For a period of time, some a href= "http://m.pmae.cn/news/index_c.asp" > Investment Company < /a > often organizes people to distribute small ads with high interest and money management in crowded places such as large supermarkets, shopping malls, streets, and districts, etc. < p >

The annual yield of these small advertising financial products is generally over 10%, of which the highest annual yield has reached 15%, far higher than the annual yield of Internet financial products and bank financial products. Therefore, many people are interested in it and even buy it.

But some people have doubts about such a high annual yield of small advertising and financial products. Are these small ads reliable? < /p >

P, a reporter at a supermarket gate in Nankai District, saw an investment company employee giving small ads to customers.

In a small advertisement, the reporter saw that the company was engaged in small loan business. It used P2P financial management mode to finance and borrow money for individuals or small companies that needed money urgently.

The financial products launched by them are divided into 4 types.

The annual yield is expected to reach 12% to 16% respectively.

A salesperson told reporters that in order to ensure the safety of lenders' funds, they would strictly screen every borrower to ensure that they had the ability to repay their loans.

At the same time, they will show the borrowers who have screened the loan on the relevant financing platform to display for each lenders to freely choose.

Reporters still have doubts, the staff said, they have been working with several major state-owned banks to guarantee them, so there is no need to worry, the borrower's principal and interest can be cashed in time.

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< p > yesterday, the reporter consulted a state-owned bank in the city, and the relevant staff told reporters that at present, many private investment companies distributed high interest money management advertising is not very reliable, do not blindly believe.

For example, some companies have lied about their cooperation with state-owned banks in order to dispel the worries of lenders.

In fact, this is totally deceptive. Many banks do not cooperate with them at all, nor will they guarantee them.

The second is that its annualized rate of return is too high, too much water, and many are bait.

Because investment companies give borrowers 15% of the annual yield, they also need to make money from them, and finally the borrowers pay at least 20% or even higher interest rates.

Faced with such a high interest rate on loans, how many individuals and small businesses can afford to pay in time? This is very doubtful.

Third, some investment companies claim that the borrowers are using real estate mortgages to lend money. Even if borrowers are unable to repay, they can realisse them by selling collateral.

As a matter of fact, some borrowers' houses have been mortgaged several times. In the end, it is likely that individual creditors will get a real estate less than a href= "http://m.pmae.cn/news/index_cj.asp" > mortgage "/a" and not realizable.

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< p > < strong > expose 3 lies: < /strong > /p >

< p > lie 1 investment companies cooperate with state-owned banks to guarantee them.

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< p > many banks do not cooperate with them at all, nor will they guarantee them.

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< p > lie 2 is financing loans for individuals who are in urgent need of funds or small companies.

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< p > the investment company gives the lender 15% of the annual yield, and they also need to make money from it. Finally, the borrower pays an annual interest rate of at least 20%.

How many individuals and small businesses can afford it? < /p >

< p > lie 3. Borrowers are mortgaged by real estate. Even if borrowers are unable to repay, they can realisse them by selling collateral.

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< p > < < a href= > //m.pmae.cn/news/index_cj.asp > > borrowing > /a > People's property has been mortgaged many times. Finally, it is likely that individual creditors will not be able to realisse with a mortgage.

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