doesn't cover all the products on consignment of Landmine IV

The biggest difference between the products on consignment of Landmine IV and the flying orders is that the products on consignment of Landmine IV are external products approved by the bank. Most of these products are insurance, funds and other products, and the risks are different according to different products.

Therefore, when buying bank wealth management products, you need to ask whether the products you sell are the bank's own wealth management products, whether they are stamped with the official seal of the bank and whether the manager of wealth management is the bank itself. If not, you need to pay more attention. Bank staff will sometimes be forced by performance pressure to induce customers to buy insurance and other consignment products, and friends need to carefully screen.

generally speaking, friends can reduce the risk of falling in by seeing the above four traps clearly.

dividing line

So, what if your assets are more than 1 million and you meet a team of scammers? Don't worry, Jin Meier also has a big move:

1. Check the "ID card" of wealth management products.

in p>214, the China banking regulatory commission issued a document clearly stating that when banks sell wealth management products for ordinary individual customers, they should publish the registration code of the products sold in the "national banking wealth management product registration system" in the promotional sales text.

This registration code is similar to the "ID card" of wealth management products. When customers buy self-operated wealth management products from banks, they can make inquiries on China Wealth Management Network (www.chinawealth.com.cn) through the product "registration code". You can find out if the product you bought is a "black household".

2. Whether to record or video.

according to the regulations, when signing a contract for purchasing bank wealth management, it must be carried out under the supervision of the bank's business outlets, with audio and video recordings.

customers can learn more about the product types, risk attributes, expected returns and other information of the products they buy. The bank wealth management manager should also clearly remind customers of risks and need customers to confirm the relevant product information they have learned. This is not only to prevent customers from buying fake wealth management products, but also to protect bank employees.

3. The flow of funds should be clear.

At present, most banks' self-operated wealth management products and consignment products do not require customers to transfer their purchase funds to other accounts. After purchase, they can check the dynamic situation of purchase success and subsequent income through online banking, or print accounts at bank outlets to check. If the salesperson prompts to transfer the funds to other institutions, it must be confirmed repeatedly to prevent being cheated.

4. Take good care of your bank card and password.

as the saying goes, you can't be defensive. In some known cases at present, quite a few local customers have great trust in their exclusive financial managers, and even tell each other the password of their bank cards. Here, I still want to remind everyone that we still have to be cautious and careful when telling the password.