What rights and interests of consumers will be harmed by bank employees' one-sided exaggeration of income and avoidance of risks?

Bankers unilaterally exaggerate which rights consumers will be harmed by avoiding risks, and bankers must fulfill their risk notification obligations.

Avoiding risks can be related to your right to know.

This paper discusses the knowledge gains of bank employees' consumer rights protection. According to the difficulties and hot issues in the protection of bank consumers' rights and interests in China, combined with the relevant legal framework of the current financial industry, this paper summarizes and analyzes the current situation of bank consumers' rights and interests protection in China by using dialectical thinking methods. Based on China's current national conditions and the development of financial industry, this paper puts forward the relevant design and improvement measures of bank consumer rights protection system, trying to make this paper practical, instructive and forward-looking in the development of consumer rights protection in the same industry. For China's banking industry, in recent years, with the diversification, individualization and exclusiveness of products and services, various financial consumption disputes such as bank service charges and wealth management products have been rising. How to effectively safeguard the legitimate rights and interests of bank consumers in the industry has become increasingly prominent, and the topic of protecting the rights and interests of bank consumers has become hot. As participants directly involved in financial services, bank consumers have been paid more and more attention by China People's Bank, China Banking Regulatory Commission and China Banking Association. Therefore, what problems do banks face in protecting consumers' rights and interests, and how to carry out their work efficiently; As a specialized institution providing financial services and products, how to fulfill its obligations and protect the legitimate rights and interests of bank consumers has become increasingly prominent.

The reality of the protection of bank consumers' rights and interests and the current situation of insufficient legislation. The concept of bank consumers should be a concrete extension of ordinary consumers in the financial industry, but it does not exist in any form, especially from the perspective of mandatory laws and regulations. At present, the main legal basis for the protection of consumers' rights and interests in China's banking industry is the Consumer Protection Law, but it has its limitations when it is applied to the protection of consumers' rights and interests in the banking industry. First, the law was promulgated and implemented in 1994, with a history of 19 years, which obviously has not adapted to the current situation of China's economic and social development. For example, consumers in the emerging e-commerce field. Secondly, from the perspective of Article 2 of the Law, the original expression is: "Article 2 The rights and interests of consumers to purchase, use goods or receive services for their daily consumption needs are protected by this Law; Matters not provided for in this Law shall be protected by other relevant laws and regulations. "Calling the adjustment subject' consumer' is very vague in itself, and there is no clear definition of subject identity. After more than ten years of judicial practice, it has become a common practice to list natural persons as protected objects in the field of consumer law elimination, but this is only a common practice or habit to become natural. Only from this point can we see the limitations of China's current Consumer Law. Third, the definition of "living consumption" is too narrow, which does not conform to the characteristics of consumer transactions in the financial industry. For example, as far as our banking industry is concerned, the development of fund financing, agency of national debt and some intermediary businesses has gone far beyond the general category of living consumption. This does not involve the complexity of goods and services that our banking industry calls to understand this limitation.

100 points urgently seek the electronic version of the knowledge reader of consumer rights protection for bank employees. Hello, the banking qualification examination is a national unified examination. The examination is conducted by randomly selecting test questions from the question bank system (randomly generating test papers). The exam is not difficult. In addition to personal finance, other subjects are purely written. I can read more books and do more exercises, and there is no problem in getting into the exam.

I hope I can help you and wish you a happy life.

Do you have the first chapter of Chapter 2 of the Banker's Consumer Rights Protection Reader? 605376033@qq。 Thank you.

Where can I buy a banker's consumer rights protection reader? Do you have a knowledge bank for bankers' consumer rights protection?

Senior wardrobe practitioners exposed how to deceive consumers. Recently, a wardrobe industry practitioner exposed the hidden rules and profiteering shady business of the wardrobe industry to reporters, and was shocked after listening! As media people, it is necessary for us to expose it on the internet and let more consumers know!

1, the grade standard of plate is vague, and it is shoddy.

The employee said that the wardrobe industry often talks about the grade of plates, such as E0, E 1. The so-called E0 grade board means that the formaldehyde emission is ≤0.5mg/L, the formaldehyde emission of E 1 grade is 0.5mg/L~ 1.5mg/L, and the formaldehyde emission of E2 grade is greater than 1.5mg/L. The national standard is only E 1 and E2 grade. The formaldehyde emission of particleboard produced in some countries is less than or equal to 5 mg/ 100 g, which is called "E0 grade".

At present, most brands in the market are promoting their products to use E0 grade plates, which has high environmental protection efficiency. However, according to this person, whether there are E0 grade plates is still controversial, and not many people actually use E 1 grade plates. Some brands simply put empty promises, betting that consumers won't really take them for environmental testing, so they just talk nonsense and brag unscrupulously. In addition, some manufacturers' plates are indeed E 1 grade plates, but they are not really E 1 grade plates, but E2-grade plates (which are not environmentally friendly and cannot be directly used for interior decoration). Only after in addition to formaldehyde treatment (a series of chemical reactions) can they reach E 1 grade. But in fact, its harm still exists. If these plates reach consumers' homes, the harm is also great.

2. Eco-boards are all "false concepts"

In recent years, there are always wardrobe merchants who love to speculate on false concepts such as "eco-board" and "fragrant board". The practitioner said that in fact, in Europe, the mainstream material of wardrobes is solid wood particle boards, and the "eco-boards" and "fragrant boards" hyped by some businesses are not suitable for wardrobes. He said that the "eco-board" is the core of Chinese fir, and the density board is stuck on both sides, so some merchants steal the false concept of "solid wood". Disposable chopsticks are made of Chinese fir. Can you say disposable chopsticks are solid wood? As for the "fragrant board", it is actually made of straw and straw. Turn it into powder and mix it with glue. Therefore, the stability and hardness of the wardrobe made of "ecological board" and "fragrant board" cannot be guaranteed.

3. A set of private customized cabinets is charged on both sides.

Personal tailor should be tailor-made, but the problem is that it will greatly increase the production cost of products. The employee broke the news that some businesses will produce 65438+ No.0 cabinets, No.2 cabinets and No.3 cabinets with different specifications in advance in order to reduce costs. After the consumer measures the actual size, the merchant combines the fixed cabinets like building blocks.

4, aluminum-titanium alloy sliding door that is a flicker.

The sliding door of the wardrobe is also an important part. The practitioner said that most of the sliding door frames are magnesium-aluminum alloy, but recently some merchants have fooled consumers under the banner of "aluminum-titanium alloy". He explained that "Al-Ti alloy" is originally an aerospace material. Some optical shops sell "Al-Ti alloy" frames with memory function, and a small frame costs 600-700 yuan. If it is really an "aluminum-titanium alloy" movable frame, isn't that a high price? How can you fly into the homes of ordinary people? When it comes to magnesium-aluminum alloy frames, there is also stress. The finished alloy is bright in color. If it is a recycled magnesium-aluminum alloy frame, the color will be darker because it contains many impurities. In addition, the price difference between the glass and pulley of sliding door is quite outrageous. The price per square meter of a good piece of glass is about 160 yuan, while the second-class glass only needs 50 yuan, which obviously has bubbles or the thickness is not up to standard.

5, wardrobe industry profiteering: consumers are big.

What is profiteering? The insider said: The E 1 grade solid wood particle board with the cost per square meter in 60 yuan is sold by the dealer to consumers above 200 yuan; The wardrobe purchased by consumers in furniture malls costs 2-5 times as much as its cost, and the profits of wardrobe manufacturers and distributors can reach more than 400% at the highest. Some things, if you don't delve into them, you will never know how many shocking stories there are.

This practitioner said: It is very common that the profit rate of wardrobe industry is above 50%. There is a popular "general rule of the game" in the wardrobe industry-agents usually sell them to consumers at about 2.5 times the purchase price; From the manufacturer to the sales terminal, the price multiplier of wardrobe products varies from 1.8 to 5 according to different sales models! If the price of a wardrobe is 9000 yuan, then its cost is about 2000-3000 yuan. In other words, the final price of the product reached 2-4 times the cost. "200%-300% profit, not profiteering? Is it violence? " The person asked. Of course, some people will say that the money is finally earned by the dealers, and the wardrobe brand manufacturers themselves have not made any money. However, no matter who makes the money, it is the consumers who are ultimately responsible. Huge profits are "violent" on consumers, and consumers are big heads.

How to choose between stock returns and risk aversion? Take profit 10%-30%, stop loss 1%-5%.

What are the occupational risks of bank employees? There are many places to reflect.

Internal:

1. Personal seal, cash seal and transfer seal shall be properly kept to prevent others from stealing.

2. The use of personal teller ID, the password is modified regularly to prevent others from using it.

3. Cash banks shall settle accounts on a daily basis and shall not misappropriate or borrow them.

4. Cash collection and face-to-face counting, with anti-counterfeiting and anti-money laundering awareness.

5. Important blank vouchers of bank drafts should be properly kept to prevent loss.

6. Notes shall be filled in the manual and shall not be altered.

7. When a customer opens an account to report the loss of a large withdrawal, he must show his identity certificate.

8. The delivery of the cash box must be carried out by two people, and the delivery seal shall be changed after the account is reconciled.

external

1. Keep the key to the bank gate.

2. Hand over the cash box in the morning and evening.

3. After the bus arrives in the morning and evening, non-bank staff are not allowed to stay in the bank.

4. The normal use of alarms and fire extinguishers.

5. Emergency countermeasures (explosion robbery).

Hehe, it's getting late. I should go to bed. I should have thought so much first, and it should be time.

How do ordinary consumers avoid the risk of WeChat payment? First of all, WeChat payment has five security guarantees to provide users with security protection and customer service. Technical support: WeChat payment is supported by Tencent Big Data, and massive data and cloud computing can judge whether the user's payment behavior is risky in time. All-round identity protection based on big data and cloud computing ensures the security of user transactions to the greatest extent. At the same time, WeChat secure payment authentication and reminder technically ensure the security of every link of the transaction.

The fair trade right of bank consumers refers to the right to education that bank consumers enjoy when handling business in banks. Security right is the first and most basic right that bank consumers enjoy as consumers.

The so-called consumer safety right means that consumers have the right to ask business operators to protect their personal and property safety from damage when purchasing, using goods and receiving services.

Consumer safety rights include the following two aspects.

1. Right to personal safety. It also includes:

1) consumers' right to life safety. That is, the right of consumers not to endanger their lives. If the instrument is toxic and causes the consumer to be disabled, it violates the consumer's right to life.

2) consumers' health and safety rights. That is, consumers' right to health is not damaged, such as poisoning caused by unsanitary food or disability caused by electrical explosion, which are violations of consumers' right to health and safety.

2. Right to property security. That is, the right of consumers' property not to be lost. Property loss sometimes manifests itself as the appearance of property damage, and sometimes as the decrease of value.