Financial Products 1 Yuan From Group Buying As A Gimmick

< p > yesterday, the reporter experienced a so-called 1 yuan cross bank purchase of bank financial products.

After the registration, a Jinzhou bank's expected annual yield of 6.5% was selected and purchased.

After the success of the purchase, the website sent a "successful return receipt" showing the name, income, duration and other information of the specific financial products, as well as the amount of purchase and membership numbers.

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< p > it is noteworthy that the reporter noted that the above 6.5% proceeds of financial products interest day is August 20th, which means that the 100 yuan is only a successful group, whether the success of the purchase is unknown.

So, where is the 100 yuan? According to a customer service of Mr. Qian, the website's mode is that customers are entrusted to buy bank financial products, whether the purchase is successful or not, but it can guarantee that 100% of the purchase is bank financial products.

After the client entrustment, the funds are pferred to the third party platform and subject to their supervision. If the trustee fails to purchase, the refund will be made on that day; the successful receipt will have a legal effect.

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< p > despite the opening of Mr. Qian's website, he is eyeful of bank financial products and major banks logo, but Mr. Qian is not a marketing agent for bank financial products.

Recently, Bank of Bohai, Agricultural Bank of China, Bank of China, Beijing bank and Guangdong Development Bank have clarified that they have never authorized the "money" website and its related agencies to sell financial products, nor have they carried out any form of financial products business cooperation with the website. The "financial products" purchased by customers from the website are not the financial products sold by the bank.

Mr. Qian also wrote on his official website that Mr. Qian is not a channel for the sale of financial products, but rather a user's commission to buy bank financial products.

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< p > "in fact, Mr. Qian is actually the two dealer of bank financial products."

A bank personage said that the threshold of financial products remained high, and the city commercial banks whose incomes were relatively high in many cities had no outlets and customers could not afford to buy them. Only when they could not afford to buy them, they could concentrate on the whole country's high-yield financial products through online search. It was known as 1 yuan. Group buying is precisely to seize the investment threshold of bank financial products and become more and more high, and can not afford to buy two soft spots in different places.

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< p > < strong > risk 1: < /strong > < /p >

< p > < strong > can not monitor the flow of funds < /strong > /p >

< p > < < a href= > http:// > www.sjfzxm.com/news/index_c.asp > > fund > /a > security. On the website of Mr. Qian, customer financing is first paid by banks and stored in the third party payment platform, which is supervised by banks. After successful purchase, financial management will automatically enter the banking system to become a financial product.

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< p > if the purchase is not successful, or if the financial products expire, the customer's financial management will be directly returned to the customer's bank card at the first time by the third party payment platform. The customers' funds will be closely monitored and protected by the third party payment platform and the banking system during the whole purchase process. If there is any financial loss in the payment process, the one hundred percent commitment will be made.

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< p > in fact, banks or third party trusteeship accounts can not effectively supervise the flow of funds.

Insiders say that the third party trusteeship of banks has no supervisory function.

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< p > this means that investors will not be able to know whether funds will be diverted or diverted.

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< p > < strong > risk two: < /strong > < /p >.

< p > < strong > entrustment < a href= "http:// www.sjfzxm.com/news/index_c.asp" > purchasing agent < /a > suspected violation < /strong > /p >

< p > bank financial products are financial products, not ordinary commodities, whether they can purchase themselves in doubt.

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< p > Guo Tianyong, director of the China banking research center of Central University of Finance and Economics, told reporters that the behavior of group buying and purchasing bank financial products is irregularities.

First, according to the regulations of the CBRC, customers purchase financial products for the first time and need to do risk assessment at the bank counter.

The purchasing platform has no risk assessment, which has violated the risk matching principle of bank financial products sales.

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< p > secondly, investors and banks sign the agreement on purchasing financial products, which is "purchasing agency". There is no investment and financial relationship between investors and banks. If there are problems in financial products, it is difficult for investors to safeguard their rights.

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< p > a bank financial manager said that if the purchasing agency took the entrusted capital to invest in other investments, but if the payment could be paid to the principal and interest of the client, then there might be POND'S fraud.

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< p > < strong > risk three: < /strong > < /p >.

< p > < strong > < a > href= > http:// > www.sjfzxm.com/news/index_c.asp > supervision < /a > there is moral hazard < /strong > /p > in blank.

"P", "Mr. Qian" got the qualification of financial information service at the end of March, but this does not mean that it has the qualification to sell financial products.

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< p > "sales qualification of financial products needs approval from the relevant financial regulatory authorities, but there is no such information on Mr. Qian's website, which means that the website has not been included in the financial supervision system, and investors are faced with enormous potential moral hazard."

An industry insider said investors' rights and interests would be difficult to secure if there was a website running with money, closing down or investing losses.

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< p > there are analysts who say that Internet finance is not clear about the risks and responsibilities of supervision. Many Internet financial institutions are in the chaotic stage of unclear regulatory bodies or regulatory rules.

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< p > financial analyst Yin Yanmin said that Internet finance has been developing rapidly in the past year. The combination of Internet and finance has sprung up new models and products. The regulatory aspect needs to be further refined and standardized, and the responsibilities and responsibilities of various regulatory units should be defined, so as to facilitate the smooth development of supervision work.

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