Is the financial and business class as low as 0 yuan reliable-
"Xiaobai" training camp exploration
With the increasing demand for people to improve financial quotient and increase financial management skills, various financial quotient courses and financial management training courses have begun to increase. Especially with the rapid development of online education, more and more people accept and are accustomed to this convenient learning In this way, online financial and business classes have attracted more attention.
Since the beginning of this year, a reporter from the Economic Daily has found that there are many "popular" low-priced financial and business courses on the market, but there are mixed opinions on this "new thing".
How is the quality of low-cost financial business online courses?
Is the learning effect consistent with the business promotion?
The reporter has personally experienced the courses of 3 major institutions and explored the "doorway" inside——
Do you want to "raise the foundation" in stocks?
Want to make a lot of money?
I teach you!
——Recently, many low-cost financial business training camp advertisements have appeared on the Internet, and some small organizations have even slogans "one trick to learn".
Head training institutions include Weimiao Business School, Changtou Academy, Suntech Institution, etc., and the cumulative number of service trainees has reached millions.
On the one hand, the mortal story of easy financial freedom in the advertisement is accompanied by the upward curve of doubling the income of stocks and funds, which has a strong temptation; on the other hand, the financial business training camp is deceptive and induces the purchase of courses. Complaints are not uncommon.
In all low-cost financial business training camps, the codename of the trainees is "Xiaobai".
What exactly is the low-cost financial business training camp teaching?
As the advertisement says, can teachers achieve financial freedom?
With these questions in mind, a reporter from the Economic Daily paid 12 yuan to sign up for the "Xiaobai" training camp of the Weimiao Business School, and 0 yuan to join the "Xiaobai" training camp of Changtou Academy and Suntech Organization to experience the actual teaching effect.
Good and bad experience in opening classes
The first step after registering for the 3 courses is to add WeChat to join the group.
Although I have been mentally prepared for the courses to be promoted, the management of the long-term investment school in the three courses is rather chaotic.
As soon as the reporter joined the group, he saw someone post a message saying "Please add the teacher's WeChat to receive learning materials", saying that if these teachers are not added to the WeChat account, they will be removed from the group chat.
Like many students, the reporter hurriedly added the WeChat accounts of three of the teachers, but found that they were either selling financial management courses or sending information packages that were completely unrelated to the courses.
When the reporter was wondering, the group leader "Ban Ban" sent out a message of hundreds of words, saying that these people in the group were "liars", and asked the students to identify the "Ban Ban" with long-term cast school in their heads and add them separately. Her WeChat.
From the fact that the "liar" swipes the screen as soon as he enters the group, to the headteacher's methodical treatment, and regroups the group in the evening, it can be inferred that the mixed situation in the group is not accidental.
In this regard, on March 9th, Changtou Academy replied that it had noticed that “some class groups encountered some scammers lurking”, and stated that it currently mainly uses in-group reminders and secondary group additions to kick the scammers out of the group and hacking. List processing and other methods to resolve.
In addition, the platform is testing other methods, and new solutions are expected to be launched soon.
The opening process of the Weimiao and Suntech courses is relatively standardized, because the reporter added the class teacher WeChat after registration, not the WeChat group.
About half an hour after adding a friend, the "Jun Yang" teacher of Micro Miao Business School sent an edited text to remind the class time and information acquisition and other matters, and said that the head teacher would join the group before the class started.
At Suntech, a "Teacher Jinbei" used the company WeChat to instantly apply by adding friends, and automatically sent instructions and other information to class.
The reporter noticed that among the three organizations, Wei Miao made pictures to remind students to turn off the functions of adding friends through WeChat account and group chat.
Considering the later appearance of "liars" in the Changtou and Suntech groups, Wei Miao's reminder is very necessary.
The teaching content focuses on the basics
The reporter signed up for three courses at the same time on February 24. Suntech arranged for the start of the course on February 26, the start of Longtou’s course on February 27, and the start of Weimiao’s course on March 2.
The 3 institutions advertised classes ranging from 7 days to 14 days.
From the perspective of teaching methods, Suntech uses live teaching, and each course lasts 2 hours to 3 hours; Weimiao mainly sends WeChat text, and also has WeChat graphics and video content edited in advance; Longtou does not have a teacher, and the course is advanced The recorded audio is mainly pushed with WeChat graphics and text, and the "class teachers" are responsible for detailed knowledge and interactive Q&A.
As far as the reporter's personal experience is concerned, Suntech's teaching method is more intuitive, but it takes longer.
The teaching methods of Weimiao and Changtou make it easy for students to use the fragmented time to climb the stairs to learn.
From the perspective of the content of the professors, the three institutions are similar. Firstly, they emphasize the importance of financial management and compound interest; then introduce what national debt is, how to operate the reverse repurchase of national debt, etc.; also introduce REITs (real estate trust investment funds), new shares, and convertible bonds. New, how to screen stocks and other content.
The content of Wei Miao's course is relatively richer, and it will also explain how to understand corporate financial reports and how to use the "powerful corporate circle model" to analyze corporate knowledge.
In addition, Wei Miao comes with a separate anti-fraud class, explaining 10 easy financial traps.
In the course of teaching, in addition to the easy-to-understand introduction of basic knowledge, each school will also teach some tips, such as recommending financial websites such as Flush to students when explaining stock selection, and introducing some small methods for selecting stocks and funds.
"I feel like I have taught the most basic knowledge." Suntech student Mr. Cui is a middle-level manager in the institutional business department of a securities company. He signed up for the "Xiaobai" training camp out of curiosity. He concluded, "It cannot be said that it is completely useless. , But it certainly cannot guide investment."
Regardless of common sense, many students didn't know it before.
During the lecture, many students said that they did not know what “breaking” is, did not understand the difference between fund type A and type C, and did not understand why Alipay had money and couldn't make new shares.
During the lecture, the reporter found that some teachers would use special cases to attract students during the lecture.
For example, when a teacher from Suntech Institution talked about stocks, for example, someone made 4.2 billion yuan in stocks with 5,000 yuan; a student made more than 120,000 yuan in a month when he used 10,000 yuan to buy new stocks for the first time.
Even if this information is true, it has contingency and individual differences, and it might be inappropriate to use it to attract financial management "xiaobai".
Because of the spoken language and immediacy of the live broadcast, the teachers of the Suntech Institution have repeatedly mentioned that "the operation according to the teacher's instructions will definitely be able to make money safely and steadily."
During the learning process, reporters discovered that there were differences in teaching the same content in different institutions, and the accuracy was doubtful.
For example, when talking about convertible bonds, Changtou Academy "Jianjiang" introduced that the break rate of convertible bonds in the past two years was 4.91%, and the maximum profit of a convertible bond was 500 yuan.
Suntech’s teacher said that the break rate of convertible bonds has fallen sharply to 0.57% in recent years, with a maximum profit of 669.62%.
Lecturer qualifications need to be standardized
What kind of background qualifications do the teachers who teach investment and financial management in the course have?
The reporter consulted several agencies on this issue.
Suntech has two lecturers in this issue. The introduction to the main lecturer An Jing is: more than 6 years of financial management experience, with an average annualized income of 15%, and a woman who achieves financial freedom through financial management.
Another teacher, He Qi, claimed to be a host of financial programs, with 7 years of investment experience and an annualized return of 27%.
Since Mr. Shang De only appeared in the live broadcast room and could not be directly contacted, the reporter's message asking him about his major and working background did not receive an answer, nor did he get an answer from the teacher, Jin Bei, the head teacher.
Changtou Academy does not have a teacher, only the group leader "Banban" and a few senior sisters.
The "Banban" named "Jianjiang" told reporters that she graduated from Nanjing Forestry University with a major in wood science and engineering. After graduation, she has been engaged in the furniture design industry and has never worked in a financial institution.
In the group, she told the students that her annualized rate of return on financial management is 35%.
Weimiao’s teacher Junyang told reporters that he graduated from the School of Economics and Management of Shenyang Ligong University, majoring in business administration and finance, and once worked in Internet finance companies.
He did not mention his rate of return.
The reporter also asked three organizations about the qualifications of teachers.
Longtou Academy stated that the "classes" are only "teaching assistants" and do not require a financial professional background, but they need to be trained and assessed before taking up their posts.
Wei Miao said that the teachers are all financial and economics majors with bachelor's degree or above, graduated more than 3 years or hold relevant practising certificates, and need to receive internal training before they can start their posts.
As of press time, Suntech did not reply.
What are the requirements for becoming a teacher of a financial business training institution?
The reporter searched Lagou.com, an Internet recruitment hub.
Lagou Online Long Investment School has 5 pages of recruitment requirements, and there is only one position of course editor (financial management/finance) related to financial education.
The content of the job is to develop financial and business courses, with a bachelor degree or above, but there is no requirement for majors. It only proposes "have a certain understanding of financial investment, like reading, familiar with social science/economic management books, and have the ability to learn new things quickly."
Suntech recruits a large number of community operations, and the 13-page recruitment content related to financial and business education is a lecturer in the insurance live room.
The job responsibilities are described as "live teaching on the company's platform, maintaining the popularity of the live broadcast room, and achieving the conversion of higher-level insurance courses."
In terms of job requirements, only "undergraduate degree or above, insurance-related majors are preferred."
There is only one page of micro-miao financial and business recruitment information, with a total of 8 recruitment needs, mainly for technology development positions, and only one position related to financial and business education is a financial report analysis lecturer.
His job responsibilities are "responsible for analyzing financial statements, and teaching students to understand financial statements; responsible for answering questions after class, improving student satisfaction and course completion rate".
The job requirements clearly stated that "bachelor degree or above, major in finance/accounting; experience in the accounting and financial industry".
Fang Ji, a long-term investment student who is engaged in legal affairs in Dongguan, Guangdong, told reporters that he does not care about the teacher's qualifications, but only cares about whether the content of the teacher is consistent with his own financial knowledge, so as to judge whether the teacher is trustworthy.
Ms. Xie, a student of Weimiao who works in Poly Group, told reporters that she personally cares more about whether the teacher has practical experience.
Can the trainees’ indifference be a reason for the training organization to lower the threshold for teachers?
Can teachers who teach financial knowledge and investment and financial management skills replace professional qualifications with rate of return?
As a professional, Mr. Cui believes that he cannot, "I don't trust the promotion of teachers, because any investment behavior and practice organization must have relevant qualifications."
Inducing sales is worthy of attention
Because I saw a lot of consumer complaints in advance, reporters were also worried about whether they would encounter various "recommendations" in the process of participating.
Until the last teacher’s closing message was received on March 16, the teachers of the three institutions did not recommend any stocks or funds, and did not step on the bottom line of recommending stocks for financial management and inducing installment. They only promoted regular-priced courses.
In addition to the "Xiaobai" training camp that popularizes common sense, all three institutions have regular courses.
The long-term investment course is the lowest at 1998 yuan, while the micro-miao course is the most expensive at 6,998 yuan. The actual price of Suntech is between the two at 2,580 yuan.
Some courses take 10 weeks, while others count as 26 class hours.
The course mainly focuses on teaching funds, stocks, REITs, etc.
According to Wei Miao, some courses have been jointly developed with the Central University of Finance and Economics and have been upgraded to the third edition.
Changtou Academy will cooperate with Shanghai University of Finance and Economics in 2020 to jointly develop courses.
After experiencing the entire course, the reporter felt that for training institutions, the main purpose of the "Xiaobai" training camp was to divert regular courses.
Starting from the third class, the teachers of Suntech Institute put most of their energy on the promotion of regular-priced courses. They talked about the most critical points, such as Beidou stock selection method, cigarette butt method, fund timing strategy and other dry goods, all need to be bought. Only regular courses can be learned.
For the 2 hours of live class, most of the time is on sale.
Long-term Investment College and Weimiao College also have regular courses, and the "class teacher" will try their best to recommend them, and there are many students who actively ask.
In all online education and training institutions, the renewal rate is the core indicator. After all, experience courses are losing money. Only by continuously selling regular courses can the company operate normally.
Judging from the feedback in the group, some students are willing to learn more.
Ms. Xie signed up for Wei Miao's regular-price class. She felt that the course systematically taught methodology. In contrast, the "Xiaobai" training camp is mainly to train students to develop financial thinking.
However, for students who do not want to buy courses, the teacher repeatedly promotes the courses and brings them troubles, especially during the video teaching. Some students can't help but ask: "I can't teach anymore. If I don't teach, I will sleep. "
However, in the process of promoting regular price courses, the reporter believes that some methods of operation are worthy of vigilance.
In the live broadcast by Suntech, the teacher emphasized that the original price of offline courses was 79,000 yuan, and the company launched an online course with consistent content in order to assume social responsibility, and the price dropped to 6,380 yuan.
Coupled with a 50% discount voucher limited to 1000 copies, students who have taken the exam will have a scholarship of 610 yuan, and the final discounted price is 2580 yuan.
The reporter did not take the exam and also enjoyed a preferential price.
Judging from the feedback from the group, the trainees basically grabbed the discounted quota.
"This is a gimmick." Wang Jiajia, a student from Suntech who is engaged in the education and training industry, said, "The sales technique is called'urgency', I won't believe it."
Mr. Cui believes that, in contrast, a more serious problem is to use the yield to advertise to induce stock accounts to open.
The reporter learned that on the first day of the course, Mr. Jinbei from Suntech asked the students: "You invest 100 yuan a month, which is 1,200 yuan a year, and the annualized return is 20%. After 30 years of investment, I know how much it will be. Money?" The answer is 2.33 million yuan.
Was it a pleasant surprise?
Many students showed strong interest and asked the teacher how to do it.
The teacher took advantage of the trend to recommend Huatai Securities' free account opening service many times, and the transaction fee is as low as 1.3 per ten thousand.
In addition, there will be "practical exercises" in the subsequent regular courses, and the teacher has repeatedly stated that they will take everyone to "practical exercises".
Compared with the rate of about 3/10,000 in the market, this commission is still very attractive.
But the question is, what financial management skills do "xiaobai" masters in order to guarantee an annualized return of 20% for 30 years?
Longtou and Weimiao also have similar services. Students will be reminded to apply for VIP account opening rewards after completing their homework. The commission can be reduced to 1.3 parts per million and 1.6 parts per million.
The difference is that the teachers of these two companies will not recommend repeatedly, and the long-term vote "Jangjiang" has only sent a private message to remind you to open an account.
Weimiao’s teacher also reminded that students don’t have to open an account through Weimiao, they can open an account on a large brokerage platform of their choice, and they emphasize that they don’t know how to invest.
The teacher's advice is necessary.
Risk awareness is as important as financial awareness, and both should be the core content of the "Xiaobai" training camp.
Don't think of it as a financial management "xiaobai", students are not so easy to be fooled.
"I didn't buy a class or open an account. The 5,000 yuan speculation is 4.2 billion yuan is the title party." Wang Jiajia said.
Fangji thinks that the compound interest rate of return mentioned by the teacher is too ideal, and he does not intend to follow the teacher's "practice".