Investment P2P earn interest is not reverse pay cash commission fee 吸奶学园


Investment P2P earn interest is not a reciprocal withdrawal fee: P2P charge all kinds of investment industry should understand the multi investor Huang Yun complained to reporters, can clearly show the investment project, click on the immediate investment, but show the full scale, what’s more, 50 thousand yuan of investment gold has successfully turned into the platform and on the day of account, not to mention now, within a month if you don’t invest cash to charge a fee of 0.3%, that is 150 yuan. "Feel yourself jumped into a trap, optimistic about the project investment can not just, I did not expect the investment cash now also spend 150 yuan fee."." Huang Yun said angrily. Reporter survey found that although the P2P yield is high, but there are also many charge traps, and P2P white are need to be more cautious when investing in, before investment, should all know the charges, avoid income "boondoggle". Guangzhou Daily reporter Lin Xiaoli, Pan Yu did not invest 30 days, withdrawals need to charge 0.3% commission? Investor Huang Yun (a pseudonym) complained to reporters, recently, a friend recommended to her a state-owned P2P platform for P2P financing. "Never before have invested in P2P, think the risk is too big, but now the bank financial products revenue is too low, only risking 50 thousand yuan to try P2P." Huang Yun said. Since this is the first time Huang Yun investment P2P, careful reading of multiple non full scale project introduction, saw an annual yield of 12% products. "This project is the acceptance of the right to return, payment is Guangzhou a large real estate companies listed subsidiary, the company’s advertising is overwhelming, feel relieved, and the investment period is 174 days, very accord with my request, also did not show the full scale, there are hundreds of thousands of lines." So Huang Yun clicked with joy and said, "invest now."". After the input amount, password and other operations, but the bullet out shows that the project is full of mark, that is unable to invest. However, the other side of the box, the bank text messages show that the bank card 50 thousand yuan has been detained. Huang Yun nervously searched, found 5 million yuan has been transferred into the account platform, but the trouble comes, Huang Yun found that the withdrawal amount is 0, read to know, the prepaid funds are not to mention now, what’s more, 30 days without investment funds to cash recharge need to charge a fee of 0.3%. "Let me forget it. The fee of 50 thousand yuan is 150 yuan. Isn’t it necessary for you to continue investing?"" Huang Yun angrily said, "if I recharge the initiative will recognize, but I am not active recharge.". And the project is full, how can you arbitrarily deduct the funds? This is the platform’s charging trap." Withdrawal fee is a third-party payment platform for the reporter to the people along with the world credit confirmation, the state-owned platform relevant staff confirmed to reporters. The staff said that although Huang Yun is not in the standard of full time recharge investment, but the investment will certainly need to recharge, recharge, the subject is full, not actually investment success. She suggested that the money be invested in other projects, that is to say

投资P2P赚利息不成反交提现手续费   业内:P2P收费五花八门 投资前应多方了解   投资者黄云向记者抱怨,明明显示可以投资的项目,点击立即投资,却显示满标,更气人的是,5万元的投资金却成功地转进了该平台的账户,而且当天不能提现,一个月内如果不投资,提现要收取0.3%的手续费,即150元。“感觉自己跳进了一个陷阱,看好的项目投资不了也就罢了,没想到投资金提现还要花150元手续费。”黄云气愤地说。   记者调查发现,虽然P2P收益率颇高,但是也存在不少收费的陷阱,而P2P小白们在投资时需要更加谨慎,在投资之前,应该多方了解收费项目,避免收益“打了水漂”。   广州日报记者林晓丽、潘彧   未投资满30天提现需收0.3%手续费?   投资者黄云(化名)向记者抱怨道,最近有朋友向她推荐了一家国资P2P平台进行P2P理财。“之前从来没有投资过P2P,觉得风险太大了,但是如今银行理财产品收益实在太低,只能冒险拿个5万元尝试一下P2P了。”黄云说。   由于是第一次投资P2P,黄云特别谨慎,认真地阅读了多个未满标的项目介绍,终于看中了一款年化收益为12%的产品。“该项目是承兑汇票收益权,付款方是广州某大型上市地产公司旗下的子公司,该公司的广告可是铺天盖地,觉得很放心,而且投资期限是174天,很符合我的要求,也显示未满标,还有十几万的额度。”于是黄云满心欢喜地点击了“立即投资”。经过输入金额、密码等操作,却弹出来显示该项目满标了,即无法投资了。但是,另一边厢,银行短信却显示,银行卡里的5万元已被扣。   黄云紧张地查询了一下,发现5万元已被转进了平台的账户,但是烦恼来了,黄云发现可提现金额却是0,仔细阅读才知道,当日充值的资金是不能提现的,更气人的是,30天内充值未投资的资金提现需收取0.3%的手续费。   “我算了一下,提现5万元的手续费竟高达150元,这不是逼你一定要继续投资吗?”黄云气愤地说,“如果是我主动充值也就认了,但我并非主动充值。而项目满标了怎么可以随意把资金给扣了呢?这明明就是平台的收费陷阱。”   提现手续费实为第三方支付平台收取   记者随之向民贷天下进行求证,该国资平台相关工作人员向记者证实。   该工作人员表示,虽然黄云是在标的未满的时候充值投资,但是投资肯定需要充值的过程,充值之后,标的已经满了,实际上并未投资成功。她建议,这笔钱可以投资其他项目,即使是投资一个月内的短期项目,都可以不用花费提现手续费。   而对于提现手续费的规定,该工作人员称,每个平台对于提现手续费的规则是不一样的,而民贷的规则都在充值页面上有显示,做了前期的提醒。   此外,该工作人员解释称,由于客户充值是走第三方支付平台,作为P2P公司本身,是要付给第三方支付平台通道费的,如果不投资直接提现,公司会代收第三方这个支付平台的费用,“这不是我们收的。只要有投资的,我们都会替用户交手续费。”   记者调查发现,提现手续费并非这一家独有。   充值的资金未经投资提现收取手续费,不少平台都是这么规定的,“这主要是因为对于有银行存管的平台来说,每个活跃账户都需要给银行交一定费用,因此P2P平台都希望活跃账户,能够进行投资产生收益”。   提醒   投资者应先行了解规则   当前,P2P平台除了跑路、倒闭和提现困难等直接风险之外,还存在一些较为隐蔽的“乱象”,而P2P对于投资人的诸多收费便是其中一个。除了提现手续费一些平台还有以其他名义进行隐性收费,比如有些平台还会收取充值费。如有平台的充值费以每笔0.5%计取,提现费按提取数额大小不同收取每笔1~5元不等的费用。   此外,部分平台还有投资管理费、VIP费用、债权转让费等,如有平台对于收益收取10%的投资管理费,意味着如果标的收益为13%,有1.3%将会被平台扣除,最终投资者只能得到11.7%的收益。部分平台对已持有90天(含)以内的债券,转让费率为1%;持有超过90天的,转让费率为0.5%。   业内人士提醒,由于各项收费种类繁多,很多投资者在投资之后才发现,不得不不明就里付出费用,财富被无形“侵蚀”,遇此情形,投资者事后常感头疼,建议投资者投资前对于投资收费进行详细了解,“现在很多精明的投资者直接问收益的时候就会问净收益还是毛收益。”业内人士表示。 进入【新浪财经股吧】讨论相关的主题文章: