年化收益率超8%？网红“新存款”调查：谁在动你的钱包

Core Viewpoint - The recent trend of "new deposits" promoted on social media is actually a repackaged old model of "premium financing," which conceals multiple risks despite appearing to offer guaranteed returns [1][2][3]. Group 1: High Yield Marketing Tactics - Promotional content for "new deposits" often employs a template of "high yield + low threshold + strong endorsement" to attract attention [2]. - Claims of guaranteed returns and low risk are prevalent, with minimal mention of potential risks such as fluctuating loan rates and early withdrawal penalties [2][3]. - The marketing strategy includes analogies to real estate investments, suggesting that consumers can leverage loans against insurance policies to maximize returns while only paying a fraction of the premium [2][3]. Group 2: Nature of "New Deposits" - The so-called "2025 new deposits" are essentially a form of premium financing, where policyholders take loans from banks to purchase new insurance policies, using the policies as collateral [3]. - This financing model was popular a decade ago but has since declined due to changing market conditions and increased regulatory scrutiny [3]. - The risks associated with policy loans include the potential for policy lapse if the loan balance exceeds the cash value of the policy, which can lead to loss of insurance coverage [3]. Group 3: Sales Practices and Consumer Interaction - Influencers promoting "new deposits" often follow a consistent lead generation process, focusing on high-budget clients while neglecting those with lower investment amounts [5]. - The sales representatives, often labeled as "financial advisors," claim to provide tailored services but may downplay risks and emphasize safety and high returns [5][6]. - There is a notable lack of transparency regarding the true nature of the financing arrangement, leading to consumer misunderstandings about their financial obligations [7]. Group 4: Industry Response and Regulatory Concerns - Industry experts are calling for stricter management of insurance sales channels to protect consumers from misleading promotions [6]. - The Hong Kong Monetary Authority has previously issued warnings about the risks associated with premium financing, highlighting the need for consumers to assess their financial situations carefully [6][7]. - Complaints have surfaced regarding misleading sales practices, including false assurances about guaranteed returns and inadequate assessments of clients' financial capabilities [7].