202 1, depositors need to pay attention. All five banks have problems, and banks have a routine for saving money.

Speaking of banks, I believe you are no stranger, because it is the largest financial institution in China and has always been trusted by residents. Hard-earned money has become the first choice of many people.

However, with the development of the market, there are more and more banks. According to relevant statistics, there are more than 4,600 banks in the market at present, including six major banks, large joint-stock commercial banks, rural banks and private banks. Among many banks, China Bank is the most trusted by depositors. Needless to say, everyone knows that the brand image and scale are there.

However, in the fierce competition, there is also chaos in the banking industry. Among them, five banks had problems and were named by the regulatory authorities and punished accordingly. These five banks are Beijing Rural Commercial Bank, Shanghai Pudong Development Bank, a large local bank, bank of dalian, and Agricultural Bank, one of several major banks. The last one is the Agricultural Development Bank. The main problems focus on two aspects. The first is the problem of arbitrary charges, which can be said to have a bad influence, harm the interests of depositors and violate the principles of regulatory agencies. There is nothing wrong with charging some projects, because banks also have operating costs, but they must be based on fairness, justice, openness and transparency. Based on the principle of voluntary depositors,

Shishi Sub-branch of Agricultural Bank of China actually overcharged 52 times in violation of regulations. The original cost was only 10000, but the service fee was as high as 520,000. The number is amazing. How can it not be punished by the regulatory authorities? Second, bundle sales. In addition to deposits, there are other third-party ancillary products such as wealth management products and insurance, and each product has corresponding indicators. In order to complete the performance, it will be tied in some special circumstances. For example, if you buy a product, the loan amount or interest rate will be lowered, which is not allowed, and it will also harm the interests of customers and affect their rights and interests.

Therefore, depositors should also pay attention when depositing money in banks or handling other businesses, raise their awareness of rights protection and avoid stepping on pits. At the same time, we believe that the business of banks will become more and more standardized, don't you think?