Are retail investors victims of China Bank's crude oil treasure incident? How will it develop afterwards?

China Bank's crude oil treasure incident can be said to be a relatively famous social event recently. Many investors lost a lot of money. Some netizens asked whether retail investors are all victims and how things develop.

About retail investors

There are various types of people who invest in crude oil treasures, such as those who are particularly speculative, those who want to make some money at the bottom, and those who invest in daily financial management. In fact, some people were cheated by bank tellers to buy crude oil treasures. Some real cases can illustrate this point. There are many types of retail investors, and even a large part of them can be regarded as the middle class, but they are actually a proletariat because there is no means of production. After the incident was exposed, many people happened. It can be seen from the loss of 30 billion yuan that the number of retail investors is very large.

About victimization

There are many users who participate in the purchase of crude oil treasures, including many speculators. These people think that the price of crude oil treasure has fallen to a certain extent, so they choose to bargain-hunting and intend to make a big profit. Finally, they didn't expect that Wall Street capitalists had no bottom line in order to cut leeks, and they could change the rules directly until the price was negative. So these people thought they could successfully bargain-hunting, and they lost a fortune. But the people who are fooled into buying are really innocent, even the elderly. These people really don't understand such things as futures, and even employees are doing all kinds of deceptive behaviors for performance, which is quite bad.

But no matter what kind of people, they are innocent victims. In this case, except for BOC, other state-owned banks have closed the virtual futures of crude oil treasure. The person in charge of the bank has been aware of the changes in the rules, but has not made any introduction or reaction. Too many. Not only that, even on the day of the transaction, users were not reminded to close the channel according to the rules. After such processing, the user is indeed a victim.

About the follow-up development

The Bank of China first issued a specious apology statement to the effect that it did not urge users to pay their debts. Before this matter was fermented, the users who bought crude oil treasure actually not only lost the principal, but also paid three times the principal to the bank, and the debt collection message had been released to the users' mobile phones. Of course, there were too many victims in this incident, which caused a lot of concern. This statement has obviously not been recognized by the public, and even damaged the credibility to a great extent.

A few days later, Bank of China said that users don't have to pay for the loss, and the bank doesn't care, so users can get 20% of the principal. For example, suppose a retail investor spent 3 million yuan to buy a crude oil treasure, but the original retail investor has to pay another 9 million yuan? Debt? To the Bank of China, but now it can still be around 600,000, and the remaining 2.4 million is the loss of investment. Users who invest more than 6,543,800 yuan do not have this right, because they are identified as specialized investors and have to bear leverage losses.

Write it at the end

China Bank's crude oil treasure is ugly. I hope the relevant personnel can learn from this incident and get better and better in their future work and people's lives.