Maintain first heart
No matter be,work, maintain the heart is very important first, it is prime target, it is the motivation that set out, also assumed people expect and dream. But in fact, maintain the heart also is the most difficult first, a lot of people can animal farm the predicament in journey, turn and choose more convenient way, forgot it thereby. Every time at this moment, did not forget to remind oneself a word: Do not forget first heart, from beginning to end.
Dawn keeps mum
Dawn protects father, old Liu Quyin buys conduct financial transactions all right next door last week, was promoted to buy insurance product by the salesperson actually!
Occurrence product of bank insurance channel sells the case of misdirect, I will hint with everybody!
Dawn protects father
Setting news
The thing is told from October 2016 even case. The Wang Yongfa of Inner Mongolia and husband or wife have 5 million yuan of money that tear open change to arrive at that time Zhang. Face this a huge sum of money, old two careful consider, discuss repeatedly, decide a subbranch of a bank that money stocks a Bank of China to be in place.
Wang Yongfa is told about, subsequently oneself arrive home the city of Huhhot of Bank of China around breathes out and fine months bought product of conduct financial transactions all right. In January 2018, be badly in need of spending money in the home, wang Yongfa thinks of the annual interest breath of a product of conduct financial transactions is taken. The result discovers to the bank, 275 thousand yuan accrual is less than 200 thousand yuan only now, little nearly 80 thousand yuan. Wang Yongfa just realizes, oneself bought the insurance of an insurance company completely.
Information knowledge is very important, evaluate seriously avoid be duped
When buying bank product, consumer has the right to ask the bank offers relevant sale document, the bank should announce adequately sell goods on a commission basis the risk that the product exists, and consumer still wants one by one to sign those who affirm sale file. Everybody must reason treats a sale to recommend action, in scribal risk clew is reached sign before affirming, want to read a product carefully to sell a document, the kind that knows a product and deadline, place belongs to circumstance of responsibility of orgnaization, safeguard, risk, capture to expend the important information such as the circumstance, evaluate a product to accord with oneself demand and risk to bear seriously ability, must not sign blindly affirm. If encounter,carry out is built compulsively in selling a process, canvass misdirect or exaggerate phonily wait for undeserved commendation behavior, everybody must keep vigilant, and everybody has right sales resistance or undertake complaining informing against.
So, when buying silver to keep a product, behavior of what sale misdirect can you encounter after all?
When conduct propaganda sells insurance product, making the pretense of the other banking product such as conduct financial transactions of deposit deposit, bank, fund, the product that did not recommend to consumer him specification according to the facts is insurance product actually.
The shareholder situation of insurance company of exaggerated conduct propaganda, management state and associate with operation result, or decide interest acceptance to assure accrual to wait to the inaccuracy of insurance product, did not explain to insurance consumer person is safe and new-style according to the facts the uncertainty of the guarantee slip interest such as the product.
The important information related to insurance contract is done not have explain to insurance consumer according to the facts, conceal the except responsibility of insurance product for instance, decline the loss that keeps a likelihood to arise ahead of schedule, charge deducts a circumstance, of hesitation period case calculate time, during and enjoyed right.
Xiaobao reminds
According to relevant provision, commercial bank salesperson should follow relevant superintendency demand and have sell goods on a commission basis business is corresponding qualification, information reachs his to sell a qualification to ought to undertake inside the zone related the salesperson fair show, outside removing staff member of one's own profession, prohibit other personnel develops sale activity in business place. Basis of proposal insurance consumer inside the zone fair show information, judgement salesperson reachs his to whether be had for bank clerk sell goods on a commission basis insurance Wu is corresponding qualification. If the salesperson does not accord with afore-mentioned conditions, insurance consumer should sales resistance, and but the ground is common those who show seek advice inform against a phone to undertake informing against.
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