Buy Financial Products &Nbsp; Don'T Be Fooled By "Earning Nothing".

According to the data of Zhong Deng company, up to 21 funds are sold at the same time, and commercial banks issued 1287 products in January this year, an increase of 772 compared with January last year.

In addition, as international gold and silver prices soar, domestic

In large quantities

At present, the willingness of residents to invest in financial management is still increasing.

Data show that in the first week of March, the number of new fund accounts increased again, reaching 109 thousand and 962, the highest since December.

Experts believe that for ordinary investors, we should take a normal mind to look at the profit and loss of financial products.

Like the stock market, bank financing products,

In fact, it is not just a loss but an opaque financial product that investors can hardly accept.

From the aspects of product design, sales promotion, capital operation management and so on, there are different factors of opacity.

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Investors who have bought financial products have been confused by the very small number of instructions.

A large number of professional terms and formulas in the instructions are not necessarily understood even if they are patient.

Different products, the contents of the instructions are different.

As far as bank financing products are concerned, there are guaranteed capital, fixed income, guaranteed capital floating income, non guaranteed floating income and so on. Each type has different regulations, each product has different investment targets, and there are different provisions for each distribution bank.

It is the seller's obligation to explain clearly these contents.

However, when the salesperson publicize products to investors under the pressure of assessment indicators, they often only emphasize the yield rate and ignore the hints of risk.

In addition, some salesmen will also sell their products to the market and sell them later, so that investors can decide quickly.

There are also some sales staff who confuse insurance products with bank financial products.

Therefore, it is urgent to strengthen the management and training of salesmen's professional knowledge and professional ethics.

The design of some financial products in some banks is extremely complicated, especially for financial products linked to overseas markets, even for investors with professional financial background, it is difficult for them to understand their essence one hundred percent.

However, whether the market fluctuation causes the product to increase or shrink, its positive tendency always tends to the bank.

Because of asymmetric information between banks and investors, investors can not really grasp the real changes in the value of financial products.

Who will manage and operate the huge funds raised by financial products? What is the qualification of managers?

This is also a problem that investors are completely not clear about.

Recently, the fund industry has exposed hundreds of millions of yuan scale funds, and only managed by post-80s fund managers who have just left school.

According to the statistics of Wind information, 15 of the fund managers who have disclosed their date of birth belong to the post-80s generation.

The post - 80 fund managers, only with the experience of digital simulation, have no actual experience in investment, and it is difficult to manage the fund in time and effectively when confronted with sudden circumstances.