Excess fat not only makes women feel inferior in their body, can not wear their favorite clothes, but also can cause obesity, increase blood pressure, blood fat, … but exercise does not bring results too quickly. need long-term persistence that makes people quickly discouraged. So many people have come to the method of dieting, using weight loss foods, using a belly belt … besides, there is a method that many people apply that is to use fat-soluble cream without knowing the side effects. of this item like. Abdominal fat melt cream is advertised as a quick weight loss product used by many people. Different from natural weight loss methods from vegetables or exercise. The cream will act directly on the fat area, burn and reduce measurements rapidly. With sweet advertisements such as “reduce from 8 – 10cm in the first 2 weeks of use” or “apply is beautiful, apply is thin”, “waistline 56 is only within reach” even many beautiful people, acting Tablets, MC also featured an advertisement for belly fat melt cream. On the association of mothers with milk and belly fat melted cream, many people spread their ears together as a means of salvation for mothers with postpartum bleeding. Ms. Nguyen Hoang Lan – Hanoi said that after giving birth, her second round child was still sagging, not as slim as before, so Lan tried to find products to help melt belly fat. Abdominal fat allergy photo. A bottle of belly fat melted Co B. brand was bought by Mrs. Lan for 375 thousand dong. According to the advertisement, when applying the fat-melt cream, it is advisable to take more film wrapped tightly to make the cream work. However, after 4.5 minutes of application, Ms. Lan had to take a shower quickly because of burning burns all over her stomach. The next day, the skin on the abdomen is constantly itchy, with blisters. Lan went to see a dermatologist and said she had an allergy to lipolytic cream. Or like Ms. Thuy Dung – Nam Dinh also uses two or three bottles of belly fat melt cream to get in shape. However, Ms. Dung said that after more than a year of using belly fat melt cream, she found that her belly was still stable at 82 cm. Has the fat-melting effect? At HCMC Dermatology Hospital, doctors have recorded cases of mild allergies with only a red, itchy rash on the spot. With severe allergies, there will be blistering, blistering, watering, and allergic pimples causing dermatitis. There have been many cases of atopic dermatitis due to lipolytic cream, long-term treatment is over. Dr. Tran Ngoc Anh – Lecturer of the Department of Dermatology, Pham Ngoc Thach Medical University, Ho Chi Minh City, said that a part of belly fat-soluble cream also works on fat cells to make fat “melt”. It is hydrolyzed through sweat or some ingredients that work to firm the fat to create a slimmer waist for the user. However, Dr. Anh said that it depends entirely on the composition of the cream. Dr. Anh said that even though this fat-soluble cream has a certain effect, these substances cannot penetrate deep layers of fat. For those with thin layers of fat, soft fat, the ability to lose is better than those who are fat with fat blocks in the abdomen, hips, thighs … if you want this fat layer to be thinner after applying the cream, it is very difficult. Fat-soluble creams only work for a very short time, and then fat accumulation occurs as usual. Even the application of the cream and the hot wrap is just local dehydration. Immediately after using, women feel more compact, but only a few moments later, the body is fully rehydrated will return to the original. If women feel secure to apply fat-soluble cream without changing the diet combined with exercise, the ability to dissolve fat will be extremely low, the fat layer still thickens in proportion to each person’s eating needs. In addition, Dr. Anh also recommends that the origin of the product is also very important if you buy floating products on the market, the fat melt has not been found to be allergic due to the unknown origin of the cream. To sustainably lose fat, Dr. Anh said, in addition to the intervention procedures, the person needs to maintain a reasonable diet, maintain an exercise regimen, be active about 150 minutes / week.

The pitfalls For many women who have a fat body, always busy with work, family … do not have much time to take care of themselves, the ads about fat-soluble ice cream: Fast fat burning or Apply cream on where, fat will dissipate that place; No need to exercise, no massage, just apply cream regularly every day, will have a slim body …, or Speed ​​up the fat burning process, help you beat belly fat, lose 3cm Waist circumference in just 1 day… too attractive. Hundreds of fat-soluble creams are advertised to help lose weight, get back in shape are surrounded by sisters. However, whether using lipolytic cream works or not is still worth discussing. Fat-soluble creams are short-lived. The real effect is still open … In fat-soluble creams, the main ingredient is caffeine and essential oils extracted from hot peppers, ginger root, turmeric, lemongrass, natural beeswax and other natural ingredients, promoted with the The use is the ability to quickly penetrate deep into the skin layer, combine other substances to destroy fat (increase sugar consumption), stimulate fat burning and waste fat through sweat and urine, prevent intake of excess fat into the body from food … The promotion is like that, but in fact, the use of fat-soluble cream is not as effective as expected, but also has many troubles. Many people have pointed out the disadvantages of fat-soluble creams such as: Creating a hot, tingling sensation in the abdomen. Cannot lose fat independently, it can only be used as an aid, should be used in conjunction with other weight loss methods. On the market, there are many fake goods, fake goods, mixed poor quality goods. Because the fat melt cream has strong irritants such as chili, ginger, and is widely applied on thin skin, users often have reactions. People with sensitive skin are susceptible to irritation, mild burning, redness at the application site, blistering and blistering, watery, and subsequent blistering. There have been many cases of allergies, dermatitis due to lipolysis cream, long-term treatment must be new. In fact, the effect of lipolytic cream is still left open, because many ingredients of the cream such as ginger, chili, caffeine … are recognized to have the effect of dissolving or burning fat. However, even if that is true, these substances cannot penetrate deep layers of fat. Therefore, it is very difficult for the fat blocks in the abdomen, hips, thighs … to be thinner after applying the cream. Melting cream actually works to tighten the skin, making the applied skin look firmer and tidy, so many people mistakenly think the cream has melted excess fat. In fact, fat-soluble creams only work for a very short time, and then fat accumulation happens as usual. Even the application of the cream and the hot wrap is just local dehydration. Immediately after using, women feel more compact, but only a few moments later, the body is fully rehydrated will return to the original. Be careful when buying belly fat melt cream products, even buying from acquaintances. In addition, should also understand that the belly fat melt cream only works to support fat loss, reduce belly fat temporarily. Need to combine with diet and exercise to be effective. Absolutely do not use non-origin cosmetic products and do not consult a doctor.

Illustration. A case of complications due to cosmetic procedures at the facility is not guaranteed by the Central Dermatology Hospital, patient Nguyen Thu A. (15 years old, Thai Binh city) was taken to the hospital by his parents when the ear ring. swelling like a bunch of figs. According to Thu A.’s parents, she hid her parents to a barber shop to press 3 more holes in her ear. After finishing the press, Thu Anh got an infection and took anti-inflammatory drugs, but the pressurized ear points were still swollen and spread like a bunch of figs. Her entire ear rim was deformed. Doctors must perform plastic surgery on the ear for Thu A. Dr. Nguyen Dinh Quan, Head of Plastic Surgery and Rehabilitation Department, Central Dermatology Hospital, said that many people think that ear piercing does not bleed, so choose to press in unsafe places, even through people. go for a walk. When punching the earlobe area, the complication rate as above occurs less often, but when pressing the earlobe cartilage, the risk of infection is very high. The cause may be that the earplug is not hygienic or the ear piercing care is incorrect, leading to infection. Dr. Quan told more about the case of a 16-year-old female student in Yen Bai determined to lift her nose because she was criticized. When seeing a spa advertising nose lift with filler only 2 million, this female student nodded in agreement. As a result, after injecting the filler, the female student suffered from blindness complications and currently, eyesight cannot be reversed. Dr. Quan said, there are complications that can be repaired, but there are complications that cannot be. A trend in the past few years, seemingly just a simple procedure, but also caused many people to experience complications shared by doctors, it is the trend of eye opening, thanks to intervention from dialysis technology. modern beauty to make the eye angle bigger and more beautiful Dr. Nguyen Huu Quang, Deputy Head of Plastic Surgery and Rehabilitation Department, Central Dermatology Hospital said, he met quite a few patients with complications when opening the corner of his eye. For example, the case of Nguyen Thanh H (29 years old, in Hanoi) is the victim of eye opening. H has small eyes, obeying the invitation on facebook of a newly opened salon, so he came here to open the corner of his eyes. This facility does not have a specialist doctor but an expert with experience specializing in performing professional ophthalmic shaping surgeries. H. assigned his eyes to this specialist for surgery. As a result, after opening the corner of the eye, this specialist has turned Ms. H’s eyes into “flying pigeon eyes”, scarred in the lower eyelids of the two sides. Not only is the angle of the eye not wide open, but also looks like a person who is out of sight. Associate Professor Do Quang Hung, former Head of Plastic Surgery Department, Cho Ray Hospital, said that he regularly receives cases of cosmetic surgery damage at the spa. Most recently, a patient found him in a state of severely damaged face due to cosmetic surgery on face stretch combo, eye opening at a spa in Bien Hoa city, Dong Nai. The patient said before that, listening to people sharing the corner of her eyes to create big, deep eyes that attract people to look, so she asked for advice. It is advised to stretch the facial skin due to sagging facial skin, the face is not elegant. Sounding too tempting, this woman put her faith in the spa. As a result, at home, the corner of the eye is widened but is opened upside down, the white part is much exposed. Frightened customers go to the hospital to seek help from a doctor. Not only the broken eye angle, but the entire ear scar due to facial stretching is also severely complicated, forming a large, long scar line. Associate Professor Hung said that these complications like this are very time-consuming and of course the cosmetic effect cannot be as high as at first. In fact, a number of cases have all been caused by complications in underground medical facilities. From the people to the performers, they consider it just a simple procedure, so blatantly doing in spas, ineligible cosmetic facilities lead to serious consequences.

Celebrity endorsements of financial products must be careful, and financial consumers must treat celebrity endorsements rationally, and effectively guard against financial traps.

On April 22, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission issued the second issue of 2021 risk warning, reminding financial consumers to treat celebrity endorsements rationally, to “three look and one prevention”, and to effectively prevent financial traps.

The China Banking and Insurance Regulatory Commission stated that when consumers choose financial products or services, they should not blindly believe in celebrity endorsements, and should treat the products or services of “star endorsements” rationally. We must insist on rational investment and value investment. It is not advisable to pursue “quick money” blindly, and we must abandon the concept of getting rich overnight. Be cautious about financial products that promise higher-than-average returns, and don’t believe in false propaganda such as high returns and risk-free.

In recent years, with frequent P2P thunderstorms, many celebrities who have endorsed P2P products have also become the focus of public opinion. There are also endless debates about whether celebrities should be responsible for the endorsed P2P products and whether they should participate in compensation. The China Banking and Insurance Regulatory Commission emphasized this time that celebrities and other public figures should abide by the “PRC Advertising Law” and other laws and regulations, and must not recommend or certify unused products or unreceived services, and must not know or know that advertising is false Still make recommendations and proofs. Before accepting endorsements, it is necessary to check whether the endorsement agency has legal qualifications, and whether the endorsed products and services are true in content and meet regulatory requirements.

Supervisory breakdown of the five common models of celebrity endorsement financial products

In recent years, with the rapid development of network technology, various Internet platforms and wealth management investment products have emerged one after another. Some institutions have invited celebrities to endorse promotion or platforms. Problems such as excessive publicity, promised high returns, and misleading publicity have seriously damaged financial consumption. The legitimate rights and interests of the person.

The China Banking and Insurance Regulatory Commission stated that currently, celebrities endorse a wide variety of Internet platforms or financial products, and there are roughly five common models:

One is to endorse the P2P platform. In recent years, platforms endorsed by celebrities have exploded, causing participants’ funds to be damaged.

The second is to endorse products suspected of illegal fund-raising. For example, the “Zhongjin Group” fund-raising fraud case has caused more than 10,000 investors to suffer capital losses.

The third is to speak for the Internet financial platform. The network platform is more convenient to operate, but it is also prone to problems such as risk warnings and insufficient insurance notification. Consumers should not ignore risk notifications due to celebrity endorsements.

The fourth is for financial products and platforms. For example, “Pan Asia Nonferrous” once invited a scholar to attend an event, using the aura of celebrities to mislead the public in consumption.

The fifth is to endorse certain types of products or the overall brand of bancassurance institutions. For example, celebrities act as bank credit card promotion ambassadors or publicity ambassadors.

In addition, the China Banking and Insurance Regulatory Commission proposed that some fans have no bottom line to chase stars, and irrational star-chasing behaviors such as raising funds for celebrities have also been used by criminals, causing some fund-raising chaos. Others use the celebrity effect to over-market and induce over-consumption and over-consumption, which may lead to problems such as excessive debt and violent collection.

The China Banking and Insurance Regulatory Commission emphasized that spokespersons and financial product suppliers should perform their responsibilities in compliance with laws and regulations. On the one hand, financial product suppliers should effectively regulate the financial marketing and publicity activities of their institutions and partners. Market operating entities that have not obtained the corresponding financial business qualifications must not carry out marketing and publicity activities related to the financial business; they must not use fraud or attract others. Marketing and promotion of financial products or financial services in a misunderstood manner; no guarantee promises regarding the future effects, returns or related conditions of the asset management products shall be made, and no explicit or implied guaranteed principal, no risk or guaranteed return shall be made.

On the other hand, celebrities and other public figures should abide by the “Advertising Law of the People’s Republic of China” and other laws and regulations, and must not recommend or certify unused products or unreceived services. Make recommendations and proofs. Before accepting endorsements, it is necessary to check whether the endorsement agency has legal qualifications, and whether the endorsed products and services are true in content and meet regulatory requirements.

Don’t blindly believe in celebrity endorsements, and be careful when you “call” young people

In response to the above-mentioned chaos, the China Banking and Insurance Regulatory Commission reminds financial consumers that financial product information is highly asymmetry and professional. If the spokesperson himself does not distinguish the endorsement product qualifications and does not understand the product risks, it may cause misleading publicity risks. Financial consumers should treat celebrity endorsements rationally, not blindly believe in celebrity endorsements, and should rationally treat the products or services of celebrity endorsements, so as to achieve “three look and one prevention” to effectively guard against financial traps.

The so-called “three look and one prevention” mainly include the following four aspects:

The first is to see whether the institution has obtained the corresponding qualifications. The financial industry belongs to the franchise industry, and it is not allowed to operate without a license or to operate financial business beyond the scope.

The China Banking and Insurance Regulatory Commission reminded that consumers should choose formal institutions and formal channels with corresponding financial business qualifications to obtain financial services. You can log on to the website of the financial supervision department and the website of the industry association to inquire about the relevant information of the institution, or verify the qualification of the institution with the local financial supervision unit.

The second is to see whether the product meets its own needs and risk tolerance. When consumers purchase financial products, they must understand important information such as product types, terms, risk levels, notifications and warnings, and choose appropriate financial products based on their own needs and risk tolerance.

“We must insist on rational investment and value investment. It is not advisable to pursue’quick money’ blindly, and we must abandon the concept of getting rich overnight.” The China Banking and Insurance Regulatory Commission emphasized.

The third is to see whether the income is reasonable. Investment and financial management risks and benefits coexist. Consumers should pay attention to whether they disclose risks and benefits truthfully in the face of marketing and promotion to prevent misleading or fraud. Be cautious about financial products that promise higher-than-average returns, and don’t believe in false propaganda such as high returns and risk-free.

The fourth is to prevent excessive borrowing. Look at advertising and publicity such as loan consumption and financial investment rationally, maintain a rational financial concept, and do not blindly follow the trend of consumption, lending and investment.

The China Banking and Insurance Regulatory Commission emphasized that young people, in particular, should be sensible in responding to fan support, borrowing and chasing stars, and beware of financial traps such as illegal fund-raising.

Do a good job in dealing with P2P stock risks in three aspects

In recent years, with frequent P2P thunderstorms, many celebrities who used to endorse P2P products have also become the focus of public opinion. Stars such as Lang Lang, Tang Yan, Wang Han, Du Haitao have “stepped on thunder” as P2P endorsements. There are also endless debates about whether celebrities should be responsible for the P2P products they endorse and whether they should participate in compensation.

According to previous reports from many media, attorney Song Yixin, a partner of Shanghai Hanlian Law Firm, stated on “Tencent News Related Topics” that from the level of legal liability, there are two aspects.

First, if there is fraud in the products (including financial products) and services (including financial services) purchased or consumed by the victim, the victim should undoubtedly be held accountable from three aspects: criminal sanctions, administrative supervision, and civil claims. If there is no fraud in itself , According to the principle of de-rigid redemption, the company can only liquidate the company’s existing assets or even go bankrupt.

Second, if the relevant product has celebrity endorsements, according to the Advertising Law and other laws and regulations, check whether there are any false advertising and publicity, and there are endless and reasonable inspection obligations (as far as the scope of its ability is concerned, such as whether the agency product is legal Approved products, etc.), if not, the celebrity will not bear the responsibility after endorsement. If there is, it depends on the degree of infringement of the false advertisement and decides whether it should bear the responsibility for withdrawing the endorsement fee.

In January this year, the Beijing Chaoyang District Financial Dispute Mediation Center issued an announcement stating that some online lending institutions have hired well-known entertainers and public figures as advertising spokespersons for illegitimate gains, and used their influence to attract investors to buy illegal financial products. The above-mentioned advertising spokesperson failed to fulfill reasonable inspection obligations, made false propaganda, was at fault for the occurrence and expansion of the damage results, and bears inescapable responsibility.

The announcement emphasizes that from now on, please contact the natural person, legal person, or other organization (ie, advertising spokesperson) who has or is still in the P2P online loan advertisements and recommends or certifies related products and services in your own name or image. The center explained related issues and cooperated with the clearing of online loan platforms.

The relevant person in charge of the China Banking and Insurance Regulatory Commission recently stated at a press conference of the first quarter of 2021 that the P2P institutions in operation have been cleared, which means that P2P institutions have stopped developing new online lending businesses, and the existing risks have been reduced in an orderly manner. The follow-up is mainly to do a good job in the disposal of existing risks. The next step will be to work hard in several aspects:

The first is to increase the efforts to resolve the risks of normal exits from institutions. First, strengthen monitoring to prevent existing institutions from violating regulations. Secondly, innovate working methods, increase the intensity of asset disposal, comprehensively use a variety of methods to increase the repayment rate of lenders, and in particular, consolidate the main responsibilities of major online lending platforms. At the same time, we are accelerating the promotion of more online lending institutions to access the credit investigation system, intensifying punishment for dishonesty, and severely cracking down on malicious evasion of debt.

The second is to speed up the asset disposal of criminal case filing agencies in accordance with the law, coordinate the public security, judicial and other departments to increase the overall planning for the recovery and disposal of the assets involved in the case, improve the efficiency of case investigation and trial, achieve smooth case handling, and actively respond to the concerns of lenders.

The third is to focus on improving the long-term mechanism of online loan risk supervision. On the one hand, we will strengthen the monitoring of exiting institutions in stock, and at the same time prevent the emergence of P2P-like institutions. On the other hand, at the legislative level, relevant departments are promoting relevant legislation, such as the “Regulations on the Supervision and Management of Non-deposit Lending Organizations” as soon as possible. , Regulations will be promulgated as soon as possible, and continue to improve the long-term supervision mechanism in terms of system construction.

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