How do insurance banks report?

It is a serious violation for commercial banks to acquiesce in the existence of insurance salesmen. Consumers can report to the regulatory authorities and confuse consumers with sales subjects. It is a kind of infringement for consumers, and banks need to bear tort liability. This behavior of the bank has violated the law.

Personal suggestion: We can express our complaints and our demands by calling the national complaint hotline in China Banking and Insurance Regulatory Commission, China or the local complaint telephone number in China Banking and Insurance Regulatory Commission, China.

At the same time, the CBRC will require us to clearly describe the contents of the complaint in writing and provide corresponding legal evidence when necessary. After China Banking and Insurance Regulatory Commission officially accepts our complaint, it will send it to the head office of the bank instead of us, asking the bank to investigate, handle and reply as soon as possible.

As long as our demands are reasonable, as a "service industry", banks will handle our complaints quickly and give us a satisfactory answer. If it is really unacceptable for banks to handle complaints, we can also complain to the CBRC, but we need to pay attention to keeping business traces and relevant evidence.

Legal basis: According to Article 42 of the Measures for the Administration of Commercial Banks in insurance agency business: "Commercial banks shall not allow employees of insurance companies and other non-commercial banks to engage in insurance sales business activities in the business premises of commercial banks."

Therefore, when buying insurance in a bank, the main body of sales is the bank, and the main body of misleading sales should also be the commercial bank. Of course, if it involves surrender, you may have to find an insurance company. Although banks are responsible for sales, there is an agency relationship between banks and insurance companies. The insurance company is the principal and the bank is the trustee. According to the relevant provisions of the Civil Code on agency, the final legal consequences shall be borne by the insurance company.

Generally speaking, the refund of cash value means that your premium needs to be deducted from the operating cost of the insurance company. If you want to surrender in full, you need to cancel the insurance contract, which involves contract fraud.