Remind all notice bank manages money the trap in product and fund " this text comes from: Http: / /hkmsn.kblcw.com "

Is recent, a lot of have purchased bank manages money the National People's Congress of product shouts to be taken in - - a lot of manage money product loss or zero profit, some manage money product loss reaches 70% unexpectedly. Under this kind of condition, if wanting to redeem to return , according to contract, still pay to incorporate 3% of service charges , investor simply picture is being scraped by people with knife! " this text comes from:Http: / /hkmsn.kblcw.com"
Manage money product inside, trapHttp: / /hkmsn.kblcw.com"
Now, many banks when sale manages money product , lack is for the enough hint of risk , even do not say a single word for risk. The material that they give uses is professional financial terminology basically , profit calculation method is also very complex, unless professional personage, it does not be understood that general person sees at all, and in this process, trap has appeared. " this text comes from:Http: / /hkmsn.kblcw.com"
For example, some manage money product, the most of stocks gotten in touch have risen , and rise very severe , but have a stock only to fall. Is wrong! Manage money the design of product is unique and not so simple. If the stock that rises at most and rise minimum stock have great gap, you may be zero profit even loss! " this text comes from:Http: / /hkmsn.kblcw.com"
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December 24,2007, Pu hair bank has issued " remit to manage money the 9th issue of 2006 years F1 and F2 planned issue end profit condition announcement ", the F2 profit calculation method of product contract agreement( this plan manage money the=biggest value of earning rate [ 16%-( the best stock expression value - the most bad stock expression value), 0% ]). The best stock expression value stock of the most bad - shows value=98.87%, in 2006, the due earning rate of 9th issue F2 plan is 0, , , " this text comes from:Http: / /hkmsn.kblcw.com"
Why is profit zero?Http: / /hkmsn.kblcw.com"
Week Luo Mr Hua makes professional analysis, followingHttp: / /hkmsn.kblcw.com"
Pu hair bank manage money product approximately condition is so: Choice the H site of the stock market goes up 4 have the company's stock of representative: In China is petroleum chemical engineering , silver Hong Kong, China Merchants Bank and China Mobile, calculation its each in one year rise fall range, then, apply mechanically formula: 16%-( highest rise - minimum rise ), if the number value in bracket is larger than 16%, purchase should manage money the customer of product gets zero profit; If the value in bracket is zero, so, customer may get the highest 16% of earning rate. Its result is: The highest annual rise of China Merchants Bank of the rise in this 4 stocks is approximately 90%, is far higher than rise in minimum the silver annual rise of Hong Kong, the value that causes bracket is larger than 16%, customer profit is zero. " this text comes from:Http: / /hkmsn.kblcw.com"
I do not know everybody to see to understand , have no. Manage money product is designed by bank, its product nature can incline to bank self interests. For example, some manage money product designs so: Only when managing money , some of stocks gotten in touch by product rise completely rise just the same, you then can get biggest profit , may be zero profit or loss otherwise! " this text comes from:Http: / /hkmsn.kblcw.com"
Insider has uncovered secret: Bank manages money product and not is bank a come to operate , its behind is some investment trust companies or is fund company's etc. manage money team. Through bank, this platform and capital have gotten a huge sum of fund to carry out capital running. Basis the agreement of both sides, bank has been completed only to manage money product sales may get not Fei administration fee. Basis the agreement of customer and bank, if last profit in standard profit, bank takes regular administration fee only; If earning rate exceeds standard, bank draws floating administration fee according to certain proportion. The more earning rate is high, the more commission proportion is high, some bank commission proportion is as high as 40%. If manage money loss, basis manages money the "exoneration clause" in product, bank is safe to have no matter, by customer since accept to have bad luck. " this text comes from:Http: / /hkmsn.kblcw.com"
Some investor when purchase manages money product , have not realized related contract at all. For example, manage money after product zero profit incident occurs , Pu hair bank relevant functionary has made following response - - following is the report of " times letter newspaper " of January 22,2008( original text): " this text comes from:Http: / /hkmsn.kblcw.com"
Pu hair bank manages money product zero profit incident, originate from the hot model book that appears recently again and again in each big website. Send dose person name: December 28,2006, his mother has purchased with 100 thousand Yuan Pu hair bank F2 plan( time limit for one year). The expected earning rate of the bank introduction at that time is 0%-16%. But when going to profit to pay day( December 28,2007), the due actual earning rate of this product is zero. After sending out , this model book has aroused social extensive attention. Media report claims , in " this disturbance ", Pu hair some branch network and points of bank are comfort investors, in order to give acting gold ticket waiting for that way is compensated for investor. Yesterday, reporter with investor identity, deliver for this matter news Pu hair bank Chongqing branch customer service hot line. A functionary shows , , , the contract of this money product goes up have mentioned expressly clearly its expected earning rate is 0%-16%, it may be zero to explain its due profit. Therefore investor should take the responsibility by oneself for the zero profit of this product. This is former, Pu hair the bank office public relation of head office general manager Gao Xia, when accepting media interview, have shown , giving acting golden ticket etc. behavior is Pu the behavior sent bank a few of branch some network and points, on the contract of this money product , have not compensated clause. " this text comes from:Http: / /hkmsn.kblcw.com"
Above act happens Pu this kind of product sent bank makes example, is because Pu this one of hair manages money product media report is many, the public pays attention to very much, actually, some manage money the design of product than Pu this kind of product of hair is still complex, Pu this product of hair is though zero profit, at least, have no loss , meet loss, investor is , is bitter to can not stand speech. " this text comes from:Http: / /hkmsn.kblcw.com"
Manage money product waits with fund is the same, a lot of get in touch in stock, as being so, directly make investment no better than in stock , needn't pass this link? So called manage money expert, can really help the dream that little investor round wealth increases? Hard. " this text comes from:Http: / /hkmsn.kblcw.com"
A lot of persons trend purchase fund, fund has actually also separated a link, for example stock type fund, is equal to you give it money , they help you to buy stock , problem lies in that via this link, you will pay out cost. Being other, lift simple example, having fund back and forth to do short line is mad and fried , take the money of base people improperly money, why? Have fund with securities trader is a, its back and forth falls to gallop will engage in the fight to extend cost , service charge happens from investor, and beneficiary is securities trader! Have more very, do mouse storehouse , take the money of base people to seek personal gain for self! Return some take the money of base people to make investment carelessly, the money earned by hard toil of base people when cannon fodder , when tool! " this text comes from:Http: / /hkmsn.kblcw.com"
Because of superintendency vacancy, are these funds made an effort rely on what for base people? Because of system leak, these banks when design manages money product , rely on what to investor accommodation? " this text comes from:Http: / /hkmsn.kblcw.com"
Because of system leak, when those pitiful investors hand over the money earned by hard toil in hand, when they attempt to pass to manage money expert and investment expert help they the pressure of reply price rising, what change is disappointed , had been even plundered to be. " this text comes from:Http: / /hkmsn.kblcw.com"
Therefore, only curse the greedinessHttp: / /hkmsn.kblcw.com"
I know that write this kind of article , signify huge pressure for one in the bond personage who announces work , but I feel that must write these, only when a draws skin, had been revealed , plunderer then can show restraint , since then can change , it is fair with justice. " this text comes from:Http: / /hkmsn.kblcw.com"
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