Every time I see the investment and financial management staff of the bank, I feel that they are lyi

You say you bought bonds** elsewhere with an annual return of more than 10%, depending on what they have to say.

Now do fixed rate of return**, one-year yield of more than 7% abounds, more than one-year fixed deposit more than 2 times.

In fact, it's not a scam, it's just that you may not know much about the industry, and you don't know much about financial management before you think they cheat you. When you really get to know the industry well, you will understand that you may be missing out on a lot of opportunities to make money. At present, the highest annual rate of return of wealth management products will be about 10%.

Generally, it is a trust product, and nothing else has such a high rate of return, and other wealth management products are generally short-term, and the starting point is relatively low. Take a closer look, and this industry will be a trend of social development in the future!

There is a possibility of deception by bank staff, but individual personnel are an exception. Therefore, you need to have a relatively accurate prediction of risks and investment prospects, and do your basic homework.

There is no such thing as cheating, and other banks also have sales tasks, just like a salesman in a shopping mall who sells goods to you and will try to say the benefits of his own goods as much as possible. The key is that you should understand the nature of wealth management products, and don't think that buying wealth management products is a deposit, so you can't say that the financial manager deceives you.

I don't have outstanding personal ability, and I see that others feel that I am fighting my hard-earned ideas.

Let's just say you're already doing financial management, no!

Although caution should be deserved, it just depends on your situation, yes!

With my experience, most of the investment and financial management are deceptive, some people don't want to deceive people, and in the end they lose money, and there is no way, so the victims are also investors, I invested three years ago, half of my life's savings, have been cheated, and now I haven't returned a penny, so I advise everyone, put the money in the bank is the safest, the bank will fail and will compensate at least 500,000, it is not easy to make money, take care of your own money.

A lot of it is true. Investing requires your own judgment and prudent financial management.

A simple and intuitive understanding is how to manage one's own property, that is, to plan one's property reasonably. The average person's financial management is at this level, calculating their current property and future income, choosing how to spend, and then reducing unreasonable consumption. Most people's concept of financial management is to use money to make money, that is, if there is spare money for things other than personal life needs, it is called financial management.

Some financial products are indeed deceptive, such as several times the annual income of the bank interest at several times the life of a hundred times, let you find an acquaintance to pull people's heads, this is almost all fake, and when you deposit the money in their financial management company, they should run away in a hurry when the money reaches a certain amount.

Like**ah,**ah, it's true, like a high annual return of tens of percent.

It doesn't have to be a lie, as long as it's a formal financial management.

The bank is the safest, the interest rate is low, but the most secure, financial management is risky, bad luck will be lost. If you want to make money, you have to take risks.

I'm in the same situation as you, and I've just found someone to chase back and introduce it to you.

Investment and financial management are not all deception, do not listen to bias for investment and financial management, there are indeed many such existences, but you can't completely deny all financial management methods, investment and financial management can also earn money, and generally speaking, as long as you can withdraw money normally, then this is normal financial management, and it is more reliable.

For example, when I participate in national foreign trade, I say that in a period of 30 days, I can get 1.2% of the profit, then I do get it, and the funds have also arrived in my account, and I can enter the bank card normally, so that investment and financial management are not to make money.

Therefore, not all investment and financial management are not credible, as long as you choose the right and reliable, you can make money.

Before investing in financial management, you should recognize the common ** to prevent being deceived. There are two more typical types of investment and financial management**: 1. Fake platform** This kind of ** often in the name of investment and financial management, build a fake **, APP, publish fictitious transactions or products, and after defrauding the investment, manipulate the platform to control the rise and fall, restrict withdrawal, suspend operations, close **, etc., so that the rough investors suffer financial losses.

2. False projects** This kind of financial management will often induce customers to invest in a virtual project with a steady profit and high returns. There are many types of fake investment projects in different cycles, and some will even deceive under the guise of major national projects and high-tech projects.

Article 266 of the Criminal Law: Where public or private property is defrauded and the amount is relatively large, a sentence of up to three years imprisonment, short-term detention or controlled release is to be given, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between three and ten years imprisonment and a concurrent fine is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or life imprisonment is to be given, and a concurrent fine or confiscation of property is to be given. Where this Law provides otherwise, follow those provisions.

In addition to transferring money to my own peer account, I don't want to provide others with the verification code received by my bank or mobile phone, even if the case is solved, I get acquainted with him from a real person or the Internet, and generally do not need to go through the stolen person's procedures at the back door, and be fined or fined; If the amount is huge or there are other serious circumstances, when ** takes your money to eat and drink, Chain Oak Call** will transfer the money to another card as much as possible after fraudulently obtaining the transfer.

<> when facing fraud, we must maintain a calm state, listen to each other slowly, and shout that we should find a way to get out of this predicament, and we should not let the other party confuse ourselves. When encountering fraudsters, they can help themselves and protect their rights and interests by infiltrating the law, so that they can get a good protection. It is also possible to get the money back.

Summary. Bank staff will generally sell wealth management to customers, because customers buy wealth management products, bank staff will have a commission, therefore, when investors go to the bank to handle business, if they encounter bank staff to promote wealth management products, you must see clearly what is the wealth management products, how about the risk, how about the rate of return and so on, after all, any wealth management products are risky, and is not principal-protected.

Bank staff will generally sell wealth management to customers, because customers buy wealth management products, bank staff will have commissions, therefore, when investors go to the bank to handle business, if they encounter bank staff to promote wealth management products, they must see clearly what is the side of the financial products, how about the risk, how about the rate of return and so on.

The People's Bank of China and the China Banking Regulatory Commission also stipulate that no wealth management product shall have a 100% safe commitment, so the compensation you said does not exist.

As for the large losses of wealth management products, they are generally private placement products, that is, legally speaking, it is the personal behavior of bank employees (although it is recommended by the bank's business department or key customer room, but you can't help it!). Because generally as long as there is an accident, the relevant clerk Min Heng Que Gong will take the initiative to resign or transfer, so that you have no way to investigate), and it has nothing to do with Yinban Yuxingqiao, even if it is a lawsuit, unless there is 100% audio and video recordings and other proof.

Please take a look at the above analysis of your problem, if you have any doubts, you can continue to consult Lakai, you can also give me the case or other related facts to describe it so that I can help you analyze.

Summary. Hello, can you explain your question in detail, so that it can be easily answered.

Hello, can you explain your question in detail, so that it can be easily answered.

My friend pulled me to manage my finances and asked me to help me complete the task, saying that I could get a car to my name after completing the task, and he knew that there was something wrong with the company, and he always asked me to vote, but I was cheated.

What can I do to defend my rights.

If you are deceived, you should keep the evidence in time to complain and report the case.

Is there any deception on the part of the friend?

where there is, evidence may be retained and the case may be reported.

Can this chat log be used as evidence?

It would be better to have other evidence.

Lawyer answers

It depends.

Lawyer analysis

Beam handicap code depends on the situation.

1. If it is the personal behavior of the salesman to be deceived, the salesman can be sued.

2. If the deception is the legal person behavior of the wealth management company, you can only sue the wealth management company.

The crime of fraud refers to the use of fictitious facts or methods to conceal the truth for the purpose of illegal possession to defraud a relatively large amount of public or private property.

Legal basis

Article 266 of the Criminal Law of the People's Republic of China.

where public or private property is defrauded, and the amount is relatively large, a sentence of up to three years imprisonment, short-term detention or controlled release is to be given, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between 3 and 10 years imprisonment and a concurrent fine is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or life imprisonment is to be given, and a concurrent fine or confiscation of property is to be given. Where there are other provisions in this law, follow the provisions.

Article 1 of the Supreme People's Court and Supreme People's Procuratorate Interpretation on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases of Fraud.

Where public or private property is defrauded with a value of 3,000 to 10,000 RMB, 30,000 to 100,000 RMB, or 500,000 RMB, it shall be respectively found to be 'relatively large amounts', 'huge amounts', or 'especially huge amounts' as provided for in Criminal Law article 266. The high people's courts and people's procuratorates of all provinces, autonomous regions, and directly governed municipalities may, in consideration of the economic and social development of that region, and within the range of amounts provided for in the preceding paragraph, jointly study and determine the specific amount standards for enforcement in that region, and report it to the Supreme People's Court and Supreme People's Procuratorate for filing.