Is it a wealth freedom classroom or an investment trap?

　　In October of this year, Chongqing white-collar Zhou Lingling, who has always wanted to change jobs, posted a short video on a short video platform. The slogan "start your own business and be your boss, an annual salary of one million is not a dream" in the video made her heart-stirring.

　　Entering the live broadcast room, Xiao Zhou found that there were many seemingly powerful "wealth trainers", as well as many entrepreneurial and investment projects.

Buying an XX card can get the agency rights of these projects and realize "low risk and easy entrepreneurship". Xiao Zhou is determined to try it.

As a result, she was fooled again and again, and she invested more than 100,000 yuan, all of which were bludgeoned...

　　Like Xiao Zhou, many financial "xiaobai" want to avoid "paying tuition" in the market through learning, but in the financial investment training class, they become "leeks" under the financial harvester.

Financial "Little White" ignites the financial and business education track

　　In recent years, under the catalysis of mobile Internet technology, the ever-increasing income levels of residents and increasingly diversified financial products and services have collided with huge investment and wealth management needs.

　　According to the "2019 China Private Wealth Report" jointly issued by China Merchants Bank and Bain Consulting, in 2019, personal investable assets in China's private wealth market reached 200 trillion yuan.

More and more people realize the importance of financial business and financial management, hoping to share the social development dividends through financial management, obtain asset preservation and appreciation, expand the source of disposable wealth, and achieve personal wealth growth.

　　When there is demand, there is market.

In recent years, wealth management products in the financial market have continued to introduce new ideas and new concepts and terms have dazzled people.

A large number of "xiaobai" lacking investment knowledge and experience entered the financial market, and a number of financial and business education enterprises emerged.

　　"9 yuan, value-for-money finance and business courses, more than 80% of people in 3 years"...On various Internet platforms, low-threshold, short-period, high-yield wealth course advertisements began to appear more and more.

　　A wave of institutions first received market dividends. At the beginning of this year, the number of paying users of online financial education institutions increased sharply, and revenue rose rapidly. Some companies even added paying students in one month to the scale of the previous half of the year.

Some forecasts believe that the future direction of financial education, the capital market may give birth to listed companies with a market value of tens of billions.

How much help can the financial "xiaobai" bring?

　　However, compared with the inclusion of financial education in the national basic education system in many countries in the world, the current investor education in my country can only be regarded as just starting.

　　According to the data from the "2019 Consumer Financial Literacy Survey Report", the proportion of consumers who think their financial knowledge level is "average", "not very good" and "not good at all" are 40.69%, 14.08% and 6.01%, respectively. Have not mastered professional financial management skills and knowledge methods.

　　So, before the financial “noobs” enter the market, how much help can financial management classrooms bring them?

The reporter's investigation found that currently, financial and business training courses on the market are mainly divided into two types: one is financial and business courses developed by various educational institutions to improve their own curriculum system; the other is financial industry training courses. A financial business course for sales staff to sell financial products.

For the latter, the course has been targeted from the beginning of development-selling products.

　　The reporter found that in the entry-level financial investment class, the students' foundation is generally weak, the goals are not clear, and the learning is not systematic.

Most financial and business education institutions regard these "xiaobai" students as harvest objects, and first attract users with a "xiaobai financial management" course of 0 yuan to more than a dozen yuan, and the teaching content is mostly low-risk investment and financial management projects. After trust, the essence of the "scythe" is revealed, brainwashing to promote expensive advanced courses, and some will introduce students to financial products that are obviously incompatible with their risk tolerance.

How to make the financial "xiaobai" no longer cut "leeks"

　　The reporter learned that in the market, many organizations use training to promote high-yield financial management courses and products.

Although many complaints have been raised, there are not many supervisions and penalties.

Insiders said that financial education has not yet formed an entry threshold and a teacher certification system, and there is no basis for judging whether the courses are value for money, which brings difficulties to supervision.

　　"At present, many financial education and financial management classrooms are for a certain institution or a certain product of its own company. The industry is chaotic, and we are really painful." Wang Junzhi, a financial expert in slow money education and financial education, told reporters.

　　Wang Junzhi believes that for educational institutions, financial education cannot put profit first, but put the benefit of customers and risk control in the first place.

For the trainees, financial investment needs to be friends with time. Investors who lack investment experience want to "quickly" and "make quick money", they will often pay a painful price.

　　Mo Yuanming, a researcher at the Chengdu-Chongqing Double-city Economic Circle Cooperative Development Center of Chongqing Technology and Business University, believes that the current proliferation of financial and business education courses can be described as a mixture of fish and dragons, and weaves an illusory dream of wealth.

Some wealth free classrooms charge high training fees and cut "leeks" in disguise. The relevant departments should strengthen the supervision of the financial and business education curriculum and training market.

　　Li Guo