BOC entry into force of new regulations for several days are frequent sales of new regulation is to be induced to strengthen

 Bancassurance new regulations come into force for several days, the reporter recently discovered in a number of commercial banks, while insurance companies have been hard to find a stationary sales figure, but the misleading sales are still difficult to avoid the situation.

small favors on induction

. In fact, this is not the sales account manager in the bank launched its

the rapid development of bancassurance in recent years led to a number of problems continue to highlight, such as the truthfully inform the insurer of responsibility and surrender charges and so gradually increased.

specification voices. BOC introduced the New Deal, will to some extent prevent the misleading. For example, customers should be expressly emphasized that insurance products sold to customers that is the main business of insurance products, insurance companies, insurance products truthfully suggest features and risks; hesitate to inform customers of insurance products, insurance, telephone visit, expense deduction , surrender charges and other important matters; may not win, draw, commissions or get physical, insurance and other ways misleading sales.

In addition, investment-linked insurance and other complex insurance products, commercial banks should establish a customer risk assessment and fitness assessment system, assessment is not suitable for the customer to buy, should be advised not to buy, no proactive marketing. For the popular telemarketing, the New Deal is also clear that the commercial banks to sell insurance by phone products to the customer, should obtain customer consent, clearly inform customers that the insurance product sales, sales process should be tape recorded and properly preserved.

bank and insurance sales are frequent

reporters in a joint-stock banks of the Yangtze Road Branch found that the withdrawal of the stagnation line Although sales staff, but the bank and insurance products of color pages in each are clearly printed the name of the insurance company sales and mobile phone number . The reporter then called the phone the sales staff, Meanwhile, the sales staff on the phone made it clear that the insurance is an additional feature, the main function of finance is still, otherwise it would not sell in the bank.

while another bank directly to the bank and insurance products and banks selling financial products mix and match together, but to expand the misleading sales. Reporter noted, the bank sold the list of financial products, both bank and insurance products are among them, although the two products are clearly marked is behind the bank and insurance products, but other payments are listed with the same financial products, 3 million from the Are bank and asked for financial products, Zhang said, carefully compared and found that two of the highest income or capital preservation products, are now preserving the very few high-yield products, and other financial products as no different, only to discover later is the bank and insurance products by banks to the