4000 to the Post Office Savings Bank deposits been fooled to save money to buy the insurance

 Selling bank and insurance issues for the past few years, this newspaper has done a lot of stories to remind a lot of times, depositors have to be alert to distinguish between insurance and the difference between regular CDs. Often see the white-haired old man, holding insurance policies to find the newspaper reporter, sad to say, clearly the deposits do not know how the inside to the bank

This time, the 3.15 consumer complaints online, and then exposed bank and insurance sales issues, and pointed out that the postal savings bank in order to mislead the rate of the high ranking. This newspaper has once again aroused attention, depositors may be deceived, but the famous phrase when he said,

go to the bank for deposit business, but some insurance agents assigned to the bank

4000 RMB in Huyou bought insurance

Case I: In 2009, Shaanxi Province, as usual, the master Hou go to China Postal Savings Bank in preparation for their hard savings to 4,000 yuan in the bank, the bank hall, a uniformed staff member came over and learned Hou master to handle the deposit business, quietly pulled him aside, saying that there is now a high interest deposit, only one out of principal and interest deposits for three years, one year of interest can also be cleared, but no mention is insurance business.

Hou
65-year-old master was very seductive, at the time for this business, because the older could not see, did not carefully review the bills.

until last November, the master Hou received a phone call, saying he needs to continue to pay 4,000 yuan, Hou teacher thought it was a bank so that he went to collect interest, one asked, only to find its own account but not deposit insurance, at the moment He realized to his people is not recommended to buy Bank staff, but the insurance company clerk. To this end, the master Hou numerous experiences of finding insurance companies to require drained away the insurance business, but the insurance company has not given a positive response.

Case II: October 2009, the public was going to high teacher salaries to the bank to dump their own, as he handed the card of staff, was the hall, a uniformed female staff to stop, and in its persuaded to buy a high teacher said to a 9% annual interest rate of insurance products can also be participating. High teacher urgently this year only to find not only the principal amount of the money is not taken out, and there is no high interest rates of 9%, and ultimately he can only get 90% of the principal.

Law: The deposit does not require contracts

lawyers said, first of all, the public should pay attention to the adjustment of bank interest rates and regulations formulated by the country, not to have high interest rates just for the sake of the psychological moment, the general business of each bank for deposit interest rate is the same.

Second and most important, the public must be careful before signing the contract signed in the end is what their contract, the deposit for the deposit insurance is an insurance contract is signed, both the content and process business are different.

addition, when an unidentified staff of business, must be a clear understanding of their identity card from the work wear, to produce a work permit in the understanding of identity.