4亿一夜亏空！吹上天的香港保险，别再傻傻买了……
<p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;box-sizing: border-box !important;word-wrap: break-word !important;"><img class="rich_pages " data-copyright="0" data-ratio="0.5555555555555556" data-s="300,640" data-type="jpeg" data-w="900" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2Ftft1HVJPPkicpuSMVLqNpHIicjlCVVoktFmrPIDuyquDUz1CJ4N7M9AdhySEzw88nBQHRvBg89OibVPFjuibku5LAw%2F640%3Fwx_fmt%3Djpeg" style="box-sizing: border-box !important;word-wrap: break-word !important;width: 677px !important;visibility: visible !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 14px;">来源：大猫财经（微信ID：caimao_shuangquan）</span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 14px;">作者：猫妹 已获得转载授权</span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">“购安盛保险，遭欺诈亏光”、“安盛最大，呃人最深”……“四亿安盛保险一夜亏空”</span></strong><span style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">的文章配上维权拉横幅的图片，香港保险，又出现好大一个瓜。</span></span></p><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 20px;box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">01</strong></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">先帮大家简单捋一捋这事儿的来龙去脉：</span></p><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">▌</strong>以下是投保人方的说法：</span></p><section label="Copyright © 2017 playhudong All Rights Reserved." donone="shifuMouseDownPayStyle('shifu_lin_021')" style="margin: 0.5em auto;white-space: normal;max-width: 100%;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);border-width: initial;border-style: none;border-color: initial;width: 668px;box-sizing: border-box !important;word-wrap: break-word !important;overflow-wrap: break-word !important;"><section class="" style="padding: 1em;max-width: 100%;width: 668px;height: auto;overflow: hidden;background-color: rgb(248, 247, 247);border-bottom: 1px solid rgb(51, 51, 51);border-top-color: rgb(51, 51, 51);border-right-color: rgb(51, 51, 51);border-left-color: rgb(51, 51, 51);box-sizing: border-box !important;word-wrap: break-word !important;"><section style="padding-top: 0.8em;max-width: 100%;width: 634px;line-height: 1.5;box-sizing: border-box !important;word-wrap: break-word !important;"><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">数百位来自内地、新加坡、马来西亚等国的投保人，几年前通过不同地方的中介公司，投保了香港安盛发行的EvolutionHKIF产品。</span></p><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">购买后就碰上了<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">“每到申购日，净值就大幅上升，每到赎回日，净值就大幅下跌”这样的邪门事儿，然后在2018年年中，净值一夜之间暴跌95%以上。</strong></span></p><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">尽管如此，保险公司还在继续扣除账户建档费、管理费等费用，最后投保人发现自己的投进去的钱不但一分都没了，反倒还欠保险公司的钱。</span></strong></span></p><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">之后就是维权呗，保险公司承诺今年5月底给解决方案，一晃儿已经6月了，方案还没出来，投保人一怒之下拉横幅、发公开信，这事儿算是张扬了出来。</span></p><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="max-width: 100%;min-height: 1em;text-align: center;box-sizing: border-box !important;word-wrap: break-word !important;"><img class="rich_pages " data-copyright="0" data-ratio="0.5333333333333333" data-s="300,640" data-type="jpeg" data-w="900" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2Ftft1HVJPPkicpuSMVLqNpHIicjlCVVoktFBIr1SnyzrcWhzFKSfPuDOYichUPOEwD2oJUxkEk0ToEovE1zcJJ2gFQ%2F640%3Fwx_fmt%3Djpeg" style="box-sizing: border-box !important;word-wrap: break-word !important;width: 677px !important;visibility: visible !important;"></p></section></section></section><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 16px;box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">▌</span></strong></span><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">另一个当事人，香港安盛也发了声明，大意是：</span></p><section label="Copyright © 2017 playhudong All Rights Reserved." donone="shifuMouseDownPayStyle('shifu_lin_021')" style="margin: 0.5em auto;white-space: normal;max-width: 100%;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);border-width: initial;border-style: none;border-color: initial;width: 668px;box-sizing: border-box !important;word-wrap: break-word !important;overflow-wrap: break-word !important;"><section class="" style="padding: 1em;max-width: 100%;width: 668px;height: auto;overflow: hidden;background-color: rgb(248, 247, 247);border-bottom: 1px solid rgb(51, 51, 51);border-top-color: rgb(51, 51, 51);border-right-color: rgb(51, 51, 51);border-left-color: rgb(51, 51, 51);box-sizing: border-box !important;word-wrap: break-word !important;"><section style="padding-top: 0.8em;max-width: 100%;width: 634px;line-height: 1.5;box-sizing: border-box !important;word-wrap: break-word !important;"><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">● 这个EvolutionHKIF产品是投连险，有投资风险；</span></p><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">● 产品是经纪公司销售的，安盛没有直接给客户过投资建议；</span></p><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">● EvolutionHKIF挂钩的HKIF基金是由东航国际金融有限公司管理的，<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">安盛没有参与管理；</strong></span></p><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">● 这只HKIF是被要求加入Evolution的选项中的；</span></p><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">● 这个HKIF基金很有可能涉及欺诈活动，安盛已经报警了，等警方调查。</span></p><p style="margin: 0em 0.5em;max-width: 100%;min-height: 1em;text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="max-width: 100%;min-height: 1em;text-align: center;box-sizing: border-box !important;word-wrap: break-word !important;"><img class="rich_pages " data-copyright="0" data-ratio="1.281111111111111" data-s="300,640" data-type="jpeg" data-w="900" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2Ftft1HVJPPkicpuSMVLqNpHIicjlCVVoktF1zSrUm8af8Q0dB6pQrIe4ricJKgsDWzwRRolmq2DibyVArMx3fn1QDxw%2F640%3Fwx_fmt%3Djpeg" style="box-sizing: border-box !important;word-wrap: break-word !important;width: 677px !important;visibility: visible !important;"></p></section></section></section><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 20px;box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">02</strong></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">这件事情的蹊跷之处有几个：</span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">▌</span></strong><span style="font-size: 15px;max-width: 100%;background-color: rgb(255, 218, 81);box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">第一，Asia One（宏亚）保险经纪公司为何大力推介HKIF，它和东航国际金融有限公司有什么关系？</span></strong></span></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">从流出的推介资料看，Asia One（宏亚）把这个产品包装的非常高大上，说它是“专业投资者的离岸平台——安盛Evolution私人银行级的保险业务”，强调<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">“Evolution受到香港保监会、证监会监管”</strong>，同时“所有投资产品进入Evolution受安盛审核、查验资质”。</span></p><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">然后又专门推介Evolution下名为HKIF的基金，说它主要的投资标的包括“香港银行按揭业务的延伸”以及“收购及改造有潜质的物业”，并声称它<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">过去一年投资收益率为15.92%，历史投资收益达9%，并且预期年化收益也高达9%。</strong></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;box-sizing: border-box !important;word-wrap: break-word !important;"><img class="rich_pages " data-copyright="0" data-ratio="1.6144444444444443" data-s="300,640" data-type="jpeg" data-w="900" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2Ftft1HVJPPkicpuSMVLqNpHIicjlCVVoktFWYJialuAs3OlicwMFUBjErf6khAIYbHf62eCv1b88Kxo7MztbAlIKqOw%2F640%3Fwx_fmt%3Djpeg" style="box-sizing: border-box !important;word-wrap: break-word !important;width: 677px !important;visibility: visible !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">实际上，这只HKIF基金黑料并不少。投资的也不是什么香港物业，<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">基金底层资产存在次级按揭房贷和民间借贷。</strong></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">▌</span></strong></span></strong><span style="font-size: 15px;max-width: 100%;background-color: rgb(255, 218, 81);box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">第二，安盛声称这只HKIF是被要求加入Evolution的选项中的。从这描述看，安盛好像是被人联合“设局”，拉来给垃圾基金背书的。</span></strong></span></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">但如果没有安盛这个全球最大保险集团的金字招牌做背书，估计很多人也不敢贸然投这么一大票钱进去吧。</span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">有人认为安盛销售Evolution投连险类似内地的银行代销基金，但猫妹觉得这样类比不合适，因为银行代销基金只是做渠道，收的是基金公司给的销售佣金；<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">而安盛收的是管理费，客户是付钱的一方。</strong>都说出钱的是大爷，难道安盛拿了大爷的钱连尽责调查、风险提示都不需要做吗？</span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">只要说不是自己亲自卖的产品、也不是自己管理的基金，自己整个就一通道，投连险的风险客户自担，然后再以怀疑基金管理公司涉嫌诈骗报个警，那它这钱也太好赚了吧？</span></p><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 20px;box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">03</strong></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">太阳底下没有新鲜事，要说这投连险爆雷，其实并不新鲜。</span></p><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">或许很多人还不知道，就在我们身边，过去20年，已经出现过两次投连险风波。</span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">● 1999年，平安推出国内第一张投连险保单，平安世纪理财投资连结保险。随后的2000年，股市好的不要不要的，伴随着这样的牛市，保险代理人把这个产品吹上了天，收益被夸大，风险被忽略。结果，2001年，估算狂挫，投连险亏损，客户退保打上门来，围攻保险公司……</span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">这场投连险风波，<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">平安拿出巨额真金白银来补偿客户，做客户回访，花了很大力气才平息，以至于之后数年，平安都不碰投连险。</strong></span></p><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">● 2008年，投连险的诅咒又一次地轮回，2006至2007年资本市场的冲高让许多寿险公司忘了前车之鉴，卖投连险的同时存在销售误导，<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">导致在天津等地发生冲击银行柜面的事件，引发了集体退保潮。</strong>还好，有关部门及时处理，没有蔓延。</span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">▌</span></strong><span style="font-size: 15px;max-width: 100%;background-color: rgb(255, 218, 81);box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">香港的投连险会比内地“更靠谱”、“更高级”吗？</span></strong></span></span></p><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">同样的2008年，香港投连险也没闲着。</span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">2007年，资本市场好的时候，投连险同样的热销，但也出现了严重的投资误导，例如，以10%-15%的投资收益进行演示，淡化投资可能亏损的风险，避而不谈退保损失，隐瞒各项高额管理费用，等等。</span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">最终，严重的投资损失叠加这一系列的误导，<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">导致投连险“101保单”泡沫最终破裂，引得香港保险监管业出手对投连险进一步规范。</strong></span></p><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 20px;box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">04</strong></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">如何看投连险？猫妹一直认为，投连险的存在，在保险行业，算是一个“奇葩”，<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">因为它跟你认为的保险差别很大，并不“保险”。</strong></span></p><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">▌首先，投连险的保障功能非常非常的弱。</span></strong></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">比如这次出事的Evolution也被叫做105投连险，所谓的105就是被保险人一旦身故，身故保险金投资账户价值的105%——<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">其中100%是你自己的钱，多出的5%是保险公司提供的身故赔偿。</strong>105%，就是这款产品功能的全部保障杠杆了。</span></p><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">▌其次，投连险的风险极高。</span></strong></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">没有保底，投保人选择投资账户后，保费扣除各种费用、保障成本后进入投资账户进行投资，<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">此后的收益、亏损，完全由个人承担。</strong></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;">● </span>内地的保险公司，</span></strong><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">账户是保险公司来设定的，分为不同风险等级，需要向监管部门报备，但资金投向并不完全透明，可投资的范围非常大，从低风险存款到各类基金、高风险的股票、期权等皆可投资；</span></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;">● </span>而香港的投连险，</span></strong><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">保险公司提供N只基金，客户自己选投一只或几只，还可以挂钩外部基金产品，虽然这条常常被描述为香港投连险的优势，但其实保险公司对基金缺乏约束，也蕴含着巨大的风险。</span></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">不管是哪一种形态，对客户的风险承受能力、投资专业能力皆有要求。</span></strong><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">因为投连险的核心就是基金，需要投资者自负盈亏，</span></strong><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">但因为叠加了“保险”外衣，产品变得更为复杂难以理解，也让销售人员有了更大的误导空间，更容易出事。</span></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">但很可惜，绝大部分保险客户对保险的认知，都没有那么深入，甚至认为只要是保险，就一定“保险”，认为演示收益就是真实收益，一定能保本保收益，殊不知，<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">看似四平八稳的“保险”产品里还混着这么高风险的产品。</strong></span></p><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 20px;box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">05</strong></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">让客户血本无归的，香港安盛并不是第一个，也不会是最后一个，猫妹敢打赌，用不了十年，肯定还有类似事件发生。</span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">你能做的，就是看别人的故事，涨自己的经验。</span></p><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">❶ 投连险这样的产品尽量不碰，</span></strong><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">除非你对这类产品的运作模式、这家保险公司的投资能力有足够的了解。</span></strong><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">猫妹有投资投连险，且有一段时间了，最惨的时候账户亏10%+（和你的股票比算好的吗？），最好的时候赚10%。现在？不用说，看看股市就知道，怎么涨的又怎么跌回去了呗。但猫妹心态好，知道这些钱投进去以后会发生什么，所以还算淡定。但如果没有这个心理准备，突然看到自己买的“高收益”保险“亏损”这么多，会是什么心情？</span></span></p><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">❷ 外来的和尚会念经这句话，就别迷信了吧。</span></strong></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">虽然香港保险公司招募了很多到香港念大学的高材生去卖保险，包括不少高考状元，使得整体销售水准大幅提升，但肿么说呢，利字当前，就难免有销售误导。</span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">香港的保险产品就一定比咱家门口的好？香港的保险产品收益就一定高？风险不是照样存在吗！横幅还不是一样拉起来！别的不知道，<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">维权难度确实比咱家门口高好几个level。</strong></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;box-sizing: border-box !important;word-wrap: break-word !important;"><img class="rich_pages " data-copyright="0" data-ratio="0.5333333333333333" data-s="300,640" data-type="jpeg" data-w="900" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2Ftft1HVJPPkicpuSMVLqNpHIicjlCVVoktFX8rSn9cCAoSejU00QU4dCr5st9icRXDib0PrD4TKUqy0zPuvrRKn5ib9A%2F640%3Fwx_fmt%3Djpeg" style="box-sizing: border-box !important;word-wrap: break-word !important;width: 677px !important;visibility: visible !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">当年的平安是拿了巨额的真金白银赔给客户的，安盛这次会吗？香港的保险监管机构什么时候发声？</span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">目前都还未知。</span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="font-size: 15px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">不要过分迷恋保险公司的投资能力。</span></strong></span></p><p style="margin: 0em 0.5em;white-space: normal;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">保险，并不是所有时候都保险。</span></p><section data-role="outer" label="Powered by 135editor.com" style="white-space: normal;font-size: 16px;"><section data-role="outer" label="Powered by 135editor.com"><p style="font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><img class="" data-ratio="0.01875" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FtR4oE3Sdg1WfMDKkkhpLWCGSbPicicKHHjgAKcQ6jP5yUTuJQGhL3Ic6NDDZkTtjXdsIzciav75rjRicsdJDJ8qFJQ%2F640%3Fwx_fmt%3Djpeg" data-type="jpeg" data-w="640" width="auto" style="line-height: 24.381px;color: rgb(136, 136, 136);font-size: 12px;visibility: visible !important;width: auto !important;"><br></p><p style="margin-bottom: 10px;line-height: 25.6px;color: rgb(62, 62, 62);font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><span style="font-size: 12px;color: rgb(136, 136, 136);"><label name="em_weixinhao" style="zoom: 1;"><span style="line-height: 24px;">(</span></label></span><span style="line-height: 24px;font-size: 12px;color: rgb(136, 136, 136);">版权声明：“商学院”所推送的文章，除非确实无法确认，我们都会注明作者和来源。部分文章推送时未能与原作者取得联系。若涉及版权问题，烦请原作者联系我们，与您共同协商解决。联系方式：<span style="line-height: 24px;">15210618901，商务合作请加微信15210618901。</span>) </span></p></section></section>
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