&quot 河北医科大学人事处

Four identify financial "ghost": the X agreement signed private – Sohu financing that the bank has the ghost? Following P2P various foot frequently, even now the bank will also have an accident, so the people’s money still dare to put where? Why banks will also have the ghost? Shell gold suit financial planners believe that the emergence of financial "ghost", is due to the pressure of competition between banks, deposits increased pressure performance of bank employees, making some bank staff for personal interests, "no discount means", to "high interest" and "high commission", "high yield" etc. from public funds, then private. For bank financial ghost shell gold service financial management division believes that people do not panic, first of all to have some investment knowledge and skills; it is also important to learn how to avoid financial risk, financial "ghost" to recognize. So, from what can be seen is the "ghost" bank? [high] "deposit interest" with the interest rate market, the bank RRR cuts, after the launch of the deposit insurance system, intensify the competition between different banks, in addition to engage in activities by "deposit 100 thousand to send 5 barrels of oil to pull deposits, many bank staff would pay to depositors" discount "to pull deposits, this is common. It is understood that the bank staff to give the "discount", generally about 1%-2%, but if it is too high, reached 5%, or even 10% or more, depositors should be careful, even relatives and friends in the bank, you need to be vigilant, to prevent bank "ghost". [signed "X" agreement] some bank staff, in order to lock in long-term savers to deposit, the "high interest" in commitment, but also mysteriously and depositors signed the "X agreement", such as the disappearance of Hangzhou deposits, which is related to this point for example, not paid in advance, do not open the Tongdui, do not open the SMS alerts, cannot query funds etc.. In this regard, financial planner said people from this point, can one identify the bank "the ghost", the bank deposit agreement signed this is why things should work in just ways, mysterious, and signing overlord protocol, there is definitely a problem. [high product "return"] in addition, by selling high income to savings of financial products, customers also pull some bank staff usual tricks, "a deposit, rather than buy a 9% guaranteed financial products", "zero risk, high return"… You know… The bank’s financial products the general revenue of about 4%-7%, about 7% of the products are to invest in the stock market, the risk is very high, more suitable for strong investor risk tolerance. If the bank product "return" is too high, investors must be careful, or "ghost", or the product risk is high. There is no such product bank website [] to buy financial products, in addition to look carefully at the product to understand the product investment risk, estimate the real income and product raising period and period of arrival of funds. Financial planner suggests that people can also query through the bank online website, whether the bank has this product in the pin.

四点辨别银行理财“内鬼”:私下签订X不协议-搜狐理财  连银行都有内鬼了?继P2P的各种跑路频发,现在连银行也会出事,那么老百姓的钱还敢往哪里放?为什么银行也会有“内鬼”呢?贝壳金服的理财师认为银行理财“内鬼”的出现,是由于银行间存款竞争压力加剧、银行员工有业绩等的压力,使得一些银行员工为了个人利益,“不折手段”,以各种“高贴息”、“高佣金”、“高收益”等方式吸取民众的资金,然后再加以私用。   对于银行理财“内鬼”,贝壳金服理财师认为,民众不必惊慌,首先要掌握一些投资理财知识和技巧;另外重要的是要学会规避理财风险,认出银行理财“内鬼”来。那么,从哪些方面可以看出是否是银行“内鬼”呢?   【过高的存款“贴息”】   随着利率市场化,银行降准降息,之后银行存款保险制度的推出,各银行间的竞争加剧,除了通过靠搞活动“存10万送5桶油”等来拉存款,不少银行工作人员会自掏腰包给储户“贴息”来拉存款,这已是常事。据了解银行工作人员给予的“贴息”,一般在1%-2%左右,而如果过高,达到5%,甚至10%或超过,储户就要小心了,就算是亲戚朋友在银行,你都需要提高警惕,防范银行“内鬼”。   【私下签订“X不协议”】   一些银行工作人员,为了长期锁定储户的资金,在承诺给予存款“高贴息”时,还会神神秘秘地要求和储户签订“X不协议”,就比如这次杭州储户存款失踪一案,其中就涉及到这一点,比如不能提前支取,不开通通兑,不开通短信提醒,不能查询资金情况等。对此,理财师表示民众就从这一点,就能一眼识别出银行“内鬼”,银行存款签协议本应是光明正大的事,为啥神神秘秘,还签霸王协议,肯定是有问题。   【过高的产品“收益”】   另外,通过向储蓄推销高收益的理财产品,也是一些银行工作人员惯用的拉客户的招数,“存定期,还不如购买一款9%的保本理财产品”,“零风险,高收益”……要知道银行的理财产品的收益一般的4%-7%左右,7%左右的产品一般都是投资股市等领域,风险很高,比较适合于风险承受能力强的投资者。如果银行产品“收益”过高,投资者一定要小心,要不有“内鬼”,要不产品风险肯定很高。   【银行网站查无此产品】   购买银行理财产品,除了仔细看清楚产品的投向,了解产品的投资风险,估算产品的实际收益以及产品的募集期和资金到账期外。理财师建议民众还可以通过银行在线网站查询,银行是否有这款产品在销售,如果没有,就要谨慎购买;再如果跟网上实际标出的收益不同,高于非常多,也要谨慎投资,或者也可以寻求专业的人士或机构帮你看清楚。   理财有风险不可怕,学会规避风险才是至关重要的。学会快速认出银行理财“内鬼”,减少财产损失,对民众理财很有帮助。相关的主题文章: