How to distinguish the authenticity of financial products?The central bank supports "one see two questions, two questions, three checks and four,"

In 2022, the event of the "Financial Knowledge Popularity Monthly Monthly Financial Knowledge Entering Ten Thousands of Family Striving for Rational Investors Striving for Financial Goods" will begin in September. The People's Bank of China, the CBRC, the CSRC, and the National Internet Information Office held a press conference on August 26 to introduce the relevant situation of the event.

Yu Wenjian, director of the Financial Consumption Rights Protection Bureau of the People's Bank of China, introduced at the meeting that the theme of this event is to promote basic financial knowledge and financial risk prevention skills for financial consumers and investors, carry out in -depth risk reminders to prevent illegal financial activities. Promote the scientific financial management and reasonable loan of financial consumers and investors, promote the co -construction of social and healthy society, and promote common prosperity. Guide financial consumers and investors to consciously resist online financial rumors and financial negative energy, and build a clear network space to allow the people to better share the achievements of financial reform and development and meet the needs of a better life.

The specific content includes the following six aspects: First, pay attention to improving financial literacy and publicize and popularize the financial knowledge required for the production and life of financial consumers. The second is to advocate scientific financial management and reasonable borrowing to help financial consumers hold the "money bag". The third is to focus on key groups, financial common sense, hot issues, and cross -digital gaps, etc., to carry out educational activities close to the public needs of the public, and promote the healthy development of the financial industry. The fourth is to provide professional and convenient investor education services to protect the legitimate rights and interests of investors. Fifth, strive to make good financial netizens and build a good spiritual homeland. Sixth, strengthen financial risks, identify and stay away from illegal financial activities.

At present, how does financial consumers distinguish the authenticity of financial products, have there any quick ways to query, and how should they protect their rights in the financial scam?

In this regard, Yu Wenjian said that for the identification of authenticity of financial products, we summarized a set of tips for financial consumers for financial consumers, called "One look, two questions, three checks and four."

"At first glance" is to see whether the financial yield and deposit interest are reasonable. High income means high risk, the yield is more than 6%, it is necessary to question the number, more than 8%is very dangerous, and more than 10%must prepare all the principal.

"Two questions" is to ask regular financial institutions or financial regulatory authorities when encountering doubts in financial financial.

"Three investigations" is to check whether financial institutions have business qualification licenses, check whether financial products are compliant, and check whether financial advertisements are illegal.

"Four do not want" don't trust unknown information, don't disclose personal information at will, do not open unknown network links, and do not easily transfer money.

"Regarding the inquiry method of financial products, the Internet is now very developed, and there are many convenient financial product query channels on online." Yu Wenjian said that, for example, through China Finance Network, you can query the information of banking financial products. Through the electronic information disclosure platform of the China Securities Regulatory Commission's capital market, and the information publicity page of the China Securities Investment Fund Industry Association, the basic information of various fund management institutions and products can be queried. Through the official website of the China Banking Regulatory Commission or the official website of the China Insurance Industry Association, you can inquire about relevant insurance product information.

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