Everbright Bank "fixed deposit treasure" suspected illegal to store trample red line

"Fixed deposit Treasure" Taobao purchase page "fixed treasure" product brochure according to the Sound of the economic "world Company" reported that every year at the end of the bank is the peak of the store. Banks in order to complete a year's deposit indicators, is racked up: a moment to save money to send iphone5 mobile phone, a while "save 1,000,001 days to return you 2000 Yuan", in short, because in order to range, eight recount. However, "money to send goods" of this marketing means, after all, too explicit, not on the table. So many banks began to think differently. • Entertainment gossip look over · It English to go abroad education through the understanding, Everbright Bank in the days of the cat "Poly Cost-effective" launched a name "fixed treasure" of the wealth management products. This product subscription price minimum of 50 yuan, the expected annual return of the highest level of 5 years 4.75%, investors bought this product, not only can have higher than the bank interest rate, but also enjoy every 1000 yuan back to 10 yuan Taobao discount coupons treatment. For example, if you buy 1000 yuan of one-year regular financial products, then a year later, your yield will reach 3.3% plus 1% discount coupon rebate, that is, a total of 43 yuan. This product sells very hot on Taobao. Up to now, there have been nearly 52000 volumes. On the transaction list, the highest single turnover of 100,000 yuan, the minimum is 50 yuan. In the product brochure, the name of the "fixed treasure" product is so advertised: very loose, almost as long as the net silver can buy. On the purchase step, it seems strange. First, the real-name certification, and secondly, upload ID card copy. The central bank's 2000 issue of a strict ban on high interest rates using improper means to absorb deposits, the notice stipulates that "the financial institutions (including postal savings agencies) must strictly implement the deposit rate stipulated by the People's Bank of China, prohibit unauthorized raising of interest rate, or by handling fees, the agency fee, deposit Award, save, Introduction fee, To raise the deposit interest rate in disguise. Guo, a professor at the Central University of Finance and Economics, said that the Everbright bank's "fixed treasure" products have violated the suspicion of dumping. Guo: The general people will think that there will be a bank disguised in the high interest rate of suspicion, after all, it is in addition to the interest in return coupons, return some what gift. This should be viewed from two aspects, as a bank, the absorption of deposits through various channels, which is understandable, whether in the entity bank or through the online entity channels, as long as the deposit can be formed, as long as the national policy, in accordance with national policy within the scope of the provisions are no problem. If the bank pays the deposit rate and then gives savers some other benefits, there may be a suspicion of high interest rates. But we have to note that some websites are actually promoting, this kind of promotion rebate if it is the behavior of the website, this thing and the bank has no relationship.