Huatai Securities Tongda Letter Edition

Huatai SecuritiesTongda Xin version supports the entrusted authentication method of "transaction password + communication password + additional code". For the communication password used by the original Huatai United Replacement Sales Department customers for the first time, please call 95597 or open an account to obtain the communication password. When using it for the first time, please change the communication password. Create a password that is different from the transaction password. The rules for communication passwords are: a combination of 6 or more numbers or letters. Investment skills

How to identify third-party financial management traps?

Nowadays, many financial management traps are implemented under the clear meaning of financial management recommendation meetings. Friends who plan to invest must keep their eyes open in advance to identify the traps.

Trap 1: Products with high returns and quick profits

Almost all third-party financial management companies will advertise their financial products as "high yield and quick profit."

An industry insider broke the news that among the cost expenditures of these third-party financial management companies, they first need to pay a commission of 3% to 4% to the grassroots sales staff; in addition, they must also pay 1% of the management benefits of the sales staff of the upper-level organization; office, The minimum cost of operational support also requires 6%.

If it wants to realize an annual investment return rate of 12%, the company's annual investment return on this product alone must be higher than 22% to have the possibility of normal operation. Looking at the investment market, it is not easy to find projects with annual returns higher than 22%. The risks are self-evident.

Therefore, when choosing, investors should not be dazzled by high returns and buy rashly based on a promotional leaflet or one-sided words.

Trap 2: We have cooperative relationships with major financial institutions

In order to attract investors, some third-party financial management companies spend heavily to poach sales staff from banks, funds or insurance companies. After they resigned, they used the customer relationships in their hands to continue to attract customers and hold industry talks in the name of banking and insurance. And on the website or promotional materials, these financial institutions are listed as cooperative units, taking the opportunity to promote their products.

This practice is undoubtedly an infringement and illegal act. Investors must go to relevant banks, insurance and other financial institutions for verification through official channels, and do not be misled by the halo of "cooperating units". Once a risk occurs, these "cooperating units" will not be legally responsible for any compensation or payment.

Trap 3: Don’t be fooled by the appearance of a tall workplace

As the ancients said, people rely on their clothes, and third-party financial management companies obviously understand this well, and they all set their workplaces in downtown areas where land is at a premium.

Don’t be fooled by the appearance of a high-end workplace. In the context that the regulatory system for third-party financial management is not yet complete, investors must learn to distinguish carefully and carefully verify the qualifications of the company.

Analysts from the online financial search platform Rong360 reminded that when investing in P2P at this stage, you must pay attention to the quality of the platform to ensure the safety of your principal and income.

At present, investors who have encountered P2P running away or losing contact are basically in a scattered state in terms of rights protection. A small number of investors will use some social tools to communicate and protect their rights.

Due to the lack of corresponding regulatory authorities and regulations, most investors are slightly confused about how to protect their rights. Although the number of investors participating in rights protection continues to increase, it is currently difficult to organize and establish a rights protection team of a certain scale, and many rights protection plans are still open to discussion.

Investors have not yet reached a consensus on the time and related expenses that may be spent in the face of sudden escape incidents and rights protection. Since P2P online loan investors are very dispersed and unfamiliar with each other, it is a big problem in itself to organize and collectively protect their rights according to a common plan. In addition, the large number of dispersed investors also adds a lot of workload to the police investigation.