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同步录音录像可防范存款“变”理财
2017-08-25 07:29:08 中国青年网
同步录音录像可防范存款“变”理财
□ 史洪举(河南 法官)
8月23日,银监会发布《银行业金融机构销售专区录音录像管理暂行规定》,对银行业金融机构销售理财产品时的专区“双录”管理提出明确要求。
随着金融业的高度发展及人们理财观念的提升,许多银行也销售起了理财产品。稍有金融常识者都知道,存款与理财产品有着不小差异。存款的收益很低,但相应来说,风险也很低,且存取自由,不受封闭期限制。理财产品则不一样,消费者在享受高收益的同时往往面临着高风险,而且,多数理财产品有一定的封闭期,不能随存随取。
然而现实中,存款“变”为保险产品或理财产品的事情时有发生,且多发生在缺乏理财观念的老年人或者农村居民身上。这凸显出绝大多数理财产品销售人员并未严格操作规范,而是采取忽悠乃至欺诈方式导致储户受骗。
当这些储户急需用钱,或者取款时,才发现其存款变为了可能亏损、且不能随时支取的理财产品。但由于没有同步录音录像,且消费者在相关协议上均有签字,受到欺诈的消费者可能有苦难言,在证据上占据劣势,难以挽回损失。此外,还有一些消费者购买理财产品时可能被违法者“飞单”,即销售人员本应销售本银行的理财产品,却销售其他银行或公司的理财产品。由于没有银行的严格风控,客户的资金就面临着极大风险,甚至会血本无归,却又得不到合理赔偿。
实行专区销售和同步录音录像后,一方面可以对存心违规者形成震慑,倒逼其严格遵守职业操守,少些模棱两可乃至坑蒙拐骗的措辞。另一方面在发生纠纷时可以还原当时场景,理清各方责任,避免公说公有理、婆说婆有理的情况。
尤其是在同步录音录像成为必要操作程序的情况下,如果少了这一环节,就可以推定银行在推销理财产品时存在过错,消费者有权要求银行变更合同,将理财产品变更为储蓄存款,并赔偿损失。这样才能让相关从业人员诚实守信经营,不为一己私利而忽悠储户将存款“变更”为理财产品。
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