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yin bao chan pin xiao fei zhe quan yi bao hu xu shen geng xi zuo
Author(s): 
Pages: 85
Year: Issue:  20
Journal: Financial View

Abstract: 银保产品是指由银行代为销售的保险产品.但目前存在销售人员为了推动银保产品销售采取销售误导、夸大收益率的现象,侵害了金融消费者的合法权益. 银保产品遭投诉 “存单”变“保单”.由于银保产品由银行网点代为销售,加之销售过程中工作人员采取的销售误导容易导致金融消费者认为自己购买的是理财产品,而非保险产品,“存单”变“保单”现象时常发生. 未有效进行产品提示.银行工作人员在推荐产品时,并未详细讲解产品,未对中途退保需承担的损失进行提示,而是不断强调高收益.
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