129765814573339165_73In acceptance of the China's Sankei Shimbun in an interview, Kobayashi described their experience of college students: last year he went to a Bank for a bank card, bank counter staff told him: "we are going to micro-management fees, if you want to make, fill out the application form for this Fund can be free of this cost. "Kobayashi was unable to make head or tail of ..., To carefully ask specifically what's going on, but the teller just impatient to put me off a bit, on the premise of not clarifying the content and risk
diablo 3 gold, was anxious to press the small fill in the forest. Kobayashi had to save some costs, coupled with the Trust Bank staff, temporary decided to accept this proposal. Can be inadvertently when he was about to fill out the table, found in theOn the boards of the banking Hall has a very inconspicuous piece of paper, it says: "Fund risk, choice, such as loss, your own responsibility". Kobayashi didn't realize if you just made the table, are likely to be unaware of cases of economic loss, and the Bank does not bear any responsibility. Kobayashi has come on this matter is still haunted by,Each time you do your banking special care in the future. In fact, Kobayashi's experience is not alone. With the advent of 2012 today to protect consumer rights, this special financial consumers consumers will once again be our focus of attention.
Categories of financial services, including banking and insurance matter has become the focus of hot spots. Beijing second foreignLanguage Institute, Associate Professor, school of international economy trade Wang Haiwen told Chinese reporters said in an interview with the Sankei Shimbun: "consumer financial disputes not uncommon now for two main reasons: first, information asymmetry. Finance and financial products in the sales process, some of the key responsibilities and risk provisions worded fuzzy, ambiguous, related sales personnel affected by self interest, onlyThe profitability of the product, but on its own the risk of problems involving very little or even not mentioned, while some consumers were on the premise of no background of knowledge, for the pursuit of profit, buy themselves do not understand financial planning products, resulting in a number of hidden risks exist. Secondly, the Chinese financial and wealth management market is not mature enough, relevant laws and regulations and supervisionSystem is imperfect, though such a chaotic situation in the financial markets on the one hand is the maturity of the rite, but in order to accelerate the progress of market improvement, efficient rectification of the financial market as a whole, financial or banking consolidation alone is not enough, it is the problem of the economic system as a whole is involved, and fundamentally solve the problem of the overall interests of the economy as a whole, the financial sectorProblems existing in nature can be solved. "Wang Haiwen also pointed out:" solving these problems is not achieved overnight. But at the present stage, we can still learn from small, gradual and orderly change, reduce hidden risks faced by the financial consumer consumption. For example, consumer finance and investment products, or buy financial products,Start reading some books or participate in training, their own financial knowledge, so that when purchasing financial products backed by knowledge, remove the scales from one's eyes, and reduce the risk of unnecessary and, from the perspective of banks or financial institutions, employees must take when selling financial products well, and if there are some vague terms, must focus on the consumerExplained clearly, and both sides agreed in advance in order to avoid unnecessary problems in the future; in addition, relevant departments are also required to do the monitoring work, formulate and improve relevant laws and regulations to standardize the behavior of financial institutions, so that the financial markets more open and transparent. "In addition, professionals also summarizes a number of strategies for common financial pitfalls. ThanExample: on some, exaggerated propaganda to mislead, we want to have a pair of sharp eyes, get rid of it. While the Bank is necessary to popularize investor risk tolerance assessment system, risk tolerance as one of the risk rating of the product design standards. Unreasonable charges for banks, consumers need to raise awareness of personal risk, in terms of choice as far as possible avoid unknown, leakageBusiness or product. Online statement Gold: gold online reprint of the above content, does not indicate that confirm the description, for investors ' reference only and does not constitute investment advice. Investor operations accordingly, at your own risk.
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