除了股票投资之外，其他投资产品也存在着相关的法律维权，新望闻达律师事务所宋一欣律师表示，此类维权多属于合同纠纷。

In addition to the stock investment,Other investment products there are legal rights,XinWang Song Yixin heard by law firm lawyers said,Such rights belong to the contract dispute.

　　此前曾有购买理财产品巨亏的投资者上诉成功的案例。投资者宋文洲在2008年3月购买了一款渣打银行的理财产品，一年多内亏损5300万元。

Have to buy financial products appeal success losses of investors.Investors Song Wenzhou purchased in March 2008 with a standard chartered bank wealth management products,Loss of 53 million yuan more than a year.

　　此后，宋文洲花费两年时间、投入近1000万元和渣打打官司，并最终胜诉，追回亏损。

Since then,Song Wenzhou spent two years time/Spent nearly 10 million yuan and standard chartered a lawsuit,And eventually won,To recover losses.

　　不过，不仅耗费的人力、物力巨大，普通投资者可能无法做到，宋文洲能够胜诉还有一个关键，就是提供了录音证明。正是这段录音证明，表明渣打银行的客户经理在推销产品时承诺“可以提前赎回”，事后又拒绝提前赎回。

but,Not only cost of manpower/Material resources huge,Ordinary investors may not be able to do it,Song Wenzhou can win a key,Is to provide the proof of recording.It is this proof of recording,Showed that standard chartered bank customer manager promised when marketing products"Can be redeemed in advance",Afterwards is refused to early redemption.

　　如果没有这样的证明，仅仅凭合同，宋一欣认为投资者一般难以获得胜诉。北京盈科律师事务所合伙人臧小丽曾经遇到过类似的委托理财案件。证券公司的客户经理或投资顾问和投资者约定，由投资者出钱，自己来操作，赚了按比例分，亏了保本。但最后真的面临亏损，掏钱的只有投资者自己。

If there is no such proof,Only by the contract,Song Yixin think investors generally difficult to succeed.Beijing yingke law firm partners ZangXiaoLi have encountered similar cases of entrust finance.Securities company customer manager or the investment advisers and investors agree,Paid by the investors,To operation,Made in proportion,Lost capital preservation.But in the end really losing money,Pay only investors themselves.

　　然而，由于合同中没有保本条款，并且证监会规定不能在合同中写保本条款，在没有其他证据的情况下，投资者即使上诉也只能以败诉告终。

however,Due to no capital protection clause in the contract,And can't write a break-even clause in the contract prescribed by the CSRC,In the absence of other evidence,Investors can only end in losing even appeal.

　　“除非合同有不公平性，如霸王条款，或者对方明显违约，投资者上述获胜可能性才较大。”宋一欣说。

"Unless the contract has not fairness,Such as the overlord terms and conditions,Or other obvious breach of contract,Investors the win probability is bigger."Song Yixin said.

　　除了理财产品，基民也加入到维权的大军中。但维权道路同样艰难。2006年，一名姓袁的投资者花5万元钱买入了10万份南方“南方稳健2号”证券投资基金，并选择了“现金分红”的基金分红方式。

In addition to the products,Also join the army of the rights of people.But human rights equally difficult road.In 2006,,A surnamed yuan investors spend 50000 yuan to buy 100000 south"The south sound 2"Securities investment funds,And select the"The cash dividends"Way of fund dividends.

　　但是，这位投资者在2年多时间内一直没得到分红。后来随着熊市到来，基金亏损惨重。投资者随即将南方基金告上法庭，认为南方基金没有遵照约定分红，擅自将她的钱拿去再投入股票，造成了自己的经济损失，要求南方基金管理有限公司赔偿红利损失和利息6万余元，并退还管理费。

but,The investors haven't get bonuses for more than two years time.Later with the bear market,Fund huge losses.Investors would then southern fund to court,Don't think the south fund dividends according to agreed,Without authorization will be her money back into stocks,Caused its economic loss,Southern fund management co., LTD. Damages for dividends and interest of more than 60000 yuan,And return the fee.

　　然而，2010年3月，中国国际经济贸易仲裁委员的裁决认为，“南方稳健2号”基金在2007年具备分红条件，未分红的确南方基金违约；但其未分红的行为，和该投资者的财产损失之间无必然因果关系。

however,In March 2010,The China international economic and trade arbitration committee ruled,"The south sound 2"Funds for dividends in 2007,Not share out bonus is the south fund defaulting;But its not the behaviour of share out bonus,And not necessarily cause and effect relationship between the investor's property loss.

　　另外，购买保险也很有可能误入陷阱。一位60岁的老太太，因为听信银行柜台人员的宣传，买了一份“收益高于存款，五年内随时可取出，五年后一次性取出利息最大”的保险产品。但柜台人员却没有告诉老太太，如果中途想要退出，不但没有利息，还要遭受损失。老太太没有上诉，希望通过向公司投诉维权，同样未果。

In addition,Buying insurance is likely to go trap.A 60-year-old woman,Because listen to the bank counter personnel propaganda,Bought a"Income is higher than the deposit,Five years from at any time,Five years later one-time took the biggest interest"Of insurance products.But the counter staff didn't tell the old lady,If you want to exit,Not only have no interest,Also suffered damage.The old lady didn't appeal,Hope that through to the company's rights complaints,Also failed.

　　在金融生活中，经常会遇到权益被侵犯的情况。但诸多案例证明，金融维权的难度高、成功概率小，对于投资者来说，只有尽量看清楚合同条款，避免权益受到损害，或者在销售人员推销时留下记录，才能最大限度地维护自己的权益。

In financial life,Often rights violated.Many cases prove it,The difficulty of financial rights/Small probability of success,For investors,Just try to read the terms of the contract,Avoid the rights and interests are harmed,Or when the sales staff sales record,To maximize the maintenance of their rights and interests.