投资平台审查时,要记住“四个不要”:
1、 Do not accept contracts where verbal and written agreements are inconsistent.
​For the expected returns of financial products promised verbally by marketing personnel and the reasons for recommendations made verbally, attention should be paid to reviewing whether they are consistent with the written agreement in the contract text. If there are inconsistencies, be cautious in your selection, have reasonable doubts, and try not to invest.
2、 Don't explain the profit model if you don't understand it.
​类比于股市投资的“红圈”原理,小伙伴对于自己不熟悉不了解的投资领域、投资项目,尽量不投资。对于理财产品的盈利模式除了营销人员的介绍外无从考证,或者其盈利模式存在“接力棒”的“庞式騙局”或者拉人头返利等嫌疑的,尽量不投资。
3、 Friends and family promoting and forming cliques are not recommended.
​The public has a common herd mentality, which is triggered by the joint investment behavior of relatives and friends, believing that "even if others invest in me, there will be no problem.". It is recommended that partners invest cautiously, take risks themselves, carefully discern, and avoid blindly following the crowd.
4、 Do not cashback on Xiao'en and Xiaohui's tourism.
​很多投资公司都是通过赠送礼品、组织旅游等方式吸引投资者购买理财产品,还有通过对投资人宣讲其投资后可以通过不同形式的返利模式取得收益的方式吸引投资,这些方式不仅使得投资人丧失理性判断理财产品真实性的判断能力,更有可能拉拢其陷入传销行为,应格外慎重。