In recent years, online investment and wealth management fraud cases have shown a trend of multiple occurrences, ranking first among all kinds of fraud cases as of last year. These frauds often call themselves "low-threshold, high-yield" financial platforms. What are their characteristics and hidden traps? As ordinary people, how should we guard against it? Let's take a look at the eight characteristics of ultra-high-yield financial platform fraud.

1. Abnormal high returns are extremely inflammatory.

greed is the eternal weakness of human beings, and swindlers confuse investors with high returns. Advertisements, without exception, promote a super-high annual rate of return, which is more than 2% at every turn, and some are as high as 3% or even higher.

a very effective and simple way to judge whether a wealth management platform is fraudulent is to look at how high the product yield is, instead of watching advertisements. The low income is not necessarily safe, but the high income is definitely not safe!

second, the company has a vague background and promises to make money.

Liars seem to have special abilities. No matter what happens to their projects, they can make a profit. The only thing you need to do is to buy them.

In fact, these fraudulent financial platforms often deal with their own business and investment vaguely, and most victims have no idea where their money is invested or what kind of company it is.

but you should know that at present, apart from treasury bonds and deposits, it is difficult to see products with guaranteed capital and interest, let alone financial management with guaranteed capital and interest to improve income. If so, it must be illegal or non-compliant.

third, there is a platform endorsement of "Dajia".

Some financial platforms bring in so-called "national brands", "trade associations", certification bodies and even celebrities to increase the credibility of financial platforms.

but you should be clear that no matter how big the brand name is, it is not as reliable as a product manual. No matter who the platform is, it can't prove the quality of a platform. The so-called celebrity platform, just look around.

fourth, let the victim taste the sweetness first.

Generally, fraudsters will let users who invest for the first time successfully recover the principal and interest in a short period of time, so as to relieve the psychological defense of the victims and encourage them to continue to reinvest. When you found that making money was so simple, you had already fallen into their trap.

Some people get out of hand after tasting the sweetness. In order to get Qian Shengqian, they will not hesitate to borrow money from relatives and friends, or even sell houses to raise funds.

fifth, the website visit effect is not good.

Fraudulent platforms basically rent overseas servers, mostly in Hong Kong, and most of them are small private platforms. When fraudulent platforms are reported by users, the websites will be blocked, so the access will often be invalid. At this time, the fraud platform will change the domain name and re-run, so the fraud platform generally has more than one domain name.

In addition, fraudulent platforms generally do not provide company landline information, and most of them leave fraudulent phone numbers starting with 4.

VI. Ask investors to develop offline.

In order to rapidly expand the number of people who have been cheated, some fraudulent financial platforms also use pyramid schemes to require investors to go offline. If a platform requires investors to vigorously develop offline and give very high rewards, such as 2% and 3% cash rewards, this is likely to be a liar platform.

7. Do more preferential activities before running.

suddenly engaging in a large number of preferential activities for no reason in a short period of time, which is also the usual trick of scammer platforms.

Because of the huge problems and loopholes in its own operation mode, when the capital chain of the high-yield platform is about to fail, it simply comes to an activity with greater incentives, and then rolls away, leaving the platform website there.

eight, change your vest and continue to lie.

Many high-yield platforms that run away will make a comeback after a period of time. Generally, they will give the platform a new name, but the operation mode is basically the same, that is, the high-yield platform is also used as a gimmick, and the financing target is released, and the financing amount is hundreds of millions.

in recent years, the relevant state departments have repeatedly requested to intensify the crackdown on false financial platforms and clean up and rectify all kinds of illegal financial platforms and trading places. According to relevant survey data, there are currently more than 1, wealth management trading places in China, and more than 3 are suspected of opening illegal futures trading and "securities-like" speculative trading.

how to avoid being cheated? In the face of high-yield platforms, we should not only be able to see through their operation routines, but also start from ourselves and effectively improve our awareness of risk prevention.

1. Less greed and more rationality. Almost all money-related deception is due to people's own greed and desire for money. Be less greedy, don't blindly believe in ridiculous rhetoric such as "pies fall from the sky" and "you can get a big bargain today". Facing the temptation of money, let yourself be quiet and keep asking yourself: "Is this really reliable?" Keep your bottom line and reason. Once the annualized rate exceeds 1%, you should be vigilant and confirm whether the platform is reliable from the aspects of platform background, operation mode and risk control ability.

second, in daily life, relatives and friends are often warned to stay away from ultra-high-yield platforms. In particular, the elderly with low awareness of risk prevention should stay away from the fraud platform with high interest as bait. Once you find that your relatives or friends around you are in a quagmire, you should call the police immediately. Let them realize that they have been cheated, and they should protect their legitimate rights and interests by legal means to avoid involving more innocent people.

Third, if there are idle funds for investment, we should turn our attention to formal and reliable wealth management products, such as bank wealth management, index funds or the popular "innovative deposits" of banks. Although the income is lower, the principal is reliable!

finally, to sum up, the wealth management products with super high income ratio are often all traps set by scammers. Don't believe them!