Over 20% Consumers Have Been Misled By Financial Sales.

Less than 3 of the respondents who bought the bank < a href= "//www.sjfzxm.com" > /a > products, 24.4% of the respondents said that they had misled the sale of financial products, according to the data released by P last week, which was released online last week in the 2014 3 bank service survey report.

< /p >

< p style= "text-align: center" > img align= "center" border= "0" alt= "src=" /uploadimages/201403/22/20140322102533_sj.JPG "/" < < >.

< p > in 2012, after the formal implementation of the commercial bank's financial products sales < a href= "//www.sjfzxm.com/news/index_q.asp > > management method < /a >, in September 2013, the CBRC further issued the notice on guidelines for the protection of consumers' rights and interests in banking industry.

However, despite the strengthening of supervision, the misleading rate of sales has dropped significantly, but it is still difficult to eradicate.

Avoiding product risks and exaggerating financial returns is still the most important problem in the sales process of bank financial products.

The survey showed that in all kinds of misleading phenomenon, the risk of avoiding or weakening financial products ranked first, accounting for 24.41%, followed by exaggerating the earnings of bank financial products, accounting for 18.94%, and selling third of the financial products that did not match their needs or risks, accounting for 10.93%.

< /p >

< p > the report also shows that nearly 50% of respondents' a href= "//www.sjfzxm.com" > consumer < /a > is not satisfied with the after-sale of financial products.

Among them, the slow arrival of revenue is the most consumer feedback problem. 17.3% of respondents believe that the financial account is too slow after the expiration of financial products, followed by a loss of principal, and 9.29% of consumers have suffered a loss of principal.

(reporter Gao Chen) < /p >

< p > < strong > correlation < /strong > < /p >.

< p > < strong > the CIRC will investigate sales misleading < /strong > /p >.

< p > > when the Insurance Regulatory Commission convened last week's 3. 15 consumer rights protection news briefing, it said that in 2014, it will intensify efforts to investigate and punish illegal behaviors that harm consumers' rights and interests, and focus on solving problems such as difficult claims and misleading sales. At the same time, it will strengthen the responsibility for misleading sales.

< /p >

< p > it is understood that for the most difficult claims of consumer complaints, the CIRC will fully implement the claim service < a href= "//www.sjfzxm.com/news/index_q.asp" > < /a >, guiding the insurance companies to formulate and improve the standards of claims, and publish them on official websites and business places.

The CIRC will also strengthen the responsibility of the sales side, requiring the insurance company to explain and inform the consumers in the underwriting process on the claim process, standards, procedures and claim documents.

In addition, the CIRC will urge the insurance company to strictly fulfill the obligation of compensation, requiring the company to strictly enforce the statutory compensation time limit, optimize the claim payment procedure, improve the efficiency of claims settlement, and improve the clearance mechanism for backlog of outstanding claims.

< /p >