银行理财业务存在什么问题啊我想问问

赵黎繁 2019-10-14 11:15:00

推荐回答

对公众理财知识的宣传教育力度不够
客户对于理财产品的认知尚不成熟,理性投资理念尚未完全树立,投资风险意识比较淡薄。最近很多针对银行理财产品“零收益”、“负收益”现象的投诉事件也随之增多。理财产品的投诉除了部分是源自销售人员的误导以外,实际上相当一部分都是投资者对于风险的应急能力以及金融知识欠缺导致的。据调查有近八成的消费者对理财业务知之甚少。
理财业务售后服务不到位
从各商业银行理财实践活动看,客户在理财过程投诉乃至诉讼最多的是开放式基金、代理证券业务、代理保险业务、个人账户黄金买卖、个人账户外汇买卖业务、个人理财业务等理财流程问题。虽然商业银行个人金融业务不断创新,但相关的业务咨询、功能介绍、金融导购等售后服务却严重滞后,使得许多居民对个人金融服务项目一知半解,无法真正享有服务。

穆高超2019-10-14 11:48:00

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其他回答

  • 风险揭示不到位 

    部分银行在向客户推荐银行理财产品时,没有向客户揭示银行理财产品的资金投向、还款来源以及银行理财产品存在的风险。甚至有的银行理财经理口头告诉客户,他们的理财产品是保本保收益的,误导部分客户。

    bohunseng2019-10-19 15:57:00
  • (一)理财市场不规范,导致恶性竞争
    (二)理财人员知识结构不健全,专业的理财规划师严重缺乏

    黄瞩信2019-10-14 11:57:00
  • 理财产品营销不规范,产品透明度不高
    部分银行在推销理财产品时,没有清楚、全面地告知客户该理财产品的收益和风险,甚至为了完成发售任务,采取模糊收益率、弱化风险提示等手段误导投资者,或吸引不适合该理财计划的客户购买。
    齐晓杰2019-10-14 11:54:00

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