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Chen Yi thought of these shortly, the computer screen popped up again: "well-known private equity fund" Ruiming Investment "heavy warehouse stepped on the mine" decorative design "", "". "" decorative design "sudden thunderstorm, private equity big brother was not spared", "shocked private rollover, heavy stocks suspected of financial fraud." So many news.

Chen Yi point by point to see, the more you look at the more alarmed, I have to say that the speed of these journalists is simply too fast, just like a cat smelling fishy, a swarm of people are reporting on this matter.

It didn't take long for public information about the company's history to be released, including the public introductions of the three fund managers and the relevant cases involving the history of the company, including the case histories of the various market managers who had violated the rules since Andrew Chen's divine plan.

It would have taken a lot of serendipity and patience to figure all this out without deliberate attention and search.

But now because of the heavy position of the company suspected of financial fraud, the stock market in the various media, each reporter is like a human flesh search machine, began to find Ruiming Investment has nothing to cause the market's attention, after all, this is a private securities funds ah, private securities funds in the market but low-key very much, we are to these private securities funds in the people many are big brothers, this industry is very low-key, very mysterious, now it is not easy to have a position in the stock, but also a heavy position in the stock of such a big thing, naturally caused a lot of people in the market's attention.

The financial media and news reporters are indeed very capable, and in just a few hours they have collected, organized and presented the vast majority of the public history of Ruiming Investment. Although every matter is briefly mentioned a few sentences, but this is a primer, knowing the general things, there will be interested people to go to the relevant legal documents online to search, thinking that all the information is public, so it is not difficult to obtain.

Chen Yi's social experience is relatively small, but he is not a foolish sweetheart, he is not a very simple and naive person. After seeing what the media had sorted out about Ruiming's investment, he first went to the relevant legal document website and searched for it.

Chen Yi read every legal document and relevant case in detail, and he found that since the fund manager named Alice Chen was reported for rat-holding and insider trading and was punished by the regulator as "banned for life from the industry", Ruiming Investment has had a number of market managers before and after, each of them was not very old when they were punished, and all of them were similar to him, and each of them had violated the fundraising rules, causing damage to the company's reputation and being sued by the company, which resulted in a considerable amount of money being paid out.

Although the legal documents for each of these cases clearly stated that the mistake was the result of the market manager's misconduct in collecting and selling funds for his own personal benefit, the fact that so many market managers were like this, and that each of them had the same problem, made Chen Yi feel that something was wrong.

Although Chen Yi couldn't figure out what was going on, and he trusted the law and the rulings of the regulatory bodies, something just didn't seem right, but he didn't know what exactly was wrong, and when he looked at the ages of the people who were punished and their jobs, Chen Yi felt a chill all over his body. Although Chen Yi didn't figure out what was going on, he knew that he was in a situation that was too similar to those who had been punished in history, or in other words, exactly the same.

Chen Yi then took a closer look at the details of how these people were punished, he wanted to see what exactly went wrong when they were soliciting sales, how could so many people fall into the pit successively?

At this time, Chen Yi still holds the attitude of learning, having the responsibility to change, and doing nothing to improve, in his view should be simply improper operation, or because of personal interests and other reasons, some of the processes or steps should have no, resulting in problems.

He wants to learn a bit, to save himself from committing similar problems again, knowing that at this time he still has no doubts about Ruiming Investment, and I wonder if it's true that he has no doubts at all? Still, he had his doubts but was unwilling to admit them. However, it must be said that Chen Yi is a very trusting person.

In addition to being able to fill in the gaps and improve his ability to avoid risks, Chen Yi also wanted to see if there were any problems with his unknown behavior so far.

The first person because in the sales should first check the customer materials, but he did not check, according to the requirements of the regulatory agencies to buy private equity clients financial assets should be more than three million yuan, the actual contribution to the purchase of at least one million, but this person did not check the customer's materials, resulting in customers actually do not have three million financial assets, only more than one million, let the customer to buy the product.

This is something Chen Yi does not care about, because sales are divided into direct sales and distribution. Direct sales, as the name implies, are conducted by the marketing staff of the fund company, while distribution is entrusted to an agency to conduct sales. The actual sales organization is responsible for the collection of the sales and the work on the related materials.

The product in which Chen Yi did the sales roadshow was sold by SCB Securities, while the first case was a direct sale, so he learned the relevant precautions, but he had nothing to do with this first type of error as far as his previous product sales were concerned.

The second one was not matching appropriateness. According to the requirements of the regulatory authorities, the risk is classified as "low risk", "medium low risk", "medium risk", and "low risk". Five categories, "medium-high risk", "high risk", and "high risk", corresponding to the need to conduct a questionnaire survey on the risk tolerance of investors before buying the product, so as to score in accordance with the unified national standards given by the regulatory agencies. The scoring results are still classified as "low risk", "medium low risk", "medium risk", "medium high risk "The so-called appropriateness matching is to match customers with different risk levels and products with different risk levels with each other.

The so-called appropriateness matching is to match customers with different risk levels and products with different risk levels with each other. Customers can buy products with risk levels equal to or lower than their own risk levels, but they cannot buy products with higher risk levels than themselves.

So generally speaking, customers need to do the risk level matching test when they buy products, but the second person did not do the risk level matching test for customers, and recommended the product with the highest risk level.

The customer only saw the return, but not the risk, and the second market manager who was punished did not remind the customer of the risk, then the product lost a lot of money for some reasons. The client approached the regulator, who was going to mediate, but after understanding the situation in detail, they took away the second market manager and imposed a penalty.

Chen Yi also took this as a warning, but also did not worry, because he is a sales agent will not be in direct contact with customers, the contacts are the account managers of Shanghai Securities, so for these things he just take a warning, thinking that in the future in the work more attention.

Chen Yi continued to look at the relevant legal documents, relevant regulatory cases.

The third market manager who was punished was punished because he conspired with his clients to break the minimum threshold of private equity fund raising.

The first time I saw the company, I thought it would be a good idea to take a look at the company's website.

This is actually very normal, private equity funds set such a threshold is because the risk of private equity funds is relatively high, not suitable for the low risk tolerance of most people, normal such a capital access threshold can play a certain filtering effect.

But many people only see private equity funds may gain, but did not take into account the private equity funds may face the risk, so try to break through this minimum threshold of restrictions.

The fund company's market personnel because of the improved sales performance, they will have more commissions, will have more income, also have the incentive to relax the standard for customers to buy products, so the fund company's market personnel and customers are likely to be in tandem, conspiracy to break through the regulatory agencies set minimum standards.

This is the case with the third market manager who was penalized. According to the legal documents, the market manager took the initiative to tell the client to find a few more people to make up a million dollars, and eventually hung one person's name to buy the company's products.

Originally, the person who wanted to continue to hold the product should give the person who wanted to redeem the money a sum of money and transfer the part he held to his own name, but because he couldn't take that much money at the moment, he couldn't do it. If one wants to redeem some of the money, because the market value after redemption is less than one million, according to the requirements of the regulator, if the amount remaining after redemption is less than one million, then the entire amount must be redeemed.

Some want to redeem, some do not want to redeem, that small group of people naturally caused a conflict, but because the product is listed in the name of the person who does not want to redeem, so the person who wants to redeem has no way, but to take the original few of them privately signed the agreement of each person in accordance with the amount of funds to take a different share of the regulator, hoping that the regulator can make a judgment, after their own money back. What's the big deal when regulators look at it? This is a blatant violation of the law, so the regulator stepped in to investigate, and the third market manager was punished.

Although he didn't know these people, seven or eight people pooled together a total of one million, with each person averaging more than 100,000, and the money was in one person's name.