The elderly are hard to resist the temptation of high interest and are hunted by financial fraud.
http://news.jnnc.com//jinan/2018/0315/658957.shtml
new and new audio-visual reporter, the illegal fund-raising fraud of
is a kind of financial fraudulent crime with more serious social harm. In recent years, the number of such crimes has increased, with high interest as bait to cheat the property of the middle-aged and the elderly. Why do the middle aged and elderly people avoid such fraud? How to manage money properly?
a Ji'nan old man for free to lead the egg, but lost 50 thousand yuan
last year, the Ji'nan citizen Mr. Li bought the high interest financial products under the temptation of the illegal fund-raising fraud, and lost nearly 50 thousand yuan.
Lao Li, we opened a company at the gate of the community to listen to their public lecture, so that they could get eggs free of charge. When playing cards together, the brand friend said to Mr. Li. Mr. Li thought that if he had this cheap, he would not make money without making money. So he went to class with his neighbors almost every week, and he picked up free eggs. Because of a few successive eggs, Mr. Li tasted the sweetness, and told his family the cheap thing, and his children felt very cheap, no loss and cheap money, and they didn't worry about it.
over time, the class heard a lot, and the eggs got a lot. One day, the staff of this company began to sell the company project to Mr. Li. The staff said that the company has a very good financial product at the moment, put into the million yuan start, the installment return, the longest 24 months, the monthly return 2%, the monthly payment. If you pay today, you can get a red envelope, at least 1000 yuan. The staff is introduced.
heard such a high profit, one of the elderly (in fact, the company's request), even when the investment of 30 thousand yuan, the other old people have emulated, holding a try attitude, Mr. Li transferred 10 thousand yuan to buy the company project. On the same day, Mr. Li received a red envelope of 1000 yuan, and after a month, he received 200 yuan in return. Mr. Li was happy to see the promise, and he was happy to add 40 thousand yuan. He wanted to surprise his family, but after two months, he found that the high return company that had made him dream had long gone.
investment companies sell financial management without evidence, and high interest products are most fraudulent
this kind of fraud by selling high interest financial products belongs to the category of fund-raising fraud. Wang Xinliang, the head of the first civil defense fraud protection center in the country, and Wang Xinliang, the director of the new law firm in Shandong, the fraud is carried out by the middle-aged and the old people by the temptation of high interest. The social activities of the middle-aged and the elderly are reduced, the information is blocked, and the information about purchasing financial products is lagging behind. In addition, the elderly people have a weak awareness and lack of necessary legal knowledge to make the fraudsters the opportunity to take the opportunity.
it is worth noting that many companies in the market are now issuing financial products with the banner of financial investment consulting, most of which have no financial licenses. Wang Xinliang said that at present, in addition to banks and trust companies, other companies can not sell financial products, if the sale of financial products, it is illegal fund-raising behavior.
to avoid the purchase of financial products by middle-aged and old people, Wang Xinliang reminds us that the annual interest rate of financial products on the market is up to 8%. More than 8% is likely to be a fraud and should be vigilant. In addition, the company's business license should be observed if you buy financial products from financial investment consulting companies. Does the scope of operation indicate whether the business of selling financial products and whether there is a financial license?
in addition, many fraudsters also use their children to care about the old people enough. Because of loneliness, the elderly are more likely to be coaxed by the liar's sweet words. Wang Xinliang reminds us that children should be more concerned about their parents in life, and remind the old people to avoid being cheated because they are greedy for small cheapest. The middle and old people should also consult with their families. Otherwise, they do not pay attention to it once and may lose their savings in a lifetime.
financial tips: the elderly can take 80% of the funds to buy risk free financial products
if the elderly want healthy and reasonable financial management, first of all, according to the family monthly expenses, take out 6 months of expenditure as a family emergency reserve fund, used to deal with sudden incident. Zhang Xiangna, a staff member of the Ji'nan hi tech branch of China Merchants Bank, said the fund can carry out demand deposits.
Zhang Xiangna suggested that the middle and old people should choose the way of investment prudently because of the low risk ability of the middle and old people. Therefore, it is suggested that the middle-aged and elderly people choose the more robust investment in financial products such as regular savings, savings type national debt and large deposit. The middle aged and elderly can take out 80% of their own funds other than household emergency funds to purchase low-risk or risk-free assets.
savings - type treasury bond purchase starting point of 100 yuan, the purchase period of 3-5 years, although a longer period, but also has a certain flexibility, can be taken out at any time, it should be noted that if the debt is not expired, the interest rate is calculated at the current rate. Zhang Xiangna introduced that the purchase starting point of large amount of deposit is between 100 thousand and 200 thousand, and has a certain flexibility relative to the national debt. There are 9 periods from 1 months to 5 years, which can play a certain role in capital turnover.
in addition, for the rest of the money, the middle and old people can also choose the middle and short term financial management of the bank, the time is within one year to one and a half years, the stability is stronger, the interest rate is about 1% higher than the large amount of deposit or national debt. Short and medium term financial products gradually become the preferred depositors with financial awareness, because the time period is not long enough to match the corresponding storage cycle according to time. Zhang Xiangna reminded that the short-term financial products of banks are not guaranteed capital gains, but there is a certain low risk.
in addition, if the middle and old people have fixed income every month, it is a good choice to put out a portion of the monthly income to make a fund investment. It can automatically invest 1000-2000 yuan each month to gain the investment income through the medium and long term investment. Because the insurance product has a long cycle and a narrow choice, it is not recommended for the elderly to buy. Zhang Xiangna said.