cheap asics there are two approaches

Nine city Postal Savings Bank??
large river information (Henan Legal News correspondent Wang Haifeng) Nanyang Xichuan nine city chomchon Wu Wu Li Hongxing West group of couples to Guangdong to work hard for 12 years, live frugally accumulated under $ 120,000, Dump back home when Savings Bank staff "misleading", the results of 120,000 yuan large sums of money all "insured." The family needed money to the Savings Bank withdrawals, one point actually on the books did not, and that their deposits "insured" and after a year also continued to pay huge premiums, Li Hongxing couple tears: working 12 years to 120,000 saved up, but also continued to pay each year, where so much money to pay our insurance, ah! Down hard the first half save money to survive, to a peasant family can not and will not be used to buy all the insurance you? He complained to reporters reflect,air jordan heels, that is the Savings Bank staff misled, deceived him,air griffey, and now he is not much demand only hope Savings Bank $ 120,000 principal amount of his back on the line,ken griffey sneakers, not the interest.
migrant workers 12 set back 120,000 yuan to the Savings Bank deposits "insured"
star Lee told reporters the parties to reflect, he is Nanyang Xichuan nine city west Wu Wu chomchon group of people, 12 years ago, he and his wife went to Shantou to work, out hard for 12 years, the couple worked hard, live frugally accumulated under the 12 million yuan,ken griffey shoes, 120,000 yuan which they have been there a Postal Savings Bank of China in Shantou, Guangdong. In early 2011, they returned from Guangdong Xichuan home New Year, taking into account after New Year but also to work in Guangzhou, the money in the bank to the home more comfortable. January 5, the couple put their postal savings deposits in Guangdong dump a $ 120,000 home in nine city opened a new postal savings account, was kept for three years on a regular basis, thinking on a regular basis to get some more interest, If the family urgently needs to withdraw money regularly into a demand out, the less you earn points of interest does not matter. In the city of Postal Savings Bank deposit and nine of money ready to go when a female counter staff outside the Savings Bank stopped them, saying deposits of more than 100,000 of them, (Savings Bank) free to send them an insurance policy, in the female urging of staff, they think that since it is sent free of charge, pick up the face of grinding wheat, not white do not, people will give it. Sign in the two insurance policies, they carries the day there are 120,000 books on the car and went to work in Guangdong.
April of this year, the family called to Guangdong to discuss with parents so that they return home building a new house, on June 15 they took the book back home to get money when the Postal Savings Bank, $ 120,000 found a penny on the book did not,cheap asics, and asked the Savings Bank staff,cheap nike heels, the other replied, then kept the money to accomplishing insurance, a $ 90,000 a $ 30,000, and later adjourned to pay the same amount every year of insurance, They were an ignorant. "We obviously kept the money to the Savings Bank,dunk heels, still in our hands, books,micheal jordan heels, books on money loud noise becomes insurance? Moreover, also continued to pay each year, we where so much money ah?"
Li Hongxing two policies presented to reporters show, Xinhua Life Insurance Company is one of DHS Endowment (A section) participating, the insurance amount of $ 90,000 and the insurance period is January 6, 2011 zero until January 5, 2021, when only 24; other one is the Xinhua Life Insurance Company of DHS Endowment (C section) participating, the insurance amount of $ 30,000, the insurance period January 6, 2011 day zero until January 5, 2021 24 pm. Li Hongxing the hands of only the material of these two insurance policies, no formal insurance contracts, there is no formal invoice to pay premiums.
postal savings and insurance agency manager: full surrender a loss
After several consultations, nine city of Postal Savings Bank agreed to give them a refund, but instead of his wife, Lee Lee Red Star Red Star after signing consent refund (named Li Hongxing deposit account) was told: 120,000 yuan can not complete all the back , cancel the contract in advance with the loss. 120,000 yuan they can only take 100,000 yuan more, less than 10,000 yuan a penalty or something.
one which, of course, Lee star couple quit. Deadlock.
Li Hongxing, told reporters: "We have no liability related to the meaning of accountability Savings Bank, we are our only hope Savings Bank $ 120,000 to back the principal, interest has not enough we do not?" he said,tiger shoes, he has not received any postal depositors or the insurance companys feedback by phone, debit calls, text messages, have not received any notice allowed to undergo a medical examination. "If I have the insurance required under the terms of the insured does not meet the requirements of an illness, accident liability claims when the operator who? This savings and insurance company did not give them any instructions."
21 am, reporters in the nine city of Postal Savings Bank first saw the star couple was to promote insurance products, Lee of the Savings Bank of female staff Zhaoming Yun, for the time she told Li Hongxing couple of insurance products is free,black heels, Zhao Mingyun answer I had told them more than a certain amount of the deposit, can be attached to an insurance product. Depositors in the insurance policy after the signing, we believe that they purchased this insurance product. Reporters asked her, "additional" is how the explanation, Zhao Mingyun no clear answer.
nine city Postal Savings Branch Secretary Zhang Yilong told reporters that they Postal Savings Bank has been doing the insurance agency business, Li Hongxing event may be the two sides did not explain, understand the place caused them to reflect over, the result of a permissions issue, he did not the main, Xichuan county bureau leadership has made a report. He said that reporters come, the bureau has sent over a special deal with the matter, and people immediately went to.
about 1 hour later, Xichuan Post Office is responsible for the insurance agency business Shangjing Li met with reporters, Shangjing Li told reporters, after their studies, there are two approaches, one for a full refund,ken griffey shoes 2011, but savers have a certain loss, loss of depositors probably as much as 10,000 yuan, a penalty and surrender some of the charges; Another way is to policyholders can borrow, you can use mortgage insurance premium of his 90,000 yuan, 75% loans for emergencies. For these two views, Li Hongxing firmly rejected, he said,jordan heels shoes, did not interest me even if the deposits, but also the loss of more than 10,000 me, how can the truth? I can not use the money in Savings Bank deposit and then pay the bank interest on loans, I am crazy busy? Negotiations stalled again. high-level attention to the amount of savers deposits
a point not less
22 am, reporters have visited the Nanyang Nanyang Banking Bureau and the Postal Savings branch.
Nanyang Banking Regulatory Bureau,onitsukatiger, told reporters that the situation similar to Li Hongxing they received several complaints from the depositors around the country similar situation also occurred. Currently, the National Banking Bureau under the relevant departments jointly issued a circular calling for standard outlets insurance agency financial and wealth management business, clearly stipulates that the insurance company staff are not allowed to be stationed in the bank branches to sell insurance, financial products; financial outlets staff do not prospective sales agents at the counter products; financial outlets to obtain insurance agency staff and other financial products eligible, you must explain to customers the details of various products, a personal appearance by the customer, signed insurance and other financial products, any person not allowed to proxy agent .
in Nanyang City, Postal Savings branch, correspondent explained what he wanted, the staff offers warm hospitality to reporters after a specific manager responsible for the work of Wangs phone, telephone communication with the manager of Wang, he said, had been informed of this things, drove nine city is the way the Post Savings Bank, to the time after that he will communicate with the depositors, and properly handle the matter.
9 oclock that night, Wang manager again telephone call to reporters, said the matter had been satisfactorily resolved, satisfactory to the depositor, the two sides have signed a written agreement, the amount of the deposit within one week of depositors will not be a point less all to him.
customers often "insured" highlights the lack of supervision
correspondents Internet search for "insured" in the results found to bank depositors throughout the country, "the insured" happened frequently.
a bank who requested anonymity told reporters, we often think that the local bank is the deposit loans, it is not. Formerly state-owned bank, bank deposits and interest revenue depends mainly on the poor, after the transformation to commercial banks, savings and loan banks outside of the intermediary business revenue into the area, and quickly became the focus of development bank revenue. In recent years, insurance has become an important intermediate business of banks, in some places through the bank channel sales of life insurance premium income accounted for nearly 50% of the total premium. Driven by profit, some staff members or to conceal the true meaning of false propaganda to mislead the consumer, or play word games, fuzzy key words, consumers do not pay attention, do not easily buy their own insurance to buy. He said that before the insurance company personnel are stationed in banks to sell insurance, the end of 2010, the CBRC issued a notice to the insurance company personnel shall not directly entered the bank to carry out insurance business, bank and insurance disputes has decreased. "However, due to higher personal income, bank employees to purchase insurance, inducing depositors do still occur."
The disclosed to reporters, in addition to fees paid to the middle of the bank, the insurance companies,micheal jordan heels, banks also give high commission staff, and staff according to a certain percentage of banks to their branch or agency where the person in charge of network sharing . The staff also said that this kind of thing from happening, partly because the expression of individual bank employees do not know, misleading consumers, but "misguided" to buy insurance consumers are not doing their "duty", but also because of the one.
to regulate bank insurance business, and the China Insurance Regulatory Commission will monitor continuously in recent years issued a series of regulatory documents, made it clear that staff must be more to inform consumers about the nature of products sold, not the insurance and savings products Money Fund confuse sales, nor exaggerate the benefits of insurance products; banks are not allowed to sell insurance products in the savings counter; must be insured by the insured person reproduced prompt book and personally fill out the relevant procedures, no person shall charge daffaires; for serious business organizations and their respective network may order rectification, and the suspension set up insurance agency business.
China Insurance Regulatory Commission, China Banking Regulatory Commission jointly issued the "commercial bank insurance regulatory guidelines" clearly, the bank insurance sales agent behavior is implementation of the main, sales process management responsibilities, the misleading marketing, sales and other actions wrong .
Now, the CBRC issued a notice prohibited, banks and insurance companies have to deal with this in the bank sales of insurance products necessary to conduct supervision and management to protect public property. Bank staff and insurance company personnel should be clearly explained to customers, savings and insurance are two completely different financial management, and insurance companies in the bank to sell insurance products within the workplace of business people can not conceal her identity, the customer should be clear this is in selling insurance rather than a deposit, and should be objective and fair presentation of insurance products,nike heels for women, shall not use the insurance proceeds and interest on deposits and other one-sided way of comparison is misleading or unfair publicity. For the "insured" the phenomenon of frequent occurrence, in addition to banks and insurance companies shall strengthen the supervision, the need to improve the banking and insurance services to employees, business level, in addition to popularize and improve the legal and cultural knowledge of the general public, to remind people who polish eyes seriously insurance contract, but also very important.