Internet bankingProduct aboveBank deposit interest ratesSeveral times the proceeds, a low threshold of 1 yuan from the vote, seemingly comprehensive risk protection, making it an instant "spike" a lot of traditionFinancial product. However, Internet financial products have triple risks, investors must avoid the trap.
Risk - a risk warning is not enough
At present, the "balance treasure" as the representative of the Internet financial products are dominated by the Monetary Fund. However, in overwhelming publicity, Internet companies are not alert enough for risks and unilaterally emphasize security and profitability. Monetary funds, while less risky, will still affect the rate of return on the money market. At the same time, Internet financial products commonly adopt the "T + 0" model, which poses the liquidity risk brought by the centralized redemption.
Risk two illegal promotions, disorderly competition
Some Internet companies in order to attract the eye, even at his own expense, "subsidies." The Measures for the Administration of Sales of Securities Investment Funds clearly stipulates that a fund sales agency shall not engage in any acts of "drawing funds, selling rebates or sending physical objects, insurance, fund shares, etc." in fund sales activities.
Some monetary funds to promote the rate of return only represents the historical performance. Investors need to understand that the returns of the Monetary Fund are closely linked to the movements of the interest rates in the money market and are volatile. Therefore, we can not simply take historical performance as the sole criterion.
Risk three risk protection does not fly
Most Internet financial products are advertised by insurance companies in full underwriting, Baidu Ba Fa claimed that "by the China Investment and Financing Guarantee Co., Ltd. to provide security." However, investors still need to pay attention to the security of their accounts. Reports of loss of funds due to loss of accounts without payment of rewards have not been uncommon, and caution should still be exercised with regard to the large amount of funds invested.