Hot: high-yield products 2 minutes to grab empty

Yuen Po return rate is about to fall below 4%, banking more than 6% of financial products hard to find, P2P platform closed down frequently, Aunt robbed of gold still stuck ... ... In the post balance treasure era, the current financial markets and not a high yield Low-risk low-threshold products to choose from. Recently, a product called "Notes Po" appeared in front of investors. It allegedly hit 1 yuan and the annualized yield was as high as 9.8%. The only risk is bank failures. Even millions of bank financing products from the vote is difficult to close to 10% of the proceeds, "Bill Po" is the gospel of wire spinning it? High-yield really risk-free? Revenue is guaranteed?

Hot: high-yield products 2 minutes to grab empty

On July 4, SINO's MicroWealth management platform launched a bill financing product with a yield of 9.8%. According to the propaganda, Bill Bao 14009 was accepted by Minsheng Bank's Dongguan Sales Department. The yield included a 8% And notes Po 1.8% high-yield subsidies, 1 yuan from the vote, the investment period of a total of 106 days. Guarantee for the Bank unconditionally accept the principal and interest, principal and interest security.

In the financing of this product column, simply write the Shenzhen Chang Ming Ya Trade Co., Ltd., there is no specific investment channels introduced. Reporters search the Internet, did not find this company information. July 4, the product available within 2 minutes, more than 1 million of the financing quota was 227 investors a robbery. The platform news shows that there are bill financing products raised in 18 seconds to succeed, there are 30 seconds to raise 3 million financing lines.

According to Sina micro-wealth customer service introduction, notes Po is responsible for product development design, Sina micro-wealth is only to provide sales channels.

Model: Bank draft mortgage financing

Biao Bao so-called bank acceptance bills, is a kind of commercial bills by the deposit bank opened in the acceptance bank depositors to vote, apply to the bank and agreed to accept the acceptance of the bank acceptance, promised to pay the unconditional payment of the specified date Amount of money to payee or bearer's bill.

Bill Bao online official customer service introduction, Treasury Bill's financial model is equivalent to the financing needs of the company's own bank acceptance bills as a collateral and as a means of financing. The return of the investor due on maturity is equivalent to the interest on the loan of the financing company.

Statistics show that Bao Bao is a service platform for bill financing and bill financing launched by China Bills Network and Finance Net, belonging to Shenzhen Bao Bao Financial Services Co., Ltd. "Notes Po" will be financing for the locking of the emerging industries under the high-quality enterprises. The slogan is "zero risk". The reason is that the acceptance banks of the bills are all powerful and reputable banks that are rigidly accepted and their risk tends to be zero. The risk is only the risk of bank failures.

Doubt 1

9.8% Yield Zero risk?

No product details introduced and guaranteed revenue terms

Notes Po: Notes treasure 6% -10% of the proceeds, 21 days to 180 days of life expectancy, one hundred percent safe, zero risk.

The reporter opened the "Notes Treasure Project Item 94" for sale on the Web site of Notes. The marked return rate was 6.95% per annum, while the acceptance bank was Zheshang Bank. The investment period was 1 month and the investment amount was 1 Yuan. Compared to the current 5% of the bank's financial markets, Yu Bao 4% annualized earnings around, it really caught the eye.

However, open this money management products, the page is only one bill treasure "this product security" promotional map. In addition, there is no introduction about the investment details of the products, and there is no guarantee of the capital preservation commitment.

Notes Bao online customer service staff said the notes Po products not only guaranteed, and absolutely guaranteed revenue, but on the source of revenue, customer service is only interpreted as the interest of financing companies did not explain the direction of specific funds.

In 9.8% of the proceeds of the notes Po products, Sina micro-wealth product introduction page also indicate the principal and interest of security. However, in the official product introduction, the reporter found only on the principal of the bank to honor the statement, did not find a specific investment direction and guarantee the terms of the proceeds introduced.

Notes Bao explained that the reason why the bill is more than the other financial products, because the bill belongs to non-standard category, unlike other monetary fund products, the rate of return will be higher than the standard product.

"At present, the discounted rate of the bill market is between 4% and 6%. If the revenue of bill financing can really reach 10%, why do not we develop our own financial products and hand over profits to these internet platforms?" One The state-owned bank's wealth management account manager said that the bank's acceptance bill, which is the subject of the bill financing product, represents the bank's credit. However, this does not mean that there is no risk at all. There are risks such as cloning tickets and delayed payment. In addition, "whether these platforms really grasp the real bills, the platform is secured by bills, these investors can research it?"

Southern Metropolis Daily quoted a deputy bank governor of Guangdong as introducing a wealth management product such as "Bill Bao." From the business principle of success, the rate of return can theoretically reach 8% or more but at risk. "The first is the credit risk of this platform.If the platform's credit can not be guaranteed, then the authenticity of its instruments, the promises and publicity it promised, the credibility of all beats a big question mark."

Insiders said that China's bill financing market is very large, but the bill wealth management products are new, the mode mechanism is not yet mature, combined with opaque information, there is no clear rules and regulations and risk control system, which may hide a lot of risks.

Doubt 2

10 years operating security?

"Bill treasure" was established more than a month

Notes Po: 10 years operating experience protection, nearly 0 risk assets protection. Behind the bill treasure, standing on the Chinese bill network and financial a network of these two professional bill website giant.

Reporters found that "Notes Po" this product on-line time for the June 16, 2014. Bill Po website official website announced the business license stated that the bill treasure was established on June 3, 2014, the legal representative of Li Huajun. As for its parent company, China Ticket Network and Financial Network, also did not reach 10 years of operating time.

Financial website official website information shows that the site in November 2008 formally on-line test to bank acceptance bills discount rates and bills trading information as the core product.

Reporter multi-query found that at present there are two China Note Network, one by the "China Foreign Exchange Trade Center and the National Bank Interbank Lending Center," the site's contact phone feedback did not know that the paper business treasure. Another is also called "China Notes Network" is mentioned in the Notes Po website "professional paper website giant." In this China Notes online, the reporter did not find its official information.

In addition, the financial record number of China Telecom and China Netcom are "Guangdong ICP No. 09007025" and "粤 ICP 备 09007025 号 -3" respectively, and their business addresses are all located at No. 33, Tairan Road, Chegongmiao, Futian District, Shenzhen Yunsong Building. " Bill treasure's customer service said that China's bill network and financial network has been merged in the past year, bill treasure is a major product launched after the merger.

Doubt 3

Bank, country Bao Bao security?

Guo Po said the investment risk to take care of themselves

Bills Po: Biao Bao and the bank signed a custody agreement, all the instruments involved in the platform are kept at the bank. State-Po pays Bill Treasury to provide third-party fund custody, monitoring the flow of funds throughout the investors, and ensuring investors' financial security in an all-round way.

Reporters mentioned in the article yesterday, "the bank" repeatedly asked the online customer service bills treasure, have not received a reply. Reporter also repeatedly call Bill official customer service phone, but can not get through.

In a prominent position of the official website of China Billing Net, the parent company of Boo Bao, the reporter saw a bill purchase information signed by Ms. Jin for "long-term purchase of small ticket with the price as low as 800 yuan."

Relevant banks in a city of Tianjin, said: "At present, the discounted bills market is very complex, a lot of fake tickets on the market to identify whether the fake tickets professionals need to get the bill carefully distinguish to distinguish .If there is fake tickets or 'clone' Notes, will give investors a great investment risk. "

In the bill security official website security column, the reporter saw the "bill treasure" financial management has a third-party fund custody platform, Guofu Bao is the only country certified electronic payment, third-party payment platform. The official website reporter saw Guo Po, Guo Bao Information Technology Co., Ltd. is relying on the establishment of China International Electronic Commerce Center set up for the government and business needs and the development of e-commerce to create a state-owned independent third-party payment platform.

Guo Fu Po customer service staff said yesterday that Shenzhen Bao Bao Financial Services Co., Ltd. is indeed the country to pay Bao business. However, when reporters asked if the bill Bao honor payment, Guo Bao to assume liability for breach of contract, the customer service staff said that in the Alipay merchants financial investment is personal behavior, investors need to bear the risk of investment, the national treasure Does not bear the joint responsibility of bill treasure.

Beijing News reporter Chen Bai