The first is to handle business for some elderly people, and banks have no corresponding flexible policies. Because there is no mobile phone that can't receive the verification code, the100000 wealth management product I bought will be transferred to the next issue. However, for many elderly people, not all elderly people can play smart phones. Young people may think that mobile phones must be essential when going out, but in the eyes of the elderly, mobile phones are dispensable. Old people go to the bank to get their certificates, which can be handled at the counter. However, due to the large number of people at the counter, the staff arranged for her mother-in-law to handle business at the automatic counter, but because her mother-in-law did not bring her mobile phone, she could not receive the verification code and could not exchange it. In order to solve this problem, banks should provide more humanized services. For some old people, not all old people can use intelligent machines.
Secondly, does Li Popo allow automatic transfer? Mother-in-law's son said that her mother had clearly told the bank that her family's wealth management products would not be bought when they expired. The bank received such a request, so why can she automatically transfer100000 wealth management products to the next issue because of time? The key information of the product, such as automatic transfer if it is not redeemed at maturity, is subject to the manual, but the customer Xia did not receive any instructions at all, and her mother-in-law did not know about it.
Finally, Xia didn't know how to use her smartphone, and she didn't sign a contract. How did she buy this wealth management product? Has the bank made a risk assessment of her customers? If it's just for performance, without considering all other external factors, isn't it a bit hasty? An investor risk confirmation letter takes effect without the customer's signature? It is also necessary to consider whether it has legal benefits and whether the parties have a detailed understanding of the whole product. Of course, this is just Bian Xiao's personal opinion.