1. False propaganda: When promoting wealth management products, some banks may exaggerate product income or conceal risk information, thus misleading customers.
2. Sales pressure: In order to achieve the sales target, some bank employees will exert excessive sales pressure on customers and even adopt fraudulent means to promote wealth management products.
3. Improper sales: Banks may sometimes sell high-risk wealth management products to customers who do not have risk tolerance or do not understand the risks of wealth management investment, resulting in losses for customers.
4. High commission: The salary of some bank employees is linked to the sales volume, and high commission may lead employees to promote wealth management products that are not suitable for customers for their personal interests.
5. Lack of transparency: Some wealth management products may not have clear information such as cost structure, investment risks and return methods, which leads to customers' lack of comprehensive understanding when purchasing.
6. Responsibility is not in place: Some banks may not be responsible enough in after-sales service and risk warning to remind customers of possible risks in time.
However, it should be pointed out that not all banks have such problems, and many banks are also committed to providing honest and transparent services. When purchasing wealth management products, customers should take the initiative to obtain relevant information, understand the characteristics and risks of the products, and compare the products of different banks in order to make wise decisions. At the same time, if you encounter any problems or questions, you should communicate with the bank in time and seek professional advice.