User sweat of fish: it is not clear in the bank with the word games we do it? Know that most people do not know much financial sense to use what is called the expected return, may yield the highest return, fixed income, guaranteed income and so these concepts to attract us.
bank foreign exchange financing products promotional materials about the benefits of the concept of complex, high income, expected income, fixed income, guaranteed income, the proceeds of these concepts are related. When so much of a financial management concepts also appear in promotional materials, it is inevitable people a sense of confusion. Relative gains, the description of the data on the risk of low risk in almost the words general. Clear that the banks own the risk of foreign exchange financing products where it can ultimately achieve in the end the so-called 11% of the potential gains. In fact, this is the use of banks and the general public of information asymmetry, to attract everyone’s attention.
but puzzling is why a lot of funds have the same ability to use a very strong bank earnings are expected to be set at less than 4% of it? High expected return of the consumer advocacy select readers Yang: I saw an ad, give me the overall impression is that profits are high in financial products, financial products, the revenue can reach 10% or even 11%, compared to less than some banks 4% of the expected return, my colleagues without hesitation went to buy the bank’s financial products. After seeing the newspaper reports, he noted that the risk of financial problems the product itself – he ignored the time of purchase, because of its product promotion and publicity in the high-yield risk was significantly higher than voice prompts, which makes his friends are scared.
According to the CBRC issued the “Commercial Bank Personal Financial Management Services Interim Measures (Draft)”, “Personal Financial Services commercial banks, banks in the financial plan of the promotional material and contracts, should include financial program is expected to yield estimates of data, calculation methods and the main basis for calculation, and should yield prediction model for the exogenous variables may be related to changes in the contrary, to remind customers attention. ”
and requires, in the “bank financial planning publicity and presentation materials, should contain a clear risk warning content, and eye-catching and simple written expression.”
Obviously, the advertisement in the “Risk Warning” in the tiny fine print, only not really “smart”, but also suspected of weakening, and 10%, 11% of the potential benefits of the striking formation of discordant contrast.
0 ~ 10% and 10% of the expected return is different
User ailin11: I was the bank, has examined the financial products. In fact, banks are the financial products 10%, 11% of the expected return as a gimmick. Are there any risks of financial products. Well, can not be possible to obtain 0 to 10% of the revenue, simply described as 10% may yield? Obviously, the “0 to 10%” and “10%” of the expected return of two very different way of expression, their practical sense, also thousands of miles apart, the bank posted advertisements why not “customers have access to 0 10% of the potential benefits of “more accurate expression of the way? Clearly, the banks will “potential investment income” as a selling point for hype, suspected of misleading investors.
can not just buy foreign exchange financing products revenue
a banking professionals: the purchase of foreign exchange financing products can not just advertising, it can not just look at how how high the proceeds. See that the bank should pay attention to the past success of the foreign exchange financial plan, income is realized and so on.
investors should guard against hidden behind high-yield great risk. The so-called because some of the best yields of products have many prerequisites, the actual rate of return is not equal to the expected rate of return. “To achieve the expected rate of return can be achieved certain conditions, that is the light of the exchange rate, interest rates, gold prices, or index required to achieve the level of agreement.
related to hot words: Bank city of words
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