3-15 Avoid Financial Trap

In the era of universal financial management, there are many names.

Typical case 1

Not long ago, nearly 50 thousand Chinese banks' online banking users were asked to sign up for www.boczs.com upgrade by SMS, while the real address of the Bank of China was www.boc.cn. Many users were stolen large amounts of cash by mistake on the phishing website.

Comment: at present, most banks have joined the new security protection function, but the important thing is that customers should guard against theft of personal information, including card numbers, account numbers, passwords, dynamic password codes, etc.

Try to manually enter the correct URL.

Typical case 2

In 2009, Yuan Jinqiu, the fund share holder of the southern robust No. 2 fund, proposed that the fund would reinvest the dividends received by the applicant without regard to the wishes of the applicant to clearly specify the dividend distribution method of cash dividends, thereby causing economic losses to the applicant.

Comments: investors need cash, can not rely on the implementation of fund dividends, can directly redeem part of the fund share can be done, but if the contract is tampered with, it is difficult to achieve, so investors should always pay attention to dividends.

Typical case 3

Bank financial products revenue boasts Haikou

In December 21, 2007, Ms. song purchased a financial product named CITIC Blue Chip Project No. 2, a branch of CITIC Bank, whose product number is P07C80101. The product has a two-year term and the yield loss is 4.51% after the expiration of the product.

The complainant, Ms. song, thinks that the product has exaggerated gains and other irregularities. The proceeds from the product brochures are 2 billion yuan, the actual operation amount is about 3000000000 Yuan, and the loss is nearly 10% after a month's operation.

Comments: financial products "exaggerated earnings" and "risk aversion" marketing methods have occurred frequently. At present, in addition to the purchase of new shares, the CBRC has halted other financial products involving banks.

Do not choose to buy products simply based on the income level. You must see if the product is highly risky.

Typical case 4

Gold T+D was forced to liquidate the bank

Last year, international gold prices rose, and banks launched gold T+D business.

In August 31st, the price of gold extended varieties of Shanghai Stock Exchange fluctuated sharply from 271.90 yuan to 289.32 yuan, resulting in the automatic closing of the Minsheng Bank's trading system to those with insufficient margin.

This "strong flat" incident has caused heavy losses to many investors.

Comment: this clearly shows that customers are actually disadvantaged groups in the financial environment.

For investors, a good attitude is the key to gold speculation.

Typical case 5

Bank financial products become insurance

In April last year, Ms. Shaw's 60 year old mother brought savings to CCB to save money. At that time, a staff member suggested buying a financial product with a term of 3 years. If the money was kept for 3 years, it would get a high dividend.

1 years later, the staff came to remind the renewal that Ms Xiao's mother only learned that she had bought 3 new life insurance new double insurance (bonus type) of Xinhua Life Insurance Company (C). If there is no renewal, 30% of the premium will be deducted.

Comments: misleading sales occur from time to time, remind bank customers, when buying financial products, we must seriously understand products, read detailed rules and conditions, and consult face-to-face.

Typical case 6

Old car insurance sells new car price

"When I was on board, no one volunteered to tell me that the risk of vehicle damage was determined by the purchase price of the new car."

Mr. Yang, the owner of the car, said indignantly that the car had been in operation for several years, and that it had already been used. The risk of vehicle damage was always calculated according to the purchase price of the new car.

Comment: if an insurance company receives premium from a new car while underwriting, it should be reasonable to claim the price according to the price of a new car.

However, it is obviously unfair that the total loss of vehicles will be paid according to the actual value of the vehicle.

Many experts suggest perfecting vehicle insurance regulations, strengthening administrative supervision and following the concept of moderate tilt toward consumers.

Typical case 7

Fund rat event

Guo Hai Franklin was also exposed to rat storage due to MSN chat records, and at the same time, he was deeply involved in the MSN vortex and Shen Wan Paris fund.

Although Huang Lin, the former fund manager of the China national income fund, was under investigation, the company said it had nothing to do with the company's business.

Comments: the foundation can be solved through legal channels.

According to relevant laws and regulations, fund companies, trusteeship banks and fund managers should be directly responsible. The general managers or deputy general managers, inspectors and independent directors of the fund companies should bear indirect responsibilities.

Typical case 8

Foreign bank financing makes investors suffer huge losses

In September 2007, Ms Yi saw an advertisement in a newspaper published by a branch of a bank of East Asia, "Li CAITONG 1", which was followed by the "Hong Kong stock direct train". In fact, the "Hong Kong stock through train" was not approved at all.

Because of the trust of banks, if the bank does not produce important parts of the contract, it can embody the high risk non guaranteed capital terms and chapters.