Comprehensive measures are needed to control the chaos of the Internet "financial management class"

  Yu Yong

  "One-dollar financial management lessons, investment novices can also learn" "As long as nine dollars and nine, investment in big V will take you to fly"... Open social software and short video platforms, all kinds of online "financial management" advertisements are overwhelming, even Many financial practitioners continue to receive relevant pushes.

  However, when people enter the course group, they will find that many of them are doing fraud under the name of "financial management class".

Some organizations first induce low prices in sales courses, but the courses have no substance.

One or two days before the end of the course, the instructor began to sell courses on how to buy stocks and funds, with prices ranging from a few hundred to several thousand yuan.

After purchasing, many students found that the new class had not started at all, and the group of courses had been disbanded, and they had no choice but to admit that they were unlucky.

Some scammers even use the slogans of "anti-pyramid marketing and counterfeiting" and "teaching dry goods for financial management", while under the guise of "financial science popularization", they carry out fraudulent activities by pulling people online.

  In the face of "financial management classes" wearing all kinds of vests, regulatory agencies, platform companies, and financial institutions need to work together to curb this type of fraud.

  Local banking and insurance regulatory authorities have issued consumer reminders on similar financial fraud activities, but the content of the reminders sometimes fails to keep up with the speed of some "financial management lessons".

Therefore, while normalizing supervision, supervisory agencies can guide banks and third-party payment institutions to strengthen the monitoring of payment and other fund flows and suspicious payees. Once risks are found, they can prompt customers to minimize customer losses.

  Beginning in 2016, the network information department has issued the "Regulations on the Administration of Internet Live Broadcasting Services", which clarified that Internet live broadcast service providers have the obligations of certification and review.

On January 22, the newly revised "Regulations on the Management of Internet User Public Account Information Services" was released, regulating various account subjects.

In this regard, each platform must perform related responsibilities in accordance with regulations.

  Platform companies should strengthen content review, but from the perspective of actual operations, some platforms are still lax in publishing and reviewing wealth management content.

Regardless of individuals or organizations, as long as they pass registration, post-posting is basically a green light.

In addition, most of the existing online "financial management classes" will borrow social platforms to divert or attract followers, and it is difficult to identify whether the publisher has fraudulent behavior.

Therefore, the next step should be to strengthen the platform's release review management of financial content.

  In addition, investors also need to strengthen the learning of investment knowledge and enhance the ability to identify whether there are risks in the online "financial management class". At present, banks, securities firms, insurance companies and other financial institutions have used their own platforms for investor education, but in the final analysis, these platforms can only be regarded as "part-time" for investor education, and many platforms are also mixed with marketing tasks. To be a mature investor, on the one hand, you should keep your eyes open and increase your awareness of various investment routines; on the other hand, you must establish a correct investment concept, and don’t always think about "making quick money" and do not know how to do it for a long time. Investment concepts such as investment and value investment should be adhered to for a long time, and the unity of knowledge and action should be achieved.