Deposit change Insurance people are being fooled into bundling sales repeatedly banned

Banks "bundled sales" insurance policies, easy to make consumers do not know the situation under the circumstances of "buy" insurance, resulting in a variety of contradictions, not only the interests of the people, but also detrimental to the image of the relevant institutions. Experts believe that, from the trend point of view, Bank and insurance cooperation is indeed a future development direction, but at present because of the pressure of insurance companies, economic interests driven and the quality of bank staff is uneven, resulting in a number of problems in cooperation between the two sides easily.　　The next step is to standardize the cooperation between the two sides through deep cooperation, improving the consumers ' ability of service insurance and strengthening supervision. Deposit "Change" insurance people were "fooled" May 2011, Changchun Citizens Hu Quiyong to ICBC to take money, but was the window staff to inform: because he bought in the early period is dividend-type insurance, not free to withdraw.　　Since 2006, when he was involved in a deposit-giving insurance campaign in the bank, he has been denied several times in the past few years to request withdrawals from banks. One day in the second half of 2006, when Hu Quiyong in ICBC for access to business, window staff told him that his deposit has exceeded 50,000 yuan, can participate in the "deposit gift insurance" activities. "At that time I had 55,000 yuan in my account, I wanted to save a current, and I needed money to get it, but the salesman said that taking part in their preferential activities would get a high interest rate and an extra insurance." He said: "Originally I did not buy the idea of insurance, but I heard that the gift, deposit rate is still higher, of course, readily accepted." "At the end of 2006, just a few months after Hu Quiyong's involvement in the deposit-giving insurance program, he was told that he had to pay for the money he needed to get to the bank. "I was dizzy, when the original handling of the time clearly said that the insurance is a gift, and does not involve my own savings, and also did not say not to withdraw money ah." "He said:" After a few inquiries to know that the bank was actually using my savings to buy insurance, so I can not save the money out of the natural. Since then, Hu Quiyong has many times to the bank "theory", but has not been satisfied with the answer, "my family conditions are not too well-off, and the usual place of money is also a lot of money, several times anxious to take out, no way is to borrow with relatives and friends." He said: "I can not get out of the money, but also to borrow money from others, sounds like a joke, and the bank told me that the money will not be able to pick up after 10 years, almost laugh and cry." "In recent years similar Hu Quiyong such encounters are common everywhere, many people are confused about the" insured. Changchun City, a postal storage bank staff revealed that the current bank agent insurance business is very common, especially the good, the flow of more and more popular banking outlets, based on the people of Banks, post offices and other institutions of trust, the people's vigilance is not high, many times let people mistakenly think that the new business of banks Although recently, the CIRC and the CBRC jointly issued the guidelines on the supervision of commercial banks ' acting insurance business, and halted the "sales of the Sites", trying to standardize the banking market, butProblems such as misleading sales have not been fundamentally addressed.　　Shanghai Banking Regulatory Bureau in May this year issued a report on the handling of customer complaints, the data show that when the quarterly bank agent sales of insurance products caused a total of 142 complaints, compared with the four quarter last year, the increase of 56, up to 65%, is also the largest complaint increase in the business. "Three factors" to the Bank Agent insurance market Confusion in recent years, as the insurance market subject increasing, insurance company's business indicators more and more pressure. Zhang Yi, deputy director of the Life Insurance Supervision Department of the China Insurance Regulatory Commission Jilin Province, said now there are more than 10 life insurance companies in the market, they want to cooperate with the bank, a bank can sell the products of many companies, this pair of many ways or many ways, so that insurance companies in cooperation with the bank in a weak position,　　Therefore, each company's business plan indicators are particularly heavy, especially in the new market body. According to the industry, although the banks will not ask the teller to complete the number of insurance targets per month, but the more selling of the teller, naturally can get more commission. As a result, some of the counters are doing their best to pull customers, and some even disregard the interests of customers, deceptive inducements. "Some of the more desperate salesman, by selling insurance, one months to earn the usual one-year salary."　　Said an ICBC employee who declined to be named. It is understood that, in 2001, the Bank agent insurance business fees are about 1 2%-1 5%, 2005 years or so to 3 5%, now more than 4%. The fee is high, the Commission of the Bank staff also raise correspondingly.　　There is competition between different insurance companies, and the bank teller often chooses the insurance companies with many commissions to give priority to the customers. In addition, the low quality of the bank salesman directly led to people "insured." Reporters found that most of the fraud is not familiar with the bank agent insurance business, or even signed out of the bank after the word, did not know that they bought agent insurance. Zhang Yi said that because the main task of bank counters is to provide customers with loans, sales insurance capacity is weak, training time is limited. "Insurance is actually a more complicated thing, some bank teller themselves are not clear, most of the old people to the bank to carry out the loan business is not knowledgeable, how the teller said how they listen to, so produced a misleading." "Some of the counters are more real, and will tell you that this product is provided by insurance companies, not banks." But some people may play a bit slick, in order to get more commission, will blur a lot of details, especially will persuade some do not understand the market of middle-aged and elderly customers to buy.　　"Zhang Yi said. Multi-pronged Standard Bank agent insurance business experts believe that bank insurance cooperation, play the advantage of the banking window for the people to provide richer financial products, the two sides together is the future development trend, but many of the current violations of the operation is indeed worth vigilance, suggested that the next two sides through deep cooperation, improve the service insurance consumer ability,　　To strengthen supervision and other aspects to make new explorations. Liu Jizhui, a professor of finance at Jilin University of Finance and Economics, argues that policy, individual ability, etc.A variety of factors, leading to the current China's banking and insurance cooperation is still in a relatively shallow stage, to encourage the bank and the two sides to carry out deep cooperation, mixed operation is the future development trend of China's financial industry. At present, some banks and insurance companies have begun to seep into each other, shareholding, such as Bank of communications holding the Banshou, ICBC Holding is Jinsheng life, Ping An insurance group company holding Shenzhen Development Bank, "the two sides of a deeper integration, can make the interests of both sides tend to coincide, the responsibility of the main body, development goals, Consistent direction, to help solve some of the current outstanding problems, is the future direction of development. "Liu Jizhui said:" It is recommended that the State should encourage banks and insurance companies to strengthen equity cooperation, form a community of interests and ultimately realize the integration of operations. Clerk Gu Yu, director of the China Insurance Regulatory Commission, Jilin Province, advises that the bank and the insurer should also be guided to enhance their ability to serve the consumers. One is the product development link, to guide both sides to strengthen product development and design communication and cooperation, according to the different preferences and characteristics of bank customers, research and development to meet the customer's financial consumption needs, but also suitable for bank channel sales of new products, enhance product attractiveness and competitiveness; second, the Sales link, guide the bank to establish sound sales mechanism,　　Including oversight mechanisms, reward and punishment mechanism and training mechanism to enhance the ability of banking service insurance consumers; third, the propaganda link, insurance companies and banks should increase the awareness of insurance knowledge and insurance products to help customers correctly understand the insurance and silver products, the formation of a good consumer atmosphere, and thus attract more customers with potential insurance needs. In addition, under the background of the current separation supervision, the insurance regulatory department and the Banking Supervision Department should further strengthen the supervision and cooperation, gradually establish and improve the joint supervision mechanism and work system, such as establishing the coordination mechanism of supervision information communication and Joint inspection mechanism, so as to institutionalize and formalize the joint supervision work,　　Form the supervision situation to the mutual management of insurance companies and banks, and standardize the market order of the bank agent insurance. "There are some institutional problems that need to be straightened out in a transitional phase that must be experienced." At the beginning of this year, we pushed some companies earlier in the country to provide banks with more risk-and long-term-saving products, similar to old-age insurance, big sickness insurance, this year may be a turning point. "Gu Yu said.