The reason why the elderly choose finance people here also have more than one bottle of oil – Sohu f-xhero

The reason why the elderly choose financial management: "people here also more than a bottle of oil" – Sohu financial management in the eyes of the aunt, the importance of a bottle of oil may be much greater than the safety of the platform. Moreover, these salesmen sell P2P financial products revenue, straight to 20%. This article turns from WeChat public number: financial 360, a salesman with 10 million annual sales, has introduced her secret recipe for success: if you want to sell your financial products, your best item is a bottle of oil. When the bank financing and P2P financial income equivalent, for aunt uncle, may not hesitate to choose P2P. The reason is simple: "there’s another bottle of oil here."!" Perhaps, in the eyes of the aunt, the importance of a bottle of oil may be much greater than the safety of the platform. Moreover, these salesmen sell P2P financial products, a lot of revenue straight to 20% (annualized income), far from the bank financial products behind. And these salesmen can use more than one bottle of oil for their products. In addition to the real reward quite attractive, there are serious and meticulous investigation, the "family" one-stop service, to serve the good uncle aunt. Such a multi pronged, for the relatively closed information, the ability to judge the weakening of the elderly group, it is difficult to refuse, and once the security of the platform problems and even run away, is facing the loss of the principal and then difficult to recover the consequences. This is not alarmist, according to the 360 net loan rating group analysis: in 2015, the net loan industry scale trillion, covering millions of people. A large number of problems are also exposed, the annual number of platform problems nearly 900, more than the sum of the number of platforms in the past. Because of the gaps in the industry supervision, running on foot, with a rented treasure, big group and other large platform checked, but also magnified the risk of the industry. In 2015, the platform involved more than 50 billion yuan, covering more than 1 million of investors, that is, the per capita loss of more than 50 thousand. In fact, you enter Baidu on the "old man cheated", you can find about 465 thousand articles; and direct input "cheated", found about 585 thousand articles. The old man cheated accounted for all the news 79.5% days before being cheated, got a raise a Babel of criticism of it is reported that the rent treasure event, said 9 user is uncle aunt. Hongkong experts have studied and analyzed data from 38 countries around the world, and found that the older they are, the more likely they are to believe in others, and the older they are, the more likely they are to trust strangers. Why is that? Neuroscience studies have shown that with aging, aging, not sensitive to a variety of suspicious clues, it is easy to misjudge as trustworthy, approachable, and thus lead to deception. In addition, American psychologist analysis, with the increase of age, body function decline, therefore, to deal with the inconvenience brought to life on the dignity of life, the old man had to seek help from others, so more than young people are more likely to adopt a positive evaluation of others, more likely to trust others. Therefore, parents should be deceived, not blindly accused of "old people love petty gains", Chinese biography.

老人选理财的理由:“人家这边还多了一瓶油”-搜狐理财  在大妈们眼中,一瓶油的重要性可能远远大于平台的安全性。何况这些业务员兜售的P2P理财产品收益不少直奔20%。   本文转自微信公众号:融360理财   一位年销售额千万级的业务员曾这样介绍她成功秘方:如果你要把你的理财产品销售出去,你最好的道具就是一瓶油。当银行理财和P2P理财收益相当的情况下,对于大妈大爷来说可能会毫不犹豫地选择P2P。   理由很简单:“人家这边还多了一瓶油呢!”   可能,在大妈们眼中,一瓶油的重要性可能远远大于平台的安全性。何况这些业务员兜售的P2P理财产品收益不少直奔20%(年化收益),远远把银行理财产品甩在后头。而且这些业务员推广产品的手段可绝不止一瓶油这么简单。除了相当诱人的实物奖励外,还有煞有介事的实地考察,还有无微不至的“亲情”服务一条龙,把大爷大妈伺候得好好的。   如此多管齐下,对于信息相对闭塞、判断能力减弱的老年群体来说,是很难拒绝的,而一旦平台的安全性出现问题甚至跑路,面对的就是本金全失并且再难再追回的后果。   这绝非危言耸听,据融360网贷评级课题组数分析:2015年,网贷行业交易规模上万亿,覆盖人群数百万。大量问题也同样暴露,全年问题平台数将近900家,超过过往问题平台数的总和。因为行业监管的空白,跑路不断,随着某租宝、大大集团等大型平台被查,也放大了行业的风险。2015年问题平台涉及金额超过500亿元,波及到的投资人超100万,也就是说人均损失超过5万。   实际上,你在百度上输入“老人被骗”,可以找到约46.5万篇;而直接输入“被骗“,找到约58.5万篇。老人被骗占到全部被骗新闻的79.5%,日前闹得沸沸扬扬的某租宝事件,就有报道表示9成用户是大爷大妈。   香港专家研究分析了全世界价值观调查组织有关38个国家的资料发现,年纪越大,越容易相信他人,而且年龄越大,越容易相信陌生人。为什么会这样?神经科学上的研究证实,随着年龄增长神经老化,对种种可疑线索不敏感,容易误判为是可信任、可亲近的,进而导致上当受骗。   此外,美国心理学家分析认为,随着年龄增加身体机能衰退,为应对因此带来的生活上的种种不便、安度晚年生活,老人不得不向他人寻求帮助,因此比年轻人更倾向于对他人采取正面评价,更容易信任他人。   所以,父母上当受骗,切莫一味指责“老人家就爱贪小便宜”,中国传统家庭父母一辈辛苦大半生帮孩子解决问题后,还要面对自己的养老问题,有报告表示:1 3的养老储备仅能继续维持10年的退休生活,加上通货膨胀,养老金的保值增值成了每一个普通老人的必修课,有如此强烈的动机,在面对P2P类高收益产品时,他们是很难拒绝的。   不仅是老人,即便是一般投资人,也很难在万花筒式的宣传中看清平台本身的安全性,现在复杂的投资环境,对于投资人来说,已然不是以前闭着眼睛等钱生钱那么容易了。   那到底怎样投资才能避雷,这里有四个小参考:   一、背景实力要参考,面子里子都要看。   选P2P平台如同谈恋爱,第一印象很重要。虽然不能全看“脸”,但那些国资系、上市系、风投系、银行系的平台肯定有优势。而那些实现了资金银行存管、信息披露透明的平台就更靠谱。   二、投资分散要适度,高息平台要注意。   投资P2P需要保持适度分散,可以选择几个平台,或者几种投资期限的产品。对于高收益率的平台,特别是号称年化收益20%甚至更多的,尤其要保持警惕,冷静分析。   三、养成投资好习惯,细节问题别粗心。   投资过程中,要有意识的将充值支付证据、与平台工作人员的交流证据等截图保存,电子合同也要打印下来保存。平常多关注平台动态,比如公告信息、活动信息、投资人曝光等,时刻关注有无异动,切不可做甩手掌柜。   四、多看第三方评测,货比三家最可靠。   对于我们做子女的来说,财务的损失固然让人心痛,更需要担心的是父母受到的影响,她们可能因为损失掉血汗钱憔悴心碎,可能害怕你们责骂而选择不说暗自垂泪,可能心生歉疚并且一直怀着这样的歉疚无法释怀……   其实,当骗子针对父母花样迭出趁虚而入的时候,不是一味地责难父母愚蠢,而应该想到,在他们日益脆弱无助时,我们在哪?   往年,我们可能都是一年难回去一次,还是一味买些价值不菲的礼物塞些钱“任务式”尽孝,这次也许给她们讲讲防骗知识,甚至帮他们看管养老钱,这样的意义也许要大得多。相关的主题文章: