Online banking is becoming popular and risks are hidden

Abstract: Whether it is insurance or financial products, online investment is gradually become familiar with the financial management, with the birth of a variety of new investment channels, along with the investment income, financial security and other issues also by the consumer's attention. Bank finance expert reminds,

Whether it is insurance or financial products, online investment is gradually become familiar with the financial management, with the birth of a variety of new investment channels, along with the investment income, capital security and other issues also by the consumer's attention. Bank financial experts remind investors online financial management can not only pursue high returns, the need to see product terms, to protect the financial security.

-Event Banking online "buy" deposits

In order to avoid paying peak network silver "traffic jam", many netizens like to transfer the money from the bank card to the Alipay to complete the net purchase, and this part of the money in Alipay without any interest income. Recently, Everbright Bank has a look at the net to buy a family to pay the balance of treasure, on Taobao open shop to sell a "fixed treasure" of the term deposit products.

The term and time deposit of a fixed treasure, as from three months, six months to 5 years, the minimum purchase amount of 50 yuan. After buying the product with the balance in Alipay, the money will become a term deposit and enjoy a 10% interest rate on the benchmark interest rate. The product was launched, it attracted netizens, online two-month turnover reached 52,772 pieces.

During the promotional period, Taobao buyers buy Everbright Bank "fixed treasure", in addition to enjoy the floating reserve rate of 1% of the rebate, in order to calculate, Taobao platform deposit rate is higher than the current central bank set the ceiling of 1.1 times times.

Because of this, the product has been questioned by the market, is considered to touch the ban "use of high interest or improper means to absorb deposits" regulatory red line. Everbright Bank customer service staff responded that "fixed treasure" product rebate is the promotional activities, Taobao and Alipay with their own resources to the buyer's feedback, not from Everbright Bank, there is no illegal operation.

Guo, director of the Banking Research Center at the Central University of Finance and Economics, said that if banks were to pay interest rates on deposits and then to give depositors other benefits, there was a suspicion of high interest rates;

-the current situation of online banking increasingly popular

Taobao Financial area, in addition to Everbright Bank's "fixed treasure", there are Chinese longevity, Taikang Life, Pacific Insurance financial insurance products. One months ago, Guohua Life on the platform of Taobao has set a 3-day product sales broken billion performance. In addition, the laying of the bank's electric business channels is also significantly accelerated.

Take the bank of communications as an example, last August, the bank and Alibaba announced the launch of "Bank of communications Taobao flagship store", this is the first time the domestic banking sector Taobao. Its flagship Taobao store, open content include: precious metals, funds, insurance, personal and small business loans, VIP customer service, bank cards, such as 6 channels, users can browse the line of various kinds of precious metal products, and through Alipay purchase orders.

CCB is also a pioneer in the construction of the bank's electricity quotient. CCB Electronic Banking Department general manager Liu Jianzhong introduced, the construction bank since the establishment of the good and financial business platform since June 28 last year on the line, the turnover has exceeded 3 billion yuan, mainly focused on business-to-business (merchant to merchant) business.

Reporter learned that a group of fund companies are actively preparing Taobao flagship store. December 27, 2012 the SFC announced the "Securities Investment fund sales organization through Third-party E-commerce platform to carry out Securities Investment fund sales guidelines for trial draft", the third party opened the electronic Commerce license. This also means that in the future, the fund company can enter Taobao, Beijing-east and other electronic mall shop to sell funds, the fund industry thus entered the era of E-commerce.

Silver Rate Network analysts believe that Everbright Bank has previously sold in Taobao Mall of the fixed treasure, and the bank counters or electronic channels of storage

Storage is different, this product provides electronic vouchers, there is no traditional certificate of deposit, and the funds are managed by Alipay, which is different from the deposit in the bank, in addition, the proceeds of the product is similar to the fixed deposit, but the interest rate is the interest rate of the fixed deposit.

-Influence the adjustment of traditional sales channels

At present, the financial institutions "NET" the specific mode of the main three kinds: first, the depth of the development of their own official website, the second is in Taobao-oriented Third-party platform to open a direct sales shop; third, through the Third-party financial institutions platform to sell. "E-commerce market is huge, in the context of strong customer resources, banks to develop their own channels of electricity business fear and Taobao such platforms comparable." A banking analyst said, "This requires financial institutions in the security technology innovation, customer service and other aspects of the efforts to improve wind control capacity, and the regulatory level has been attached great importance to the network marketing channel risk control, regulatory policies are being introduced." ”

In the view of banks, online banking network sales is tantamount to a channel revolution, now even the insurance, funds, trusts in the past rely on the bank channels, but also began to shift the focus of the channel gradually to the network platform. However, some experts believe that with the insurance, funds and other networks of direct marketing channels to establish and expand, banks play a channel role will be weakened. However, based on a number of regulatory policies, customer habits, both hardware and software settings, the bank as a financial product sales channel pattern will not be changed.

In fact, not all financial products are suitable for online sales, simple products can be direct marketing through the network, and customized, personalized products need to be completed online by the financial manager.

-Worry about internet banking risks

At home, the mouse can buy bank products, in the convenience of investors, but also hidden risks. As mentioned above, not all products are suitable for internet sales, online banking still has its own risks that can not be ignored.

On the one hand, the Internet has provided an alternative channel for the more and more large network buyers, and the bank has changed from a single product sales channel to a multi-channel product sales. Another

In the face of consumers, the online banking method is not only convenient and quick, but also the benefits are often higher than the traditional channels. But the actual return depends on the specific circumstances of the product.

However, industry experts worry that although internet banking products have obvious advantages, but the risk can not be ignored. Although the bank has repeatedly stressed that product online sales from the payment, the maturity of the redemption process, the money itself is safe. But the security of third party payment platform is still lower than bank account, the risk of theft is relatively big. Therefore, in the capital operation must be careful, beware of being fished, and must pay more attention to their own account security.

Professionals have warned that in the past, when purchasing financial products from banks or brokerage firms, financial managers have an obligation to make risk assessments and risk hints to consumers. And online transactions pay more attention to the safety of products, profitability, often dilute the warning of risk, easy to mislead consumers. And because of the lack of professional consultants as a guide, it is easy to buy wrong products or take higher risks. This requires consumers to buy products online first to learn to judge, from the big side, do not buy to read products, from an early age, the need to buy product descriptions, provisions of the provisions must see clearly, to understand before they can do, do not impulse consumption.

-Suggested

Carefully see the product terms

Internet finance is imperceptibly changing the way people invest, investors originally online under the physical financial institutions are "promoted", and now turned to the Internet to purchase voluntarily. New's network financing mode undoubtedly brings opportunity, change and even impact to the financial industry.

Although the net buys the financial product to look very beautiful, but the profession reminder, the high income and the high risk coexist, the merchant on-line propaganda more pays attention enlarges the profitability, and the dilution risk, is apt to mislead.

Liao Jia, the Morningstar consulting analyst, said that with the popularity of E-commerce, large web platforms had the innate advantage of potential customers. However, compared with banks, direct marketing and other channels, there are inherent deficiencies in the professionalism of their services.

Chen Dongmei, deputy director of the Department of Insurance, Fudan University, warns consumers that they should see clearly the terms and conditions of the contract when they are on the Internet, and the man-machine conversation is different from face-to-face sales, without the reminder of the salesman, consumers need their own "long mind" to see the product content.

Focus on account security

Silver Rate Network analysts believe that investors should pay attention to distinguish what type of products they buy, whether the products meet their own needs, because there is no financial advisor to explain, so before buying should carefully read the product description, there is not understand should be consulted customer service. In addition to the third Party website qualification and security needs to have a comprehensive understanding, pay attention to the purchase of funds security issues. There is no essential difference between the products that banks sell on electricity platforms and the banks that sell the same products through their own channels. If savings are not risky, index funds are at risk.

CITIC Bank financial manager said that investors in the online banking, not only the pursuit of high income, the best to buy their own can understand the product, especially to carefully see its terms, do not blindly invest. Online purchase, due to lack of professional advisor guidance, it is easy to buy the wrong product or take a higher risk.

In addition, the online banking certificate of deposit is not issued by the bank, but by Alipay issued by the electronic deposit certificate, investors should be wary of the network security problems caused by the loss of funds. Investors need to beware of being "fishing" in capital operation, pay attention to fund security.