China Everbright Bank was named by the China Banking Regulatory Commission. Is the financial industry good?

According to a document released by Zhongxin Jingwei Client on February 3rd, the Consumer Protection Bureau of China Banking Regulatory Commission issued the Circular on the Infringement of Consumer Rights and Interests by China Everbright Bank, saying that there are six major problems in China Everbright Bank: illegal agency operation, confusing self-operated and consignment products through SMS marketing, inadequate implementation of appropriate management, compulsory bundling of personal loan business with insurance products, linking deposits and loans, and charging financial consultancy fees in violation of the principle of matching quality and price. The above-mentioned violations of Everbright Bank have seriously violated consumers' basic rights such as the right to know, the right to choose independently, the right to fair trade and the right to property safety, and the CBRC has asked them to rectify.

When consumers buy wealth management products through the self-service equipment of China Everbright Bank, there is a phenomenon that bank employees operate on behalf of customers in violation of regulations, which violates the Interim Provisions on the Administration of Audio and Video Recording in Sales Areas of Banking Financial Institutions and other regulations.

Bank employees who violate the law should be severely punished. The financial industry itself is an industry that deals with large amounts of money all day. The majority of financial workers should keep their professional bottom line and be clear about their professional responsibilities. We should also know how to use and obey the law, resist all kinds of bad temptations and avoid going astray.

Seven branches of China Everbright Bank in Chengdu, Jinan, Qingdao and other places have some problems in short message marketing, such as one-sided exaggeration of product income, confusion between self-operated products and consignment products, which violates the Measures for the Supervision and Administration of Financial Services of Commercial Banks and the Notice of China Banking Regulatory Commission on Regulating the Agency Sales of Commercial Banks. ?

Banks and other external institutions jointly defraud consumers' trust and illegally send marketing messages to customers, which harms others and does not benefit themselves. As a bank, we should always pay attention to the issue of credibility. Once the reputation ceases to exist, the whole business of the bank will collapse in an instant.

In addition, China Everbright Bank cooperates with a property insurance company? Joint I loan? Moreover, the small unsecured loan business does not distinguish the credit risk level and credit status of consumers, limits the underwriting institutions, and forces tying insurance, which seriously infringes on consumers' independent choice and fair trade rights. It violated the Notice of China Banking Regulatory Commission on Rectifying the Irregular Operation of Banking Financial Institutions and the Guiding Opinions of General Office of the State Council on Strengthening the Protection of Financial Consumers' Rights and Interests. ?

Thousands of years ago, the ancients also knew a truth: don't do to others what you don't want them to do to you. Why can't they resist the temptation of money and go astray today?

It is not that the financial industry is not easy to do now, but that more and more people have crossed the legal gap and fallen into the bottom of the industry in order to make huge profits. Therefore, no matter what industry, we must keep the bottom line of the law and be good citizens.