Chapter 282：

Soon after Chen Yi thought of this, the computer screen popped up again: "The well-known private equity fund "Ruiming Investment" stepped on the thunder "decorative design", "decoration design" suddenly thundered, and the private equity boss was not spared", " It was discovered that private equity overturned and heavy stocks were suspected of financial fraud." And many other news.

Chen Yi looked at it one by one, and the more he looked at it, the more he became frightened. I have to say that the speed of these journalists was simply too fast. Like cats smelling the smell, they covered the incident in a swarm.

It didn’t take long for the public information of the company’s history to be turned out one after another. Among them were the public introductions of three fund managers and related cases involved in history. Among them, there were various market managers after Chen Yan. Introduction to the case of violations of the regulations.

Although all of these things were originally public, they were all publicly published on domestic legal-related websites. If you don't deliberately pay attention to them and can search for them, you need extremely accidental opportunities and patience to make them clear.

But now because the heavy warehouse company is suspected of financial fraud, the various media and reporters in the stock market are like human flesh searchers, and they are starting to find out whether Ruiming Investment can attract market attention. After all, this is a private equity fund. , Private equity funds are very low-key in the market. Everyone comes to these private equity funds. Many of the people are bigwigs. This industry is very low-key and very mysterious. Now it’s hard to have a single holding stock, and it’s still a big position. When such a big incident happened to the stock, it naturally attracted the attention of many people in the market.

These financial media and news reporters are indeed very capable. In just a few hours, they have collected, sorted out and presented the vast majority of Ruiming's public historical information to the public. Although everything is simply mentioned, this is an introduction. After knowing the general things, interested people will go to the relevant legal documents to search on the Internet, thinking that they are all public information, so It is not difficult to obtain.

Chen Yi has relatively little social experience, but he is not stupid and sweet. He is not that kind of simple and innocent person. After seeing the Ruiming investment information sorted out by the media, he immediately went to the relevant legal document website to search for it.

Chen Yi has read every legal document and related cases in detail. Chen Yi discovered that the fund manager named Chen Yan had been reported because of rat warehouses and insider trading and was imposed a "lifetime ban on the industry" by the regulator. After the punishment, Ruiming Investment had a lot of market managers before and after. Everyone was not very old when he was punished, and they were all the same as him, and every one of them violated the rules in the fundraising behavior, which brought the company’s reputation. When the loss came, he was also taken to court by the company, which paid a large sum of money.

Although it is clearly written in the legal documents of everything that the mistake is the consequence of improper operation when the market manager raises and sells funds for his own personal benefit, so many market managers are like this, and every one of them is the same. Because of this problem, Chen Yi felt that something was wrong.

Although Chen Yi couldn’t understand what was going on, and he also trusted the law and the rulings of regulatory agencies, but this was not quite right, but he didn’t know what was wrong. He was looking at those people. At the age and job position he was punished at that time, Chen Yi felt chills all over his body. Although Chen Yi didn't want to understand what was going on, he knew that his current situation with those who were punished in history was almost the same, or it could be said to be exactly the same.

They are all of this age and are marketing managers. Chen Yi then took a closer look at the specific circumstances of these people being punished. He wanted to see what went wrong when these people were raised for sales. How could there be so many Did people fall into the pit one after another?

At this time, Chen Yi still holds the attitude of learning, correcting if there is responsibility, and encouraging if nothing is done. In his opinion, it should be simply improper operation, or because of personal interests and other reasons, some of the necessary processes or steps are not available. Caused a problem.

He wanted to learn, that the province himself had committed similar problems again, knowing that he still had no doubts about Ruiming Investment at this time, and did not know if there was really no doubt? Still have doubts but don't want to admit it. But I have to say that Chen Yi is a person who trusts others easily.

Chen Yi carefully read the detailed introductions in the legal documents and compared them with himself one by one. Apart from being able to check the gaps and improve the ability and avoid risks, Chen Yi also wanted to see if there were any problems with his previously unknown behavior.

The first person is because he should check the customer materials when selling, but he did not check. According to the requirements of the regulatory agency, the financial assets of the customer who buys the private equity fund should be more than 3 million yuan, and the actual investment is at least 1 million yuan. However, this person did not check the customer’s materials. As a result, the customer did not actually have 3 million financial assets, only more than 1 million, so the customer bought the product.

Chen Yi doesn't care about this, because sales are divided into direct sales and agency sales. Direct sales, as the name suggests, are direct sales by the market personnel of the fund company, while agency sales entrust an agency to conduct agency sales. These soliciting sales and the work on related materials are the responsibility of the actual sales agency.

The product that Chen Yi did on the sales roadshow was sold by Shanghai Securities, and the first problematic case was direct selling, so he learned some relevant precautions, but as far as his previous product sales are concerned, This first type of error has nothing to do with him.

The second person did not make appropriate matching. Chen Yi knows that each product may face different risks depending on the investment situation. According to the requirements of the regulatory agencies, the risks are divided into "low risk", "medium-low risk", "medium risk", and "medium risk". The five categories of "medium-high risk" and "high risk" correspond to a questionnaire survey on the risk tolerance of investors before purchasing products, so as to score according to the national unified standard given by the regulatory agency, and the scoring result is still divided into There are five categories: "low risk", "medium low risk", "medium risk", "medium high risk", and "high risk".

The so-called appropriateness matching refers to matching customers with different risk levels and products with different risk levels. Customers can purchase products with the same risk level as their own risk level or lower than their own risk level, but You cannot buy products with a higher risk level than yourself.

Therefore, generally speaking, when a customer purchases a product, a risk level matching test is required. However, this second person did not perform a risk level matching test for the customer, so he recommended the product with the highest risk level to the customer. Understand these processes and see that the recommended product returns are very impressive. I bought the product as soon as I was excited. After all, it is high-risk and high-yield. The higher the risk level, the higher the corresponding return may be obtained.

The customer only saw the benefits, but did not see the risks. The second market manager who was punished did not remind the customer of the risks. After that, the product suffered a large loss for some reasons. The customer wanted to recover the loss, but which fund company would compensate for the loss. Woolen cloth? Ruiming Investment didn't care about this client at all. The client found the regulator. The regulator originally intended to mediate, but after understanding the situation in detail, it took away the second market manager and imposed a penalty.

Seeing these Chen Yi is also a warning, but he is not worried because he will not directly contact customers this time on consignment sales. The contact managers are all account managers of Shanghai Securities. Therefore, he just cited these things. Think of it as a warning, thinking about paying more attention to it at work in the future.

Chen Yi continued to look at relevant legal documents and relevant supervision cases.

The third market manager who was punished was punished because he colluded with the client and broke the minimum threshold for private equity fund raising.

Chen Yi knows that the minimum investment threshold for private equity funds is one million yuan, but one million yuan is used to invest in a lump sum, especially private equity securities that do not disclose holdings. If you don’t have a certain understanding of fund managers , If it’s not for your own wealth, it’s more difficult for the average person.

This is actually quite normal. Private equity funds set such a threshold because private equity funds have relatively high risks and are not suitable for most people with low risk tolerance. A normal threshold for access to funds can have a certain filtering effect. of.

However, many people only see the possible benefits of private equity funds, but do not consider the risks that private equity funds may face, so they try to break through this minimum threshold.

As the market staff of fund companies improve their sales performance, they will have more commissions and more income. They also have an incentive to relax the standards for customers to purchase products. In this way, market staff of fund companies and customers are likely to hit it off and collude. The change direction breaks through the minimum standards set by the regulatory agencies.

This is the case for the third marketing manager who was punished. According to the content written in the legal document, the marketing manager took the initiative to tell the customer that he could find a few more people to collect one million, and finally buy the company’s products under one person’s name. , That customer was also very excited, so he asked seven or eight people to make a million together, and it was good at the beginning of the period.

But afterwards, because one of them wanted to redeem the product with the money in a hurry, and took their money back, but some people disagreed and wanted to keep holding it. The person who wanted to keep holding this kind of thing would give it to that person. If you want to redeem a sum of money from the person who uses the money, you can put the part he holds under his own name, but because there is no way to spend that much money for the time being, there is no way. If you want to redeem part of it, because the market value after the redemption is less than one million, according to the requirements of the regulatory agency, if the remaining amount after the redemption is less than one million, then all must be redeemed.

Some people want to redeem, and some do not want to redeem. Naturally, conflicts arise in that small group, but because the product is linked to the name of the person who does not want to redeem, there is no way for the person who wants to redeem. , I can only take the agreement signed by a few of them privately to have a different share of the funds to the regulatory agency. I hope that the regulatory agency can make a judgment. After getting their own money, the regulatory agency will pay it back. have to? This was a blatant violation of the law and regulations, so the regulatory agency intervened in the investigation, and the third market manager was punished for it.

Chen Yi frowned. Although he didn't know these people, seven or eight people made up one million in total. On average, everyone was more than one hundred thousand. The money was all in one person's name. It is conceivable how much trust there is. In this case, this kind of relationship has finally reached the level of being forced to seek mediation from a regulatory agency.