2012年02月07日
promotion financial products
The illegal promotion financial products induced loss
Recently in the Bank of communications Nanjing immortal forest branch business hall, one of more than 50 years old couple take a number, wait queue and deposit 1 yuan, and then take number, purpose is to hold the hands of brand, seeking ever purchased" Yangtze convertible" depositors.
Mrs Huang Qiang told reporters, in March last year in the Nanjing immortal forest branch of their purchase of a benefit" greater than or equal to 6%" financial product now has been a loss of more than 3%. And at the time of purchase, customer manager for 6% gains confidence.
Phoenix variable sparrow?
Huang Qiang said, the last two or three months, the Nanjing immortal forest branch of the hall of the small blackboard to promote a" river of convertible bonds is greater than or equal to 6% per annum" financial products, the branch of the financial manager Han Shuo said, if the investment of millions of, this product for at least a year can earn 60000.
" We had repeatedly stressed that wants to buy a guaranteed profit financial products, because products purchased 1060000 capital is our plan to buy a house in Nanjing, the son of money, safety is the most important." Huang Qiang said, Han Shuo's the promise that they dispel misgivings, to buy the product.
1 months later, Huang Qiang found the purchase of financial products is not" guaranteed profit", have been part of a loss. To this, Han Shuo asked Huang Qiang to remit money 530 yuan, and insisted," if it be a full year will have 60000 yuan of money".
Huang Qiang asked Han Shuo in the financial products surplus, immediately give notice and redemption. But until December last year, the old couple have not received notification. The Ming, Huang Qiang finds out that Han Shuo has been transferred from the immortal forest branch.
The reporter a telephone interview with Han Shuo, he said," at present, I personally inconvenient interview, Nanjing Center branch unified answer."
Bank of communications Jiangsu branch office personage expresses to the reporter, Huang Qiang first, in understanding and purchase products are half a month, have a full understanding of the product risk and signed the relevant documents; second, Huang Qiang passed the bank's risk tolerance test; third, 6% is the expected return, this is generally straightforward matter, is not the existence of illegal promotion.
For the 530 yuan remittances, Bank of Communications said in response, this is Han Shuo refund fee. Because Huang Qiang in the purchase of products, said he was not informed of fees to be charged, and in fact, customer manager has revealed the full fee problem in the contract, and also have clauses. The last Han Shuo under Huang Qiang 's entanglement, fear effect is not good, returned to this part of the business section.
Promotion of financial products of chaos
Understand according to the reporter, Huang Qiang investment products as the" Yangtze River beyond the financing of convertible bonds ( 890011)", its scale is 1810000000, with a fixed duration, the lowest in the amount of 50000 yuan. As of February 6, 2012, the net value of 0.965 yuan.
According to its product specifications, the collection plan investment types to define type, bond, investment scope is the SFC permits a set plan investment financial products, including the rights and interests of financial products, fixed-income financial products, cash and cash equivalents.
" The product from February 14, 2011 to Changjiang Securities and Bank of the designated outlets customer acquisition, customer manager to successfully promote products can be obtained after the fee percentage." A share row financial manager told reporters," as defined bond brokerage financial risk is relatively small, but it is not guaranteed profit products, financial manager to introduce more products, often holding fluky psychology, ignore the risk of common phenomenon."
Reportedly, 2011 brokerage collection management continues to develop quickly, as when the end of the year, a total of 109 products to promote the issue, 112 product is established. But by the market dragged down, a collection of financial management products generally shrinking net. 126 set up a full year of non restrictive set of financial management products average rate of return - 19.83%; 27 bond limited product average yield of - 4.58%.
" Sometimes, the brokerage in cooperation with the bank, the bond investment set product risk, often reveal enough, the bank customer manager to have a robust, affording impression." The manager says, last year in September, a city firm with securities issued a bond collection of financial products, after the third quarter of the bond market is gloomy, product loss, affected the relationship between the bank and the customer, the city was to broker a revolt.
"In the near future, China Everbright Bank Taiyuan branch Binhe issued a high-end financial products, to promote the 500 Wan Yuannian expected return of 53%, may be regarded as such an extreme confusion referral status." The financial manager known.
It is reported, the high-end product of conduct financial transactions are CITIC Trust Issue mineral PE products, product raising income funds invest primarily in coal enterprises is primitive, and supports its listing. To or have listed can get high income to promote products, once market caused controversy.
Recently in the Bank of communications Nanjing immortal forest branch business hall, one of more than 50 years old couple take a number, wait queue and deposit 1 yuan, and then take number, purpose is to hold the hands of brand, seeking ever purchased" Yangtze convertible" depositors.
Mrs Huang Qiang told reporters, in March last year in the Nanjing immortal forest branch of their purchase of a benefit" greater than or equal to 6%" financial product now has been a loss of more than 3%. And at the time of purchase, customer manager for 6% gains confidence.
Phoenix variable sparrow?
Huang Qiang said, the last two or three months, the Nanjing immortal forest branch of the hall of the small blackboard to promote a" river of convertible bonds is greater than or equal to 6% per annum" financial products, the branch of the financial manager Han Shuo said, if the investment of millions of, this product for at least a year can earn 60000.
" We had repeatedly stressed that wants to buy a guaranteed profit financial products, because products purchased 1060000 capital is our plan to buy a house in Nanjing, the son of money, safety is the most important." Huang Qiang said, Han Shuo's the promise that they dispel misgivings, to buy the product.
1 months later, Huang Qiang found the purchase of financial products is not" guaranteed profit", have been part of a loss. To this, Han Shuo asked Huang Qiang to remit money 530 yuan, and insisted," if it be a full year will have 60000 yuan of money".
Huang Qiang asked Han Shuo in the financial products surplus, immediately give notice and redemption. But until December last year, the old couple have not received notification. The Ming, Huang Qiang finds out that Han Shuo has been transferred from the immortal forest branch.
The reporter a telephone interview with Han Shuo, he said," at present, I personally inconvenient interview, Nanjing Center branch unified answer."
Bank of communications Jiangsu branch office personage expresses to the reporter, Huang Qiang first, in understanding and purchase products are half a month, have a full understanding of the product risk and signed the relevant documents; second, Huang Qiang passed the bank's risk tolerance test; third, 6% is the expected return, this is generally straightforward matter, is not the existence of illegal promotion.
For the 530 yuan remittances, Bank of Communications said in response, this is Han Shuo refund fee. Because Huang Qiang in the purchase of products, said he was not informed of fees to be charged, and in fact, customer manager has revealed the full fee problem in the contract, and also have clauses. The last Han Shuo under Huang Qiang 's entanglement, fear effect is not good, returned to this part of the business section.
Promotion of financial products of chaos
Understand according to the reporter, Huang Qiang investment products as the" Yangtze River beyond the financing of convertible bonds ( 890011)", its scale is 1810000000, with a fixed duration, the lowest in the amount of 50000 yuan. As of February 6, 2012, the net value of 0.965 yuan.
According to its product specifications, the collection plan investment types to define type, bond, investment scope is the SFC permits a set plan investment financial products, including the rights and interests of financial products, fixed-income financial products, cash and cash equivalents.
" The product from February 14, 2011 to Changjiang Securities and Bank of the designated outlets customer acquisition, customer manager to successfully promote products can be obtained after the fee percentage." A share row financial manager told reporters," as defined bond brokerage financial risk is relatively small, but it is not guaranteed profit products, financial manager to introduce more products, often holding fluky psychology, ignore the risk of common phenomenon."
Reportedly, 2011 brokerage collection management continues to develop quickly, as when the end of the year, a total of 109 products to promote the issue, 112 product is established. But by the market dragged down, a collection of financial management products generally shrinking net. 126 set up a full year of non restrictive set of financial management products average rate of return - 19.83%; 27 bond limited product average yield of - 4.58%.
" Sometimes, the brokerage in cooperation with the bank, the bond investment set product risk, often reveal enough, the bank customer manager to have a robust, affording impression." The manager says, last year in September, a city firm with securities issued a bond collection of financial products, after the third quarter of the bond market is gloomy, product loss, affected the relationship between the bank and the customer, the city was to broker a revolt.
"In the near future, China Everbright Bank Taiyuan branch Binhe issued a high-end financial products, to promote the 500 Wan Yuannian expected return of 53%, may be regarded as such an extreme confusion referral status." The financial manager known.
It is reported, the high-end product of conduct financial transactions are CITIC Trust Issue mineral PE products, product raising income funds invest primarily in coal enterprises is primitive, and supports its listing. To or have listed can get high income to promote products, once market caused controversy.
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