China Everbright Bank was named and notified by the China Banking and Insurance Regulatory Commission. Why were they named?

According to a notification from the China Banking and Insurance Regulatory Commission on February 3, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission notified China Everbright Bank in the notification document, including China Everbright Bank’s service charges, Infringement of consumer rights found during inspections of financial product suitability and consumer protection status. The main illegal operations mentioned in the notice include: illegal valet operations, SMS marketing propaganda that confuses self-operated and consigned products, inadequate implementation of appropriateness management, forced bundling of personal loan business and insurance products, linking deposits and loans, and violation of quality and price compliance. Six major issues including charging financial advisory fees in principle.

The illegal operations refer to the Harbin Dongda branch of Everbright Bank. In serving users, there were 14 financial product sales services. Except for the user's own password input operation, the rest should have been The user operation process is all operated by bank employees, which has resulted in illegal valet operations. There are also confusions or agency sales in text message marketing. The marketing activities (text messages) of 7 Everbright Bank branches in Chengdu, Jinan, Qingdao and other places were incomplete and exaggerated the product revenue effects, confusing self-operated financial management and agency sales. Product and other issues. ?

The notified report mentioned that Everbright Bank’s behavior has constituted an infringement of several basic legal rights such as consumers’ right to know, consumers’ right to make independent choices, rights to property security, and rights to fair transactions. The bank The China Insurance Regulatory Commission has asked it to make rectifications. The report also provides reminders and warnings about the behavior of other banks by drawing inferences from one instance. Regarding the current problems of China Everbright Bank, it reminds all banking companies and insurance institutions that in the process of providing services to users, they must take warnings and be good at drawing inferences. Conduct repeated inspections and rectifications.

The purpose of the China Banking and Insurance Regulatory Commission’s notice naming China Everbright Bank is to serve as a warning to major banking institutions. In the process of providing consumer services, each bank must establish some complete consumer rights protection mechanisms. And create the necessary conditions for the protection of consumers' legitimate rights and interests, improve their own mechanisms as much as possible, and be reasonable, legal, open and transparent in terms of consumers' rights and interests, and protect the effective rights and interests of consumers.