Recently, Sina Financial exposure platform received a complaint from Beijing Ms. Wang about Beijing Enji branch of China Construction Bank. Ms. Wang complained that the financial manager of Beijing Enji branch of China Construction Bank recommended him to buy a “principal guaranteed” financial product after making a risk assessment and determining him as a stable investor. A year later, Ms. Wang suffered a total loss of nearly 500000 yuan. When she repeatedly asked the financial manager for explanation, she found that the “principal guaranteed” financial management she purchased was a very high-risk fund product.

In June 2015, Ms. Wang went to Beijing Enji sub branch of China Construction Bank and asked the financial manager surnamed Chen, whom she had known several years ago, whether there were any principal guaranteed financial products worth buying in the near future. Since Ms. Wang was an old customer of Beijing Enji sub branch of China Construction Bank before, she was evaluated as a stable investor by the bank when she first purchased the financial products of China Construction Bank. Therefore, the financial manager surnamed Chen directly recommended a so-called “principal guaranteed” financial product to Ms. Wang and introduced that this financial product is absolutely principal guaranteed, with good income and no risk. Out of her trust in banks and financial managers, Ms. Wang bought a total of 966000 yuan of “principal guaranteed” financial products.

Until the end of 2015, Ms. Wang found that the financial product she bought had lost nearly 500000 yuan. So he asked the financial manager surnamed Chen why. The financial manager reassured Ms. Wang, explained that the loss was due to the recent bad market situation, and promised that Ms. Wang would redeem the product at the right time and invest in other financial products with higher income. In short, it must be breakeven.

Ms. Wang said that since the end of 2015, it was found that this “breakeven” financial product had a loss of 200000 yuan, it has been monitoring the market with the China Construction Bank app. Later, it was found that the “breakeven” financial product it purchased was originally Qianhai Kaiyuan CSI military industry index a.

According to the information, Qianhai Kaiyuan CSI military industry index a is a high-risk stock index fund. “If I know this is a stock fund, I won’t buy anything. I’m a working class and earn some dead wages. My son is also in urgent need of money when he goes to college next year, so I’ve always emphasized ‘breakeven’ when buying financial products.” Ms. Wang told Sina Financial exposure platform.

After learning that this is a stock fund, Ms. Wang asked why the financial manager surnamed Chen introduced it as a “principal guaranteed” financial product. Unexpectedly, the financial manager surnamed Chen changed from the last vague words to refusing to answer Ms. Wang’s phone.

Ms. Wang complained to Sina Financial exposure platform about Beijing Enji branch of China Construction Bank and the financial manager surnamed Chen, asking the other party to give a reasonable explanation and compensate for the losses.

In the recording evidence provided by Ms. Wang, the financial manager surnamed Chen did repeatedly emphasize that this is a “principal guaranteed” financial product when recommending financial products to her.

In this regard, Sina Financial exposure platform called the financial manager surnamed Chen and Beijing Enji branch of China Construction Bank, and the other party was in a state of no answer.

It is understood that in recent years, the agent sales business of commercial banks has developed rapidly, but at the same time, there are also problems such as misleading sales, unauthorized agent sales, private sales of products and unclear risk responsibilities with cooperative institutions. Relevant departments also explicitly require bank salespeople to fully disclose the risks of consignment products and shall not mislead customers to buy products by means of exaggerated publicity and false publicity; It is stipulated that commercial banks shall not mix the consignment products with deposits or financial products issued by themselves, bundle the consignment products with other products against the wishes of customers, provide direct or indirect, explicit or implicit guarantee for the consignment products, and allow non bank personnel to engage in product publicity, promotion and sales at bank outlets.

Recently, Sina Financial exposure platform received a complaint from Beijing Ms. Wang about Beijing Enji branch of China Construction Bank. Ms. Wang complained that the financial manager of Beijing Enji branch of China Construction Bank recommended him to buy a “principal guaranteed” financial product after making a risk assessment and determining him as a stable investor. A year later, Ms. Wang suffered a total loss of nearly 500000 yuan. When she repeatedly asked the financial manager for explanation, she found that the “principal guaranteed” financial management she purchased was a very high-risk fund product.

In June 2015, Ms. Wang went to Beijing Enji sub branch of China Construction Bank and asked the financial manager surnamed Chen, whom she had known several years ago, whether there were any principal guaranteed financial products worth buying in the near future. Since Ms. Wang was an old customer of Beijing Enji sub branch of China Construction Bank before, she was evaluated as a stable investor by the bank when she first purchased the financial products of China Construction Bank. Therefore, the financial manager surnamed Chen directly recommended a so-called “principal guaranteed” financial product to Ms. Wang and introduced that this financial product is absolutely principal guaranteed, with good income and no risk. Out of her trust in banks and financial managers, Ms. Wang bought a total of 966000 yuan of “principal guaranteed” financial products.

Until the end of 2015, Ms. Wang found that the financial product she bought had lost nearly 500000 yuan. So he asked the financial manager surnamed Chen why. The financial manager reassured Ms. Wang, explained that the loss was due to the recent bad market situation, and promised that Ms. Wang would redeem the product at the right time and invest in other financial products with higher income. In short, it must be breakeven.

Ms. Wang said that since the end of 2015, it was found that this “breakeven” financial product had a loss of 200000 yuan, it has been monitoring the market with the China Construction Bank app. Later, it was found that the “breakeven” financial product it purchased was originally Qianhai Kaiyuan CSI military industry index a.

According to the information, Qianhai Kaiyuan CSI military industry index a is a high-risk stock index fund. “If I know this is a stock fund, I won’t buy anything. I’m a working class and earn some dead wages. My son is also in urgent need of money when he goes to college next year, so I’ve always emphasized ‘breakeven’ when buying financial products.” Ms. Wang told Sina Financial exposure platform.

After learning that this is a stock fund, Ms. Wang asked why the financial manager surnamed Chen introduced it as a “principal guaranteed” financial product. Unexpectedly, the financial manager surnamed Chen changed from the last vague words to refusing to answer Ms. Wang’s phone.

Ms. Wang complained to Sina Financial exposure platform about Beijing Enji branch of China Construction Bank and the financial manager surnamed Chen, asking the other party to give a reasonable explanation and compensate for the losses.

In the recording evidence provided by Ms. Wang, the financial manager surnamed Chen did repeatedly emphasize that this is a “principal guaranteed” financial product when recommending financial products to her.

In this regard, Sina Financial exposure platform called the financial manager surnamed Chen and Beijing Enji branch of China Construction Bank, and the other party was in a state of no answer.

It is understood that in recent years, the agent sales business of commercial banks has developed rapidly, but at the same time, there are also problems such as misleading sales, unauthorized agent sales, private sales of products and unclear risk responsibilities with cooperative institutions. Relevant departments also explicitly require bank salespeople to fully disclose the risks of consignment products and shall not mislead customers to buy products by means of exaggerated publicity and false publicity; It is stipulated that commercial banks shall not mix the consignment products with deposits or financial products issued by themselves, bundle the consignment products with other products against the wishes of customers, provide direct or indirect, explicit or implicit guarantee for the consignment products, and allow non bank personnel to engage in product publicity, promotion and sales at bank outlets.