When the insurance products banks sell financial products to sell the bank is still misleading

When the insurance products banks sell financial products by some banks to sell insurance is still misleading

Insurance products to banks as financial products to sell and does not understand the situation of the public may think that the bank is buying the financial products. Reporters yesterday in the bank to sell insurance products, make unannounced visits to the case found that there is still a small number of bank managers of financial management there is misleading marketing.

At present, Bank and Insurance sales channels have become an important channel for insurance, this year, Bank of the rapid development of insurance business. In order to regulate the postal bank channels to sell insurance, the China Insurance Regulatory Commission last month issued "on the bank to carry out special inspection of the postal insurance agent," which said it would prosecute the sale Zhangwai to pay fees and misleading conduct.

Make unannounced visits to reporters yesterday, to a large bank branches in Shenzhen, a financial consulting manager for the latest product information management. In the introduction of a line of products, the financial manager, told reporters a recommendation of the Sino-British life insurance products, said, "The good financial management products, 5-year annualized yield of more than 5%, 5-year cumulative earnings The rate of 20% or more. "The finance manager told reporters, products which do not charge initial fees and management fees, to ensure that the proceeds, along with insurance and other functional advantages, never mentioned the possible risks.

"This is your bank's financial products?" A reporter asked.

"Yes ah, yes, we sell the bank, I think we can bank products." However, reporters found that in the upper left corner of the propaganda leaflet printed out the words of the Sino-British life, only in the lower right-hand corner marked by a certain bank dealers.

Bancassurance sales distribution channels exist to mislead the situation earlier this year of more general use. In addition to allowing the bank manager, took the recommendation of financial products, insurance, bancassurance sales is another way to send direct insurance sales in bank outlets for news. Reporters in August this year, the bank network for business to have had the staff (actual sales for insurance companies) to actively sell insurance products to reporters and said, "with the bank's financial products is the same."

Reporters also a well-known financial Web site that Internet users have Xilihutu false statements to banks in insurance products as a bank to buy the product experience. The Internet users said during the National Day last year, the bank branches to do business deposits, the bank manager to the hall, she introduced an annualized yield of more than 6%, from beginning to end without mentioning the "insurance". After she signed in the know are buying insurance products, and 6 years in order to get out of regret can not cope.

Fortunately, the reporter visited yesterday the bank branches which do not have any apparent misleading sales phenomenon. Reporters yesterday's Bank of China outlets to buy financial products, consulting, financial management desk manager has placed a number of insurance products, promotional leaflet, the financial manager has not yet made a vigorous promotion of the reporters, only proposal Reporter: If you plan to configure the part of the money to do long-term Investment, consider the purchase of the bank is to sell a certain section of insurance products.