05-006 · EVIDENCE A · SOURCE-SENSITIVE
Walk away the moment you see “high returns,” “guaranteed returns,” or “sure profits”
看到「高收益」「保本」「稳赚」直接走开
Zero. Just pause for a moment when you encounter these phrases.
Regulatory authorities themselves state that any product offering a return rate above 6% should raise red flags, those above 8% are highly risky, and anything above 10% means you should expect to lose all your principal. Legitimate financial products are no longer allowed to guarantee returns or principal safety. Any losses incurred from participating in illegal fundraising efforts must be borne by the individual investor; there is no one to compensate you if things go wrong.
A
Move “Walk away the moment you see “high returns,” “guaranteed returns,” or “sure profits”” to Future Me's calendar
The excuse
If I do not open the notes, no new task has technically appeared.
What feels good now
Today I keep a few minutes and avoid interrupting my default routine.
What the source says
The source summarizes the return this way: “Regulatory authorities themselves state that any product offering a return rate above 6% should raise red flags, those above 8% are highly risky, and anything above 10% means you should expect to lose all your principal. Legitimate financial products are no longer allowed to guarantee returns or principal safety. Any losses incurred from participating in illegal fundraising efforts must be borne by the individual investor; there is no one to compensate you if things go wrong.” Evidence grade A. The original states the population, caveats, and sources; this is not a personal forecast.
Use the original facts and limits. For an urgent medical, safety, financial, or legal issue, contact a qualified local professional or service.
THE ENGLISH EDITION
Original recommendation and evidence
6. Walk away the moment you see “high returns,” “guaranteed returns,” or “sure profits”
Cost: Zero. Just pause for a moment when you encounter these phrases.
In plain terms: Regulatory authorities themselves state that any product offering a return rate above 6% should raise red flags, those above 8% are highly risky, and anything above 10% means you should expect to lose all your principal. Legitimate financial products are no longer allowed to guarantee returns or principal safety. Any losses incurred from participating in illegal fundraising efforts must be borne by the individual investor; there is no one to compensate you if things go wrong.
Benefit: In 2018, the former chairperson of the China Banking and Insurance Regulatory Commission stated at the Lujiazui Forum: “Any product offering a return rate above 6% should raise red flags, those above 8% are highly risky, and anything above 10% means you should expect to lose all your principal.” New regulations for asset management require financial institutions to “not guarantee returns or principal safety,” and also stipulate that “when facing difficulties in fulfilling payment obligations, financial institutions must not provide any form of financial support to honor their commitments.” Hence, legitimate financial products no longer offer any guarantee of principal safety. Any losses from illegal fundraising efforts are “to be borne by the individual investors themselves”; no one will compensate you if you suffer losses (China, 2018, 2021).
Evidence grade: A
Sources: Guo Shuqing (2018). Prevent and resolve financial risks and strive to cross major hurdles (Speech at the 10th Lujiazui Forum, National Financial Regulatory Administration of China official website): "In the process of cracking down on illegal fund-raising, we strive to use various methods to make the people realize that high returns mean high risks. If the return rate exceeds 6%, there will be a question mark. If the return rate exceeds 8%, it will be very dangerous. If it exceeds 10%, you will be prepared to lose all your principal." <https://www.nfra.gov.cn/cn/view/pages/ItemDetail.html?docId=182418>; Reprinted by Tianjin Local Financial Administration Bureau. <https://jrgz.tj.gov.cn/ztlm/ztzl/jrjfwphjr/202006/t20200625_2744709.html>; et al. (2018). Guiding Opinions on Regulating the Asset Management Business of Financial Institutions (Yinfa [2018] No. 106, Article 2, Article 6). <https://www.gov.cn/gongbao/content/2018/content_5323101.htm>; State Council of China (2021). Regulations on Preventing and Dealing with Illegal Fund-raising (State Council of China Order No. 737, Article 25). <https://www.gov.cn/gongbao/content/2021/content_5588815.htm>
Notes: The 6%, 8%, and 10% thresholds are estimates set by regulators based on practical experience, not formal legal provisions. These figures were mentioned in the context of cracking down on illegal fundraising efforts, and apply specifically to financial products and investment firms that promise unusually high returns. This information does not constitute any form of investment advice.
Source links
Read the complete Chinese source and notes
6. 看到「高收益」「保本」「稳赚」直接走开
成本: 不花钱。听到这几个词的时候停一下就行。
说人话: 监管部门自己的说法是：收益率超过 6% 就要打问号，超过 8% 很危险，10% 以上就要准备赔光本金。正规理财已经不许承诺保本保收益了。参加非法集资亏掉的钱，按规定由你自己承担，出事没人替你兜底。
收益: 原银保监会主席 2018 年在陆家嘴论坛上说过一句话。原话是：「收益率超过 6% 的就要打问号，超过 8% 的就很危险，10% 以上就要准备损失全部本金」。资管新规要求金融机构「不得承诺保本保收益」，还要求「出现兑付困难时，金融机构不得以任何形式垫资兑付」。所以正规理财已经没有保本这一说。参与非法集资的损失「由集资参与人自行承担」，出事以后没有人替你赔（中国，2018、2021 年）
证据等级: A
来源: 郭树清 (2018). 防范化解金融风险 奋力跨越重大关口（第十届陆家嘴论坛讲话，国家金融监督管理总局官网）：「在打击非法集资过程中，努力通过多种方式让人民群众认识到，高收益意味着高风险，收益率超过6%的就要打问号，超过8%的就很危险，10%以上就要准备损失全部本金」. <https://www.nfra.gov.cn/cn/view/pages/ItemDetail.html?docId=182418>；天津市地方金融管理局转载. <https://jrgz.tj.gov.cn/ztlm/ztzl/jrjfwphjr/202006/t20200625_2744709.html>；中国人民银行等 (2018). 关于规范金融机构资产管理业务的指导意见（银发〔2018〕106 号，第二条、第六条）. <https://www.gov.cn/gongbao/content/2018/content_5323101.htm>；国务院 (2021). 防范和处置非法集资条例（国务院令第 737 号，第二十五条）. <https://www.gov.cn/gongbao/content/2021/content_5588815.htm>
备注: 6%、8%、10% 这三条线是监管者按经验画的，不是法律条文。原话是在讲打击非法集资时说的，针对的是承诺高回报的理财产品和投资公司。不构成投资建议。
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