The Insurance Version Of The Balance Shows A Change

< p > < < a href= > //www.sjfzxm.com/news/index_s.asp > > balance treasure < /a > User exclusive "" expected revenue 7% ", a regular financial product named" Yu Ebao user exclusive rights and interests 2 period ", although it will not be officially released in February 14th, it has attracted nearly 2 million people's appointment.

It has been reported that "the regular balance treasure is actually insurance, claiming that the annual revenue is expected to be 7% and guaranteed."

But by the afternoon of 10, the publicity page had changed the "guaranteed capital protection" to "principal guarantee", and on the 11 day, it changed back to the "guaranteed capital guarantee" with explanatory notes.

Some netizens pointed out that "the product publicity text can be changed so much, it is far from reliable."

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< p > < strong > Product Description changes to < /strong > /p >

< p > reporter found that when the user's exclusive financial product was sold online, the slogan was "the expected yield of one year is 7%, and the promise is guaranteed."

As a result, one day later, the careful media and Netizens found that the "guaranteed cost protection" was changed to "principal guarantee" on the product reservation page, but on the 11 day, the "capital guarantee" became the "guaranteed capital protection *" on the reservation page, and under the activity page, it was stated that the "guaranteed cost protection base" means the security of the investment principal and the minimum 2.5% year yield.

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"P" Alipay staff told the media that when the introduction of "guaranteed cost protection" was introduced, many investors mistakenly thought that the yield of 7% was not in fact.

Since then, business personnel have made timely adjustments.

After the "principal guarantee" is changed, the yield of the insurance product is lost by 2.5%. Finally, it is more accurate and clearer to replace the "guaranteed capital guarantee" with the explanation.

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< p > < strong > netizens do not buy it < /strong > < /p >

< p > a netizen pointed out that "no longer guaranteed capital guarantee, 7% is only the expected rate of return, the actual income is not guaranteed, then make an appointment not to buy."

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< p > the exclusive financial product is a universal insurance product. < a href= "//www.sjfzxm.com/news/index_cj.asp" > Insurance > /a > the expected annual yield of the company is about 7%, while universal insurance itself has a 2.5% guaranteed income.

Ali financial people said, "universal insurance is not the first time on Taobao insurance channel sales, so the page design colleagues are very clear that omnipotent insurance can guarantee the principal and have the bottom income, before in other products publicity also used a similar product description, but did not think this has caused consumers misunderstanding, indeed, in the future need to be more rigorous."

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< p > < strong > management intends to supervise the publicity of Internet insurance products < /strong > < /p >

< p > industry insiders admit that from the perspective of Internet, user experience is the first. Therefore, in page design, we hope that we can introduce this product in a language that is not familiar with consumers. On the one hand, we can highlight the function of universal insurance, which is both guaranteed and guaranteed.

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< p > reporters understand that the sale of Internet insurance products has also attracted the attention of regulators.

According to the introduction, at the end of last year, the relevant regulatory authorities have investigated many insurance companies that are expanding their Internet business, and investigated whether these companies have established corresponding operational norms to prevent the overall business risk of Internet insurance sales.

These include whether the complaint can be quickly answered and solved, whether the payment of the surrender fund is delayed or not, and the design of the Internet insurance product clause is not only misleading when it tries to be concise and concise.

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< p > for some insurance companies to develop short term and high-yield omnipotent products and other financial insurance business, Chen Wenhui, vice chairman of the Insurance Regulatory Commission, has also written that insurance companies should strictly abide by the relevant provisions of < a href= "//www.sjfzxm.com/news/index_f.asp" > Product > /a > propaganda and information disclosure on the Internet.

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