1. Bank responsibility: As a financial institution, banks are obliged to provide accurate and appropriate investment advice. If the bank salesperson gives inaccurate or misleading information, which leads you to buy inappropriate fund products, it may constitute the responsibility of the bank.
2. Investor's responsibility: As an investor, you also have a certain responsibility to fully try and understand the fund products. If you don't fully understand and make investment decisions, your own misjudgment may also lead to investment losses. In this case, the bank may not be liable for compensation.
3. Complaint and dispute resolution: If you think that the bank salesperson has provided false or misleading information, you can lodge a complaint with the bank. Banks can investigate and take measures to resolve disputes. If you can't reach an agreement with the bank, you can consider seeking help from local financial regulatory agencies, arbitration institutions or courts.
In this case, it is strongly recommended that you consult a professional financial legal adviser to understand the specific laws and regulations of your country or region and take appropriate legal actions according to your specific situation. If you buy a fund without a fund certificate and suffer losses, the bank may not be directly responsible for compensation. However, the specific situation may vary according to the judicial system and local laws. The following principles can be universally applied:
1. Bank responsibility: As a financial institution, banks are obliged to provide accurate and appropriate investment advice. If the bank salesperson gives inaccurate or misleading information, which leads you to buy inappropriate fund products, it may constitute the responsibility of the bank.
2. Investor's responsibility: As an investor, you also have a certain responsibility to fully try and understand the fund products. If you don't fully understand and make investment decisions, your own misjudgment may also lead to investment losses. In this case, the bank may not be liable for compensation.
3. Complaint and dispute resolution: If you think that the bank salesperson has provided false or misleading information, you can lodge a complaint with the bank. Banks can investigate and take measures to resolve disputes. If you can't reach an agreement with the bank, you can consider seeking help from local financial regulatory agencies, arbitration institutions or courts.
In this case, it is strongly recommended that you consult a professional financial legal adviser to understand the specific laws and regulations of your country or region and take appropriate legal actions according to your specific situation.