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银监会:银行理财销售过程须同步录音录像

2017-08-24 07:07:08   中国经济网

8月23日,银监会网站发布《银行业金融机构销售专区录音录像管理暂行规定》(以下简称《暂行规定》),要求银行业金融机构实施专区“双录”,即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时,应设立销售专区并在专区内装配电子系统,对每笔产品销售过程同步录音录像。该规定自2017年10月20日起施行。

《暂行规定》系首次对专区“双录”管理作出比较系统性的规范,共六章三十条,主要涵盖了总体要求、产品销售专区管理、录音录像管理、内部管理制度、监督管理等方面。

据银监会有关部门负责人介绍,理财及代销产品销售是金融服务的关键环节,容易产生误导及欺诈销售行为,侵害消费者知情权、财产安全权、自主选择权等合法权益。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。

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