2016-09-29 15:36
Vigilance illegal P2P trick: commitment to high income zero risk
[report] net Beijing on September 29th news (Hangzhou daily) "financial products also do?" "Buy health care products would like to retreat, businesses do not agree, how to do?" This year's old Expo, as the participating units, Hangzhou Consumer Protection Committee to answer questions from the public in many consumer. According to the relevant staff, the elderly consumers reflect the problem is mainly concentrated in the purchase of health care products, P2P financial products, etc..
During the exhibition, the Hangzhou Consumer Protection Committee on financial literacy, enhance the awareness of rights "theme, take exhibitions, on-site publicity materials, and financial consumer interactive form, to the public details of the eighteen financial consumer warning case, and to the public in general knowledge and how to prevent illegal financial activities, the protection of personal financial information etc., and public interest loans, financial risk and various financial products such as hot financial problems to accept the public consultation, generally welcomed by the presence of the public. According to statistics, a total of more than a thousand people participated in the activities.
The elderly easy to enter the "health care products" consumer trap
The elderly are a special consumer group, their awareness is weak, the ability is low. Some unscrupulous businesses may be fooled, deception, etc., against their legitimate rights and interests. In the old fair, some elderly people also to the Hangzhou Consumer Protection Committee to reflect their own problems in consumer health care products.
One day in August, 65 year old Wang received a phone call, the other said the opportunity to provide free travel, Wang uncle very heart on the promise. Wait until the tourist destination, there are businesses to sell the king uncle health products, claiming that the health care products have a good effect on many diseases. Uncle Wang in the absence of a clear understanding of the situation on the purchase of 13 thousand yuan of health products. However, Uncle Wang eat this health care products, not only can not play any health effects, but caused a serious allergic phenomenon. Wang uncle asked businesses to refund, but was rejected by the other side.
Hangzhou consumer protection committee secretary general reminded the elderly to believe illegal businesses, easy to be taken in the consumer process, the most typical is to buy health care products. Therefore, the elderly in the purchase of health care products, we must be vigilant, should choose the regular channels to buy.
P2P financial products need to be cautious to save the risk of purchase
Today, people's growing financial needs, and with the development of Internet technology, more and more related financial products. Some criminals will use the convenience of the Internet, illegal fund-raising, Internet fraud, so many consumers lose everything or even impossible to guard against.
To this end, in the event, the Hangzhou Consumer Protection Committee focused on the public to promote financial consumer knowledge, case analysis and reminders. One of the cases of financial P2P has been widely concerned by the public -
Mr. Huang in a financial fair, to see the "wealth" P2P financial platform for investment promotion. Huang learned that a wealth of investment banking platform is a professional network of loans, investment banking network platform. The platform also committed to invest in annual yield of up to 22.4%. In the face of zero risk, high return investment projects, Mr. Huang heart. He has paid about 4 million 200 thousand yuan, the purchase of 3 copies of the investment financial products. However, less than half a year, Mr. Huang found that the company to delay cash withdrawals, limit the daily cash amount and other reasons to delay the payment of principal and interest, investment losses of up to 3 million 200 thousand yuan.
Secretary General of Hangzhou Consumer Protection Committee to remind consumers, before starting P2P products, the first to understand the risk of revenue platform, as far as possible to select the strength of financial strength, a good reputation of the P2P company or platform.
Secondly, consumers should fully understand the P2P product itself, "high return, high income financial products propaganda, to keep a clear head, it is recommended to select a reasonable interest rate of financial products, because of the high income is often accompanied by high risk. In addition, some P2P financial products only publicity annual yield but does not promise guaranteed, it is recommended that consumers understand the risk and then make a decision.
Third, when some P2P platform promised to invest in the first year will be able to give high interest, to be vigilant, some of the platform is likely to use "return" to deceive consumers, in order to achieve the purpose of defrauding the principal.
It is worth noting that the urgent need of money, don't put too much pension money invested in financial products, try to choose the safest investment products, investment products can be diversified.
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