内蒙古11选5走势图

“冒牌存款”成银行揽储利器

作者:admin 发布日期: 2019-10-11 二维码分享

内蒙古11选5走势图  “MAOPAICUNKUAN”CHENGYINXINGLANCHULIQI

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  记者走访部分股份制银行和地方城商行的网点,发现不乏假结构性存款。有两家银行的理财经理表示,虽然结构性存款的合同中写着不保证产品实现*高收益,但卖得好的几款产品几乎都能实现*高利率。

  昨天,银保监会下发《关于开展银行保险机构侵害消费者权益乱象整治工作的通知》。《通知》指出,结构性存款存在假结构、替代保本理财的问题,银行在售卖结构性存款时以保本产品宣传销售,是误导消费者的行为。今年9月,北京银保监局已经印发《关于规范开展结构性存款业务的通知》,从产品设计、风险计量、风险控制和销售管理四个方面入手,对当前业务发展中存在的突出问题和乱象进行规范。假结构性存款违反了打破刚性兑付的精神,使银行负债压力过大,容易引发系统性风险。

BENWENZHUANZAIZIZHONGGUOXINWENWANG,NEIRONGJUNLAIZIYUHULIANWANG,BUDAIBIAOBENZHANGUANDIAN,NEIRONGBANQUANGUISHUYUANZUOZHEJIZHANDIANSUOYOU,RUYOUDUININZAOCHENGYINGXIANG,QINGJISHILIANXIWOMENYUYISHANCHU!