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下月起,到银行买理财产品,你必须录音又录像

2017-09-17 07:36:40   中国经济网

下月起,到银行买理财产品,你必须录音又录像......

当初买的时候,你根本没提风险,害得我糊里糊涂买了产品亏了钱。

理财经理

我提过风险,只是时间一长,你忘记了。是你自己期望高收益买了产品,现在收益未达预期,怪我喽?

在众多的理财纠纷案中,上述互相“扯皮”的场景并不少见。在缺乏充分证据的情况下,多数纠纷案只能是“糊涂案”,其结果就是消费者遭受损失,维权困难,而银行也自觉名声无故受损,万分委屈。

为解决这一问题,银监会下发了升级版“双录”新规———《银行业金融机构销售专区录音录像管理暂行规定》,进一步规范市场秩序和银行业金融机构自有理财产品及代销产品销售行为。此次《暂行规定》设置了两个月的“缓冲期”,将于10月20日起正式施行。

如今,距离新规发布已过去大个半月,各家银行的执行情况究竟如何?《国际金融报》记者走访沪上多家银行网点,一探究竟。

1

多数执行情况良好

近几日,《国际金融报》记者以消费者的身份走访了上海部分银行网点。在走访过程中,记者发现,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,电脑上或者桌上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、理财咨询过程等内容。

当记者提出“不想双录”时,多位理财经理均表示,不执行双录就无法在银行理财销售区购买理财产品。

“只要有银行工作人员介入您的购买过程,都必须要录音录像。”中行陆家嘴支行某理财经理告诉《国际金融报》记者。

不过,他们也给记者提供了解决方案。该中行理财经理对记者称,“要是您实在不想录,您可以直接通过手机APP在家购买,不过这种情况下,我们也不好推荐产品。”

建行某支行的理财经理也推荐记者使用手机银行购买理财产品。该理财经理坦言,现在来银行网点买理财产品的多为年纪较大的老人,年轻人通过手机银行或者网上银行,在线就能直接购买理财产品。“线上有完整的购买流程、风险提示以及购买协议,一旦出现纠纷,交易状况也能在后台查询到,所以不用双录”。

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