Netizens follow Everbright Bank store or suspected illegal fund-raising

Electric business era, the bank "electric shock" has become commonplace, however, the bank online shop to sell deposits in the first time, although both gimmicks also have a margin, but "fame and fortune" at the same time also provoked a lot of controversy. 1 Everbright response: not "high interest range", Everbright Bank "sale" through the Taobao platform "to sell" deposits, and to "buy 1000 send 1000 collection of treasure" for promotion, equivalent to the return of 10 Yuan cash deduction coupons. In response to this kind of store behavior or touch the regulatory red Line, said Everbright Bank claimed that the bank and Taobao cost-effective cooperation to launch a new type of financial products sales model is a cross-sectoral cooperation model of innovation, and no intention to increase deposit interest rate, high interest.　　Return collection is a good deal for the sale of the site to promote the promotional activities, the main function of cash Exchange is Taobao promotion, not by the Everbright Bank to return to the present. January 8, the reporter through the "Taobao financial" login Everbright Bank Online Business Hall, currently in the sale of only "fixed treasure" one, that is, Everbright Bank issued regular savings. The purchase amount is 50 yuan and the expected annual income is 2.86% to 4.75%. Consumers are free to choose between 3 months to 5 years of financial maturity. Everbright Bank online Business Hall, "Wang Wang" to reporters: "As long as there is Alipay account can be purchased online, do not need to handle Everbright Bank entity card." Consumers can use his bank card to pay through Alipay online, but also can transfer funds to pay the treasure of the financial special account to buy. "Obviously, Everbright Bank of this product to earn enough" popularity. Reporters noted that as of January 8 18:20, Everbright Bank "fixed treasure" products in the Taobao store volume has been up to 52844.　　The reporter browses the transaction record to discover, most net friend's purchase amount is below 1000 yuan, but also has more than 10,000 yuan above "the big money". 2 netizens follow: or suspected illegal fund-raising bank opened shop to sell deposits fire, also triggered a netizen to follow. Reporters in the Taobao search "fixed treasure" found a "Hong Lin financial" shop, online sales of three "fixed deposit treasure Financial" products, the purchase amount of 10 yuan, 50 yuan and 100 yuan. The product description of the road, the product belongs to the January period of fixed products, the need to reach a certain number before the purchase of success.　　To buy a 100-yuan product for example, the maturity of the principal plus income is 103 yuan. Compared with the bank shop, although the private shop yield to higher, but the business is "Autumn" is very, no transaction records. To win the first client, the shopkeeper told reporters, "I can give you 4% of the proceeds." I am in the integrity of my conscience as a guarantee, the recovery of principal and interest will be entered into your Alipay account, or your designated account. I tell you every once in a while about the income and so on.　　The shopkeeper revealed that it was actually used for personal capital turnover, such as lending food short-term money and other people need money. For users to open a bank to sell deposits, bankers remind, if there is no relevant agencies issued a business license, may be suspected of illegal fund-raising. "Experience a new way of managing money and should also protectThe safety of the funds, it is recommended to select banks, funds, insurance and other institutions, rather than individuals. "3 Future trends: Online Banking or the spread of radiation in a wide range of physical outlets means that banks have a large number of relatively stable customer groups." In recent years, the development of electronic banking business, but also the extension of Bank counter business and supplement. Now, the bank chooses the electric business platform as the third party sales channel, based on what kind of consideration? Analysys International [micro-blog] analyst Meng said in an interview with the financial investment newspaper, "the rapid development of e-commerce, so many people have changed the consumption habits, has a large number of consumers from offline to online migration, the bank move is to adapt to the changes in consumer objects." "In fact, it is not the first time that banks are selling products in partnership with Third-party payment agencies," he said. As early as last July, Bank of communications and Alibaba [micro-blog] jointly announced the launch of "Bank of communications Taobao flagship store", users can browse online various types of precious metal products, and through Alipay purchase orders.　　Meng analysis points out that similar to the online banking is the physical network and the official website after the formation of the bank's proprietary sales channels, another "auxiliary advantage", the future or will become a trend in other banks to promote. There are reservations about banking network deposit. Stakeholders in a state-owned bank believe that consumers will be at risk if the regulators are missing. "Compared to the traditional business, consumers lack of written vouchers in the hands of the consumer, if the electrical business platform error, the customer will not be able to redeem the expected income, the situation would be more trouble." ”