Among them, a self-proclaimed "mentor" plays the role of a military adviser, sharing stock trends and recommending stocks in the group every day, and said that investing with him can get "38% income". This "mentor" emphasizes "execution" and "group fighting". To put it bluntly, it is to ask others to obey his orders and buy the stocks he chooses.
Once there are different voices in the group, they will be besieged immediately. At the same time, some people told stories in the group about how they turned losses into profits under the guidance of "mentors" and even avoided family crises.
A group of members said that after three years of investment, their cousin and "mentor" bought two houses and a car; Others say that they earn 45% a month with a "mentor".
The "mentor" in the group said that the main reason for sharing stock investment is to participate in the Oriental Wealth Investment Competition. I hope that 50% of the people in the group will vote for him, not to make money.
In addition to similar "stock trading groups", what about the "1 yuan financial management course" which has been widely publicized on the Internet recently?
The Yijing Research Institute was established on 20 19 12, which belongs to Beijing Yixi Tianxia Technology Co., Ltd. official website showed that the Yijing Research Institute is determined to help ordinary people learn the knowledge of investment and financial management, and provide various professional investment courses that can be learned from zero foundation.
Xiaoyu said that the course content is very rich, which is the main reason why he wants to buy the course further. But he can understand that the course of 1 yuan is for sale, and the "class teacher" will constantly brainwash students in the WeChat group and tell them to invest in themselves and not to be reluctant to spend money. In addition to the strong recommendation of the "class teacher", Yu Can Jr. saw that there were many child-care workers in the group, but all of them sent screenshots to create a tense atmosphere, and the number of places was limited. If you don't pay, you will have to buy them at the original price. However, influenced by the atmosphere in the group, Xiaoyu bought a course of 8 thousand for Yi Pai, of which more than half was paid with flowers and the rest was living expenses.
However, just after the course, Xiao Yu regretted it, because he saw many people breaking the news on Zhihu, saying that "teachers watch videos by themselves whether they buy courses or not". Xiao Yu thinks this 8000 yuan is not worth much. After buying the class, the "teacher" was really cold to him. Before the class started, he immediately contacted the "class teacher" and asked for a refund.
However, the refund process is not smooth. Xiaoyu said that the "class teacher" dragged on and even said a lot of ugly words. Later, when I found the customer service, I was also kicking the ball and didn't respond. Kohane contacted customer service many times, called him from headquarters to confirm the refund for three days, and finally got the refund.
Later, Xiao Yu reflected that although he had financial experience, his learning was not systematic and his ability to distinguish was weak.
Take Yi as an example. After clicking on the advertisement, the page jumps to the course introduction, mainly the teacher's "self-created tactics". 12 After class, we will introduce "rising waves", "falling waves" and "turbulent period". However, it is difficult to understand what these "waves" mean from the introduction.
However, the authenticity of these brilliant "achievements" cannot be verified.
Judging from the complaints of black cats, as of August 16, the complaints of Qiniu Business School were 94 1, mainly for false advertisements, false propaganda and induced consumption.
Many victims wrote in the complaint: the daily study course is a recorded video lesson, the afternoon sharing is a copy and paste of the original video, and the practice of sharing the course later is repetitive. And in the course, we will continue to recommend more advanced courses of 3,299 yuan, and constantly recommend Hong Kong stock innovation, which is known as "high income and low risk".
According to the complaints, most consumers who received compensation did not receive full compensation, and most of them received 300-700 yuan compensation.
The logic of making money in these so-called "financial courses" is that if someone spends money, they will send the recorded videos to consumers; If someone complains about the poor quality of the course, they will refund part of the tuition to make things easier, but they will make money anyway. This seems to be a low-tech business, and it is a one-way transaction. One of the key technologies is how "teachers" confuse "Xiaobai" with complicated and embarrassing terms, and then turn the anxiety of "leek" into tuition fees.
Qibao shows that Qiniu Business School, founded on 20 15, is a financial and business education service platform focusing on investors. In 20 18, he got tens of millions of dollars in financing through series A. It is worth noting that in 2002 1 and1,actor Lu Yi became Niu Kai's "Chief Experience Officer".
Tongdao Technology Co., Ltd., a subsidiary of Niu Business School, expanded rapidly last year. According to public information, in 20 19, the number of people who paid social security by the company was 23, and by 2020, the number was 93; Among the 365 open recruitment positions, the product and operation position 180 accounts for nearly half, while the position responsible for courses and training is only 10.
In fact, investor education in China has a long way to go, and people need to learn really useful financial knowledge. Only when they know what real "financial management" is, will they not be deceived by the false "financial management class".
As early as 20 18, Guo Shuqing, Party Secretary of China People's Bank and Chairman of China Banking Regulatory Commission, reminded the public: "High income means high risk. If the yield exceeds 6%, it will be questioned. It is dangerous to yield more than 8%. If it exceeds 10%, be prepared to lose all the principal. "
Dong Ximiao, chief researcher of Zhilian Finance, pointed out that from the perspective of motivation, some consumers hope to improve their investment ability through several financial management classes, and even hope to achieve financial freedom. This motive has to be questioned and easily exploited. Academic qualifications only increase knowledge and ability, and usually cannot be directly converted into investment ability. There is a gap of 108,000 miles between the two. At present, many expensive financial management courses with thousands or even tens of thousands of yuan on the market are not so valuable.
Dong Ximiao believes that it is urgent to standardize financial and business education institutions. Formal financial institutions and other organizations should become the regular army of financial and business education, and play the role of good money to drive out bad money. As far as financial institutions are concerned, investor education is a very important job. We can consider cooperating with educational institutions to improve the effect of financial and business education.
In European and American countries where financial markets are relatively mature, financial and business education has been incorporated into the education system, with clear content and strict management. At the same time, European and American financial regulatory authorities will conduct strict qualification examination on the financial product promotion business that may be involved.
For example, in the United States, the SEC (Securities and Exchange Commission) passes RIA (Registered Investment Advisor).
The license regulates the relevant institutions and individuals engaged in securities investment consulting, and only the institutions and individuals holding the license are qualified to provide securities investment consulting services to investors. In Britain, FCA (British Financial Conduct Authority) is mainly responsible for supervision, and institutions need to obtain a registered financial consultant license issued by FCA before they can put into teaching.
Related Q&A: Is the financial management of Qiniu Business School a lie? Of course it's a lie. As long as you believe it, you will be fooled. Because I believed it, I was cheated, and I was cheated of more than three thousand dollars. This is my tuition for Kainiu School. I will take a few classes for free for a limited time, and then I will actually brainwash you there. Pay more than 3000 yuan after washing, and then listen to the next class. After listening to it, I was at a loss and had nothing. Then it's actually brainwashing. Pay more than 3000 yuan after washing, and then listen to the next class. As a result, after listening to it, you are confused and can't learn anything. So you think this is such a good thing that it can teach you to make money. Then why should he give it to you if he doesn't do it himself? What about you? Because? Take a few free classes for a limited time, and then it's actually brainwashing. Pay more than 3000 yuan after washing, and then listen to the next class. As a result, you are at a loss after listening to it, and you can't learn anything. You think it's such a good thing to teach you to make money. Then why doesn't he make money himself? Why would he teach you a complete stranger? Just because I want to earn this tuition from you, there is no free lunch! Related Q&A: Can Qiniu Business School really make money by paying 2880 tuition fees? Is there any paid study? Qiniu Business School is cheating money.