網(wǎng)購(gòu)理財(cái)產(chǎn)品的安全性調(diào)查:專(zhuān)家揭秘行業(yè)風(fēng)險(xiǎn)
來(lái)源:維思邁財(cái)經(jīng)2024-06-01 09:01:55
隨著互聯(lián)網(wǎng)的迅猛發(fā)展,網(wǎng)購(gòu)已經(jīng)成為人們?nèi)粘I钪胁豢苫蛉钡囊徊糠?。在這個(gè)數(shù)字化時(shí)代,除了日常用品和服裝等實(shí)物產(chǎn)品外,越來(lái)越多的人開(kāi)始將目光投向了線上理財(cái)產(chǎn)品。然而,在便捷快速背后隱藏著怎樣的風(fēng)險(xiǎn)?專(zhuān)家近日對(duì)網(wǎng)購(gòu)理財(cái)產(chǎn)品進(jìn)行了安全性調(diào)查,并揭秘行業(yè)內(nèi)潛藏的各種風(fēng)險(xiǎn)。
**網(wǎng)絡(luò)平臺(tái)火爆銷(xiāo)售 理財(cái)產(chǎn)品琳瑯滿(mǎn)目**
“只需輕點(diǎn)幾下鼠標(biāo),就可以獲得高額回報(bào)!”諸如此類(lèi)宣傳語(yǔ)言頻繁出現(xiàn)在各大電商平臺(tái)和金融App中。據(jù)調(diào)查顯示,在過(guò)去幾年里,“P2P”、“互聯(lián)網(wǎng)基金”等類(lèi)型的理財(cái)產(chǎn)品備受推崇,許多消費(fèi)者被其高利率所吸引紛紛加入其中。
從小白用戶(hù)到有經(jīng)驗(yàn)者、甚至是退休老人, 這些群體都參與到該市場(chǎng)當(dāng)中?!拔矣X(jué)得銀行存款利息太低啦!選擇買(mǎi)一些收益更好看起來(lái)也比較靠譜。” 61歲退休工程師楊先生告訴記者說(shuō)道。
**虛假宣傳 高回報(bào)掩蓋真相**
然而事實(shí)是否如此美好呢?針對(duì)某知名網(wǎng)絡(luò)借貸平臺(tái)發(fā)布并銷(xiāo)售項(xiàng)目情況進(jìn)行深度挖掘后發(fā)現(xiàn):該公司通過(guò)編造數(shù)據(jù)、虛構(gòu)信息等手段誤導(dǎo)廣大投資者;同時(shí)還存在未披露重要交易條款以及變相承擔(dān)客戶(hù)交易責(zé)任等問(wèn)題。
根據(jù)相關(guān)機(jī)構(gòu)公布數(shù)據(jù)統(tǒng)計(jì),《2019年中國(guó)在線借貸新規(guī)模約5.8萬(wàn)億元》 。但令人惋惜地是, 在這龐大數(shù)字之后卻隱藏著無(wú)數(shù)因非法集資、跑路逃避監(jiān)管而產(chǎn)生困局甚至災(zāi)難般結(jié)局 的案例教訓(xùn).
**封閉期長(zhǎng) 投資門(mén)檻高 實(shí)則暗藏陷阱**
專(zhuān)家指出:“很多網(wǎng)購(gòu)理財(cái)產(chǎn)品打著‘零門(mén)檻’‘簡(jiǎn)單操作’‘最佳方案’等旗號(hào)招攬顧客;但其實(shí)絕大部分項(xiàng)目具有較長(zhǎng)封閉期限制且提前退出需要支付巨額罰金?!?br>
曾有不少投資新手由于沒(méi)有認(rèn)真閱讀合同內(nèi)容或聽(tīng)信他人建議匆忙選定項(xiàng)目結(jié)果血本無(wú)歸?!拔冶疽詾槟苜嵢》€(wěn)定收益, 誰(shuí)知道突然間消息稱(chēng)公司失聯(lián)...那筆錢(qián)可能再也找不回來(lái)了。” 曾遭受損失累累30萬(wàn)余元?jiǎng)⑴啃挠衅萜菅傻馗袊@道
**政策監(jiān)管力度加強(qiáng) 行業(yè)面臨洗牌整改壓力**
當(dāng)前國(guó)家層面正致力于完善相關(guān)政策法規(guī) 并持續(xù)增強(qiáng)監(jiān)管執(zhí)行效果:《關(guān)于促進(jìn)互聯(lián)網(wǎng)領(lǐng)域良性競(jìng)爭(zhēng) 推動(dòng)優(yōu)化營(yíng)商環(huán)境若干意見(jiàn)》 印證明確表達(dá)支持企業(yè)科技創(chuàng)新 和服務(wù)水平提升 保護(hù)消費(fèi)權(quán) 益 加快立法進(jìn)程 規(guī)范運(yùn)作 消解影響社會(huì)治 同聲音 另外 審視 對(duì)接口設(shè)施開(kāi)放共享評(píng)審程序 提供清晰路徑 引導(dǎo) 格式轉(zhuǎn)換 協(xié)助應(yīng)用移 改組件庫(kù) 組件管理器 包含配置系統(tǒng) 發(fā)送郵件請(qǐng)求檢索 尋址權(quán)限 控制錯(cuò)誤處理 緩存通信驗(yàn)證 訂單 數(shù)據(jù)字段 公司名稱(chēng) 地區(qū)電話地址 或其他聯(lián)系方式 字符串日期時(shí)間 數(shù)字貨幣賬單代碼 自定義格式設(shè)置 文件上傳 圖片預(yù)覽 下載評(píng)論留言 用戶(hù)登錄 注冊(cè)注 銷(xiāo)密碼修改 執(zhí)行搜索查詢(xún) 功能列表 屬性菜單按鈕 頁(yè)面文檔鏈接復(fù) 制 復(fù)原排序分類(lèi)訂單狀態(tài)角色權(quán)限職位 工作流任務(wù)節(jié)點(diǎn)步驟條件 分頁(yè)功能提示說(shuō)明反饋特殊字符輸入輸出 顯示界面設(shè)計(jì)圖標(biāo) 測(cè)試示例演示生成文件 存儲(chǔ)記錄 日志異常事件警告成功失敗確認(rèn)取消完成待審核駁 回撤銷(xiāo)刪除編輯新增提交保存關(guān)閉詳情分享離 開(kāi)返回首頁(yè)朋友圈權(quán)限主題板塊版塊子版塊文章標(biāo)題 內(nèi)容摘要作者來(lái)源瀏覽權(quán)源創(chuàng)建更新時(shí)間 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理財(cái)產(chǎn)品
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安全性調(diào)查
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