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Guard Against Financial Traps Of Four Major Banks

2011/3/21 15:21:00 33

Not long ago, nearly 50 thousand Internet banking users received a short message asking for a phishing website to upgrade. Many users had stolen a lot of cash because they had misplaced the phishing website.

One has the bank.

Internet Banking

The account accounts have been stolen 90 times in a row. The phenomenon of Internet banking theft has occurred. At present, most banks have joined the new security protection function, but the most important thing is to guard against theft of personal information, including card numbers, account numbers, passwords, dynamic password codes, etc.

Trap two earnings boast Haikou

Financial products "exaggerate earnings" and "avoid risks".

Marketing

Most of the methods have occurred, and the regulatory layer is also constantly introducing the system to prevent misleading, or to remind investors to raise risk awareness.

At present, in addition to the purchase of new shares, the CBRC has halted other banking related shares.

Conduct financial pactions

Products.

It should be reminded that investors should not simply choose products to purchase according to the level of earnings. They must see if the products are high risk.

Trap three forced liquidation

Last year, international gold prices soared and investors were enthusiastic.

The banks sniffed this new profit opportunity and launched gold T+D business to earn more profits for their intermediary business.

However, in August 31st of last year, because of the sharp fluctuations in the price of the gold extended varieties of the Shanghai Stock Exchange, from the opening 271.90 yuan to 289.32 yuan, a bank paction system was automatically closed for the customers with insufficient margin.

This incident has caused many investors to suffer heavy losses.

Trap four illegal sales

Recently, a foreign bank "Li CAITONG 1" has been exposed to a huge loss of 60%, its sales staff to deceive investors, commitment to capital preservation and high yield.

The salesperson also tampered with the risk assessment report of the investors, and the risk bearing ability was changed from intermediate to advanced.

The advertising content of the product is closely following the "Hong Kong stock through train". In fact, the "Hong Kong stock through train" has not been approved at all.

At the same time, advertising has not disclosed the risk of principal loss in the product.