Beware!
Internet financial management class may become "robbing class"
News from this newspaper (Reporter Liu Bing) "Limited time is 0 yuan, dry goods are full, sign up immediately, bid farewell to dead wages, and realize financial freedom." "Super popular financial management projects, easy to earn 3,000 yuan a day." The reporter recently interviewed and found that something like this Advertising slogans are not uncommon on the Internet and short video platforms.
The reporter learned that many consumers have stepped into the trap of financial management due to the propaganda of credulous businesses. Not only did they fail to learn financial management knowledge and skills, but they also suffered economic losses.
Xiao Zheng, who lives in Haidian District, Beijing, is a programmer and has little knowledge of financial management before.
In November last year, Xiao Zheng saw a recommendation for a financial management course on a short video platform, saying that he could quickly master financial management knowledge for only 10 yuan.
"I watched the video and liked a lot of people, 10 yuan is enough, so I signed up with the attitude of giving it a try. A few days after signing up, the staff told me that I would have to pay nearly 3,000 yuan in class fees. After I entered the training camp group, I could teach me step by step. But when I paid the money, the staff told me that the group was full that day, and pulled me in every few days. But after that, I didn’t care about others, and later I was blacked out." Xiao Zheng said.
Ms. Xia was also cheated by the "financial management class".
"At the beginning, I said 0 yuan to learn, but after a few lessons, the teacher began to sell the lessons. They said that money is not for money management, but money is for money management. Finally, under their'fudge', I bought a fund of 2,880 yuan. course."
Regarding the content of the course, Ms. Xia told reporters: "It is the teacher who instructs you on how to buy funds. First, I will talk about the day's market in general, and then tell us which funds can be bought and which funds cannot be bought. There is no real content at all. Anyway. I didn't dare to buy it, and wanted to withdraw after two days of listening, but they found various reasons not to refund."
The reporter found on the Sina Black Cat complaint platform that many consumers reported that some financial training institutions, "business schools", etc. existed under the banner of free to attract users but charged high fees in the middle, fake teacher qualifications, and things taught in class online. It can be found, the customer service cannot be contacted, and the group is disbanded before the course starts.
Attorney Xiong Chao of Beijing Jingshi Law Firm told reporters that it is very difficult for consumers to defend their rights when it comes to such "financial management" disputes.
The course approval of some companies involves multiple departments, and there is no clear statement about whether the specific course content can be online.
Some irregular private institutions or classes run by individuals have not even been filed or approved by relevant departments.
According to Professor Pang Jinyou of China University of Political Science and Law, industry supervision and guidance are particularly important for the problems existing in the "financial management class", and it is urgent to introduce market regulations to protect the legitimate rights and interests of consumers.
Some people in the industry pointed out that at present, user misunderstandings are also a major pain point in the field of financial education. Many users think that through "financial management lessons" they can help them quickly obtain wealth, but in fact, financial education is to help consumers establish correct financial management concepts. , It is a gradual process to improve the ability of asset management.
For users, it is necessary to establish a correct investment concept and not always think about "making quick money".