Bancassurance Products Become Consumer Rights Protection Hotspots

　　 3. 15 On the day of consumer rights and interests, the major banks and insurance companies in Hong Kong became the leading role of the public consultation. Many financial institutions appeared together, and more than 500 financial workers came to the close contact with the public. The yield of bancassurance products has not reached the psychological expectations of the insured, and has become a hot topic of many public consultation. In this regard, the staff of the City Insurance Association said that people should not be blinded by insurance. They should not just listen to the salesmen, but look at the contents of the contract. In addition, the problem of high insurance, low compensation, and fixed price loss of the motor vehicle insurance is also widely consulted by the public.

"Can the salesperson promise the annual rate of return?" yesterday morning, Mr. Cong arrived at the China Life Insurance consulting desk to consult the bancassurance product business, indicating that he knew little about the bancassurance products and wanted to "feel the bottom".

"The public should not only listen to the situation of the salesperson, but sign the product's benefits and safeguards according to their own needs," he said. Zhang Anlan, Secretary General of the Insurance Association, said that the Yantai Insurance Regulatory Bureau and the insurance industry association in accordance with the relevant regulations require all major insurance companies in Hong Kong to adopt the post interview payment system. As long as the insured has completed the contact method, the insured will have ten days' hesitation period. During this period, if there is any doubt about the product or the product, it can decide whether to participate in insurance according to its own circumstances.

For those who choose financial products, they should take account of the length of their own funds. Conduct financial transactions The investment direction and other factors determine the investment situation. City Agricultural Bank staff said that at present, the bank's wealth management products are numerous, mostly with 50 thousand yuan as the starting point. If the public is very mobile in capital, they can choose financial products with interest rate. If there is a long time without funds, they can choose medium and long term bank financial products. It is worth noting that bank financing products have a certain period of redemption. If the deposit is not obtained on the date stipulated in the contract, it may face a certain interest loss.

Prior to the exhibition of Ping An Life Insurance, reporters found that many people were carrying a stack of insurance products in their hands and had strong interest in financial management. However, from the point of view of citizen consultation, most of them know little about products, and some have even bought products. They still do not know the investment destination, yield, scope, exemptions and risk levels of products.

In this regard, Peng Cuilan, President of the Insurance Association of the city, said that before the public finances, they should thoroughly understand the contract provided by the other party. First, we should take a look at the main contents of the proceeds, the content of the guarantee, the time limit for return, and so on. In order to safeguard the rights and interests of consumers, this year, the city insurance association will focus on safeguarding consumers' rights and interests through improving the system, not only increasing the implementation of post interview payment system, sun insurance claims, "transcript", but also preparing for launching bancassurance products. market The system further standardizing the bancassurance market.