Core Viewpoint - The article highlights the risks associated with various deceptive financial practices, particularly through live streaming and celebrity endorsements, emphasizing the need for consumers to exercise caution and conduct thorough research before investing in financial products [5][8][12]. Group 1: Live Streaming Scams - Fraudsters exploit the low entry barriers and wide reach of live streaming platforms to create false identities as "financial experts" and promote fake financial products, emphasizing "high returns" and "zero risk" to mislead consumers [7]. - A case study illustrates how an individual, lured by promises of a 20% annual return, lost 50,000 yuan after the platform became inaccessible and the promoter disappeared [5]. Group 2: Celebrity Endorsements - Some P2P platforms utilize the influence of celebrities to create a "authority effect," which enhances consumer trust, leading them to overlook potential risks [11]. - A case study shows that a woman lost 100,000 yuan after investing in a P2P platform endorsed by a celebrity, which turned out to be unlicensed and made false promises of capital protection [8][12]. Group 3: Misleading Borrowing Practices - Certain illegal financial advertisements mislead consumers regarding borrowing products by highlighting attractive terms while concealing hidden costs like service fees and penalties, resulting in much higher effective interest rates [15]. - A case study of a student who borrowed 5,000 yuan illustrates how he ended up with a debt of 50,000 yuan due to misleading advertising and a lack of stable income [13].

极目新闻记者 刘闪 实习生 张天 高墨瞳 今年5月15日，是第七个"5·15全国投资者保护宣传日"。自央行5月7日实施降准降息政策后，多家中小 银行陆续下调存款利率。其中，多数中小银行执行新的存款利率后迈入"1时代"，我们普通投资者该如 何进行投资？极目新闻记者采访了业内专家。 多家中小银行下调存款利率 5月7日举行的国新办新闻发布会上，中国人民银行行长潘功胜宣布：降准0.5个百分点，向市场提供长 期流动性约1万亿元，并降低政策利率0.1个百分点；下调个人住房公积金贷款利率0.25个百分点。 武汉科技大学金融证券研究所所长王伟分析，央行和金融监管总局、证监会出台了"一揽子金融政策支 持稳市场稳预期"政策，其中降准降息旨在稳定市场和提升消费，然而，这一政策也对居民投资收益带 来一定影响，受LPR下调、存量房贷利率调整、让利实体经济等多重因素影响，银行净息差持续收窄， 资产收益减少，需要调整收益和负债成本，因而导致存款利率下降。不过，他认为，当前利率已处低 位，进一步下调对投资和消费刺激作用有限，短期内存款利率大幅下调的可能性已经不大。 避免盲目投资落入"高收益"陷阱 当银行的利息变少了之后，普通投资者可能会将自 ...