How to treat actor Hu Jun's endorsement of wealth management products? What do you think of celebrity endorsements?

Hu Jun, a famous movie star, claimed that his principal and interest were fully underwritten by an insurance company, which was a fraud, resulting in 34 families in China being defrauded of 39 billion yuan. He asked the state to file an investigation, which is really a major fraud case since the founding of the People's Republic of China. Now the Beijing Public Prosecution Law does not file a case in advance! Reason: administrative intervention in the judiciary! The Fangshan District Government of Beijing has set up a special class for Jiufu to resolve financial risks. However, the special class has been established for two years and has not brought back a penny for 340 thousand families. Instead, he helped Jiufu hold up an umbrella, saying that Jiufu was reasonable, legal and compliant.

However, Hu Jun did one more thing: after receiving the notice from the public security organ, he returned the advertising endorsement fee one after another. The court held that from the above situation, the defendant subjectively did not want to take the above endorsement fee for himself by any means, but only returned it at the first time and did not get any benefits. In contrast, judging from the current news reports, Hu Jun has never made a statement on the refund of advertising fees.

The problem left over from the past history is that the P2P level of 39 billion was relatively high at that time, because the way to deal with the massive P2P storm was not to announce the specific total amount on the cold treatment day. According to the stock at that time, it is estimated that 1000 billion to 1000 billion will not be returned, and many people will still receive text messages such as "rational rights protection", and there is almost no solution so far. Basically, the solution is to default to investment and suffer losses. Sometimes it is difficult to distinguish between investment and speculation. After all, the promised income of P2P is much higher than that of Ding Yinxing Finance. In order not to affect the following discussion, investors are used below. It is increasingly difficult to distinguish Ponzi scheme from financial innovation, so it is even more difficult for everyone to distinguish it.

Back to this question, accumulating the fund pool is actually the basic operation of the new Ponzi scheme. It promises high returns and is willing to spend extremely high advertising fees to create momentum. The purpose is not to eat the interest difference after financing or invest in value-added enterprises, but to eat the money in the fund pool. Celebrity endorsement is a way with relatively good advertising effect and rapid accumulation of fund pool. Who would have thought that Aidou would really cut herself like a leek, even if she cut the leek, she was still protecting her ancestors. Star stars are not the initiator of this problem, but as part of the profit-sharing system, 39 billion investors have lost a home. Whether intentionally or not, they did participate in the Ponzi scheme of harvesting leeks.

For the development direction of these explosions, it is said that some are investment products, some are speculative products and financial scams. It is impossible to go to Huaidi. In the past, the high probability of loss was that investment companies ate everything, and people often didn't learn historical lessons, which was true in all aspects. Only the choice of ordinary people is the last barrier, and we must have a sense of prevention. If you set yourself a high-income goal, you must realize that you are taking a big risk. Don't touch anything that you don't understand but sounds tall.

You envy other people's income. Other people's income may come from thousands of people who envy high income as much as you do. You look at the car income, others value your principal. Some people say that if you don't cut leeks, someone will. Don't try to alert the public, but my opinion is that it makes sense to be cheated at least once, especially in the economic situation, there will only be more scams. If you often walk by the river, you won't get wet unless you get into the habit of taking risks.

A relatively simple method is to roughly infer the risk of financial innovation through the financial risk level of large financial institutions with the same expected returns, and basically follow high returns and high risks, but low returns will always make a bean taste look down on low risks, because new financial innovations are often concentrated in two directions: avoiding supervision; And transfer the default cost as much as possible. Coupled with the lag of domestic financial system supervision, the design of this guide is not very clever, and all of them try their best to accumulate funds pool. For example, P2P, the initiator can't pay much at all, it's all leverage. Assuming that its own funds are 1% and 99% are owned by others, it is not surprising that this pool is not supervised. Another example is the model innovation of Danke apartment.

There is no internet financial lending qualification certificate. No financial business license. Illegally apply for and steal digital certificates and electronic signatures of 340,000 people, and sign illegal financing loan contracts. Special class to help Jiufu: download the creditor's rights pass and enter the creditor's rights transfer channel before going online. In fact, people who enter the creditor's rights pass only get the principal of 20 thousand to 30 thousand. This is what Beijing 12345 told us: Jiufu is in a benign state of withdrawal. A friend who encountered difficulties went to the district government and got the answer: the district government has never set up a special class for risk resolution! This special class, which can deter the public prosecution law, is a mystery.

A rogue is a rogue. It's not that you don't deal with it, but that you think it will be handled soon and the money will be in place. As a result, it has been handled for two years, and the words of APP have not changed. It's disgusting. I just want to know, is this lousy company still there? Don't pay the depositors, confiscate all the assets of the boss, and go to prison for life, right? I cheated so many depositors, and there is no news of punishment yet. It's amazing! I wonder, is there an umbrella behind Jiufu's naked fraud for so long?

The Hu Jun case taught us a lesson: Never overestimate the caution of celebrities when they speak for investment and wealth management products. In this case, the spokesperson only looked at the business license and tax procedures, avoiding the risk of joint liability for knowing or should have known that there was false propaganda. For investors, don't think too deeply about the spokesperson's understanding of the product, and don't think that since it is a partner selected by the star economic team, it must be trustworthy. In fact, they may not know as much as ordinary people, but their judgment ability is not as good as ordinary people.