Exaggerated earnings did not mention the risk of banking and insurance disputes continue

Bank customers were originally to go to the bank deposit, how fog "was" buy insurance? Bank staff in the performance under pressure, frequent sales mislead banks and insurance companies "deposit policies" phenomenon is not uncommon. To address this situation, China insurance regulatory Commission and China Banking Regulatory Commission recently jointly issued the guidelines on the insurance business supervision of commercial banks, banking and insurance sales specifications. Changing faces deposit "into" insurance college students Zhang l j (network account name) on March 2, 2010 to the Sichuan Chengdu Jinniu District Branch Sales Department, a branch of "deposit" $ 3,000, which is part of her next year. She thought that business is done in "deposits" until March 2011, was purchased through a telephone before she knew "insurance". Recommended reading insurance weekly: variable amount annuity pilot started Beijing Shanghai five city first wins insurance enterprises violations promotions penalty 500,000 insurance ring "Wang yawei" emerge surface exaggerated income does not to risk silver insurance disputes constantly should first to family "pillar" Shang foot insurance regardless of from lost insurance is zehui Shi Qiming jointly immortal see disk build boutique lecture Zhang l j in reputation financial network complaints plate post said, then in she to ABC handling deposits business Shi, one bank of staff asked she is to deposits, immediately to she strongly recommended a new financial products (life takeoff co-existence insurance b paragraph dividends type), said the products annual has dividends, and presented "medical insurance", than save regularly income high many "I asked staff products has no risk, she said is capital preservation of, due back principal plus by Save amount of 15%, then plus dividends; I and asked she 5 years within I can at any time take did? The staff said that " can be saved with the preparation of ". "Zhang Lijuan said. Zhang l j believe that staff, purchased this product, in the bank deposit of $ 3,000. Until March 2011, Zhang l j received a phone call saying "you bank card credit card number is wrong, we can't bail money". Before she figuring out themselves is not included with the product purchased insurance, but insurance was purchased. Zhang l j shall renew the $ 3,000 each year until the end of the period of insurance, now out of money, will lose a lot. Investors and Zhang l j had a similar experience a minority. Economic reference reported under reporter by query reputation financial online of case found, this class case some common features: basically is investors in to bank handling business of when, was Bank staff pull live, these staff to "income than regularly deposits high was more" "also can enjoy dividends", as bait to persuaded investors to money "to financial products of form deposited Bank", but does not to the products for "insurance". Investors in cases not yet understand clearly, fog was signed, purchased the product. Some investors is that home back to only look at the contract, while others, like Zhang l j, and it took a long time to "as if just awakening from a dream". Consensus Bank responsibility cannot shirk its reputation financial network in an interview with the economic information daily, a reporter said, deposit insurance, banks has an unshirkable responsibility. Banks is a reputable financial institution first, customer is trusted for Bank staff, this gives the Bank's staff to exploit. Some Bank staff in order to fulfil its mandate more cut so-called insurance marketed as "deposit scheme" or the "investment plan". From here, the first commercial banks should strengthen their own employee education, enhancing staff expertise, and for misleading behavior should also increase the intensity of punishment and treatment, once the client was informed was deceived and also is the Bank for loss of reputation. While sales for banks and insurance companies, and frequent misleading "deposit policies" can sometimes happen, China insurance regulatory Commission and China Banking Regulatory Commission recently jointly issued the guidelines on the insurance business supervision of commercial banks (hereinafter referred to as the guidelines on monitoring), on sales problems regulating banks and insurance companies. Assistant to the Chairman of the China insurance regulatory Commission Chen says, issued the guidelines on the regulation of an important goal is to further a clear division of responsibility of both banking and insurance, prevent the responsibility clearly decline, so as to more effectively protect the interests of consumers, after resolving a problem with the consumers to purchase banking and insurance products, I do not know whether the banks or insurance companies, rights protection difficult problems. Chen said, the guidelines on the regulation makes clear commercial banks is the subject of agent insurance sales, responsible for outlets selling insurance products directly to the customer in the Bank, management responsibility for sales, responsible for sales to misleading marketing, error. Insurance company responsible for the provision of insurance products, training and related services to banks, banking and insurance is the responsibility of a single regulator of insurance companies to provide training and after-sales service from the Bank. And in the protection of consumer interests, Chen stressed that both banks and insurance companies should set up a major joint contingency mechanism, to carry out the first-inquired. The so-called "first asking responsibility", refers to customer complaints, when the surrender requirements, whether customers find insurance company or Bank is first found, active management of insurance companies and banks should be the first time, properly hosting customers, not decline, delays time to solve the problem, leading to expanded. Remind remind investors distinguish between finance and sales channel is the key word of mouth network, sales channels are the most direct deposit was insurance-sensitive channels. In the operations of bank deposits in the Bank window, before you enter the Bank to the window, in addition to fill in the form of deposit and withdrawal is not going to have something else to make you read, at the same time form of deposit and withdrawal is also very simple and commonly used. But the sales channels of banking and insurance products tend to be in the Hall Manager, that is outside and is your contact person at the bank counter. In addition, reputation financial network, said bank deposit interest rate is a measure of, once heard the "higher than the interest on bank deposits" when Word of this class will be wary if you hear "your disease, death and other protection" is the insurance. "Some so-called high interest earnings, but have not seen with the naked eye to the small print below the income statement, which was written with " expected income do not represent actual income, specific earnings is subject to our company announced ". Because the lines are very small, without a magnifying glass is difficult to see, which also became the weapon of huyou customers of insurance companies. "Reputation Finance Network said.