What are the characteristics of such trap courses? How should ordinary people prevent and identify?
In December last year, Ms. Zhang in Beijing saw an advertisement that she could join the “Wealth Management Little White Camp” for only one dollar and learn financial management courses online.
Attracted by the article, plus a dollar is not too much, Ms. Zhang did not hesitate too much, quickly paid, and entered this financial knowledge learning course called “Ten Times School”. Ms. Zhang found that, unlike other online teaching, every student who enters the “financial management small white camp” must fill in personal information, including disposable monthly income, debt status, and three important wealth goals.
Through online courses, Ms. Zhang began to learn about financial management knowledge of stocks and funds. The teacher told her, “No matter what your current financial situation is, this will be the most valuable lesson in your life with regard to financial management and increasing income.”
For a period of time, I often received marketing calls recommending wealth management products, and I don’t know why I was really disgusted with such calls. As for me now, whenever someone calls the word “financial management”, I will have an instinctive emergency response and hang up without saying a word. I thought about it later. There are two main reasons. One is that I am a poor person and I don’t have much spare money. Second, I think I don’t have much money and investment skills. The ordinary life will become more and more prosperous. I bought a house last year and there was still a few days before the down payment. The banker tentatively asked me to buy their wealth management products. I almost didn’t suppress the anger in my heart. I thought, although it is indeed not easy to do business now, you can’t even let go of the list of these few days. But after thinking about it, it was not easy for everyone. He also tactfully refused to say anything for three meals a day. I used to feel dull. Until today, I saw the incident of “one yuan in financial management but was defrauded of nearly 10,000 yuan.” I once again confirmed that this kind of thing will definitely not happen to people like me who have excessive rejection of the word “financial management”. . I simply read the news reports and was stunned by this kind of fraudulent marketing. Isn’t this a MLM in disguise? First come to a small class, give you a sip of poisonous chicken soup to “get rid of poor people’s thinking”, “no matter what your current financial situation, about financial management to increase income, this will be the most valuable lesson in your life.” Let you taste a little bit more sweetness. After completing the “12-day “Financial Management Little White Camp”” project, after I have the illusion of improving my ability, the foreshadowing is over, start to slaughter, and upgrade the “8,000 yuan gold card member” . Then he put the money in his pocket, and people went to the empty building. Leave two lines of tears for the deceived. The reporter learned that even the “teacher” in class is learning the courseware, and every step of the scam is prepared in advance and has a corresponding “correct answer”. Reporter: Do you have a professional background in this area? A staff member of an online financial management class: I am also taking this class and studying. Reporter: It means that you are still studying while giving them lessons? A staff member of an online financial management department: It is the courseware given by the company, and then we just follow the lesson. You think that all the big coffees are teaching you, and the dreamers get rich overnight. In fact, they have set up a full set for a long time, and they can get the bait. They divided the trainees into “potential stocks” and “abandoned sons.” “Potential stocks” are well cultivated. “Abandoned sons” can’t even make money. Get up early and let go of them without wasting much energy. According to a report found by the reporter at the scene, the online financial management course of “ShiBei Xuetang” divides the users of “Xiaobaiying” into six levels. Among them, there will be a clear classification of whether the students have money and whether the available funds are above 8,000 yuan. And 8,000 yuan is the threshold to be able to participate in the follow-up courses, and it is also the key to the value of this “little white camp” student. To put it bluntly, in addition to the liar being too cunning, the greed of the human heart is still faintly at work. Investment needs to be cautious, and keeping your eyes open is the kingly way.