ABC employees recommend new ways of deposit, depositors were bought Pacific Insurance-e2140

ABC employees recommend new ways of deposit, depositors were bought Pacific Insurance Sina Financial exposure platform: financial encounter flying single, deposit change policy, claims encounter King terms, how to do? Click "I want to complain.""! Financial institutions apply for settlement, the first time listen to the voice of users. Sina Financial News recently, Sina Financial exposure table to Hubei Mr. Xu’s complaint, Mr. Xu reflected 20 thousand yuan deposits in January 2011 for their own in the Agricultural Bank of Hubei Guangshui branch Chinese Yu Dian office expires in January this year after the discovery of a Pacific Life 20 thousand yuan 10 year "bonus of endowment insurance". Looking back at the experience of deposit at that time, Mr. Xu said that banks had the inducement and fraud in the business. In January 27, 2011, Mr. Xu came to Guangshui branch of the Agricultural Bank of China with 20 thousand yuan for 5 year fixed deposit. Bank staff told Mr. Xu can take new "deposit", is regularly for 5 years, not only higher than the deposit income, you can also receive a bonus "Pacific Life insurance". Mr. Xu then handled the business under the recommendation of the salesman. Until January 28, 2016, the deposit account has expired, Mr. Xu came to the bank to deposit out, bank staff told Mr. Xu this saved five years of money itself is a copy of the insurance is not the so-called "gifts", but also for the period from five years to commitment period of ten years. When the insurance company called interest and dividends, Mr. Xu was angry, 20 thousand yuan five years of interest only 2400 yuan, according to the process of Business Bank five year deposit interest rate of 4.55% conversion, the interest should be 4550 yuan, of which the deposit interest loss difference is about 2100 yuan. Mr. Xu said that "and promised to return the serious discrepancies in the regular savings counter on the stately misleading, completely is cheating". Mr. Xu believes that agricultural bank staff confuse insurance products with savings deposits and bank financial products, and say that it is a new way of saving, which is based on savings, giving insurance and concealing the essence of insurance. Mr. Xu believes that banking personnel to customers in handling insurance business did not fully understand the customer’s risk preference, risk perception ability and capacity, in order to cheat customers for insurance, from first to last no description is to buy insurance, but has been said to send insurance. Not only that, Mr. Xu for the "bonus two insurance (participating) insurance yield to maturity is difficult to expect, but the bank staff inflated profits in the marketing process, say than deposits, and a period of ten years as a period of five years, the customer has obvious fuzzy audio-visual, misleading sales. So Mr. Xu and bank theory, hope that banks can be settled according to the deposit interest rate. The bank says it will do further processing after the first month of fifteen, and no definite solution has been given yet. Sina Financial exposure station then call Guangshui branch of the Agricultural Bank of China branch, to reflect the complaint of Mr. Xu branch, customer service on Xu related information recorded, said it will contact the complainant to deal with, as of press time has not yet received the theory

农行员工推荐存款新方式 储户被买太平洋保险 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。   新浪财经讯 近日 ,新浪金融曝光台接到湖北许先生的投诉,许先生反映,2011年1月自己在中国农业 银行湖北广水余店支行营业厅办理的2万元定期存款今年一月份到期后才发现变成了太平洋人寿2万元10年期的“红利发两全保险”。回顾当时存款的经历,许先生称银行方面当初在办理业务中存在诱导、欺诈行为。   2011年1月27日,许先生带着2万元来到中国农业银行广水余店支行办理5年定期存款。银行的工作人 员告诉许先生可以采取新的“存款”方式,也是5年定期,收益不仅比定期存款要高,此外还可以获赠一份太平洋人寿的“红利发两全保险”。许先生于是就在业务员的推荐下办理了该项业务。直到2016年1月 28日,定期存款的期限已满,许先生来到银行准备将存款取出,银行的工作员工告知许先生这存了五年的款本身就是一份保险并非所谓的“赠送”,而且期限也从办理时承诺的五年期变为了十年期。   当看到保险公司所谓的利息及分红时,许先生更是气愤,2万元五年的利息仅有2400多元,若按办理 业务时银行五年定存4.55%的利率折算,利息本应该是4550元,其中的存款利息损失差额大约为2100元。许先生表示“这与当初承诺的收益也严重不符,在正规的储蓄柜台上堂而皇之的进行误导,完全就是欺骗”。   许先生认为农业银行工作人员将保险产品与储蓄存款、银行理财产品混淆销售,并说成是一种新的 储蓄方式,是在储蓄的基础上赠送保险,隐瞒了保险实质。许先生认为银行业务人员在给客户办理保险 业务时没有充分了解客户的风险偏好、风险认知能力和承受能力,为了骗取客户办理保险,从头至尾没 有说明是买保险,而是一直说成送的保险。不仅如此,许先生所办理的“红利发两全险(分红型)”保险到期收益难以准确预期,但银行工作人员在推销过程中夸大收益,说比存款高,并将十年期解释成五年期,模糊客户视听,存在明显的销售误导。   于是许先生与银行理论,希望银行能按照定期存款利率进行结算。银行称正月十五之后会做进一步处理,尚未给出明确解决方案。新浪金融曝光台随后致电农行广水余店支行,向支行反映了许先生的投诉情况,客服对许先生的相关信息做了记录,称将联系投诉人进行处理,截至发稿尚未收到处理反馈。   近些年银保渠道误导销售乱象频发,早在2010年11月中国银监会《关于进一步加强商业银行代理保险 业务合规销售与风险管理的通知》中就已明确指出商业银行在开展代理保险业务时,应当遵守以下规定 :   (一)不得将保险产品与储蓄存款、基金、银行理财产品等产品混淆销售,不得将保险产品收益与上述 产品简单类比,不得夸大保险产品收益。   (二)向客户说明保险产品的经营主体是保险公司,如实提示保险产品的特点和风险。   (三)如实向客户告知保险产品的犹豫期、保险责任、电话回访、费用扣除、退保费用等重要事项。   (四)不得以中奖、抽奖、回扣或者送实物、保险等方式进行误导销售。 特别声明: 本平台承诺不公布投诉者真实姓名和身份,来稿一经刊登,即视为将专有出版权和网络传播权授予本网,稿件不予撤销及修改。也欢迎被投诉公司积极主动解决投诉。如有疑问,请联系我们: 电话:010-62676172 邮箱:money@staff.sina 进入【新浪财经股吧】讨论相关的主题文章: