Bank Open shop low price chasing traditional electric business multiple exemption clause question

A number of exemption clauses lead to questioning the lawyer said that can be recognized as OVERLORD clause

In the growing trend of online shopping, the network consumer market has become coveted by all sectors of the "fragrant pastry", the bank also combined with the industry's own advantages, competing in the official network built their own online shop. Reporter survey found that the current open shop of a few banks, and its price and installment of the way is also very attractive, and some prices even lower than the traditional electric power.

But the reporter carefully study found that most of the bank shop for third party supply, and its disclaimer also clearly stated: Customers and merchants through the bank online shopping transactions arising from the relevant disputes, such as disputes, should be settled by the customer and the merchant parties. The bank does not provide consulting and complaint services, and does not assume responsibility for the coordination of disputes and disputes between customers and merchants.

Some insiders pointed out that the bank entirely for its own disclaimer can be recognized as the Overlord clause, consumers buy to leave a mind.

Wen/journalist Li Yu Xuan

Phenomenon: Banks open "shop" with their own system to settle

Reporter investigation found that, including Bank of communications (601328, shares bar), the current Bank of China (601988, shares bar), the Construction Bank (601939, shares bar), ICBC (601398, shares bar), Merchants Bank (600036, shares bar), Everbright Bank (601818, shares bar), Minsheng Bank (600016, shares bar) and many other banks in their own credit card center website opened the "shop."

These banks have their own online mall products as many as nearly million, the type is not limited to financial products, but covers the food, home appliances, jewelry, cosmetics, clothing, shoes and hats and other fields.

Bank Open Shop has its own advantages, such as the payment method, most of the bank's network mall using their own banks to use the credit card one-time payment, installment and credit card points plus one-time payment and so on.

Insiders pointed out that through this "online Mall + on-line credit" approach, banks can be their own business and e-commerce platform to combine, on the one hand, the traditional financing business transferred to the network, on the other hand to stimulate the card holders of the amount of cards. In addition, the bank opens the net shop, may use own credit card to carry on the settlement directly, although reduced the third party pays the settlement, but also increased the competition between the bank.

Compare: Bank shop commodity low price chasing traditional electric dealer

Reporters check a number of banks of the shop, and compared with the traditional electric dealers found that some of the bank shop prices of goods can be with the traditional electric business pk.

Take the same Apple iphone 16G mobile phone, China Merchants Bank Credit card mall price of 4980 yuan, can enjoy credit card 12 months, the monthly repayment of 415 yuan to buy; Bank of communications credit card center points paradise price of 5109 yuan, but can use points to reduce prices, 1000 points can be reduced by 2.5 yuan, construction Bank of the price of 4718 yuan, can be used credit card 12 period, each period of 393.17 yuan to pay, can also be paid through the CCB debit card or a one-time payment.

The same is Apple iphone 16G mobile phone, Jingdong Mall's price of 4749 yuan, Dangdang's price of 4639 yuan, suning easy to buy the price of 4688 yuan, can be said to be just slightly below the bank's shop price.

Although most of the price in the bank's shop is slightly higher than the traditional one, some analysts believe that the installment function provided by the bank allows the consumers who are eager to have the relevant product but are nervous at hand to have it in advance.

Embarrassed: More for the third party Supply Bank disclaimer

The return of goods, many banks of the network mall clearly said not to accept no reason returned. such as the online Mall of the Bank of the bank clearly said: "In general, mail order by card Center after the approval of the approved not to cancel and return." ”

In addition, ICBC, China Merchants Bank, Industrial Bank (601166, shares bar) and other online shopping mall also made clear: Customers and merchants through the bank online mall transactions such as quality of goods disputes, price disputes, preferential promotional disputes, such as disputes, should be settled by the customer and the merchant negotiations.

In addition, a number of banks, including Bank of China, said: "If the cardholder and the merchant on the sale of goods, quality of goods, delivery, exchange, return and after-sales service or other related issues of disputes, in the dispute handling process, the cardholder should still pay the monthly amount." ”

And the reporter online inquiries also found that, because in the bank online shopping mall after the purchase of goods returned to the problem is not resolved complaints are not a few, some netizens also complain about the quality of products, but also can not be returned to deal with the goods.

Lawyer：

Bank statement can be recognized as the Overlord clause

Guangdong Sheng-lun law firm Lu Yuzhing lawyer said that online shopping malls are divided into many kinds, some of the business to customers, but also some consumer-to-consumer (customers to customers). Consumers must first distinguish between the model, such as when, Jing Dong This is a business for customers, rights protection is relatively direct some, but most of the bank's online shopping mall is the customer's model, that is to say, the bank just set up a shopping platform to provide a supplier.

However, these shopping malls need to use the banking system settlement, and can be taken in instalments and other ways to pay, it can be said that the bank has acquired some economic benefits. Therefore, the Bank must bear certain audit obligations, including the audit of the brand quality of goods, audit supplier qualification, etc., if the consumer in the bank's network shopping mall to buy fake or unqualified products, banks have the obligation to actively cooperate with consumers to defend rights. In order to recover the related liability, Lu Yuzhing Counsel advises the bank to collect the deposit from the merchant properly.

If banks simply declare exemption, the terms of these online shopping malls can be identified as the Overlord clause, Lu Yuzhing said.

Consumer tips:

1. Different bank shop's similar goods difference is big, the consumer may inquire first. Moreover, ordinary bank stores only accept some card and credit cards from their own banks.

2. In part of the bank shop to buy goods can use points swaps yuan, swaps points than directly to redeem points into gifts to be cost-effective, and some banks credit card credits have a deadline.

3. If you choose Installment payment, different bank's settlement date is different, the consumer must understand clearly, the repayment in time.