Bank Publicity Is For Sale In Order Not To Be Abandoned.

Bank financing products "flying alone" cases often appear, not only investors are faced with investment risks, but others are also criticized for their lack of internal supervision and weak wind control and even reputation damage.

Recently, a bank will hang its official website on the sale of personal financial products. Investors can make comparisons to reduce the possibility of being flown.

Although the bank is trying to cope with the problem of flying alone, the actual effect remains to be verified.

It is the Guangdong Development Bank that hangs personal financial products.

Media reporters found that in this document, including the bank's self financing products, insurance and public offering fund products, the publicity includes product name, product category, source, risk level, expected rate of return, qualified customer standards and starting amount.

The bank said the move was aimed at upgrading.

To prevent customers from buying financial products that are not authorized by the bank.

The so-called "flying list" refers to the collusion of individual employees of a bank with the social workers driven by interests, the selling of products with high yield as a bait, and the sale of non bank independent financial products, non bank authorization and the signing of a consignment agreement of the third party financial products.

In recent years, the phenomenon of flying alone is common. Many banks have been involved in it. Many investors do not know that they are buying non bank products such as private equity funds or silver investments until the product fails to pay.

In order to prevent the issue of flying alone, regulators have made various efforts, including the issuance of the notice issued by the China Banking Regulatory Commission on strengthening internal control and management of banking financial institutions and effectively preventing operational risks of counter business.

In fact, many banks have been able to find financial products in the bank's official website. However, the situation of flying orders still happens frequently.

To media reporters, in her view, in order to solve the problem of flying alone effectively, banks should establish effective internal management and supervision mechanism, not only to investigate the professional competence of employees, but also to pay enough attention to their professional ethics.

Every employee is responsible for ensuring that the system can be monitored and monitored by staff at the same level or higher level.

In addition, some abnormal behaviors of employees should be followed up.

In terms of supervision, the relevant regulatory departments should make qualitative analysis of the flying incident, and stipulate how to deal with the matter once it happens.

Throw it all away.

Experts also said that investors should not be confused by high-yield. Before buying financial products, they should be clear about whether they are buying financial products or selling products. They should carefully check the product manuals and inquire whether they have the product through the bank's official website before buying.

In the eyes of analysts, banks will actively respond to the sale of financial products on the fly, but now many customers do not often log on to the bank's official website to see whether it is timely to update the content.

Media reporters found that the updated sales directory in Guangdong Development Bank was only for sale in September 30, 2015, and the products on sale were closed to November 26, 2015.