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重拳治理“飞单” 银监会出台理财产品“双录”规定

2017-08-23 15:41:49   新华网

新华社北京8月23日电(记者李延霞)为规范理财产品市场秩序,治理误导销售、私售“飞单”等问题,银监会23日出台规定,要求银行业金融机构实施专区“双录”,即设立销售专区并在销售专区内装配电子系统,对自有理财产品及代销产品销售过程同步录音录像。

近年来,银行业金融机构自营理财及代理销售业务发展较快,产品种类逐步增多,规模不断扩大,但部分机构在开展业务过程中出现了误导销售、私自销售产品等问题,银行业消费者相关合法权益遭到侵害的案例屡见不鲜。

银监会有关部门负责人表示,专区“双录”以技术手段增强了对银行业金融机构销售行为的硬性约束,强化了其信息披露义务,有利于从源头上规范销售行为。

其实,银监会2016年2月就对银行业金融机构实行销售专区录音录像提出了原则性的指导意见,目前绝大部分银行业金融机构已基本上完成了销售专区“双录”的建设工作。

此次发布的《银行业金融机构销售专区录音录像管理暂行规定》首次对专区“双录”管理作出系统性的规范。包括银行业金融机构在营业场所销售自有理财产品及代销产品,不得在销售专区外进行;除代销国债及实物贵金属可自行决定是否“双录”外,其他理财及代销产品均应实施专区“双录”;录音录像要完整客观地记录营销推介、相关风险和关键信息提示、消费者确认和反馈等重点销售环节;录音录像应征得消费者同意,如其不同意则不能销售产品;严禁销售人员在自助终端等电子设备上代客操作购买产品等。

银监会有关部门负责人表示,规定的实施对于规范银行业金融机构经营行为、化解纠纷投诉、保障银行业消费者合法权益具有重要意义,同时也为监管部门开展行为监管提供了新的监管工具及重要抓手。

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