Be a smart investor

Haidu Investment tells you: For the asset management industry, well-educated investors are the cornerstone of the stability of the asset management market. First of all, financial institutions and financial management departments should increase publicity, guide investors to actively learn financial knowledge, establish value investment concepts, long-term investment concepts, understand that asset management products are different from bank deposits, and enjoy benefits and risks; at the same time, give full play to consumers Associations, industry associations and other organizations play a constructive role in popularizing financial knowledge and protecting financial consumers.

However, news about investors being deceived is still rare. According to data feedback, during the new crown pneumonia epidemic, my country's write-off online loan account fraud and fake loan APP fraud were relatively high, with an increase of 29% and 35% respectively in February. From a tactical point of view, the scammers are all customer service personnel posing as online lending platforms, seizing the sensitive period of the epidemic and using online lending platforms to defraud quotas or funds.

It is not difficult to be a smart investor. The key is to master the basic investment principles, that is, "know the products you are buying." Before placing an investment order, you must ask yourself: Who is selling this product? Is it a licensed financial institution? How much money can I make by buying this product? How much will you lose? When can I redeem it? I have heard of such a Story: An investor bought the products of an illegal online lending institution, but lacked a basic understanding of the institution. It wasn't until his own money ran out that he went to the company's location for the first time. Of course, this is an embarrassing extreme case to remind investors to raise their awareness of investment risks.

To be a smart investor, you also need technology. Fortunately, more and more financial institutions have increased their investment in anti-fraud technology and achieved positive results. For example, ZhongAn Insurance has established a "golden 90 seconds" rapid response system that integrates real-time monitoring, efficient analysis, differentiated interception, independent learning, and closed-loop management. Since the outbreak of the epidemic this year, thousands of fraud groups have been successfully intercepted. However, in the face of endless new financial frauds, companies still need to contribute scientific and technological wisdom, crack data islands, cooperate with the police, cooperate openly, and jointly protect the safety of people's property.