輸打羸要 - don't you think so

The financial products being launched by banks and financial institutions should be governed by rules and regulations, which is the primary duty of the Government. The outlook of the 'mini-bonds' is a debenture, which is obviously as a layman, should be of low risk. The presentation as purported by one of the victims is that they are safe enough and therefore victims flocked in. Therefore, the questions are as follows:
1. derivative products which risks are not carefully explained but presented as a 'mini-bond' is itself misrepresented in the legal context ;
2. The Government officials need to examine whether they allow the use of 'bond' in the selling of these products which in fact is a derivative product; and
3. Even after the fall of Bear Sterns, the Hong Kong Monetary Authority still approved the launch of such derivative products in April 2008 which still described them as 'bonds'. Obviously, the issuer knew the credit risk, their own financial position before they launch the products at that time. In my opinion, this is a 'fraud'.

i don't agree with you. As you can see, they are not greedy, the return of the mini bonds are only a bit higher than fixed deposit. Actually. banks sales misled them.