Banks Need To Strengthen The Appropriate Management Of Investors.

As a traditional robust class

Typically, bank financing has been regarded as synonymous with safety.

However, misleading financial management, deposit slip policy and other problems occur frequently, and also cause damage to the traditional image of bank financing.

Recently, the CBRC issued the notice on standardizing the agency sales business of commercial banks, clarified the scope of consignment products, and asked for double recordings (video recordings) to avoid misleading sales.

Reporter survey found that at present in Sichuan Province, many banks have double records.

When it comes to bank financing, Mr. Chen of Chengdu is still a little annoyed.

When dealing with a time deposit business in a bank, Mr. Chen bought 20 thousand yuan of financial products because of the recommendation of his staff. He also received an insurance contract as a gift. After a year, he found that the bank card fund was deducted 20 thousand yuan.

At this point, I knew that I bought an insurance product, the insured was his wife, and I still had to pay 4 years' fee. I wanted to surrender, but I was faced with a high fee.

Mr. Chen encountered in fact is a typical certificate of deposit change policy, and its purchase is not the bank's direct financial products.

According to a joint-stock bank personage, in addition to proprietary products, banks can also sell other non bank products, such as insurance products, such as insurance, funds, etc.

According to the products, they are different, but they are better than banks.

Products, these products will be more risky.

In fact, the reporter learned that, along with the increasingly strict supervision of financial products, bank financial managers have improved in compliance sales.

However, under the pressure of performance, the phenomenon of weakening risks, exaggerating earnings, and undertaking guaranteed capital preservation benefits still exist.

In detail, the phenomenon of weakening risks, exaggerating earnings and undertaking guaranteed capital gains is still more serious. However, compared with 2014, there was a clear convergence in the various non compliant sales phenomena, especially when the CBRC was listed as a red line supervisor to fill in a risk test.

According to the request of the CBRC, commercial banks can only sell the financial products issued by the financial institutions of the CBRC, the SFC and the CIRC in accordance with the requirements of the CBRC and the CIRC.

In principle, a consignment agreement should be signed by the head office and the headquarters of the cooperative institution.

It is noteworthy that the notice also emphasized again that the commercial banks should carry out the recording and video recording according to the relevant regulations, and properly keep the sales documents such as audio and video files, etc., and the document preservation period should comply with the relevant regulations.

As early as June 2015, the CBRC issued a notice requiring all financial institutions to strengthen internal control. One of the important aspects is to strengthen technical prevention and control, to implement synchronous audio and video recording in cash areas of business outlets, and to speed up the recording and recording of bank financial products and sales of affiliate products.

Reporters learned that, starting in February this year, the Sichuan region has officially launched the double recording mechanism of recording and video recording when banks sell financial products and consignment products.

In accordance with the requirements of the Sichuan banking regulatory bureau, the corporate banking institutions need to complete the installation and installation of the relevant electronic monitoring systems by the end of this year by the end of the year before the end of September 2016.

In the view of market participants, this mechanism can not only restrain salesmen's behavior, avoid misleading sales, but also reduce the frequent occurrence of wrangling in recent years.

In addition, the CBRC also stressed that banks need to strengthen the management of investors' appropriateness and express the consignment attributes of products in the sales process to reveal the risks of consignment products.

It is suggested that investors should carefully study the terms and product descriptions when buying financial products, and pay close attention to the last part of the contract.

An analyst who focuses on bank financing points out that every bank's spontaneous financial product will have a 14 product registration code beginning with the capital letter C in the product manual.