On December 11, Ms. Xu (pseudonym) in Baoding, Hebei Province, broke the news that two years ago, her mother-in-law had deposited a fixed deposit of 300,000 yuan in the Agricultural Bank of China. However, a year later, they found that the deposit had turned into a wealth management product of "China Resources Anying No. 1". What is even more surprising is that the bank did not inform them of the situation at the time, but told them to deal with it after it was due.Ms. Xu's family was shocked and outraged when they learned the news. They believe that this is a gross negligence and irresponsible act on the part of the bank. They immediately went to the bank to ask for a contract for the purchase of wealth management products, but the bank did not issue it. Ms. Xu said that her appeal is very simple, that is, she hopes to get back the principal of 300,000 yuan.
In response to Ms. Xu's complaint, the relevant person in charge of the Agricultural Bank of China said that there will be risk reminders in the sales process, and the product can only be successfully traded if the customer confirms it. As a result, they believe that there are basically no problems in the sales process.
However, the person in charge also explained that the customer was 50 years old and was in business, so they believed that the customer had the ability to distinguish between wealth management products。As for the problem that the amount of loss cannot be determined because the product has not yet reached the redemption period, the person in charge said that the next step will be to negotiate with the customer to solve it.
For this incident, many netizens think,Banks should be more transparent and accountable when selling wealth management products, especially when it comes to the safety of customer funds. They believe that banks should fully assess and inform customers about their investment risks, rather than investing their funds in high-risk products without the customer's knowledge.
Some experts also pointed out that banks should strictly supervise and manage their own sales behavior, and should strengthen customer risk warnings and product descriptions when selling wealth management products. Let the customer's right to know be fully respected and protected, and customers cannot be allowed to purchase wealth management products without being clear.
It is also suggested that banks should establish a sound internal control mechanism and strengthen the training and management of employees to avoid the recurrence of similar incidents.
For Ms. Xu's family, what they are most concerned about now is how to get their principal back as soon as possible. They said they would continue to negotiate with the bank to resolve the matter and seek legal assistance to protect their legitimate rights and interests.
As a consumer, you should be more cautious and rational when choosing financial products. We should understand our investment risk tolerance and investment objectives, and choose financial products that are suitable for us.
Be cautious about the sales promotion of various wealth management products. Especially for middle-aged and elderly people and people with relatively weak financial knowledge, more detailed and clear information should be provided.
At the same time, we should also supervise and evaluate the sales behavior of banks and other financial institutions to ensure that the safety of our funds and legitimate rights and interests are protected.
The chaos in the financial sector needs to be rectified, and the sales of wealth management products need to be more standardized and transparentIn this way, customers can trust financial institutions more. At the same time, customers also need to strengthen their awareness of self-protection, rationally look at wealth management products, and protect their legitimate rights and interests.
It is hoped that in the future, services in the financial field will be more convenient and transparent, and the interests of customers can be better protected. This is also a direction for the development of the financial industry, and it is also what each of us looks forward to and pays attention to.