Recently, harbin city Zhu Mou buys product of conduct financial transactions 8.4 million yuan to bank flower, become insurance product finally, need die or the strange flower gut that live to be 108 years old to just can take out capital cause a society to pay close attention to extensively. Although be in finally,relevant section and media attention fall be able to refund, but deposit changes since this year the silver such as guarantee slip protects sale misdirect to have repeatedly however happen.
For example, on September 12, shaanxi protects the condemnatory letter that inspect bureau publishs to show, because silver protects the reason such as sale misdirect to be weighed to punish,have company of 2 birthday risk. Actually, according to " negotiable securities daily " the reporter is not complete statistic, because silver protects business to be punished,is look forward to of more than 10 dangers since this year, condemnatory reason includes similar afore-mentioned deposit become the sale misdirect of guarantee slip, dummy silver protects business to cover take charge to wait.
Silver of look forward to of much home danger protects business to be punished
Shou Xianyin protects business to sell misdirect to be banned repeatedly more than.
Shaanxi protects inspect bureau newest allotted condemnatory case shows, in Feburary 2018 portion, some birthday nearly the center in company Chinese raises company silver to protect Chen Xiaomei of employee of add period department, in course of conduction insurance business, be about to stop with insurance product false conduct propaganda undertakes for carry out, and actual this product still is making work. Of after this on March 19, chen Xiaomei is in course of conduction insurance business, turn with small letter Zhang means gives rake-off of policy-holder insurance premium 2000 yuan.
Same, this year on June 6, news of network of official of the silver-colored meeting that keep watch weighs China, its investigated the typical case that is sure to sell misdirect together gravely, instruct relevant bank and insurance company to rectify and reform.
Specific and character, in December 2016 portion, the Wang Mou that lives in city of Inner Mongolia Huhhot is taking 5 million yuan to arrive bank deposit, be claimed the insurance salesman of bank clerk and president of subbranch of a bank combine deceit however, bought the guarantee slip with the resumptive ability after a 100 one full year of life. After discovery is cheated, wang Mou reports a case to the security authorities to public security bureau, complain to superintendency branch, look for bank president to denounce a view, with insurance company the negotiation talks things over, counterpoise with life dimension even, final recapture capital and accrual.
The typical case that Chinese silver defended inspect to be able to investigate this to remove insurance to sell misdirect gravely, instruct relevant bank and insurance company to rectify and reform, stop new business of bank representative insurance 1 year to manage insurance company 600 thousand yuan of amerce, place bank fines 300 thousand yuan, give a warning to relevant bank and insurer liability person and be in 30 thousand yuan - 50 thousand yuan of amerce.
Actually, complain a circumstance to look from what the silver-colored meeting that keep watch announces, 2018 first half of the year, insurance contract dispute is complained occupy 97.90% what complain gross. Among them, share out bonus life-insurance 46.67% what occupy sale dispute to complain, main report is affirmatory and fixed accrual of share out bonus, during concealing capture of insurance period occasional to expend, conceal retreat keep a loss, become the issue such as simple contrast with bank deposit or product of bank conduct financial transactions.
Divide sale misdirect, protect channel to cover through silver taking charge also is condemnatory heavy disaster area. On September 12, shaanxi protects the another punishment case of inspect bureau to show, center of Xi'an of company of some birthday risk raises company silver to keep business this department one lists ad through empty cost, fair miscellaneous set take fund, add up to 1.86 million yuan. In April 2017 portion - July, silver of subbranch of a bank of center of Xi'an of this danger look forward to keeps business this department 2 protect performance of salary of the member that be in charge of only to cover through dummy silver take fund, add up to 5.162 million yuan.
Be worth what carry is, since this year, silver protects inspect to meet what hold trade representative orgnaization concurrently to the insurance such as the bank superintend apparent also hasten to father. According to " negotiable securities daily " the reporter is combed, except issue a risk besides clew, since this year, because violate product of compasses sale insurance, more than 8 banks are punished. Notable is, besides policy-holder of the sale misdirect that divides convention, deceit, false conduct propaganda, because,have a bank " existence extends covert when loan the requirement buys product of specific insurance company " be fined 111 thousand yuan.
Crucial information should active " double collection "
Because deposit changes,guarantee slip circumstance happens from time to tome, the silver-colored meeting that keep watch since this year also for many times aggrandizement is superintended.
For instance, since this year, chinese silver keeps watch can farther aggrandizement sell misdirect to insurance investigate chasten strength. The typical issue that closes right increase in the light of consumer of insurance of damage and prominent firm, the organization is begun " essence of life hits the operation definitely " ; In the light of person insurance sale, channel, product is mixed manage illegally wait for side issue, begin person to be sure " treat chaos to hit blame " special punish.
Before this on May 30, the silver-colored meeting that keep watch still was released " about be on guard the risk of misdirect of sale of product of bank insurance channel hints " , hinted for consumer the following 3 kinds of common sale misdirect behavior:
It is promiscuous product type. With deposit the name of the other banking product such as conduct financial transactions of deposit, bank, fund publicizes sale insurance product, or the product that is insurance product conduct propaganda insurance company and commercial bank orgnaization to be developed jointly, explaining to consumer place recommends a product according to the facts is insurance product.
2 it is exaggerated product earnings. Undertake false, exaggerated conduct propaganda to the shareholder situation of insurance company, management state and associate with operation result, or the acceptance of not certain benefit to insurance product assures accrual to wait, 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.
3 it is to conceal product situation. Did not show the important information related to insurance contract 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.
In September the middle ten days of a month, beijing protected inspect bureau to discover sale misdirect new change. For example, consumer Zhang Mou is complained say, its are when product of some bank advisory conduct financial transactions, the salesperson is recommended buy product of insurance of the share out bonus that cost period is one paragraph capture 5 years person, assure interest rate of bank deposit of the corresponding period of prep above of this product earnings, zhang Mou agrees to buy this product.
Subsequently, the salesperson says to ask according to superintending mechanism, need undertakes recording kinescope, zhang Mou needs to make affirmative reply in this process only can. Zhang Mou did not consider to asked to finish recording kinescope according to the salesperson more. Later, zhang Mou discovers insurance contract agreement and salesperson acceptance not agree with, complain then protect inspect bureau to Beijing. Classics investigation, because evidence is insufficient, cannot hold misdirect action of the salesperson.
In afore-mentioned case, "Zhang Mou realises not adequately but backdate system is legal to safeguarding oneself the principal port of rights and interests, cooperated a salesperson to undertake merely ' performance ' , did not ask the salesperson has real sale process recording kinescope, cause occurrence difficulty of authority of later period dimension. " Beijing protects inspect bureau to mention.
