Recently, at a state-owned bank branch in Mianyang, Sichuan, there was a paragraph that was widely spread on the Internet. According to reports, the lady had made a deposit of 300,000 yuan at a bank, but when she came to the bank again and asked to withdraw the deposit, the bank told her that she could not withdraw it.
The reason is that her money was automatically transferred to a wealth management product by the bank, which is currently in a closed period and cannot be redeemed. After hearing the news, the lady was very anxious and immediately burst into tears at the bank.
Although we don't know if this lady knows the fact that her deposit is converted into a wealth management product, through this matter, today I will share with you some experience on how to effectively prevent deposits from becoming wealth management, ** trust or other high-risk products.
When dealing with banking business, we need to pay attention to the following:
First, we should not blindly follow the words of bank staff, nor should we covet high rates of return. High returns often come with high risks.
If we pursue a high rate of return, we have to take greater risks, and we may lose our principal or even lose our principal at all. Therefore, we must remain rational when faced with investment choices.
Second, we need to be decisive and tell the staff that we only want to store fixed deposits, such as certificates of deposit or passbooks, because they have all of them"Periodically"The words. After the deposit is completed, we need to carefully observe the reaction of the staff.
If we later find out that we have not deposited a fixed deposit, we can complain to them, or even find their superiors and a series of actions to make our position clear, that is, I only store fixed deposits, and I don't want anything else.
Third, many people will find that the employees in the hall are not bank staff, but staff of insurance companies or ** companies, who have a cooperative relationship with the bank.
This is not the case, almost all banks do not have an outsourcing system, so these customer personnel are formal bank staff.
It's just that these bank staff have tasks and will sell us high-risk products while completing them. The current investment environment is less than ideal, and interest rates on fixed deposits have been falling.
Therefore, many bank staff will attract us by describing our term products as high-return products such as wealth management, insurance**, trusts, etc. So, at this time, we must invest carefully.
In short, this incident reminds us that we need to be cautious when dealing with wealth management products when handling banking business. At the same time, banks should also strengthen the supervision of business processes and the supervision and guidance of management.