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银监会：银行应严格区分自有产品和代销产品

2013年08月20日 07:59   来源：中国证券报   陈莹莹
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　　银监会19日发布的《银行业消费者权益保护工作指引》（征求意见稿）提出，银行业金融机构在产品销售过程中应严格区分自有产品和代销产品的性质，不得混淆、模糊两者性质并误导销售金融产品。

　　银行业金融机构应充分尊重消费者的知情权和自主选择权，不得在推销产品或服务过程中以任何方式隐瞒风险、夸大收益，或者进行强制性交易。银行业金融机构应充分了解消费者的风险偏好、风险认知能力和承受能力，切实保障银行业消费者在银行业金融机构安全获得产品和服务。


（责任编辑：魏京婷）

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