The period of time in the past, especially last year (2015) , heard what concern not less to buy product of bank conduct financial transactions to cause loss even cannot the incident of cash capital. Why can also buy those in bank postal service hall " principal is not had return " product.
Reason actually very simple, the grain property that sells because of bank bar place is tasted, basically be to client manager undertakes commendatory, and the client manager that dress bank subdues is in postal service hall this special place. Give most person so, one kind is equal at the bank " trustful feeling " , plus, the client of demand of most justifiable money is tasted to grain property actually is sciolistic, so their apt believes the client manager of the bank.
As a result of this kind of trustful existence. The client manager of a few bank does not keep out the high specified number of company of tripartite conduct financial transactions to return bit of deduct a percentage from a sum of money. So, violate compasses step on a bound, have the client of intent of conduct financial transactions to those, was being recommended is not the product of conduct financial transactions that bank itself sells. This is buried left a possibility " principal is not had return " landmine.
Case is as follows:
1.201 years on June 22, depositor plum gentleman accepts a director to recommend inside postal service hall of bank of the people's livelihood, purchased value product of 1 million yuan conduct financial transactions, director of postal service hall still showed him to regard project of business of conduct financial transactions of bank of the people's livelihood as the director's employee's card and calling card. According to Zheng Mou (postal service hall is in charge of) specification, deadline of product of this conduct financial transactions is 6 months, yield is 12.3% , lowest buys the forehead to be 1 million yuan. Mr Li bought 1 million yuan of this manage to belongings is tasted and handle everything by Zheng Mou relevant formalities. Account expresses him and rather than of account of bank of the people's livelihood that Mr Li ever entered Zheng Mou entirely to money doubt, zheng Mou explains the travel that it is silver to be convenient operation to enter money the account that bank project is in charge of first, undertake returning a money to the client again later. However, on September 30, 2011, mr Li discovers when taking a money be in debt is indoor and only 60 thousand yuan of remaining sum, zheng Mou did not pay any conduct financial transactions to return a money to Mr Li actually. After the event, mr Li heads for postal service hall and subbranch of a bank to talk things over for many times, be informed however Zheng Mou already died, afore-mentioned con deed that buy product of conduct financial transactions fasten individual behavior of Zheng Mou, the bank does not assume liability to pay compensation to the loss of Mr Li.
2. rises from 2011, assistant president Guo Wenya person before subbranch of a bank of subbranch of a bank of road of bank Zhengzhou Yellow River is being believed in counts redound of decuple high specified number with exceeding interest rate of bank the corresponding period, to many in letter bank client is sold " product of conduct financial transactions " 10 thousand yuan thousands of, pass the fund that inducts again " extend usurious " seek profit, final capital catenary ruptures. According to preliminary count, 40 million yuan when share client of many 110 bank up to now cannot be recovered.
3. Nanjing bank assistant president of one subbranch of a bank, because be suspected of bilk,44 million yuan are tried by Nanjing town intermediate court of justice crime of fraud, sentence life imprisonment. In June 2015, each subbranch of a bank of Nanjing bank passes all sorts of means such as book of face plate of odd, short message, ark to do his utmost to be recommended to them through announce respectively the name is Xin yuan the product that half an year drives bond fund surely. State this fund is the product of one conduct financial transactions in the paragraph, do not invest a stock, some subbranch of a bank return acceptance to have the yield that keeps a copy. Use generally in conduct propaganda " high income " " stable " " very income " " appreciation " " prep above is put surely " " prep above conduct financial transactions " wait for a word, saying is the product of conduct financial transactions that Nanjing him bank rolls out. Show period of half an year to already arrived, suffer huge deficit however, most person deficit already exceeded 14% .
These bloody reality tell us, buy product of conduct financial transactions in the bank, also need sharpen one's eyes.
