Two major problems of banks have been exposed, and five banks have been "notified by name", so depositors need to be cautious in saving money.

In today's society, although money can't buy everything, it's really hard to stand without money. This also reflects the saying that "money is not everything, but you can't do anything without money", which shows that money is very important to anyone. In the past 2020, let us realize the importance of good health, and at the same time, the importance of savings. When a person or a family encounters an emergency, it is natural to have a deposit. If there is no deposit, it will be like "ants on hot bricks-running around"!

China is a big savings country, and the household savings rate ranks first in the world. According to the relevant information released by the central bank, at present, the per capita deposit in China has exceeded 60,000 yuan. It can be said that for some people, a deposit of more than 60,000 yuan may be nothing, but we must also be clear that no matter which country, there are always more poor people than rich people, and China is no exception. Therefore, for many people, a deposit of more than 60,000 yuan may take several years to survive.

For ordinary people, the bank is a very safe place, which is why so many people choose to deposit their money in the bank. In addition, obtaining certain interest is also an important reason. As the saying goes, "you can't afford to get up early without profit", interest is still very attractive to depositors. Some people question the security of banks. Actually, it's not necessary We should know that there are bankruptcies in China, but the safety of depositors' funds is greatly guaranteed. According to the Deposit Insurance Regulations, if a bank goes bankrupt, the depositor can get a full compensation of up to 500,000 yuan. Although China has a large population, the proportion of deposits exceeding 500,000 in the bank is only 0.37%, so as long as your deposits are within 500,000, don't worry.

In view of the importance of banks in China's financial system, and in order to ensure the safety of ordinary people's funds, the state has established a special banking supervision institution, namely the China Banking Regulatory Commission. The CBRC has the right to supervise any bank in China. Any bank that violates regulations will be punished, such as a fine, and will also be punished by informed criticism.

Although the supervision is very strict, there are always some banks that want to "hide their positions", but as the saying goes, "The sky is high and the complaints are watertight", and those banks that try to "exploit the loopholes" will always be found. In July 2020, the China Banking Regulatory Commission issued a notice, in which the problems of many banks were "named informed criticism"! Including Agricultural Bank, Beijing Rural Commercial Bank, bank of dalian, Shanghai Pudong Development Bank and Agricultural Development Bank. Are you surprised? Even the Agricultural Bank, as a state-owned bank, is among them? However, it is true. Analyze the violations of these banks, in fact, there are two kinds of violations, one is "illegal charging" and the other is "bundled sales"!

Generally speaking, depositors usually need to sign when they go to the bank to deposit money or handle business, but have you seen the signed contract? Have you consulted anything you don't understand? To tell the truth, it is estimated that 99.999% people will not watch it. It is often the bank employees who ask us to sign directly. At most, they just look at a few key places and sign directly. This is also because depositors trust banks, but some banks take advantage of this "trust".

The Agricultural Bank named by CBRC is Fujian Shishi Agricultural Sub-branch. According to the notice, the sub-branch charged a service fee of 520,000 yuan in the Service Agreement signed with the customer, but according to the regulations of the bank, the standard of this fee is actually only 6,543,800 yuan, which can be said to be 52 times that of the customer's illegal charges. Therefore, depositors are also reminded here that even contracts signed in banks should be carefully read, and those who don't understand must be understood before signing.

bundle sales

There are many products in banks. Naturally, some products are "hot" and some products are neglected, especially some wealth management products. So sometimes banks will issue some indicators to let bank employees recommend these products that nobody cares about to depositors. However, if it is recommended directly, the success rate will naturally be very low, so some banks will "find another way" to "bundle" these products with loans, so that some people who want to borrow money have to buy these products. Although it is said that once the products are bundled and sold, the loan interest rate will drop, which is beneficial to the lender in essence, it must be said that this kind of behavior is illegal and prohibited by the CBRC.

As the saying goes, "When the Woods are big, there are all kinds of birds", and the banking industry in China is no exception. To know that the number of banks in China has reached more than 4,000, covering the whole country, it is inevitable that there will be some "black sheep". Therefore, we must be vigilant. Once our legitimate rights and interests are violated, we must take up legal weapons to safeguard our rights. At the same time, I also hope that the CBRC can strengthen supervision and try its best to ensure the safety of depositors' funds.