Three Chaos In Bank Financial Products: Promise To Deposit Money And Return To Commission

Chaos 1: avoiding the risk of financial products

Mr. Xing, who was engaged in foreign trade in Shenzhen, was in a foreign capital around November 2006.

In this regard, Mr. Xing and Mr. Yi said that if the banks had done a good job of risk warning, they would have to pay for their own products if they bought the related products. However, when the sales staff were so smart, they could shield all negative information and avoid them when they had problems.

Chaos 2: promise to deposit money back to the Commission

A few days ago, dozens of people in Shanghai complained to a well-known website. In July 2011, Mr. Wu, the customer manager of Putuo branch of Shanghai branch of Ping An Bank, promised that the deposit could be given 0.1% of the reward when he was doing marketing activities. He also claimed that he was the maker of the reward policy of Ping An Bank, hoping that the above netizens would introduce more wealthy people to Ping An Bank and open their names to him.

Mr. Wu also promised that he would get a bonus on the 25 day of his account, and he would reward the referee in addition to the reward policy.

At the same time, Mr. Wu also sent the internal documents of the Bank of China's accounts of the Ping An Bank by mail to them as a proof. The annex of the "Ping An Bank reward scheme" contained a secret word in the word document. At the end, it was signed as "the three party channel of Ping An Bank Shanghai branch".

As a result, the citizens were convinced that by the end of August, dozens of people had taken part in the award.

However, Mr. Wu immediately turned his face after he had cheated his savings. He first made excuses to postpone giving no reward, and then he refused to give it up.

In desperation, the citizens were taken to the Shanghai branch of Ping An Bank to complain. But for the complaint, Mr Wu had a tough attitude and said, "it's useless to go anywhere."

Recently, the reporter also called Ping An Bank Putuo branch to understand the matter. However, when the bank heard that it was a reporter, he hurriedly hung up the phone.

Chaos 3: the investment scope is not clear.

In fact, Ping An Bank is not a case in point.

A few days ago, reporters found that the financial products of Guangzhou were really chaotic.

Among them, in a deep development Tianhe branch network, the customer manager introduces a financial product that expects annual revenue of 5% to reporters. When reporters want to know more about the channels of these capital flows, what bonds to buy, and how to allocate the investment proportion, the customer manager says, "the product is

Reporters found that, for the risk of financial products, bank staff either did not take the initiative to make a statement, or vaguely led, focusing only on expected revenue, and basically emphasized the "highest expected return".

It is interesting that this kind of avoidance of current risks and emphasis on product performance in the past has become a basic skill for bank staff to recommend financial products.

Information decoding

The maximum penalty for illegal sales is 500 thousand.

In response to the experience of the above citizens, a person who had worked in the bank revealed to reporters that the public bought the bank.

The person also said that the proceeds from the publicity list are expected revenue, and the money that ultimately falls into the pockets of investors is two concepts.

More importantly, many times, financial products are not guaranteed capital, not only have no revenue, even the principal may lose money.

Reporters learned that this year, the implementation of the "commercial bank financial products sales management measures" stipulates that if there is a sale of financial products, "customer risk tolerance and financial product risk does not match" and other improper sales and misleading sales behavior, commercial banks should establish abnormal sales monitoring, recording, reporting and processing system.

If a commercial bank violits the sale of financial products illegally, the CBRC or its dispatched office shall order it to make corrections within a time limit.

Violation of the sale of financial products, causing significant economic losses to customers or banks, may also be fined 200 thousand to 500 thousand yuan.