You can buy bank equity on Xianyu, do you dare to buy it?

Expert advice: It’s impossible to lose pie in the sky, investors must keep their eyes open

  In the past two days, a reporter from the Yangtze Evening News found that on the second-hand trading platform "Xianyu", many natural-person shareholders peddled bank equity and used the words "stable dividend distribution" and "good choice for investment and financial management" to attract people to place orders. Do you dare to buy ?

  real or fake?

Bank stocks are pegged to idle fish

  A reporter from the Yangtze Evening News browsed the Xianyu platform and found that the bank shares sold on it were mostly rural commercial banks and rural credit cooperatives, including Yiwu Rural Commercial Bank, Putian Rural Commercial Bank, Jinan Rural Commercial Bank, and Shaanxi Xinhe Qishan Association.

  "Binzhou Rural Commercial Bank sold 130,000 shares, 1.6 yuan per share, and a two-year dividend. If you are interested, click'I want' and chat with me privately." "Fujian Putian Rural Commercial Bank shares (natural person shares 3964) The stocks with stock certificates) are sold for 50,000 yuan..." Judging from the above transaction information, the number of these stocks being traded ranges from a few thousand to hundreds of thousands of shares.

A seller said that the transfer procedures are all inclusive, and the product page also lists the operations and dividends of the relevant banks in previous years.

  In order to attract investors, some sellers have thrown out a "listing plan."

For example, the seller who sold the equity of Weifang Rural Commercial Bank said, "It is expected to be listed within three years, and you will earn it if you grab it!" And attached a news page to the transaction page, entitled "The Municipal Financial Supervision Bureau went to Weifang Bank, Weifang Rural Commercial Bank investigates the listing of companies."

  So, what are the procedures for buying bank equity?

Some sellers marked "face-to-face transactions, only support self-collection", and some sellers introduced "direct to the bank to transfer account", and more are "intentional private chat."

Regarding the qualifications of buyers, some sellers revealed: "Credit will be checked, as long as they are not illegal."

  Expert advice: don't buy if you don't have the information

  Is it reliable to become a shareholder of a bank through a second-hand trading platform?

With this question in mind, a reporter from the Yangtze Evening News consulted Xu Yinbin, a senior investment consultant at Nanjing Securities. Xu Yinbin believes that it is impossible to lose a pie in the sky.

There are certain risks for bank shareholders to sell bank equity on the Internet platform.

Equity is a virtual commodity after all. Although shareholders may upload stock certificates photos and other documents to prove their identity, the authenticity is still difficult to confirm.

In this regard, investors must keep their eyes open.

  "Bank equity is not something that can be bought or sold." Xu Yinbin told a reporter from the Yangtze Evening News.

On the one hand, it is difficult to confirm the qualifications of the holders, such as whether the holders have the qualifications to sell equity and whether the equity is pledged. Such information is difficult to understand.

On the other hand, although it is more convenient for a bank company to go public under the registration system, it also has a threshold to become a listed company. Therefore, it is necessary to understand the bank company when buying and selling equity. There is no possibility of listing.

  A senior shareholder in Nanjing, Mr. Zhou, told reporters that generally speaking, shareholders sell shares of a company for various reasons. Some shareholders may have personal financial constraints and demand for short-term financing. Some shareholders are not optimistic about the company's development prospects and sell their shares.

"In short, wrong buying is more than wrong selling." Xu Yinbin also said that to participate in such transactions, the buyer must purchase and sell in accordance with the law to avoid potential losses and disputes; second, it is necessary to obtain as much information as possible in advance, such as assets and liabilities, main operating income, Net profit, disposition of non-performing assets, operating standardization, etc., to fully evaluate risks and returns.

Otherwise, it is best not to waste your hard-earned money.

(The stock market is risky, investment needs to be cautious)

  Yangtze Evening News/Ziniu News reporter Fan Xiaolin