Strict Standards: Non-static method DB::connect() should not be called statically in /__handel2/config/db.php on line 28

Strict Standards: Non-static method DB::parseDSN() should not be called statically in /PEAR/DB.php on line 520

Strict Standards: Non-static method DB::isError() should not be called statically in /PEAR/DB.php on line 551

Strict Standards: Non-static method DB::isError() should not be called statically in /PEAR/DB.php on line 557

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 29

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1293

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1302

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1602

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1612

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1629

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1475

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1485

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1536

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1602

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1612

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1629

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method xajaxPluginManager::getInstance() should not be called statically, assuming $this from incompatible context in /__handel_admin/lib/xajax.inc.php on line 194

Strict Standards: Non-static method xajaxPluginManager::getInstance() should not be called statically, assuming $this from incompatible context in /__handel_admin/lib/xajax.inc.php on line 624

Strict Standards: Non-static method xajaxPluginManager::getInstance() should not be called statically, assuming $this from incompatible context in /__handel_admin/lib/xajax.inc.php on line 552

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1293

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1302

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1602

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1612

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1629

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1602

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1612

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1629

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1602

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1612

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1629

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1229

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1238

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1154

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1293

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1302

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1602

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1612

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1629

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1475

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1485

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1536

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1602

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1612

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1629

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1602

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1612

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1629

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1293

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1302

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1602

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1612

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1629

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method HTML_QuickForm::registerRule() should not be called statically in /__handel_admin/lib/SoftRequired.php on line 66

Strict Standards: Non-static method HTML_QuickForm_RuleRegistry::singleton() should not be called statically in /PEAR/HTML/QuickForm.php on line 354

Strict Standards: Declaration of HTML_QuickForm_hidden::accept() should be compatible with HTML_QuickForm_element::accept(&$renderer, $required = false, $error = NULL) in /PEAR/HTML/QuickForm/hidden.php on line 34

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method PEAR::isError() should not be called statically, assuming $this from incompatible context in /PEAR/HTML/QuickForm.php on line 603

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1602

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1612

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1629

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1602

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1612

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1629

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1293

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 955

Strict Standards: Non-static method DB::isManip() should not be called statically, assuming $this from incompatible context in /PEAR/DB/pgsql.php on line 323

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 960

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB/common.php on line 1302

Strict Standards: Non-static method DB::isError() should not be called statically, assuming $this from incompatible context in /PEAR/DB.php on line 1288

Strict Standards: Non-static method DB::isError() should not be called statically in /__handel2/config/db.php on line 51

Warning: Cannot modify header information - headers already sent by (output started at /__handel2/config/db.php:28) in /www2.hurtidetal.pl/index.php on line 231
Wystawcy weksli inwestycyjnych kuszą wysokimi zyskami. W razie ich upadłości inwestorzy nie są w żaden sposób chronieni

Gospodarka

Wystawcy weksli inwestycyjnych kuszą wysokimi zyskami. W razie ich upadłości inwestorzy nie są w żaden sposób chronieni

Środa, 04 marca 2020
Inwestycje w weksle kuszą zyskiem 6–10 proc. w skali roku. To kilkukrotnie więcej niż w bankach na lokatach. Urząd Ochrony Konkurencji i Konsumentów ostrzega jednak przed takimi produktami. Firmy, które emitują weksle inwestycyjne, próbują ominąć wymogi dotyczące emisji obligacji korporacyjnych. – Taka inwestycja nie jest chroniona gwarancjami Bankowego Funduszu Gwarancyjnego, w związku z czym istnieje ryzyko, że konsument nie odzyska wpłaconych pieniędzy – podkreśla Agnieszka Majchrzak z UOKiK.
Celem zwykłego weksla jest dodatkowe zabezpieczenie długu. Wątpliwości urzędu budzi fakt, że z pieniędzy uzyskanych w emisji weksla udzielane są pożyczki.

– W prawie funkcjonuje tylko pojęcie zwykłego weksla, nie ma czegoś takiego jak weksel inwestycyjny. Niektórzy przedsiębiorcy, aby ominąć wymagania dotyczące emisji obligacji korporacyjnych, wykreowali ten produkt jako nowy sposób pozyskiwania kapitału. Konsument może kupić taki weksel, a z tych pieniędzy emitent udziela przedsiębiorcom pożyczek, których zabezpieczeniem są ich nieruchomości. To transferowanie pieniędzy budzi nasze wątpliwości, bo nie wiadomo, czy konsument w ogóle odzyska pieniądze – podkreśla w rozmowie z agencją Newseria Biznes Agnieszka Majchrzak z Urzędu Ochrony Konkurencji i Konsumentów.

Zgodnie ze zmienionymi przepisami papiery wartościowe muszą zostać zarejestrowane w Krajowym Depozycie Papierów Wartościowych. Taka regulacja pojawiła się w związku z aferą z obligacjami korporacyjnymi firmy GetBack. Obowiązek ten nie dotyczy jednak weksli. Nie podlegają one również ustawie o ofercie publicznej czy o obrocie instrumentami finansowymi, pieniądze nie są więc właściwie zabezpieczone.

– Firmy, które emitują weksle inwestycyjne, próbują niejako ominąć dosyć restrykcyjne wymogi dotyczące emisji obligacji korporacyjnych, czyli np. obowiązek przedstawienia dokumentu ofertowego czy warunków emisji obligacji. W związku z tym osoba, która decyduje się na taką inwestycję, może nie mieć wystarczających informacji o ryzyku – mówi ekspertka.

Taka osoba ma za to perspektywę szybkiego wzbogacenia się, ponieważ emitenci weksli inwestycyjnych nieruchomościowych deklarują zyski na poziomie 6–10 proc.

– Firmy, które emitują takie weksle, oferują tę inwestycję jako atrakcyjną formę lokowania pieniędzy. Wielu konsumentów zamiast wybierać standardową lokatę, będzie chciało zainwestować w taki weksel inwestycyjny. Jednak apelujemy do konsumentów, bo to inwestycja obarczona dużym ryzykiem, nie jest chroniona gwarancjami Bankowego Funduszu Gwarancyjnego – ocenia Agnieszka Majchrzak. – BFG dotyczy naszych oszczędności zgromadzonych w bankach oraz w SKOK-ach do 100 tys. euro.

To oznacza, że w przypadku upadłości emitenta weksli konsumenci mogą nie odzyskać swoich pieniędzy. Urząd przygląda się tym produktom i jeżeli będą podstawy, rozpocznie postępowania wyjaśniające.

– Zawsze musimy pamiętać o ryzyku, które się wiąże z jakąkolwiek inwestycją, zwłaszcza z taką, która nam obiecuje szybki zysk. Nie ma czegoś takiego jak oferty bardzo szybkiego, bezpiecznego i pewnego zysku – przypomina ekspertka UOKiK.

Radzi, aby dokładnie przeanalizować każdą ofertę, zwłaszcza taką, która oferuje znacznie większy zysk niż np. lokata bankowa czy obligacje korporacyjne. W przypadku wątpliwości można zgłosić taką ofertę do Rzecznika Finansowego, Komisji Nadzoru Finansowego oraz UOKiK.

– Potrzebne są nam zrzuty ekranu, SMS-y, które ktoś dostał od firmy, umowa, którą zawarł, regulaminy, adres strony internetowej, numer telefonu. Im więcej informacji, tym lepiej. Prosimy każdego konsumenta o to, żeby robił zrzut ekranu oferty, którą przegląda, żeby nie informował nas enigmatycznie o jakiejś inwestycji, tylko dostarczył nam konkretne dowody. Takie informacje pozwolą nam zidentyfikować i namierzyć osoby, które mogą stać za danym procederem, i prowadzić postępowanie w sprawie – apeluje Agnieszka Majchrzak.




źródło: newseria.pl


tagi: weksle inwestycyjne, piramidy finansowe, inwestycje, lokowanie kapitału, oszczędności, UOKiK,


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