What Should Depositors Pay Attention To Avoid Losses?

Doubts about the safety of banks have been raised frequently recently.

The four hundred million yuan deposit disappeared mysteriously, and five years ago, it still failed to find out the result.

Mr. Wu, a company and his personal account in Changsha, had 358 accounts, of which more than 100 had frequent large capital flows. He said he was "totally unaware" and did not know how much he lost.

In the past five years, the bank has not provided complete information and flow sheet and surveillance video, making the truth still confusing.

Of course, financial planners also think that the problem of depositors themselves can not be ruled out, but the bank can not find out the truth is also inseparable from the responsibility.

So what are the problems that our depositors should pay attention to in their usual deposits and withdrawals and financial management?

Mr. Wu will have this problem, a large part of the reason is that he has opened too many cards, and there are 358.

It can't be very good.

And co-ordination, we can not find problems in time, when it is discovered, it is already late.

However, because of the need for business, the frequent opening of business card is unavoidable (three hundred or more), but Reed, a financial planner of Jifeng, believes that many people are willing to run cards for the sake of the bank's discount, which not only increases the risk of information leakage, but also makes management more confusing.

In the business of banks, there must be evidential evidence, so the receipts and receipts must be collected. After a certain period of time, they can be thrown away. Otherwise, they will not know when to do things.

Reed, a financial planner, often heard of the so-called bank staff who posed as customers' signatures, though they were able to succeed at that time.

If we can grasp the evidence, we can prosecute and grasp the initiative of the whole event.

This is also the reason why Jiefong Reed's financial planner suggested that fewer cards should be used, so as not to be able to pay attention to the change of cards.

It is recommended to set up SMS alerting function. Once there are problems, there will be double insurance, and it will not be sold.

When necessary, freeze accounts in a decisive manner and avoid further losses.

Of course, during this period, we must prevent telecommunications fraud and not deposit deposits into "security accounts" and so on.

Many people do not know what to manage, only to know bank deposits. In fact, eggs can not be put in a basket. Our forms of property should also be varied. It is more reliable than simply issuing banks. (I believe you know that banks only guarantee 500 thousand, and allow bankruptcy), which is also higher than that of simple bank deposits. Savers can match financial products such as financial products of about 4% of the annual yield, about ten percent of Yisheng Bao, about twelve percent of large trust and five percent of bonds, and so on.

A customer with 3 million bank deposits can guarantee that he can get all of his three million in any case if he averages six banks.

But if he put all his money in a bank, if he had a small probability event, he would only get 500 thousand and lose 2 million 500 thousand.

The latest deposit insurance system is so cruel.

Therefore, Jiefong Reed financial planner suggests that we should take the principle of decentralized management of bank deposits as far as possible so as to avoid accidents.