In the past two days, the thunderstorm of Haiyin's wealth has been regarded as a stone hammer.
Yesterday, Lao Nanyi's brother, who has been in the financial industry for 20 years, posted a message in the circle of friends - "Haiyin just thundered today, and everyone here is responsible."
After reading this sentence, I was very emotional.
01
Since our official account was launched in 16 years, there has been a consultation on product drug testing.
In addition to the thunderstorm a while ago, we have blocked the purchase of no less than hundreds of millions of funds (we mentioned in "Funds Are Going to Be Redeemed? The Chinese version of Lehman is coming?"), and the consulting of Hywin Wealth products is also a big head.
There are those who listened to our advice and withdrew all of them 3 years ago:
There are those who have listened to our advice and no longer invest:
The most recent one was in September this year, and we were also a user of internal reference who used the rights of a free consultation product and was stopped by us.
At that time, we also made this case public in the internal reference and reminded everyone not to touch it:
At that time, I was still wondering, it's 2023, how can anyone still believe this?
In 2019, Lao Nan wrote "Countdown to the Rectification of the Gold Exchange, Do You Hold This Type of Assets?", reminding everyone to stay away from all the so-called wealth management products of the "Gold Exchange".
also let Uncle Pomegranate repeatedly forward this early warning in the circle of friends, with a scale of more than 850 billion.
Because we know too well that many middle-class and high-net-worth families, the current assets come from the high business cycle of the past 20 years, and the future cash flow is not as good as before.
02
But with high profits, not everyone can figure it out, not just ordinary customers.
For example, I know many former employees of formal financial institutions such as banks, securities firms, and insurance companies, who have switched jobs to these institutions in the past few years.
There are many people who are familiar with Lao Nan, and they have been persuaded to retreat quickly, and there are also those who have listened to my advice and retreated in time, but this is a minority.
Most of them also scolded us in turn, after all, the product income is much higher than that of traditional financial institutions, the commission is higher, with the previous tens of millions or even hundreds of millions of customers, the annual income is instantly millions larger, and there will be brave men under the heavy reward.
03
And it's not just practitioners who help to abuse, I previously wrote an article in the internal reference "Running from Award-winning Private Equity, Talking about the Media, and Evaluating Awards", in which one of the cases mentioned is Haiyin.
Almost 3 years ago, a professional media published an article exposing Haiyin's involvement in self-financing. After this news came out, the social impact was quite large.
As a result, the next day, Lao Nan saw that almost all the employees and leaders of Haiyin in the circle of friends were forwarding the positive report of this professional media on one of Haiyin's activities, and commented one after another, saying that the official media admitted that they were wrong.
I looked at the news and found that there was a cat, reporting on an event of Hywin more than half a year ago.
So with the attitude of learning Xi, I asked a brother from Beijing Central Media what kind of routine this is. As a result, when he saw it, he said that something is going to happen, you wait. Then, ten minutes later, the article was retracted.
He told me that he was good friends with the editor-in-chief of this professional media and went to remind him as soon as possible, so he retracted the manuscript.
Because someone did something bad below, it is estimated that he received benefits, and used this media Internet platform to publish an old news, and then this wealth company used it to package and hedge the previous negative reports.
At that time, I sighed, I can still play like this.
But think about it, how many so-called "well-known awards" have Haiyin won in the past so many years, and these well-known award institutions are really blind, or do they only recognize money?
04
In such an environment, with so many endorsements, do you expect ordinary customers to be able to distinguish whether they have participated in illegal fundraising?
Last month, I was invited to give a speech by the Family Wealth Committee of the Nanjing Bar Association, and I mentioned that there is a serious information asymmetry in China's wealth management industry.
Ordinary customers directly facing professional institutions (including Li Gui) do not have the ability to identify professionally, and it is impossible for them to have professional identification, which requires a third-party mechanism to check and balance. But in this regard, it is still very slow.
Last week, a vice president of a brokerage research institute specializing in wealth management came to Nanjing, and we also sat down to talk about it. We all agree that:
In the past two years, the sluggish consumption, weak real estate, and the large-scale thunderstorm of people's financial management are a very important, but neglected reason.
The impact of the thunderstorm of stock assets is the wealth accumulated for 10 or even 20 years, and the impact is far greater than the decrease in income in the past two years.
Recently, we have also received a lot of inquiries, and we have written articles about many cases to remind you.
For example, "Many old people are obsessed with gold financial management, it is a big pit", which is a deeply hidden illegal fundraising, which is not small in many cities. But because offline, the audience is mostly middle-aged and elderly, so it is unknown.
and "The highest income is 164%, starting at 50,000, do you dare to invest in Wu Jing's new film?" that we wrote before,
Later, I accidentally found out that this company secretly sent a lawyer's letter to Lao Nan on Weibo, without notifying us at all.
Then not long after, this company was sued in court with a bunch of investment thunderstorms, and it was already limited + dishonest.
This kind of is not bad, in the past few years, lawyer's letters have been commonplace, and there are all kinds of threats.
However, for investors in Hywin, it is not recommended to make any radical moves now, and wait patiently for the loss announcement of the white registration on a blue background, and just wait.
knot
So, come to think of it, that old finance guy really wasn't wrong.
Haiyin just thundered today, and everyone here is responsible.
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