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有银行刻意规避“双录” 新规下月中旬出鞘封堵

2017-09-05 07:06:49   中国经济网

■本报记者 彭 妍

日前,银监会为进一步规范银行业金融机构理财及代销产品销售行为,切实维护消费者合法权益,发布了《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》”)。此次《暂行规定》设置了两个月的“缓冲期”,将于2017年10月20日起正式施行。

为了深入了解银行落实“双录”的情况,《证券日报》记者近日走访了多家银行,发现大部分银行已经实行了“双录”,但仍有部分银行网点借其他的销售渠道规避了“双录”环节,而即将实施的《暂行规定》正是为了封堵银行网点在实际操作中的刻意规避行为。

规避“双录”存隐患

本报记者走访部分银行网点发现,大部分银行已经设立销售专区,并在销售专区内装配电子系统。从销售人员介绍理财产品开始,旁边就有一个摄像头在录音录像,在整个过程中包含对理财产品的产品介绍、风险提示、客户的风险评估、客户在理财产品投资过程中各种问题等内容。

“银行理财产品销售过程包含三个关键环节”,某银行网点负责人介绍说,分别为营销推介、相关风险和关键信息提示、消费者确认和反馈,“按照监管要求,录音录像的资料要能完整、清晰、可辨别地记录上述关键环节”。

值得注意的是,虽然“双录”在此前的实践中已取得了一定成效,但也遇到了一些新问题,最突出的是部分银行工作人员“钻空子”,通过手机银行或者在自助终端等电子设备上代替投资者操作来购买理财产品,以规避“双录”管理。

《证券日报》记者以投资者身份在某国有大行网点咨询理财产品,该行理财经理推荐了一款代销的保险产品,并表示这款产品只能通过手机银行购买,在该工作人员的指导下,记者通过手机银行购买了此款产品。但在购买前以及购买的整个过程中,销售人员并没有提示进行录音录像。

据该理财经理介绍,由于 “双录”过程相对繁琐,银行每天排队的客户太多,如果选择在柜台购买产品时进行录音录像,会耽误时间,所以才单独设置专门区域进行录音录像工作。有的产品可以通过手机银行、网银购买,则不需要 “双录”。他还表示,不管是银行理财产品还是代销产品,只要在柜台买过同类产品都不需要再次“双录”。

另一家股份制银行工作人员表示,银行发行风险高的理财产品一般需要进行“双录”,普通的理财产品则免去“双录”这一环节。

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