官方紧急提醒！这种金融产品别买，收益率超6%就需打问号
<div class="wx_rich_media_content" id="jsWxContainer"><p style='display: none;' data-tools="西瓜插件，运行于电脑浏览器上的插件，可在公众号后台找优质文章素材，一键美化排版，检测文章违规，查看任意公众号粉丝阅读数" data-label="Power by：chajian.xiguaji.com"><br></p><p style='display: none;' data-tools="西瓜插件，运行于电脑浏览器上的插件，可在公众号后台找优质文章素材，一键美化排版，检测文章违规，查看任意公众号粉丝阅读数" data-label="Power by：chajian.xiguaji.com"><br></p><p style='display: none;' data-tools="西瓜插件，运行于电脑浏览器上的插件，可在公众号后台找优质文章素材，一键美化排版，检测文章违规，查看任意公众号粉丝阅读数" data-label="Power by：chajian.xiguaji.com"><br></p><p style='display: none;' data-tools="西瓜插件，运行于电脑浏览器上的插件，可在公众号后台找优质文章素材，一键美化排版，检测文章违规，查看任意公众号粉丝阅读数" data-label="Power by：chajian.xiguaji.com"><br></p><p style='display: none;' data-tools="西瓜插件，运行于电脑浏览器上的插件，可在公众号后台找优质文章素材，一键美化排版，检测文章违规，查看任意公众号粉丝阅读数" data-label="Power by：chajian.xiguaji.com"><br></p><p style='display: none;' data-tools="西瓜插件，运行于电脑浏览器上的插件，可在公众号后台找优质文章素材，一键美化排版，检测文章违规，查看任意公众号粉丝阅读数" data-label="Power by：chajian.xiguaji.com"><br></p><p style='display: none;' data-tools="西瓜插件，运行于电脑浏览器上的插件，可在公众号后台找优质文章素材，一键美化排版，检测文章违规，查看任意公众号粉丝阅读数" data-label="Power by：chajian.xiguaji.com"><br></p><p style='display: none;' data-tools="西瓜插件，运行于电脑浏览器上的插件，可在公众号后台找优质文章素材，一键美化排版，检测文章违规，查看任意公众号粉丝阅读数" data-label="Power by：chajian.xiguaji.com"><br></p><p style='text-align: center;'><br></p><section data-tools="135编辑器" data-id="88174" style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; box-sizing: border-box !important; overflow-wrap: break-word !important;'><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section data-width="100%" style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section data-width="15%" style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section data-tools="135编辑器" data-id="95447" style='max-width: 100%;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;word-break: break-all !important;'><section data-width="100%" style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><span style='font-size: 17px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'>银保监会网站9月18日消息，银保监会消保局、人民银行消保局主要负责人日前在答记者问时重申，</span><span style='max-width: 100%;font-size: 17px;color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;'><strong style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'>没有高回报、低风险的金融产品，高收益意味着高风险，“保本高收益”就是金融诈骗。</strong></span></section><section style='max-width: 100%; letter-spacing: 1.5px; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;'><br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></section><p style='max-width: 100%; min-height: 1em; letter-spacing: 1.5px; line-height: normal; box-sizing: border-box !important; overflow-wrap: break-word !important;'><span class="wxart_image" wx-style='display:inline-block;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 559px !important;'></span></p><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></section></section></section></section></section></section></section></section></section><section data-tools="135编辑器" data-id="96711" style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;'><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section data-autoskip="1" style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><span style='font-size: 17px;max-width: 100%;color: rgb(2, 30, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;'><strong style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'>“保本高收益”就是金融诈骗</strong><br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></span></section></section></section></section></section><section style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;'><br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></section><section style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;'><span style='max-width: 100%;font-size: 17px;box-sizing: border-box !important;overflow-wrap: break-word !important;'>为切实提升金融消费者素养，有效防范化解金融风险，人民银行、银保监会、证监会和国家网信办于9月份联合开展了“金融知识普及月 金融知识进万家 争做理性投资者 争做金融好网民”活动。今年活动的预期成效：</span></section><section style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: normal; box-sizing: border-box !important; overflow-wrap: break-word !important;'><br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></section><section data-tools="135编辑器" data-id="97678" style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;'><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section data-width="100%" style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section data-autoskip="1" style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><p style='max-width: 100%;min-height: 1em;box-sizing: border-box !important;overflow-wrap: break-word !important;'><span style='max-width: 100%;color: rgb(0, 0, 0);font-size: 17px;box-sizing: border-box !important;overflow-wrap: break-word !important;'>一是提升城乡居民金融素养和风险防范意识。希望通过金融宣传教育，不断提高城乡居民金融知识水平和金融风险防范意识，让广大人民群众了解到<strong style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'>没有高回报、低风险的金融产品，高收益意味着高风险，金融消费者应清楚“保本高收益”就是金融诈骗。</strong></span></p><p style='max-width: 100%;min-height: 1em;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;'><br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></p><p style='max-width: 100%;min-height: 1em;box-sizing: border-box !important;overflow-wrap: break-word !important;'><span style='max-width: 100%;color: rgb(0, 0, 0);font-size: 17px;box-sizing: border-box !important;overflow-wrap: break-word !important;'>二是强化法治意识和契约精神。消费者在购买金融产品时，应认真阅读合同，了解权利义务，审慎对待合同签署、风险测评和确认环节，<strong style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'>不能闭眼签字，更不能随意让人代签。</strong></span></p><p style='max-width: 100%;min-height: 1em;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;'><br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></p><p style='max-width: 100%;min-height: 1em;box-sizing: border-box !important;overflow-wrap: break-word !important;'><span style='font-size: 17px;'><span style='max-width: 100%;color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;'>三是引导消费者树立理性投资、价值投资观念。应理清自身需求和可用资金，尽量长期投资，不宜一味追求赚“快钱”，还要懂得“不把鸡蛋放在一个篮子里”，适度分散风险。在实践中，</span><span style='max-width: 100%;color: rgb(190, 26, 29);box-sizing: border-box !important;overflow-wrap: break-word !important;'><strong style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'>承诺保证本金的金融产品收益率超过6%就要打问号，超过8%就很危险，10%以上就要准备损失全部本金。</strong></span></span></p></section></section></section></section><section data-tools="135编辑器" data-id="96708" style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;'><p style='max-width: 100%;min-height: 1em;box-sizing: border-box !important;overflow-wrap: break-word !important;'><br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></p><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><span style='max-width: 100%;color: rgb(0, 0, 0);font-size: 17px;box-sizing: border-box !important;overflow-wrap: break-word !important;'>在宣传重点方面，注重对互联网新型产品进行知识宣传，比如手机碎屏险、航空延误险等。这些产品的特点是交易金额小、频率高、场景化，且容易引发消费纠纷或投诉。另外，受新冠肺炎疫情影响，国际金融市场形势更复杂多变，金融消费者应进一步增强投资风险意识。</span></section><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></section></section><section data-tools="135编辑器" data-id="96711" style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;'><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><span style='max-width: 100%;color: rgb(2, 30, 170);font-size: 17px;box-sizing: border-box !important;overflow-wrap: break-word !important;'><strong style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'>存款受法律保障</strong></span></section></section></section></section></section><section style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;'><br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></section><p style='max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;'><span style='max-width: 100%;font-size: 17px;box-sizing: border-box !important;overflow-wrap: break-word !important;'>据媒体报道，去年以来个别地区发生了谣言导致的集中提款现象。对此，相关负责人表示，个别地区的小额储户，尤其是经济欠发达的地区和金融知识薄弱的居民，由于金融常识匮乏，受到谣言影响或煽动盲从，出现了不必要的集中提款，且大多是老年人。有的老百姓听信谣言，不接受劝导和解释，甚至宁愿损失定期存款利息也要坚决支取。</span></p><p style='max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;'><br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></p><p style='max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;'><span style='max-width: 100%;font-size: 17px;box-sizing: border-box !important;overflow-wrap: break-word !important;'>所以，今年加强了对偏远落后、金融生态较脆弱地区的金融知识普及力度，加强正面引导，向群众讲政策、作解释，提高群众识别和防范非法活动侵害的意识和能力，让群众明白存款受法律保护的道理，切实保护金融消费者合法权益。同时提醒广大群众，要不信谣、不传谣，相信官方发布的权威信息，避免蒙受不必要的经济损失。</span></p><section style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;'><br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></section><section data-tools="135编辑器" data-id="96711" style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;'><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section data-autoskip="1" style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><span style='max-width: 100%;color: rgb(2, 30, 170);font-size: 17px;box-sizing: border-box !important;overflow-wrap: break-word !important;'><strong style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'>选择四个“正规”保护自身权益</strong></span></section></section></section></section></section><section style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;'><br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></section><section data-tools="135编辑器" data-id="97678" style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;'><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section data-width="100%" style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section data-autoskip="1" style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><section style='max-width: 100%;color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;'><span style='max-width: 100%;font-size: 17px;box-sizing: border-box !important;overflow-wrap: break-word !important;'><strong style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'>一是消费者要选择正规持牌机构。</strong>注意查验相关机构是否具备经营资质，防范非法金融活动侵害。监管部门也会加大对持牌金融机构的监管力度，规范金融机构行为，加强金融消费者权益保护监督管理。<br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></span></section><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></section><section style='max-width: 100%;color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;'><span style='max-width: 100%;font-size: 17px;box-sizing: border-box !important;overflow-wrap: break-word !important;'><strong style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'>二是选择正规销售渠道。</strong>消费者要在正规营业场所接受金融服务，通过金融机构官方线上线下渠道购买产品，该录音录像的要录音录像。</span></section><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></section><section style='max-width: 100%;color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;'><span style='max-width: 100%;font-size: 17px;box-sizing: border-box !important;overflow-wrap: break-word !important;'><strong style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'>三是选择正规从业人员。</strong>金融消费者应注意查验提供销售服务人员的金融从业资质，防范诈骗风险。对不明的电话、链接、邮件推销行为保持警惕。不随意提供个人信息、金融账户信息，不轻易点击不明链接，不向不明第三方转账汇款。</span></section><section style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'><br style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'></section><section style='max-width: 100%;color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;'><span style='max-width: 100%;font-size: 17px;box-sizing: border-box !important;overflow-wrap: break-word !important;'><strong style='max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;'>四是通过正规投诉渠道反映问题</strong>。消费者发现自身权益受到侵害后，可以通过金融机构或监管部门投诉渠道反映问题，依法合理维护自身权益。注意防范“代理投诉”“代理退保”行为造成的二次侵权，银保监会曾发布《关于防范“代理退保”有关风险的提示》，向消费者提示过代理退保行为可能隐藏的诈骗、个人信息泄露等风险。</span></section></section></section></section></section><p><br></p><section>来源：光明日报、中国银保监会</section></div><p></p> 原来的确有，正规银行20点的息{:216:}{:216:}{:216:}鸡蛋不要放一个篮子里，所有的篮子却在一辆车上，就看车翻不翻？
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