A woman cried bitterly in a bank branch, and she couldn't withdraw a penny of the 300,000 yuan deposited in the bank!
Recently, a ** has been widely spread on the Internet, and it is said that the shooting location is a state-owned bank branch in Mianyang, Sichuan.
Why can't I get the money out?Was it stolen?
It's not like that, it turned out that her money was transferred to a wealth management product.
People have questioned why bank deposits have become wealth management products
Most netizens tend to think that the problem must be with the bank, and the staff may help customers turn their deposits into wealth management products in a deceptive or misleading way in order to complete their own assessment tasks.
In fact, as long as people who are familiar with the business process of the bank understand, it is impossible for the bank to convert the customer's deposit into wealth management products without authorization, and it usually needs to fully communicate with the customer and obtain the customer's signature confirmation.
In addition, some wealth management products will also make audio and video recordings, so the possibility of converting deposits into wealth management products without the customer's knowledge is almost zero.
Subsequently, Mianyang Branch issued a relevant explanation. It turned out that the wealth management product purchased by the woman was in a closed period, so it cannot be redeemed at present. After communicating and explaining with the bank, the two parties have reached a consensus, and the customer agrees with the result.
In similar incidents, in fact, there are many people who have handled other wealth management businesses because the interest rate on bank deposits is getting lower and lower, and when they are looking for higher returns.
We don't know the exact details of what happened after the incident, but here we need to seriously consider what we should pay attention to when doing banking business
However, we would like to remind everyone that you must be cautious when handling relevant business and fully understand the possible losses, including loss of income, loss of principal and loss of time.
For example, the funds were originally saved for a one-year fixed term, but I found that the interest rate was too low, and I accidentally found that the three-year interest rate was higher.
As a result, after a year and a half, I needed money temporarily, and I took out the money, but I found that all the interest had become current, and I didn't even get a year's fixed interest.
In this case, it is a loss of income, but fortunately, there is no loss of principal, and there is no loss of liquidity, so you can take it out when you want to take out the money.
Investment and financial management inevitably require a trade-off between safety, profitability and liquidity, and it is difficult to balance the three. In order to pursue higher returns, investors may need to take a certain amount of risk or accept the fact that the funds will not be available for a period of time.
Of course, in specific cases, it is more for the pursuit of profits, taking a certain risk, resulting in the loss of principal, which is more worthy of our attention.
In short, when you are attracted by some additional benefits when handling any business, you must understand what additional possibilities there are for this kind of business. After weighing these losses that you can bear, then this business can be handled.
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