ICBC is accused of misleading sales depositors only want to deposit a money, and unexpectedly change-特命战队go busters

The bank accused of misleading sales: depositors only want to deposit a unexpectedly changed the policy of sina financial exposure table: financial encounter fly alone, deposit change policy, claims encounter overlord terms, how to do? Click "I want to complain.""! Financial institutions apply for settlement, the first time listen to the voice of users. If you have questions, please contact: 010-62676172 or money@staff.sina. Sina Financial News recently, Sina Financial and financial exposure platform received complaints from Wuhan Ms. Chen to ICBC. Ms. Chen said, in 2015 October for deposits in the industrial and Commercial Bank of Wuhan branch of Wujiawan, the salesman recommended to buy a property and a financial product. After Ms. Chen found the purchase of financial products is insurance, because it has been hesitation, the bank stressed the need to go and then surrender process, Ms. Chen to pay 50 thousand premium losses more than 1 yuan. Ms. Chen said, was carrying 50 thousand yuan in cash to the ICBC Wuhan branch of the Wujiawan deposit business, the branch staff’s recommendation, to buy 30 thousand yuan of insurance products. Subsequently, the staff recommended to her enthusiasm for another high-yield financial products, said the financial products revenue to show higher than bank deposit interest, pay 20 thousand yuan per year, paid over 5 years after they can withdraw, guaranteed security interest. Then I know this is a ICBC AXA Life Insurance, within ten years if the withdrawal of principal is not all back, if handled when they know the situation is certainly not for me." Ms. Chen said. Subsequently, Ms. Chen and ICBC Wuhan branch of the Wujiawan made representations to request a full surrender. The bank said has been a hesitation, can only be handled by default surrender, according to the calculation of Ms. Chen not only get back the principal to lose more than 1 yuan. Chen believes that the bank staff in the process of the insurance agency did not truthfully inform managers of the business is the essence of insurance, but the bank financial products to confuse and induce managers, failing to truthfully inform obligation and risk warning, which brings loss to depositors the bank should bear the corresponding responsibility. Sina subsequently contacted the bank customer and Wujiawan branch, both of which complaints made a record content and related information, will check and contact the complainant to solve. Sina Financial Exposure desk received complaints, there are many bancassurance channel insurance sales disputes triggered. On the one hand, bank outlets misleading sales is still a widespread problem; on the other hand, the financial consumers in the purchase of related products, not carefully read the terms of the contract, in the period of hesitation on the telephone for seriously, is also a major cause of such disputes. To reduce the misleading sales of Bancassurance channels, the regulatory authorities are duty bound. For ordinary financial consumers, signed a purchase agreement to be responsible for themselves in the purchase: do not blindly not impulsive, not biased or verbal commitment marketers. First, read the publicity materials carefully. Sales staff should pay attention to the use of promotional information are printed, printed and rough, simple, too much emphasis on the "return" or the "deposit" insurance, are likely to be non-compliance on promotional materials

工行被指销售误导:储户只想存个款 不料变保单 新浪金融曝光台:理财遇飞单,存款变保单,理赔遭遇霸王条款,怎么办?点击“我要投诉”!金融机构申请入驻,第一时间倾听用户声音。如有疑问,请联系:010-62676172 或 money@staff.sina。   新浪财经讯 近日,新浪财经金融曝光台接到武汉陈女士对中国工商银行的投诉。陈女士称,2015年10月份在工商银行武汉吴家湾支行办理存款业务时,在业务员推荐下购买了一份财险和一份理财产品。事后陈女士发现购买这份“理财产品”实为保险,因为已经过了犹豫期,银行方面强调必须走退保流程,而这样的话陈女士缴纳的5万保费将损失1万余元。   陈女士表示,当时携带了5万元现金到工行武汉吴家湾支行办理存款业务,在该支行工作人员的推荐下,先购买了3万元的财险产品。随后,该工作人员又向她热情推荐了另外一款高收益的“理财产品”,称该理财产品收益要显示高于银行存款利息,每年缴纳2万元,缴满5年后便可支取,保本保息。   “后来才知道这是一份工银安盛的人寿保险,如果十年内支取,本金不能全部拿回,要是办理时就清楚这个状况我肯定是不会办理的。”陈女士说。   随后,陈女士与工行武汉吴家湾支行进行了交涉,要求全额退保。银行方面表示已经过了犹豫期,只能按违约退保来处理,照此计算陈女士不仅拿不回本金还要倒贴1万余元。陈女士认为,银行员工在代销保险的过程中没有如实告知办理者该业务为保险的实质,反而以银行理财产品来迷惑并诱导办理者,没有尽到如实告知与风险提示的义务,由此给储户带来的损失银行应当承担相应责任。   新浪财经随后联系工行客服和吴家湾支行,两者都将投诉内容和相关信息做了记录,称将进行核查并联系投诉人做进一步解决。   新浪金融曝光台接到的投诉中,有很多银保渠道保险销售引发的纠纷。一方面银行网点销售误导问题仍然普遍存在;另一方面金融消费者在购买相关产品时,未认真阅读合同条款,在犹豫期内对电话回访也为认真对待,也是造成此类纠纷的一个主要原因。   减少银保渠道的误导销售,监管部门责无旁贷。而对于普通金融消费者来讲,在购签订购买协议时要对自己负责:不盲目不冲动,不偏信营销人员的口头承诺。   一、仔细阅读宣传资料。要注意销售人员使用的宣传资料是否为统一印制的,凡印制粗糙、内容简单、过于强调“收益率”或将保险介绍为“存款”的,均有可能是不合规的宣传资料。   二、仔细阅读并认真填写资料。部分销售人员在推销过程中,会有意无意的隐瞒产品的重要信息。因此,在签证付款前要认真阅读产品说明书,了解所购买产品的性质、名称、发行方、期限、缴纳方式等重要信息,核实并确认是否与销售人员介绍的内容一致。   三、认真对待电话回访。如果购买的是保险产品,在收到保险合同后要仔细阅读,并关注合同所列明的保险责任、缴费期限和退保损失等内容是否与购买意愿相符。保险公司会在签收保险合同后的10天犹豫期内进行电话回访,遇到不清楚的内容可以在回访时向保险公司咨询。如果产品不是自己真实的购买意愿,要在回访电话中明确告知。 进入【新浪财经股吧】讨论相关的主题文章: