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防范理财“陷阱”
2017-09-04 07:20:52 中国青年网
近年来,一些不法分子打着高息理财、成立公司、设立合作社、搞项目开发或者优惠出售商品等幌子,引诱农民朋友入股分红,使一些农民稀里糊涂地被卷入了非法集资,辛苦挣来的血汗钱打了水漂。甚至还有部分正规金融机构,把一些高风险的金融产品推销给农民朋友,导致农民收益甚至本金出现损失。
农民之所以会落入理财陷阱,既有禁不住高额回报诱惑等主观原因,也有金融知识缺乏等客观因素。
要防范理财陷阱,首先应加强对农民进行金融知识的宣传。当前,农村地区长期居住的大部分是老人和儿童,文化水平比较低,缺乏对现代金融知识的了解。金融机构要有针对性地开展金融知识宣传,结合典型案例,通过乡村文艺等多种方式,把专业性较强的金融知识,以通俗易懂的语言讲述给农民朋友,教会他们认识和运用各种投资工具,增强规避金融风险的能力,提高其理财技能。
其次,要进一步规范农村保险产品的宣传和销售。近年来,一些金融机构将农村地区作为保险产品推销的重点,在产品推销过程中,夸大保险产品的功能和收益,对可能出现的本金和收益损失却避而不谈,导致一些购买保险产品的农民,在急需用款提前办理退保时,造成本金损失,有的到期收益低于存款利息收入。对此,各金融机构应加强员工道德操守教育,严格规范保险产品宣传和销售行为,杜绝夸大收益和虚假宣传,严禁误导和欺诈销售,切实维护广大农民的合法权益。
再次,相关部门应加大对违法违规行为的打击力度,维护农村金融秩序稳定。金融监管部门应定期或不定期对农村地区金融产品销售情况进行检查,对违规金融机构要严厉处罚和问责。除此之外,有关部门还要加大对非法集资、非法传销的打击力度,净化农村金融市场,确保广大农民财产安全。
(河北承德银监分局 王世杰)
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