A recent incident that occurred in the Mianyang Southern Suburbs Branch of the Agricultural Bank of China has aroused widespread concern in the society. An aunt broke down and cried because she couldn't withdraw her 300,000 yuan deposit, which made people pay more attention to the problem of how to avoid being "pitted" by the bank. In this article, we'll take a look at this issue and provide some methods and suggestions to help people better protect their rights.
In the incident, the deposit of 300,000 yuan was converted into a wealth management product, which restricted withdrawals. And there are three main possibilities for this scenario. First of all, when the aunt went to the bank to make a deposit, the bank staff converted her deposit into a wealth management product without authorization. Secondly, the aunt was originally ready to make a deposit, but was promoted by the bank staff and changed her mind when handling the business, and the aunt did not understand the difference between wealth management products and deposits, so she did not realize that she could not withdraw it at any time. Third, the aunt was purely saving money, but she was deceived by the bank staff, mistakenly thinking that she had handled the deposit business, but actually bought a wealth management product. The reason why bank staff want people to buy wealth management products is related to personal interests, and the bank can get benefits from it, and employees can also get bonuses. On the other hand, the purchase of wealth management products can improve the performance of banks, so some staff members do not hesitate to violate laws and regulations for the purpose of promoting wealth management products.
In order to avoid getting into a similar dilemma, we need to have some basic financial knowledge and pay attention to the following. First of all, when handling the deposit business, you should go to the counter to handle it, not the automatic deposit and withdrawal machine. Deposits should be made over the counter, while wealth management products are purchased at designated locations in special wealth management rooms or halls, so it is necessary to confirm the specific business with the staff. Secondly, deposits do not need to sign a contract, while wealth management products must need to sign a contract. The contract generally has multiple pages and needs to be signed by the purchaser and the issuer at the same time, while the deposit only needs to sign the business handling form, so it can be judged according to the thickness of the signed document whether it is a contract or a business handling confirmation form. In addition, once the money is deposited in the bank, you should check the account immediately to ensure that the deposit has arrived. If there is a problem, it should be raised on the spot to avoid delay. In short, we must always be vigilant, learn more about financial knowledge, and keep an eye on business to avoid being fooled into buying wealth management products.
Through the occurrence of this incident, we not only saw the helplessness and disappointment of an aunt, but also deeply realized the importance of protecting our own rights and interests. In the financial sector, we cannot guarantee that we will not be completely deceived and misled, but we can reduce the possibility of being cheated by increasing our financial knowledge, improving our vigilance, and establishing good communication and trust with banks. The incident of turning deposits into wealth management products should cause banks to be highly vigilant and reflective, strengthen internal management, ensure that staff comply with relevant laws and regulations, and strengthen consumer financial literacy education, so that people can better protect their rights and interests. For the majority of investors, it is also necessary to strengthen the awareness of self-protection, enhance the ability to identify, and fully understand the key information such as the nature, risk and liquidity of the product before investing. Only in this way can you better protect your property security and avoid being "pitted" by the bank.
In general, in view of the frequent occurrence of bank "cheating", we should be vigilant, increase financial knowledge, and stick to our rights and interests. The incident of turning deposits into wealth management products is a wake-up call for us, telling us to keep a cool head, think more and verify, and think twice before making decisions. Only in this way can you better protect your property security and avoid being "pitted" by the bank. At the same time, banks should also strengthen internal management and supervision to prevent employee irregularities and protect the rights and interests of customers. Only by working together can we build a fairer and more transparent financial environment.