Everbright Bank was informed that the infringement of consumers' rights and interests involved six types of violations.

The sales of wealth management products violate the rules of valet operation.

After investigation, when consumers buy wealth management products through the self-service equipment of China Everbright Bank, there is a problem that bank employees operate illegally on behalf of customers, involving four branches in Harbin, Taiyuan and Shanghai. For example, on June, 2065438 1 1, Harbin Dongdazhi Sub-branch had 14 sales of wealth management products. Except for entering the password, other processes are operated by bank employees in violation of regulations.

SMS marketing confuses self-operated and consignment products.

Seven branches of China Everbright Bank in Chengdu, Jinan, Qingdao and other places have some problems in SMS marketing, such as one-sided exaggeration of product income, confusion of self-financing and consignment of products. For example, from March 27, 2009 to March 27, 2065438, Chengdu Guancheng Sub-branch sent a marketing message to consumers, claiming that "Guancheng Sub-branch of China Everbright Bank issued' China Everbright Sunshine Big Dipper' (code 865034) from March 27 to March 3, 2009", but the product was actually issued by China Everbright Securities, and was sold by China Everbright Bank on a consignment basis, not by China Everbright Bank.

Distortion in risk tolerance assessment of senior customers

Everbright Bank failed to control the assessment of customers' risk tolerance, resulting in a large number of elderly customers' risk tolerance assessment results higher than the actual level, and the implementation of appropriate management is not in place. From June 20 18 to June 20 19, the age option in the risk tolerance assessment questionnaire for customers over 70 years old was distorted, involving 554 branches, especially Beijing, Hebei, Jilin, Fujian and Dalian branches. For example, on May 3, 2065438 1, a 72-year-old consumer checked the age "D.6 1-65" in the risk tolerance assessment questionnaire of Beijing Huixin West Street Sub-branch, changed the risk assessment result from the actual enterprising type to the radical type, and subscribed for the product "Sunshine Red Elite Club1"which was higher than his actual risk tolerance.

Compulsory bundling of personal loan business and insurance products

China Everbright Bank and a property insurance company jointly launched the "joint loan with me" and small unsecured loan business, which did not distinguish the credit risk level and credit status of consumers, limited underwriting institutions, and forced tying insurance, seriously infringing on consumers' independent choice and fair trade rights. For example, from 2065438 to April 2009, the retail business department of China Everbright Bank opened a small unsecured loan business, mainly for stable working-class and small and micro enterprise customers, most of whom have property/vehicle or social security/life insurance policy records. In addition to loan guarantee insurance, this kind of customer group should have the right to choose other credit enhancement methods, but the credit access condition of the borrower of this business is only "personal loan guarantee insurance has been insured with the relevant insurance company", without distinguishing the credit risk level and credit status of the borrower, and forcing the borrower to buy guarantee insurance from the designated property insurance company. This business involves 8 branches including Beijing and Shanghai. By the end of June, 2065438+2009, the accumulated loan amount of this business was 5.956 billion yuan.

The linkage between deposit and loan requires deposit before loan.

The branches of China Everbright Bank in Shijiazhuang, Shenyang, Nanchang, Zhengzhou, Guangzhou, Nanning, Chongqing, Chengdu, Shenzhen, Anshan, etc. 10 violated the deposit-loan linkage regulations, requiring borrowers to handle structured deposits, corporate time certificates of deposit and pre-stored "repayment guarantee" as conditions for loan approval and issuance. For example: 2065438+2009125 October, 65438+2009, Guangzhou Branch granted a credit line of 34 million yuan to a borrowing enterprise, requiring that the working capital loan line of 20 million yuan in the credit line must be handled together with the bank's structured deposits. On February 3, 20 19, the borrower made a structured deposit of RMB 2 1 10,000 in China Everbright Bank, and on February 5, 20 19, China Everbright Bank granted the borrower a working capital loan of RMB 20 million.

Collect financial consulting fees in violation of the principle of conformity between quality and price.

The head office of China Everbright Bank, Wuhan Branch and Suzhou Changshu Sub-branch charged financial consulting fees in violation of the principle of conformity between quality and price, involving an amount of 62.695 million yuan. For example, from June 2065438 to June 2009, Wuhan Branch signed a financial consultancy agreement with a borrowing enterprise, stipulating that the service period of financial consultancy is from June 2065438 to March 2020, and the financial consultancy fee is 6.975 million yuan. As a result of services provided by the bank, the M&A Financing Proposal was issued on June 20 19, earlier than the signing date of the financial consultancy agreement and the service period stipulated in the contract, and some contents were extracted from the pre-loan investigation report. The designed M&A financing scheme is basically the same as the borrower's loan application scheme.

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