Bank Financing Should Have Three Points Of Attention.

"We launched the depositors' financial management: 15 days 50 thousand 3.8%, 500 thousand 4%, 1 million 4.2%; 500 thousand, 343 days 5.6%, 455 days 455, limited amount, want to buy as fast as..."

For a time, these financial advertisements seem to be everywhere, full of people's mobile phones, occupy the layout of the major media.

After the first interest rate adjustment of the central bank in the year of the rabbit, the financial institutions of major banks in the provincial capital have also made frequent efforts to launch a new financial product with different quotas and time limits.

Compared with the past, these financial products are more flexible and mature.

Faced with a wide variety of financial products, many consumers think that buying financial products at banks is safe and secure.

This is not the case.

In March 9th, the provincial Consumers Association and the provincial Banking Association reminded consumers to pay attention to the following questions when purchasing financial products:

First, choose trust.

When consumers purchase financial products, they should choose the banks that they trust, clearly purchase the characteristics of the products, and rationally purchase them according to their actual conditions.

Some private financial institutions claim that the annual rate of return is as high as 10%-30% or even higher, attracting consumers with high returns.

In the face of these temptations, consumers should investigate, understand and verify more, evaluate their promises and their feasibility, and finally choose professional and formal financial institutions.

Second, purchase appropriate financial products.

Investors should choose appropriate investment products according to the actual size of their funds, usage and duration.

It is understood that the bank's financial products, the cycle is long and short, the proceeds are high or low, the risk is large or small, the amount is small.

Most financial products can not be withdrawn in advance or have a large loss in advance.

Therefore, when consumers subscribe to financial products, they must consider the use and time of their own funds.

Third, define the true expected revenue.

Usually consumers purchase financial products, the most common term is probably the annual rate of return.

Annualized rate of return is a theoretical rate of return calculated from the current rate of return (daily yield, weekly yield, monthly rate of return) to adult income rate, not the real rate of return.

Therefore, investors need to be sensible when buying bank financial products, and must not be misled by the "annualized yield".

3. 15 is coming. If consumers find that banks have exaggerated misleading publicity products, they should respond to the banking regulatory authorities and the banking association in a timely manner and complain to the administrative departments for Industry and Commerce and consumers' associations.

Relevant departments will organize exposure and investigation of false propaganda and infringement of the legitimate rights and interests of consumers.