主题：del -- 厚积薄发

不单单是外资行，国内的银行和保险类似的产品也很多，骗起老百姓来不遑多让

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参数变化，作者，声望:1；铢钱:16。你，乐善:1；铢钱:-1。本帖花:1

这是一个标准的简单structured product.

對購買者完全不公平:1.銀行自定指數高低。2.銀行可終止合約，購買者要交贖回費。3.名為存款，實為期貨合約。

从这两者中看，这个银行一开始就把客户资金的10%拿去作为自己的利润的一部分，或者对冲“投资”可能的损失。

也就是从一开始，客户就很难说保本。

至于心理骗术，是不是说，银行可以忽悠指数只涨不跌呢？

participate in this kind of financial derivatie speculation at the beginning.

1. In 2008, the sea transportation index collapsed (it started to decline in late 2007 already). Your relative panicked, but could not withdraw the majority of the money (redemption restriction).

2.Pretty much he or she deposited 50k dollars with that bank, lost all possible interest income and lost at least 10% of this 50k here.

ABN retail banking (private banking department) is selling derivatives (quite possibly created by the IB division inside the ABN, the IB is holding the counterparty position against your relative as the underwriter of this kind of contract) to depositors WITHOUT enough risk disclosure.

PBOC is totally sleepy here: it is missing out on its regulatory responsibility. As I mentioned on this forum before, U.S. private banking division inside each bank is not allowed to promote this kind of dangerous derivative contract to deposit clients.

should at least search Bloomberg terminal or google on this index first before entering this kind of stupid contract.

There is no dirty fine print here. Your relative is too greedy too.