百姓财经话丨担心“存款变保险”？银行代销金融产品有了新规定

Core Viewpoint - The new regulations issued by the Financial Regulatory Bureau aim to standardize the agency sales of financial products by banks, enhancing consumer protection and addressing issues such as misleading sales practices and the phenomenon of "deposits turning into insurance" [1]. Group 1: New Regulations Highlights - The regulations impose strict selection criteria for agency products and partner institutions, ensuring that banks only accept products from licensed financial institutions and conduct thorough due diligence on these products [2][3]. - Banks are required to manage partner institutions through a list system, establishing qualification standards and exit mechanisms for institutions that violate regulations or pose significant risks [3]. Group 2: Prohibited Practices - The regulations outline 11 prohibited behaviors for bank agency sales, including misrepresenting agency products as proprietary, false advertising, bundling sales, and selling products unsuitable for the customer's risk tolerance [4]. - Banks must enhance suitability management in their agency sales, recommending products based on the customer's financial situation and risk capacity [4]. Group 3: Special Considerations and After-Sales Service - The regulations mandate more cautious sales processes for vulnerable groups, such as the elderly, and emphasize the importance of risk disclosures [5]. - Banks are required to maintain oversight of agency products throughout their duration, ensuring that they monitor risk characteristics and facilitate customer complaints effectively [5].