Article 37 of the Measures for the Administration of the Sale of Wealth Management Products of Commercial Banks promulgated by the CBRC stipulates that commercial banks engaged in the sale of wealth management products shall not sell wealth management products by lottery, rebate or in-kind gift.
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In recent years, the news that a joint-stock bank outlet deposits to send Apple mobile phones and Mercedes-Benz is quite eye-catching. It is understood that this activity was first launched by individual grassroots outlets of banks to attract customers and deposits. It's not that banks give away extra money besides interest, but the interest part will help customers buy mobile phones as gifts in advance.
Mainly for 5-year regular customers. 38,000 yuan for 5 years, the bank sent 128G iPhone6 Plus, and the online promotion price was about 7,600 yuan; If you save 903,000 yuan in five years, you can get a Mercedes-Benz A 180. It is understood that the starting price of this car is 220,000 yuan.
Due to the suspicion of high interest rates, the branch of the bank is strictly forbidden to do so at the grassroots outlets after understanding the situation. However, the reporter of Beiqing Daily learned that many customers are willing to do so. They think it is cost-effective to deposit regular interest on mobile phones.
These practices of bank outlets are actually "high-interest deposits" strictly prohibited by the regulatory authorities. In addition to deposit interest, giving customers a few dollars as a souvenir is essentially a high-interest deposit.
People's Network-"Receiving Gifts" is put on the table, and deposits and gifts appear publicly.
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