Following the exposure of "five banks", another bank was fined for being "tricky". Everyone needs to pay attention.

On July 8, 2020, the China Banking Regulatory Commission issued a circular, the main content of which was to announce some long-standing chaos in the banking industry. At that time, the China Banking Regulatory Commission criticized the irregularities of five banks by name, among which the Agricultural Bank of China, one of the six state-owned banks, was mentioned twice in the same circular.

This incident has caused many bankers to have a little distrust of banks. However, after 20021year, a number of banks were notified by the CBRC again for violating regulations. At that time, the CBRC directly criticized the irregularities of China Everbright Bank, believing that these banks would be vigilant. Unexpectedly, it didn't take long for five financial institutions to have problems.

In 2020, China Banking and Insurance Regulatory Commission of China just named China Agricultural Bank, one of the six state-owned banks, in informed criticism. At that time, he thought that the criticism of five banks would make them wary. Who knows that other banks did not learn the lesson, but were criticized and punished by the CBRC in the same way this year. What is even more unimaginable is that even the Bank of China, one of the six state-owned banks, knowingly violated the law.

On March 23rd, 20021year, CBRC issued a circular criticizing China Everbright Bank for infringing on consumers' rights and interests. Then, relevant information was released on May 2 1 day, in which it was mentioned that five financial institutions had committed illegal acts again. In addition to China Bank, these five banks also include Huaxia Bank, Bank of East Asia, Bohai Bank and China Merchants Bank, among which China Merchants Bank has repeatedly committed illegal transactions. China Banking and Insurance Regulatory Commission, China fined the five banks a staggering 366 million yuan for their violations.

Recently, China Postal Savings Bank, one of the six largest state-owned banks, was fined by CBRC for its illegal operation. It is understood that it is not the first time that postal savings violate regulations. There have been six such incidents. The main problem is to collect annual fees and management fees from the unique accounts of some individual customers, and help customers handle SMS charging business without their consent. After verification, the CBRC confirmed that the bank did have such problems, so it confiscated the illegal income of the Postal Savings Bank11400,000 yuan and fined the bank 4,376,800 yuan.

This is not the first time that the Postal Savings Bank has been punished by the CBRC. Together with this fine, as of July 5, 20021,the Postal Savings Bank was fined more than 60 million yuan by China Banking Regulatory Commission, and China was fined for about half a year. This has to make people think deeply. What happened to these banks in China?

Since last year, the CBRC has exposed the illegal operations of many banks and the problems existing in some financial institutions. What is even more infuriating is that many large state-owned banks are also involved in this kind of behavior, and the penalties imposed on these banks by the CBRC do not seem to be "taken seriously", which leads to repeated bans on depositors' into the pit time, which makes many depositors start to worry about their savings safety.

However, some financial experts said that depositors don't have to worry too much. After all, only one branch of these banks was exposed. To sum up the problems caused by the CBRC, they actually exist in the following two aspects, and the majority of depositors only need to take corresponding preventive measures.

The first is to hide the real information of wealth management products and induce customers to buy them. As we all know, banks have many wealth management products, and many bank staff will spare no effort to promote these wealth management products to customers. They will often talk about these wealth management products, making depositors think that they will get high returns as long as they invest. As we all know, some banks will hide the risk of this product from their customers for their own benefit, and only tell their customers the profit effect of this product. Even some staff will confuse the concepts of self-financing and consignment products, so as to induce customers to invest, which leads many depositors to know the truth after the investment fails, but it is too late to regret it.

The second point is the problem of arbitrary charges. Some banks will force customers who handle loan business to pay for wealth management products or insurance products; In addition, some banks will sell some service fees to customers at a price higher than the market price for a certain service; Even some banks do not provide services, but charge customers service fees at will. This behavior is quite serious, and many customers are victims of this behavior.

In fact, when signing a contract or agreement with a bank, we must read every piece of information carefully. Only by reading the terms in the contract carefully can we avoid most risks well. As a result, it is difficult for banks to get depositors, let alone talk about contracts. You know, even if banks are reliable institutions, they should not let their guard down. Even with the supervision of the CBRC, it is better to take precautions than to make up for it.