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Group Buying Financial Products &Nbsp; Sugar Coating May Be Wrapped Up In "Risk"

2011/3/30 11:03:00 53

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Group buying is popular now, I am afraid, "only you can't think of it, without you."

From last year, this fashion is fashionable.

Shopping trend

It also shrank the money market. Funds, trusts and other financial products have played group buying cards, attracting investors with big concessions and large discounts.

Although group buying is also a good way of managing money, it can really save a lot of money in the process of consumption, but it attracts many eyeballs as well as a lot of doubts.

Group buying fund

Fund group purchase has been popular a few years ago. At that time, the fund's money making effect was popular among many investors, and the higher purchase cost also gave birth to the group buying fund.

In Daniel market in 2007,

Fund group purchase

Once popular, in 2006, the media and securities companies co organized the "fund group buying" activities, setting a record of selling 20 million fund products for two days.

At that time, there were financial websites to fund group buying by way of cooperation with fund companies. Later, because of their smaller size, they lost track of the stock market.

"Fund group buying network", "

Fund trading network

This is the typical example.

Now, the third party financial website has once again launched the banner of group buying, and even some people predict that under the current good fund sales, the fund group purchase may again come back.

There are many advantages of group buying fund, but the risk can not be avoided.

For example, some group buying intermediaries and other related financial websites do not all have the qualifications of fund consignment, their professionalism and information reliability are hard to guarantee, and the security of funds is also difficult to guarantee.

Group buying trust products

Many financial website launched financial products group buying activities, all because of reducing investment threshold and attracting many investors, for example, buying a trust product which needs millions of Yuan alone, in some websites buying group buying activities, only invest hundreds of thousands of yuan can buy.

In November last year, the group buying activity of a financial product launched by the Yuan Yuan fortune network was like this.

The group buying activities of the 1 yuan fund collection trust scheme, which claims that the QFII can buy 300 thousand yuan, is the way to pool money.

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Related reports showed that in the half month, ten investors responded to the group buying activity and raised 15 million yuan.

It is reported that this trust product is purchased from 300 thousand yuan to 500 thousand yuan, and the annual yield is expected to be 6%, 500 thousand and above is 6.5%.

There are also individual investors who buy "trust" products in a way of "pooling".

In the way of "pooling investment", although each person makes a share of money, the investor registration can only be a person. If there is an accident or a legal dispute, the interests of other investors will be difficult to protect.

Group buying bank financial products

The rate discount of group buying is a major selling point. Everbright Bank has issued the sunshine finance A plan in 2011, the second phase of the product in 2011. This product has increased the group buying plan of the "financial group" for one year.

Everbright Bank said that as long as a new customer with a new customer together, "group buying" financial products, that is, ordinary customers can enjoy the purchase amount, enjoy high-end customers' product revenue, starting point of $8000, the yield of 4.3%, that is, a low starting point of 8000 dollars, to enjoy high-end customers product returns.

Prior to the sale of the old customers, the starting point was 100 thousand yuan, while the starting point of sharing sales was 50 thousand yuan after introducing new customers through old customers.

This kind of preferential policy has attracted many customers. By way of group buying, the customers with small amount of money can get the favorable rate of return and threshold.

According to customer service introduction of Everbright Bank, old customers are unable to purchase the product separately. New customers can buy the product directly. This group buying activity is essentially introducing new customers through old customers and expanding customer base.