Guo Shuqing made it clear at the Lujiazui Financial Forum on 20 18: In the process of cracking down on illegal fund-raising, efforts should be made to make people realize that high returns mean high risks through various means. If the rate of return exceeds 6%, it is necessary to put a question mark; More than 8% is dangerous; If it exceeds 10%, it is ready to lose all the principal. The yield of various P2P products you bought on various informal platforms has already exceeded 10%. Can this be considered financial management? This is speculation, so there is the possibility of a total loss of principal, and you should have made this preparation long ago.
Moreover, there are not two situations in which the platform thunderbolt runs. There are at least several thousand cases in the whole country, and there are at least dozens of cases with great influence. I can't believe you haven't heard of it. After hearing and reading relevant cases, you are still obsessed with investing in so-called high-yield financial management. Who can blame?
How? Investors in online lending platforms often involve all parts of the country, so it is difficult to set up creditor's rights committees, and it is even more difficult to jointly handle cases. Moreover, most of the funds invested have also been squandered by the platform, so very little can be recovered in the end. Even if it is recovered, it is only a small part of the funds, and there is no need to expect too much, otherwise the greater the expectation, the greater the corresponding disappointment.
First, collect and sort out all relevant receipts, transfer records, contracts and related chat records for purchasing this product, and then contact relevant service personnel to take screenshots and collect evidence as much as possible. Then report it. Investment is risky, so be careful. For friends who lack investment experience, it is recommended to go to the bank to buy low-grade wealth management products directly sold by the bank, and not to buy funds and other products. You can't operate, you don't understand analysis, and even the best products are easy to cause losses!
As a professional investor, I never recommend my relatives and friends to make high-yield investments. Safety is always the most important! Why do I recommend them to make safe and low-yield investments when I can help them make more money? Because in the face of breaking the interests of cognition, the greed of human nature will be greatly amplified. How many people who were originally conservative, because of contact with P2P, began to be obsessed with high returns, and even made products such as blockchain and digital currency that they didn't know at all or even what they were. For most ordinary people! Safety and stability are the most important! If you want to make money, do your job first! If you want to get rich, the best investment is to invest in yourself! ! ! !
Because in China, the investment environment is too bad, and all kinds of scams that are naive in my eyes are really traps that many people can't distinguish! Therefore, although banks are stingy, their financial management is still the best investment product for the public. High-return products always belong to a few investors with professional knowledge!
If you want to have higher income, the first condition is to improve yourself! ! !
Investment is risky, so be cautious about online financial management. Online financial management is not worried about how much income can be, but how high the principal risk is. In recent years, many scammers have cleverly deceived the law and induced investors to invest in certain websites or download an APP through various means. Finally, once the principal is deposited, it is difficult to make money, and it is even more difficult to get the principal back.
When investing, you need to know whether the product income introduced by the other party is too exaggerated, whether the platform introduced by the other party is legal, whether it has relevant qualifications, whether there is a contact number or whether there are negative reports on the Internet. These are all to avoid falling into the trap of being cheated, because once you are cheated, it takes time to call the police to find a liar, and there is also the possibility that it is difficult to find a liar because of online investment. Only investors themselves should take precautions to prevent being cheated.
What are the deception methods at present, and how to deal with being cheated? 1, illegal platform recommended by telemarketing. Investors will receive all kinds of telephone sales to recommend some financial platforms, or free experience in the early stage, and then when investors slowly choose the trust, they will begin to induce investors to invest money to obtain income. Finally, it is difficult to get the money back after it is deposited. If you are cheated in this way, you must collect chat records and keep money orders, including all kinds of information when contacting each other.
How to prevent it: most of these telemarketing financial platforms recommend charging membership fees. If you insist on recommending illegal platforms, investors had better refuse to answer the phone and experience.
2, the network "beauty" induces financial management. Investors will be added by online "beauty", and then after some misunderstanding, the other party will start to be caring and attentive. This scam first appeared on tea girls and goddaughters, mainly to induce consumers to buy tea, but some illegal platforms will let investors pretend to be "beautiful women" and join some groups in this way, and finally let investors gain trust under various inducements in the group and invest their money in fake financial platforms.
How to prevent it: this marketing method is to seize men's lust. In fact, these "beauties" are put out by some young people in the company. In order to defraud customers of cooperation fees and principal, as long as they don't add blame casually, they are attentive "beauty".
3. The "expert" scam in the live broadcast room. Don't trust the so-called "master" in the live broadcast room, whether you receive the information in the live broadcast room through SMS or recommend the live broadcast room after joining a group. The so-called "masters" in these live broadcast rooms are all saying that they are hanging pots to save the world and helping people when they see that all beings are losing money. Behind them is a wolf in sheep's clothing. After all kinds of inducements gained trust in the early stage, once the money was invested in an APP, it was difficult to take it out in the end, and even the principal was cheated.
How to prevent it: Let them sing, you don't have to be too tempted, there is no free lunch in the world, they just want to defraud your principal. If you are deceived in this kind of incident, you should intercept the online customer service and your chat records and remittance records, and it is best to report the case with other deceived people to increase the exposure of the incident.
In short, you should pay more attention to online financial management, and don't blindly invest when you see super-high returns. As long as you say that the income doubles, more than 10% of wealth management products are risky. Moreover, investors should be careful when sending money to some platforms. Once the funds enter, it is difficult to get out of the illegal platform, especially the investment projects explicitly prohibited in China, and it is even more difficult to touch them. Even if there seems to be no risk in the short term, there is no guarantee that nothing will happen in the future. Although you want to earn interest, most illegal platforms have to earn your principal.
If you are cheated, call the police quickly, and then collect all the evidence that can be collected at present, including transfer records and telephone records, and collect as much evidence as possible in order to better safeguard your rights and interests!
I also suggest that you should never trust online financial management easily in the future. We must go through formal channels and not be tempted by high interest rates. It is suggested that you can use Yu 'ebao or WeChat to manage money, or you can try the bank's characteristic wealth management products. At least the safety margin of these products is relatively high.
I hope my answer is helpful to you! thank you
This situation should be a thunderstorm. At this time, we should call the police. This situation often happens in previous lending platforms. There is still a small platform. Because of the epidemic, there are still many small platforms lending after the crackdown. This year, because of the epidemic, there are fewer people saving money, and their income is not enough to spend, so they can only thunder, and there are many.
There are three relatives around me who have just experienced a thunderstorm and saved hundreds of thousands. Long before the thunderstorm, I told them not to covet profits, but they just wouldn't listen. Most of them are elderly people and lack financial knowledge.
The most basic routine of this kind of lending company is high interest rate, regular return to capital and regular business trips every week. At first, it was saved by one person, and later it was introduced by others. Because of some interests, the first depositor must have made money through this.
This routine is too common, especially before the crackdown, a wealth management product, as long as it mentions the return of principal, is basically tricky. The shorter the time, the more suspicious it is.
Our relatives later reported to the police, and the result of the investigation was illegal fund-raising, but the boss had already taken the money to run away, and it was useless for the debtors to defend their rights. This is not the same as the big platform for illegal fund-raising.
Even if it is recognized as illegal fund-raising, the amount you can get is only 20%, which is what a friend told me, so these principal losses are certain.
So now that the economy is going down, all industries are facing a major reshuffle. At this time, all the people who promised to give you high interest rates basically went for your principal. You can calculate how many favors your principal can buy and how many trips you can take.
In this case, the landlord can only call the police and let the official make a judgment, but the probability of getting back the principal in full simply does not exist.
abstract
In fact, there are new routines every year, but in the final analysis, it is because of greed. If people can't overcome their desires, they will pay the price. The principal of 50 thousand yuan is also a huge sum for ordinary families, but things have happened and can only be solved. But we must remember that high interest rates are risky.
In 20 17, I saved two p2p financial services, which added up to tens of thousands of dollars, almost all my savings at that time. In 20 18, p2p was completely thunderous, and I lost all my money. During the Chinese New Year in 2020, the savings of more than 30,000 yuan in these two years were cheated to arbitrage. In addition, due to the epidemic, the rent of the rented counter expired, and the backlog of goods was useless. In addition, the transfer fee of the counter lost another 30,000 to 40,000 yuan, which means that during the epidemic, I lost more than 70,000 yuan and people were unemployed. Now the epidemic is far away, and I don't know where I went. .
In daily life, there are more money cheated by some platforms to buy so-called guaranteed capital and high-interest wealth management, some in the form of so-called insurance, and some in the form of private equity funds. There are two main ways: civil litigation and criminal means.
First, the advantages and disadvantages of civil litigation.
This method is suitable for platforms or companies without mine explosion, and there is no large-scale payment difficulty. You can check the company's litigation situation through Tianyan or the judicial document judgment network. If there is a large-scale lawsuit or it cannot be executed, it is difficult for civil means to achieve a permanent effect. Of course, this query method has its lag, and it takes some time from trial to file online. Moreover, fraudsters are becoming more and more sophisticated, and many disputes are settled by arbitration committees. One of the characteristics of the arbitration commission is its strong confidentiality, and the arbitral award will not be made public. Therefore, if this platform or company's dispute resolution is an arbitration commission, then this company or platform will look very clean even if there are many lawsuits. Let's relax our vigilance against it and leave it a breathing space to transfer or squander property.
Second, the advantages and disadvantages of criminal means
Criminal filing is a big problem, because the company's platform will sign a civil contract with us and pay interest as agreed in the early stage. When the capital chain breaks, it will run away. Because with the help of civil cloak, if certain conditions are not met, the public security organ will not file a case on the grounds that the public security organ cannot intervene in civil disputes when handling cases. Also, after the case is filed, criminal restitution may not be enough to completely cover the cheated money because of the wide scope of anti-vice and the large number of victims. However, it is a powerful means to investigate the flow of funds and combat crime through criminal activities.
Three. suggestion
Guo Shuqing said at Lujiazui Forum 20 18 that if the yield of wealth management products exceeds 6%, it will be questioned; More than 8% is dangerous; If it exceeds 10%, it is ready to lose all the principal. So, do a good job of investigation and take care of your hard-earned money.
Online financial management has saved 50 thousand, so I can't get it out. What should I do?
What kind of financial management did you buy? Don't make it clear. Why can't you take it out? Is it ray who ran away? Or is the product postponed?
Anyway, what is the nature of the wealth management product you bought first? Is the platform for purchasing wealth management products legal and compliant?
You can't get your money out. Is it an investment loss? Still being cheated, this should also be clarified.
Under normal circumstances, the wealth management products you buy must be registered in China Wealth Management Network, and you can find them through the wealth management number, so next, you should further confirm whether the wealth management products you buy are "flying orders".
If you can't find this wealth management product on the wealth management website, it means that the wealth management product you bought is a "flying order". Go to the public security organ to report the case. If you can find this product, it means it is a real wealth management product. Then go and see if it has expired. Generally, it can be redeemed three to five days after maturity. If the redemption period has passed, the principal and interest have not yet arrived. Then you can see if the product's status is overdue and see if there is any announcement, notice of delayed payment for this product.
After the new financial regulations, financial products broke the rigid redemption. In other words, the wealth management products you buy do not guarantee the principal and interest, and you are at your own risk. Therefore, after confirming that it is not a "plane ticket", if it is really lost, it can only admit that it is unlucky.
Of course, there is another situation, that is, you encounter an illegal financial platform, and the platform disappears overnight. At this time, we can only go to the police, but the possibility of recovering the loss is very small. We can only learn from experience and lessons. When managing money in the future, you should choose formal financial channels and don't buy blindly at will.
Well, I hope it helps you.
Income is not equal to risk. In order to collect 5 yuan more, you can't get back 90% of the principal of 100 yuan. You said that the cost performance is high ... There is no other way but to report the case to the public security organ with evidence.
At present, most Internet wealth management products are formal and standardized. In recent years, it is rare to hear the news that online wealth management products cannot be taken out or even the platform runs away after expiration. Therefore, if you really encounter yourself handling related wealth management products on the online wealth management platform, but you can't redeem them in time after the expiration, the most effective way is to call the police in time. Once the public security organs enter through investigation, the relevant platforms will also be severely punished.
There is also a reminder here, whether you buy bank wealth management products or buy wealth management products on the Internet wealth management platform, it is best to keep one hand before buying wealth management products. A very practical financial management official website in China, where you can find all the financial products that have been put on record for public sale and all the information, including its annualized rate of return and its platform for sale. Select the wealth management product you want to buy and check his manual. There is a 14-digit code beginning with the capital letter C. After copying and pasting this code, go to China Wealth Management official website to check it. If you can find it, it is a formal wealth management product. Otherwise, you should buy carefully.
Finally, it is to remind investors and friends that they must pay attention to their own financial management concepts and corresponding security risk prevention measures. Many people are lazy and don't like to go to offline physical banks to handle the corresponding wealth management business. We can do it through mobile banking. Even if you choose the Internet financial platform, you should also choose Alipay financial management, including Jingdong Finance. The security of these Internet financial platforms has certain reliable guarantee.