Jiangsu Banking Regulatory Bureau "five strokes" to help you reduce the risk of card security

It is necessary to go to the bank outlets to buy financial products, insurance and other products to record and record. Is this a necessary procedure? When a bank card is stolen, how can an ordinary consumer protect his or her card security? How do individual consumers maintain their rights and interests if they have a business dispute with the bank? This morning, Xu Zhengwen, Director of the Banking Consumer Rights Protection Division of Jiangsu Banking Regulatory Bureau, connected this website.

In the first half of this year, it is necessary to go to a banking outlet to purchase risk products.

Recently, some bank consumers go to bank outlets to buy financial products, insurance and other products that need to be recorded and recorded. Previously, there was no such procedure. Some consumers felt that adding this program was very troublesome and delayed the processing time. Is this procedure necessary?

Xu Zhengwen introduced that in December 2015, Jiangsu Banking Regulatory Bureau issued the "Notice on Promoting the Recording and Recording of Commercial Banks' Risk Products", and implemented the recording and video recording of commercial bank risk products sales throughout the province, requiring commercial banks within the jurisdiction. Audio and video recordings are required for sales and agency sales, for the generation of various financial plans for non-guaranteed interest and security, and for third-party products. At the same time, it is required that before the end of March 2016, all banking financial institutions should realize audio and video recording of risk product sales at all business outlets within the jurisdiction of Jiangsu. Since April 1, 2016, business outlets that cannot meet the recording and recording requirements cannot be engaged in related business.

According to the spirit of the document, bank outlets now need to record audio and video when selling risky products such as wealth management and insurance to consumers. This is a mandatory requirement of the regulatory authorities and a necessary procedure for handling business. It cannot be cancelled. Some consumers may feel that this is more troublesome than before, and there is one more procedure. However, the introduction of this regulation is to further safeguard the right to know and the choice of the banking industry consumers, not only to constrain and regulate the bank employees in the process of selling products. The behavior also leaves evidence of the entire sales process, and if there is a related dispute in the future, the responsibilities of both parties can be better clarified.

Jiangsu Banking Regulatory Bureau to protect the safety of citizens

Cases in which bank cards have been stolen have occurred from time to time, causing great damage to the property security of ordinary people. As an ordinary consumer, how can they protect their card security?

Xu Zhengwen gives five suggestions: First, you should properly save the bank card related information, and don't be informed by others about the card number, password, expiration date, CVV2 on the back of the card, mobile phone dynamic verification code and other information. The second is to pay attention to the card transaction. Don't lose your password, prevent others or pinhole cameras from peeking; if you find that your password has been peeked, you should change your password or contact the bank to report the loss. In addition, when swiping the card, pay attention to whether the card is brushed on the two POS machines, and pay attention to the number of times the cashier has swiped. The third is to handle the receipts safely. Many depositors discard their receipts at the bank ATM machine and counter, which may leak the depositor information. It is recommended that bank customers must properly handle the receipt after completing the business. The fourth is the network payment to prevent "fishing". For online transactions that require passwords for contactless networks, do not operate on public networks such as Internet cafes and organizations as much as possible; do not log in to unknown websites at will, and be careful of the Trojan horse to collect payment passwords. The fifth is to open the text message in time. At present, most banks have SMS notification services. In case of stolen brushing, cardholders can find out in time according to SMS notifications and minimize losses.

The personal loan guarantee business requires the guarantor to handle the dispute in the event of a dispute.

Recently, some bank customers have reported that they have made loan guarantees to others without their knowledge. If the borrowers are unable to repay their loans, they will have to bear the responsibility and face huge economic losses. Can this happen?

"According to the regulatory requirements and the bank's standard operating procedures, the guarantee contract in the personal loan must be signed by the borrower and the guarantor to ensure that the guarantee contract is true." Xu Zhengwen said, according to the "Promotion of the recording and recording of commercial banks' risk products." The Notice requires that the bank now handles personal loans, especially the personal loan business with the guarantee of others. It is also necessary to have a recording and video recording process to ensure that the business is handled by the parties personally, the contract is voluntarily concluded, and there is no false impersonation. . In the event of a related dispute, the guarantor believes that he should not bear the burden of guarantee, bear the burden of proof, and file an objection with the judicial department to protect his legitimate rights and interests. As a regulatory department, the banking regulatory bureau will further require banking financial institutions within its jurisdiction to regulate the personal loan processing procedures, especially requiring banks to implement the regulatory requirements for audio and video recordings to ensure that the entire business process is compliant, transparent and traceable.

When a consumer has a business dispute with a bank, it should be reflected to the banking institution or regulatory authority as soon as possible.

If a personal consumer has a business dispute with the bank, how can the complaint be more efficient and how to better protect his or her rights? Can the regulator directly compensate the bank to individual consumers?

Xu Zhengwen said that from the experience of the banking supervision department in handling complaints, if a consumer has a dispute with the bank, he should report the situation to the relevant banking institution or the higher-level department of the banking institution at the first time. Generally speaking, the vast majority of disputes can be resolved through negotiation, which is the most convenient and fast channel. For some disputes that are more complicated or not properly handled by banks, consumers can report to industry associations or regulatory authorities. According to the principle of “defending rights according to law and coordinating disposal”, the supervisory authorities will actively coordinate the handling of conflicts between banks and consumers, and urge banking institutions. Proactively communicate with consumers and strive for reconciliation. Xu Zhengwen stressed that according to the situation provided by consumers, if the regulatory authorities verify that the bank does have violations during the business process, then the bank can be given corresponding penalties according to the regulations, but this does not mean that the regulatory authorities have the right to directly request Banks compensate consumers, and civil rights and obligations also need to be judged through judicial channels.