The Guangdong Provincial Consumer Council reminds: financial training "stable and not compensation" is not credible

In recent years, people's wealth management concepts have been continuously enhanced, the financial training market has expanded rapidly, and various types of wealth management training institutions have appeared, but the quality of service is uneven and chaotic. The problems reflected by consumer complaints are mainly low -cost and false propaganda, induced high -priced consumption, fake teacher qualifications, serious losses for recommended wealth management products, poor curriculum quality, and difficulty refund. On June 13, the Consumer Council of Guangdong Province issued financial training consumption tips to consumers for the current problems in the field of wealth management training.

01 alert to low -cost traps

Financial training institutions usually attract consumers with gimmicks such as "1 yuan to learn financial management" and "12 yuan small white wealth management class", and then let consumers buy high -priced advanced courses with unrealistic names. For such low -cost marketing routines, consumers need to be vigilant, and do not easily be induced by low -cost publicity. Before buying the course Greed up and fall into the consumption trap.

02 Raise risk awareness

As a investment behavior, wealth management must have risks. Regular wealth management courses and financial and business classes generally do not use "stable earnings and not compensation", "high income" and "return on investment", etc., because the promise of high returns and high returns not only does not comply with the laws of financial management, but also violates violations of violations of financial management. The Consumer Rights Protection Law, "Advertising Law" and other related regulations. Consumers should treat such publicity and marketing, and encounter an institution that promises to protect the capital and profit, and pay more attention.

03 Putting up the financial mentality

Financial training institutions often use false cases that have successfully obtained high returns in the past as induction to obtain the trust of consumers, so that consumers have the idea of ​​"lying down to make money" and "fast money". Consumers should clearly realize that even professionals have difficulty maintaining stable and long -term high returns, and financial training institutions are more difficult to make students achieve no loss and high returns.

04 Do not blindly follow the public

Some wealth management training institutions will recommend fund stocks to students. Under the rendering of the classroom atmosphere, consumers are easy to blindly follow the trend. Such behaviors of the institution have been suspected of illegal recommendation, and at the same time, consumers' property security bears greater risks. Consumers should not trust the so -called internal news and professional recommendations of the wealth management training institution. After comprehensively understanding the information of the investment products, they should combine the financial management knowledge they have controlled and their own risk capabilities.

05 Reasonable Selection Course

Consumers with zero wealth management are often difficult to effectively identify the authenticity of merchant propaganda and training. In this regard, the Guangdong Consumer Council suggested that consumers can first use some regular professional online platforms to learn video learning. After mastering a certain professional basic knowledge, they then consider whether to buy the courses of wealth management training institutions to further learn to better protect to better protect Itself legitimate rights and interests.

Produced by Chinese Consumer Newspaper New Media Editorial Department

Source/China Consumer News · China Consumer Network

Author/Chen Xiaoying Li Qingshan

Edit/Duke

Supervision/He Yongpeng Ren Zhenyu

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