Red Net 2021-08-12 15:45:39 阅读数:951
Hunan Local Financial Supervision Bureau 、 Hunan Provincial Public Security Department 、 Hunan banking and Insurance Regulatory Bureau jointly prompted to prevent the risk of agency complaints in the financial field .
Red net time 8 month 12 - （ The reporter Xiao Juan ）“ Full surrender Acting for rights protection ”, Some insurance consumers have received similar referrals . There are hidden risks .
8 month 11 Japan , Hunan Local Financial Supervision Bureau 、 Hunan Provincial Public Security Department 、 Hunan banking and Insurance Regulatory Bureau and other three departments jointly issued an announcement , Prompt to prevent the risk of agency complaints in the financial field , Better business environment .
The announcement said , Some representative complaint organizations or individuals use Internet forums 、 WeChat friend circle 、 Online shopping platform 、 Social networking platform 、 Short video and other channels to attract business , play “ Full surrender and interest refund ” Wait for the cover , Induce consumers to entrust their “ Acting for rights protection ”, Ask consumers to provide ID cards 、 Policy 、 Bank card 、 Contact information and other sensitive information involving personal privacy , Charge high agency fees 、 Interception and arbitrage of funds 、 Instigate consumers to buy illegal financial products or participate in illegal fund-raising , The above illegal acts will lead to the disclosure of consumers' personal information 、 Capital damage 、 Risks such as loss of insurance coverage , Even cheated .
in fact , This is not the first time Hunan has given a risk warning on agency complaints in the financial field .2020 year 6 month , Issued by Hunan banking and Insurance Regulatory Bureau 《 On Prevention “ Agent full surrender ” Tips on risk 》. Same year 9 month , Economic Research and financial work office of Xiangtan Municipal People's government 、 Xiangtan Public Security Bureau 、 Xiangtan banking and Insurance Regulatory Bureau has also jointly issued an announcement , Tips “ Agent full surrender ” risk .
From a national perspective , guangdong 、 hainan 、 Guangxi banking and Insurance Regulatory Bureau , Shenzhen insurance consumer rights service center , hubei 、 Henan 、 Suzhou insurance industry association has also released to the public “ Agent surrender ” Risk tips for fraud .
from 5 The annual report information of listed insurance companies can be learned , Total surrender up to 1000 One hundred million yuan . Why investors choose to surrender ？
In the years of financial insurance , The main reason is that the income of insurance financial management is lower than expected . However , The liquidity of insurance products is generally poor , Once it's over “ Hesitation period ” Surrender , In particular, the insurance was withdrawn a few years ago , Great loss .
Besides , The insurance industry “ Big in and big out ” The traditional sales model is also the reason why it is criticized more . The human sea tactics have accumulated more human feelings 、 Self preservation parts , The loss of agents leads to the increase of surrender .
Social workers call “ Full surrender Acting for rights protection ” Flag to solicit customers , After obtaining the personal information of investors , Charge high agency fees 、 Illegal elements intercept and obtain funds 、 Instigate consumers to buy illegal financial products or participate in illegal fund-raising , Causing greater financial risks .
obviously , This phenomenon has attracted great attention of insurance supervision and other departments . Notice reminder , Consumers should be vigilant about participation “ Illegal agency complaints ” Potential risks , about “ Illegal agency complaints ” Don't take it lightly 、 Don't spread . In particular, we should refuse to participate in the fabrication of reasons 、 Falsification of evidence 、 Illegal acts such as providing false information . Consumers should protect their rights reasonably according to law through formal channels , Directly through financial institutions 、 Regulatory authorities 、 Complaints are reflected through official channels announced by the petition department .
Relevant reports ： Caution ！ Hunan issued a notice Prompt the risk of agency complaints in the financial field
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