CCTV exposes financial management scam!
1 yuan to learn financial management, was deceived nearly 10,000 yuan!
The reporter visited on the spot, and the training company had already gone to the building...
Many investors without professional background or investment experience hope to improve their investment and earning ability by learning financial knowledge.
The reporter has recently discovered that a large number of online teaching course advertisements called "financial management class" and "financial business class" are flooding the Internet, and there are many tempting slogans such as "get rid of poor people's thinking" and "one yuan to learn financial management".
So, are these financial management courses reliable?
Went into the small white camp of financial management and was defrauded of nearly 10,000 yuan of financial management
In December last year, Ms. Zhang in Beijing saw an advertisement that she could join the "Wealth Management Little White Camp" for only one dollar and learn financial management courses online.
Attracted by the article, plus a dollar is not too much, Ms. Zhang did not hesitate too much, quickly paid, and entered this financial knowledge learning course called "Ten Times School".
Ms. Zhang found that, unlike other online teaching, every student who enters the "financial management small white camp" must fill in personal information, including disposable monthly income, debt status, and three important wealth goals.
Through online courses, Ms. Zhang began to learn about financial management knowledge such as stocks and funds.
The teacher told her, "No matter what your current financial situation is, this will be the most valuable lesson in your life regarding financial management and increasing income."
Pre-class preparation, class sign-in, and after-class supervision made Ms. Zhang more and more confident.
When the 12-day "Finance Management Little White Camp" was about to end, the teacher began to recommend advanced courses to some students, encouraging everyone to become gold card members.
Ms. Zhang, a student of Ten Times Academy's online financial management course, promises that his class is permanent and lifelong.
There are also five big coffees with assets of more than 100 million, giving you live broadcast twice a week. I was thinking at the time, "Little White Camp" is so good, and the golden card class is definitely better.
According to the "teacher", if you take 14 days of advanced courses, you can earn income, and the annualized rate of return can be greater than 15%.
With this expectation, many students spent nearly 8,000 yuan to become gold card members.
But they soon discovered that it was not the case at all.
Out of disappointment, many students offered refunds, but they have been rejected for various reasons and even blocked.
At present, there are only five complaint groups against "Ten Times Academy" that the reporter has learned about, and each group has more than 400 people.
Ms. Zhang, a student of Ten Times Academy's online financial management course: I spent 7,999 yuan. The main thing I asked for was an invoice. Then he left his job, and he said that this is not in his control.
Ms. Zhu, a student of Tenfold Academy's online financial management course: I spent 8888 yuan, and now I don't reply to anything.
The registered place is empty
Most employees of "Ten Times Academy" resigned
It can be seen that those "financial management training companies" used low prices and so-called high-quality services to attract trainees to spend high prices to become gold card members, but the subsequent courses were disappointing.
Then, what happened to this "Ten Times Academy" financial management training company. With questions, CCTV financial reporters also found this company.
In the registered company of "Ten Times School" and the office of Beijing Weichuang Enterprise Management Co., Ltd., the reporter saw the words "Ten Times School" written on the door.
On working days, when you walk into this office area, you can find that more than 100 workstations are empty. Only in the next area, there are four or five technicians from this company staying here.
They told reporters that when the company has the largest number of people, three quarters of this area will be full.
Staff of Ten Times Academy's online financial management course: We are not at work either, we are here to ask for a salary.
Reporter: What about the rest of the company?
Staff of Ten Times Academy's online financial management course: all resigned.
Reporter: Can I look at the backstage, can I still see it?
Staff of Ten Times Academy's online financial management course: The course backstage has been closed.
The reporter saw that the plants here had wilted and the ground was full of rubbish. There were various signs that the company had gone to empty buildings.
During the interview, the reporter happened to come across a real estate agency with a new client to inspect the house.
The intermediary said that just a few days ago, the company's rental contract expired.
Reporter: When can I start renting?
A staff member of a real estate agency in Beijing: I called a few days ago and the landlord said that this side was vacant.
According to a report found on the spot by the reporter, the online financial management course of "ShiBei Xuetang" divides the users of "Xiaobaiying" into six levels.
Among them, there will be a clear classification of whether the students have money and whether the available funds are above 8,000 yuan.
And 8,000 yuan is the threshold to be able to participate in the follow-up courses, and it is also the key to the value of this "little white camp" student.
After many twists and turns, the reporter contacted a number of staff members who had left their jobs in the "Ten Times School" online financial management course.
Mr. Wang, former staff member of Ten Times Academy's online financial management course: I am a community sales person.
The main purpose of "Xiaobaiying" is transformation.
Reporter: What is it transformed into?
Former staff of Ten Times Academy's online financial management course: The regular price course is 8,000 yuan course.
In the office of the "Ten Times Academy", the reporter accidentally found a notebook containing standard answers to various questions from the students, including "Why the teacher only sends text but not voice", "Which book to recommend" and so on.
The employee also wrote this paragraph: "Tomorrow the first day of brainwashing copy will be exported."
Judging from the materials obtained on site, the company has more than 120 sales staff, each of whom has a monthly performance appraisal, and performance will be deducted if they fail to meet the standard.
The sales staff with better performance earn more than 30,000 yuan in a month after the commission is added.
Online financial management courses are uneven, pay attention to placing orders
It can be seen that on the Internet, there are more and more so-called financial management courses and financial business courses, and the scale is also getting bigger and bigger.
Faced with online financial management courses like "Ten Times Academy", how should consumers choose?
Once disputes arise, how can they protect their rights?
Propaganda staff of financial management section of a certain platform: The rich are brainwashing every day, and the poor are taking a bath every day.
Why is it said that the rich are brainwashing every day? You will find that the rich are learning every day.
On short video platforms, advertisements similar to "freedom of wealth, thinking of the poor, and learning to make money" are overwhelming and dazzling.
Li Yuan, a partner of Beijing Jingshi Law Firm: After studying, you can outperform inflation and achieve a return on investment of 15%. Such propaganda has actually been suspected of false propaganda, at least an act of exaggerating propaganda.
Reporter: Do you have a professional background in this area?
A staff member of an online financial management class: I am also taking this class and studying.
Reporter: It means that you are still studying while giving them lessons?
A staff member of an online financial management department: It is the courseware given by the company, and then we just follow the lesson.
A search for "financial management section" on a complaint platform found that there were more than 500 related complaints, including false propaganda, inducing consumption, inability to contact course teachers, serious losses in recommended wealth management products, and poor course quality.
Legal professionals believe that the current online promotion and learning courses are indeed bringing new challenges to supervision.
When choosing a course, consumers should not rush to pay and place an order. They should also keep their eyes open and choose carefully.
Li Yuan, partner of Beijing Jingshi Law Firm: You can pay attention to whether the operator or his related parties have any bad information. Finally, we can also search through the Internet to check whether the brand of such courses has some bad information. Evaluation.
We also recommend that consumers sign the contract before paying. When signing the contract, they must pay attention to who the service provider is, what services they provide, and what to do if they encounter a breach of contract.