Outrageous! What happens when a deposit of 100,000 yuan is converted into wealth management by a "bank employee" and cannot be recovered?

Recently, the "100,000 yuan deposit was converted into wealth management by bank employees" has attracted attention.

According to an October 13 report by the Elephant News Elephant Gang, on September 28, Hu Xianhong, a resident of Zhoukou City, Henan Province, reported that the 100,000 yuan deposit left to her after her husband's death was transferred by bank employees to buy wealth management products and has not been recovered.

The bank said that this act was a personal act. The court dismissed Ms. Hu's lawsuit because the contract was not established.

Henan again! Banks again!

I planned to deposit again, and I ended up buying a wealth management product!

Buff can be said to be stacked!

Fortunately, there are media colleagues who help each other, and netizens relay the torch to let this matter out of the circle, and I believe that the bad thing of "Ms. Hu" can be properly resolved.

But how many "Ms. Hu" will step on the "pit" of bank wealth management?

In fact, not to mention the weak individuals, even listed companies have been pitted a lot, such as: Yanghe.

It is worth noting that at that time, Yanghe purchased bank trust wealth management products.

It is said that the safety is high and the liquidity is good, but I didn't expect to step on the thunder of Evergrande and lose 250 million out.

Why does buying bank wealth management products step on the thunder of Evergrande?

For no other reason, the announcement introduces financial products, writing:

"Including but not limited to" principal-protected wealth management products, structured deposits, time deposits or certificates of deposit.

Please note that there is a phrase called "including but not limited to", which means that if the company purchases non-principal-protected wealth management products, it is not a violation of the rules.

Yanghe bought such a product, and in the end, he could only pinch his nose and admit it, but fortunately, some shareholders paid for it.

Who should we ordinary people find to pay for their savings?

As a veteran driver in the industry for more than ten years, I will tell you why there are always people who save money to buy financial management.

The reasons all sound like "being routine", but why will it be routine, there are 3 superficial reasons:

1. Unconditionally trust the bank, thinking that the shirts in the bank are all bank employees (in fact, there are many third-party staff of funds and insurance sold by the bank);

2. Only look at the benefits, do not look at the risks, ignore the time cost (of course, it may also be deliberately guided);

3. Blinded by warm attitude, thoughtful service and small gifts (don't doubt, many banks now give real gifts in order to sell high-interest financial management and insurance products, including but not limited to: mobile phones, electric bicycles, etc.)

But in fact, any investment that only talks to you about benefits, without talking to you about risks and time costs, is hooliganism!

I went to the bank last week to queue up for business and saw such an accident with my own eyes.

A beautiful white-collar beauty in a short skirt of stockings introduced products to a gray-haired elderly man.

The elderly take the number of deposits, a white-collar beauty twisted her ass to recommend products to the elderly "What is risk-free, what is high yield, what regular income, specifically for retired Kochi seniors like you..."

When I heard in my ear, "If you are satisfied, we will go to the counter to do business?" ”

Seeing that the girl's hand was about to put her arm around the old man's waist, I couldn't help it, and there was a voice in my heart:

"Let go of that old man and let me come!"

I turned on my phone camera and said to this beautiful woman with exquisite makeup, "Please repeat what you just said, just the phrase "risk-free, high yield, how long to receive income, how long to withdraw principal?" ”

Quiet, awkward, even the old man didn't understand, what was I doing?

The security guards in the lobby immediately surrounded me, seemingly trying to get me out.

The white-collar beauty gave me a blank look and smiled at the old man: "Don't bother with him, let's go over there to do business, soon." ”

I quickly walked over, opened the product introduction, found the risk level, and there were two big words - balance.

I asked the white-collar beauty to explain....."Is the capital guaranteed or not?" ”

She didn't speak.

Then, I turned to the income statement, it was really evil to the guts, and anger rose from the heart.

It is proudly written inside: receive financial income every year, and return the principal after 20 years.

At this time, the old man stopped working! "20 years! I didn't know if I was there for 20 years? ”.......

When I sat down again, an old lady next to me asked me, "What are you doing, boy?" Can you help me see how good it is for me to manage this financial management now? ”

As soon as I opened it, it was really two eyes and a black "X state" two words came into view.....

This is just an experience of me going to the bank by chance, and behind this is in the context of not knowing it, I don't know how many people have bought "insurance and financial management".

Banks really have nothing to do with that?

So how can we protect ourselves?

The easiest way I can think of is this: when you are not sure whether what the sales say is true or false, you let him hold the ID card and say again "I am xxx, ID card xxxx, xx products I recommend, what is risk-free, what is high yield, what regular income, specifically for retired Kochi seniors like you..."

Don't forget to record it, you see if he dares?

In addition, to add cold knowledge, do you think it is safe to deposit 500,000 deposits in the bank? Naive!

Once a commercial bank goes bankrupt, not all deposits of 500,000 yuan can be paid, and in the following three cases, not a penny may be lost:

First, according to the provisions of the Banking Law, small and medium-sized banks that have not participated in deposit insurance will not pay compensation once bankrupt depositors' deposits;

Second, if the customer purchases the wealth management products of the bankrupt bankruptcy, he will also not be compensated;

Third, if the customer purchases a fund or insurance third-party wealth management product sold by a bankrupt bankruptcy bank, he will not be compensated.

Don't think that the probability of this is small!

I picked up the information, there are now more than 4,600 banks on the mainland, and more than 600 small and medium-sized banks do not participate in deposit insurance.

Also, banks Do you think you can go bankrupt if you want to? You can't see, the insolvent X big is not bankrupt now?

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Good wishes, I am Xie Xiaobai who wishes you wealth and freedom