每年的3·15，消费者总有好多苦水要吐，对于绝大多数企业而言，3·15无疑是一把考量自身经营服务的“标尺”。

Every year on March 15,Consumers always have a lot of bitterness to vomit,For most companies,March 15 is undoubtedly a consider oneself management service"scale".

　　金融市场自从开始注重声誉风险后，这几年各类投诉确实少了许多，例如去年3·15集中投诉的银行附加收费业务等情况，买保险产品犹豫期过短等，都得到了较为明显的改善。本报的金融热线（0871—64155124）自本月开通以来也受到了消费者的高度关注，今天，我们来听听、看看读者们又反映了什么问题，是否从中可以给你一些经验与提示。

Since financial markets began to pay attention to reputation risk,Over the years all kinds of complaints does much less,For example last year 3 · 15 complaints of centralized bank additional fees, and so on and so forth,Buy insurance products, such as hesitation period too short,Got evident improvement.Our financial hotline(0871-64155124)Since opening this month has been the attention of consumers,today,Let's listen to/See what readers and reflect the problems,Whether we can give you some experience and tips.

民间借贷 Private lending

　　遭遇“砍头”、加收增值服务费？

encounter"The beheading"/Value-added service charge?

　　律师：无论采用哪种形式，只要超过规定利率，贷款人就可向法院起诉

The lawyer:Either form,As long as the excess of the prescribed rate,The lender can Sue to the court

　　一则“温州拟立法，设民间借贷年息上限为48%”的消息再次让“高利贷一词”成为关注焦点。

A piece of"Wenzhou proposed legislation,Set the folk lending limit annual interest of 48%"The news again"Usury is a word"Become the focus.

　　回顾过去的2011年与2012年，“高利贷”能赚钱已经家喻户晓，但是几乎都是以债主的角度来看待这一话题，作为债务人的贷款者，有的确实日子艰难，很多人又不懂法律、不懂维权，只能“任人宰割”。根据《中国人民银行关于取缔地下钱庄及打击高利贷行为的通知》，民间个人借贷利率由借贷双方协商确定，但双方协商的利率不得超过中国人民银行公布的金融机构同期、同档次贷款利率（不含浮动）的4倍。超过上述标准的，应界定为高利借贷行为。

Looking back in 2011 and 2012,"usury"Can make money has been a household name,But almost all are creditor's perspective on this topic,As the debtor's borrowers,Some really hard days,A lot of people don't know the law/Don't understand the rights,Can only be"Lose your life".According to the[The people's bank of China about banning underground Banks and inform against usury behavior],Private personal borrowing rate shall be determined between both borrowers and lenders,But both sides talks things over interest rates must not exceed announced by the people's bank of China financial institutions at the same time/The same lending rates(Do not contain the floating)Four times as much.More than the above standard,Should be defined as highly borrowing.

　　>王先生近日向记者反映：“由于企业资金周转，我2011年7月份开始，向昆明XX小额贷款有限公司先后借贷6次，累计贷款时间为9个月左右，每次贷款金额为400万元，共支付利息180万元，月息为5%。今年市场不好，我已经逾期两月，根据他们公司的规定，要收走我市价700多万元的铺面，我现在该怎么办？”

>Mr Wang told reporters recently:"Because of the enterprise capital turnover,I started in July 2011,XX lending to small loan co., LTD has successively to kunming 6 times,Total loan for 9 months or so,Each loan amount is RMB 4 million,Pay 1.8 million yuan,Monthly interest is 5%.Market is bad this year,I have two months overdue,According to the regulation of their company,To me the market price of more than 700 ten thousand yuan to collect pavement,What should I do now?"

　　记者就此事咨询了昆明一位多年办理金融案件的资深律师张先生，张律师表示：“这两年来，民间借贷纠纷案件属于快速增长期，其中放贷者多用手段为：‘砍头’（提前收走利息）、加收增值服务费等，但是无论采用哪种形式，只要超过规定利率，那就是不受保护的，贷款人可以通过法律手段追回全部损失。”

Reporters on the issue of kunming, a senior lawyer Mr. Zhang for many years to deal with the financial cases,Zhang guoquan, lawyer said:"The last two years,Private lending disputes belongs to rapid growth,The lenders to use means:‘The beheading’(Take interest in advance)/Value-added service charge, etc,But no matter adopt what kind of form,As long as the excess of the prescribed rate,That is not protected,Lenders can through legal means to recover all losses."

　　张律师告诉记者，例如：1个月期限，1000万元贷款，按照基准利率4倍，大概是年化23%左右，算月息的话2分左右。放贷者采用“砍头”的方法以5分月息提前扣除50万元，那他给客户打款时，就是950万元，而绝不是合同中签订的1000万元，贷款者无论何时（贷款前或贷款之后），都可以拿着贷款合同以及银行打款记录向法院起诉。这类案件几乎都是胜诉，而且利息支付也是按照实际打款的950万元来计算。“像上述王先生这种情况，就算按照每月到期还款，最多也就应该给其支付70万元左右的利息，还可以退回110万元，至于抵押的房产如何处理，还要看具体签订的协议或合同再定。”本报记者 杨东照

Zhang guoquan, lawyer told reporters,Such as the:A month time limit,10 million yuan loan,According to the benchmark interest rates four times,Is about 23%,Calculate monthly interest about 2 points.Lenders use"The beheading"Method with 5 points monthly deduction of 500000 yuan in advance,That when he gave the customer money,Is 9.5 million yuan,And is not signed in the contract of 10 million yuan,Borrowers whenever(Loan before or after),Can take a loan contract and bank payment record to the court.These cases are almost won,And interest payments is calculated according to the actual amount of money of 9.5 million yuan."Like the Mr Wang this situation,Even if according to the monthly payments due,You should pay the 700000 yuan at most of the interest,You can also return 1.1 million yuan,As for mortgage housing,Also look at the specific agreement or contract."Our reporter Yang Dongzhao

企业贷款 Business loans

　　州市银行要求60%的存款配比等附加条件？

State Banks require 60% deposit ratio conditions?

　　维权经验分享：办理业务时记得录音，并记录对话时间，向监管部门或媒体投诉

Rights of experience sharing:Remember when dealing with business,And record the conversation,Complain to the regulators or the media

　　3月6日，本报接到曲靖读者罗先生来电，投诉某商业银行曲靖分行信贷部在办理小企业经营性贷款时，需要企业配合才能放贷：事先存入贷款金额的50%，购买5万元的保险产品或办理银行承兑汇票业务。记者于本周一前往曲靖，对曲靖部分商业银行贷款附加行为进行了摸底。

On March 6,,This newspaper received Mr Luo to qujing readers,Complaints at a commercial bank loan department of qujing branch when dealing with small business loans,Need companies to cooperate to lend:Deposit in advance 50% of the loan amount,50000 yuan of insurance product or the conduction bank acceptance of draft.Journalists on Monday to qujing,Part of qujing to find additional loans of commercial Banks.

　　一家接待记者的商业银行信贷部职员，听闻记者有贷款需求时，直接问其是否名下有公司或企业，还告知现在企业类贷款好批、政策好。“如果是个人贷款，现在不好办，最少两套房，如果是企业经营贷款，有一套房作抵押就可以办理，只要你再提供相关资料就可以提交贷款申请了。”

A commercial bank loan department staff reception reporter,When there is demand for loans,Asked whether the name of company or enterprise directly,Also told enterprise loans good batch now/Good policy."If it is a personal loan,Now is bad to do,At least two suites,If it is a business loan,A set of housing as collateral can go through,As long as you can submit a loan application to provide related information."

　　当记者追问没有房产怎么操作时，该职员告诉记者：“没有房产也可以，我们可以帮助联系担保公司，但是这类客户由于资质一般，所以审批就难过一些。如果能满足我行的一些配套条件，也不难批。”记者再问，配套条件指的是什么时，该行职员告知要等具体办理时，看具体情况才能定。

When reporters pressed no house how to operate,The staff told reporters:"No housing can also,We can help to contact guarantee company,But this kind of customers due to qualification,So the approval on some sad.If you can meet me some supporting conditions,Also it is easy to shipment."Reporters ask,Supporting condition refers to what,The bank staff told to the specific conduction such as,See the specific situation to decide.

　　对此，一位在曲靖从事珠宝玉石贸易的向总告诉记者，银行的这些贷款要求其实已经见怪不怪了，虽然银监会去年出台了“七不准”，各大银行也在第一时间积极响应，纷纷通过网点张贴文件、散发传单等形式表明态度，可这一年多下来，作为客户而言，在部分银行的贷款环境并没见有多大好转。

For this,A engaged in jade jewelry trade in qujing to total told reporters,These loans require bank is already inured to the weird,Although the China banking regulatory commission issued last year"Seven is not allowed",The Banks also actively response in the first place,Through the network to post documents/Leaflets and other forms,Can this come down more than a year,As a customer is concerned,In the part of the bank lending environment and didn't see how much better.

　　“去年因为短暂的资金周转需要，我向某银行提出了500万元的贷款申请，本来已经做好了银行有附加条件的准备，没想到对方最后提出先存300万元再放款的要求，还真是让人大跌眼镜。”向总说道，一百多万的存款要求肯定是可以接受的，毕竟银行也有任务要完成，可60%的存款配比让人感觉就是个笑话，真有那么多钱可以存，又何必伸手向银行借呢？

"Last year because of short of cash flow needs,I apply to the proposed $5 million in loans of a bank,Already ready to have conditions attached to the bank,Didn't know each other the last request to deposit 3 million yuan lending again,Is really surprising."To the total,More than one hundred deposit for sure is acceptable,After all, Banks have tasks to complete,60% deposit ratio of feeling letting a person is a joke,Really have so much money can be saved,Why should stretch out his hand to the bank to borrow?

　　向总告诉记者，因为长期与该银行打交道，每每银行需要客户做存款或理财产品支持时，他都鼎力相助尽量帮其完成任务，没想到在遇到融资麻烦时，还被银行“雪上加霜”，简直不可理解。

To the total told reporters,Because long-term deal with the bank,Often Banks need to customers when making deposits, or financial product support,He will help as far as possible to help to complete the task,Didn't expect to meet financing trouble,Also by Banks"worse",Is just too hard to understand.

　　一位有着多年维权经验的客户分享其经验，因为在与银行的业务往来中经常由于缺乏真实可靠的有力证据，常常在遭遇银行的无理要求过后，面临申诉无门的尴尬，所以客户去往银行办理业务时，可以长个心眼，拿出手机进行录音，并记录当时对话的时间，一旦发生纠纷可凭借录音资料向监管部门或媒体进行投诉，寻求帮助。

A customer share their experience with many years of experience to protect their rights,Because in the bank's business with often due to a lack of credible evidence,Often in the face of unreasonable demands bank later on,Faced with complaints that the embarrassment,So when customers go to bank for business,Can long a mind's eye,Take out mobile phone to the recording,And record the conversation,In the event of dispute, through the recording information to regulatory authorities or media complaints,Ask for help.

　　本报记者 张茜

Our reporter Wilcox j

　　申请房贷的吴小姐说：银行没有任何短信通知，也没有电话通知贷款已经发放下来，莫名其妙地就被告知今天是还款日。而且最郁闷的是，还不知道自己每个月到底应该还多少给银行。

Miss wu said that apply for loans:Banks don't have any SMS notification,No phone call loans have been issued,Somehow was told today is reimbursement.And is the most depressing,Also don't know if I should also how much to the bank every month.

　　细心的车主会发现自快处快赔推出以来，保险公司一直在赔付金额、时间等因素上适时地对其进行调整。比如有保险公司从早前只要求二环以内2000元以下的事故可进行现场赔付到现在的双方车辆损失在1万元以内可进行现场赔付。有的从48小时结案缩短到当天结案等。

Careful owners will find that the fast quickly compensate since its launch,Insurance company has been in the pay amount/Time factors such as timely adjustments to its.Such as insurance companies from the earlier request on less than 2000 yuan of the following accident can only conduct site pay till now both sides of the vehicle can be on-site within 10000 yuan compensation damages.Some case from 48 hours shortened the day closed, etc.

　　根据《商业银行代理保险业务监管指引》,保险公司人员在银行销售保险产品属违规行为。银行网点经营保险业务必须取得《保险兼业代理业务许可证》，销售人员必须具有保险销售资格。

According to the[Commercial bank agency of insurance business regulatory guidelines],Sales of insurance products is in the bank insurance company personnel irregularities.Bank branches operating insurance business must be made[Concurrent-business insurance agency business permit],Sales personnel must have the insurance sales.

　办按揭 Get a mortgage

　　老签空白合同安全吗？ The old security sign a blank contract?

　　法律人士建议：贷款者一定要让其写下相同内容的书面承诺，并加盖银行公章

Legal advice:Borrowers must write down same content written commitment,Build official seal of the bank

　　近期因为国五条细则的出台，让购房问题再次成为全中国的热点话题。本报日前接到市民吴小姐的投诉，称其去年办理的贷款合同至今在已经还款两个月的情况下，仍没看到贷款合同“本尊”。

Recently because of the five conditions,Let housing problems once again become a hot topic in the whole of China.This newspaper has received complaint from the people miss wu,Said in the last year of the loan contract is under the condition of payment for two months,Still don't see loan contract"In this respect".

　贷款发放时没有任何通知 Loans without any notice

　　吴小姐称，其去年因刚需购房需要向某国有银行申请了一套房贷款，当时办理贷款的银行信贷员周某在办理贷款合同时，并没有把贷款时所要签署的文件一一给予吴小姐浏览。“当时她拿出一摞的白纸黑字的文件，要我在她指定的地方签名并盖手印。现在想想都有点后怕！”吴小姐说道，因为周某要求签字的文件都是“空白”的，只是机械化地要她在相应地方签名盖章，并说这是节约每笔办理贷款的时间，现在回想起来，一味地签名盖章，对于合同的内容，双方的责任与义务都无从知晓，哪怕把自己卖了都不知道，这让吴小姐提心吊胆的一过就是几个月。

Miss wu said,Its last year for just need to buy suite need to apply to a state-owned bank for a loan,At that time to deal with the loan officer the weekend job in the bank to handle loan for the loan contract,And don't have to sign the loan documents one by one to give miss wu to browse."When she took out a stack of documents in black and white,Want me to designated areas in her signature and fingerprint.Now think about dying!"Miss wu said,Because of some requirements documents are signed"blank"the,Just signed and sealed by mechanization to her in the corresponding place,And say this is to save every loan deal with the time,Looking back now,Signed and sealed by blindly,For the content of the contract,The responsibilities and obligations of each party are unknown,Even if sold themselves don't know,It haunt miss wu is a few months.

　　更让吴小姐生气的是，今年2月4日，从昆明返回老家过年的吴小姐于当日中午收到了来自贷款银行的短信提示，称吴小姐所持银行卡当日连本带息还款××元。一头雾水的吴小姐着实摸不着头脑，再三寻思之下方才想起可能是去年11月在该行申请的贷款已经批复下来。

More let miss wu is angry,On February 4th,,From kunming back to their hometown for the holiday, miss wu on the same day at noon received a text message from bank loans,Said wu held by the bank with interest payments on the day of xx yuan.Confused about miss wu really scratching their heads,Under repeated thought just think of may is last November in the bank to apply for loan has been approved.

　　“没有任何短信通知，也没有电话通知贷款已经发放下来，莫名其妙地就被告知今天是还款日。而且最郁闷的是，还不知道自己每个月到底应该还多少给银行。”吴小姐说，她立马与昆明的贷款经理周某取得联系，询问贷款是否已经发放，对方以短信的形式告知还款时间为每月的3日，还款金额为2200元。

"Don't have any SMS notification,No phone call loans have been issued,Somehow was told today is reimbursement.And is the most depressing,Also don't know if I should also how much to the bank every month."Miss wu said,She immediately get in touch with kunming's loan manager at the weekend,Asked whether the loans have been issued,Each other in the form of text messages to inform payment 3 time per month,Reimbursement amount is RMB 2200.

　　为什么贷款发放时没有任何通知？为什么时至今日仍然没有拿到属于自己的那份贷款合同？为什么当时被迫办理的信用卡至今音信全无？还款金额是怎么计算的？种种的疑问浮现在吴小姐的脑海里。

Why loans without any notice?Why today still didn't get a belong to his share of the loan contract?Why still no tidings when forced to deal with credit card?Payment amount is how calculated?All sorts of questions emerge in miss wu's mind.

客户经理口头承诺一定折扣 Customer manager verbal promise a discount

　　与之有着类似遭遇的于先生也通过投诉热线反映，其年前申请的20年贷款期的合同，今年到手后竟变成了30年，银行方面的说法竟是可以减轻于先生每月的还款压力。

Has a similar situation with yu also through complaint hotline to reflect,Its 20 years ago the application life of the contract,This year after it had become for 30 years,Banks are can relieve yu monthly repayment pressure.

　　“因为收入条件达到要求，当时与贷款经理谈好的是贷款20年，在没经我本人同意的情况下，银行的这种行为是否合理。并且，到现在为止贷款合同还没有下来，如果中途政策有变，之前承诺的九折利率是否会泡汤？”于先生说道。

"Because income conditions meet the requirements,At that time and loan manager talk about good is 20 years,In the case of not approved by me,This kind of behavior is reasonable of the bank.and,Loan contract so far haven't come down,If midway through policy change,Previous commitment whether ninety percent interest rates will be ruined?"Yu said.

　　对于吴小姐的遭遇，某国有银行房金部负责人表示，一般来说贷款审批通过，客户经理都会第一时间通知贷款客户，并尽快将贷款合同发放至客户手里，以便客户每月按时足额还款，当然也不排除客户经理因手中负责客户过多，出现遗漏通知客户的情况。对于客户来说，若对所签名盖章的文件存在疑问，应主动并强硬地表示要仔细阅读合同，客户经理无法拒绝这样的合理要求，敦促客户经理及时把贷款合同发放，通过主动询问客户经理贷款进度可避免此类事件的发生。

For miss wu,Rooms at a state-owned bank, head of the department said,In general loan approved,Customer manager will immediately inform customer loans,And loan contract issued to the customer's hands as soon as possible,In order to customers on time full specified amount payment every month,Of course does not rule out the customer manager in charge of the customer too much,Missed customer's notice.For the customer,If the documents signed and sealed by the of doubt,Should be active and tough to read the contract carefully,Customer manager cannot reject such reasonable requirements,Urged customer manager the loan contract in a timely manner,Progress through the loan initiative to ask the customer manager can avoid such incidents from happening.

　　对于于先生所反映的情况，银行在没有与贷款者沟通的情况，擅自更改贷款年限显然是不合理的，客户应及时提出异议。对于利率打折一说，因为现在银行之间竞争压力过大，不排除有的客户经理为了吸引客户在自己手中办理贷款，往往会给出一些承诺，比如利率打折等，如果打折信息未能在合同中体现，比如合同上只注明了贷款金额和还贷年限，执行利率一栏却空着，因为利率市场的变动，今后就很容易出现银行利率反水的情况。相关法律人士建议，市民申请房贷时，若客户经理口头承诺一定折扣，但合同上的利率一栏却是空白，贷款者一定要让其写下相同内容的书面承诺，并加盖银行公章。一旦实际执行利率与承诺有别，可通过法律渠道维护自身利益。本报记者 张茜

In the case of yu reflects,Bank without communication with the lenders,Alter any loan fixed number of year is obviously unreasonable,Customer should timely objection.For discounted rates,Because of the pressure of competition between Banks is too large now,Do not rule out some customer manager in order to attract customers in their own hands to deal with the loan,Tend to give some promise,Such as interest rate discount,If the discount information to reflect in the contract,Such as the contract indicate that only a fixed number of year of the loan amount and loan payments,Perform rates column is empty,Because of changes in market interest rates,The bank rate as it is easy to happen.Relevant legal Suggestions,Citizens when applying for a mortgage,If a client manager promised a discount,But the contract interest rate on the column is blank,Borrowers must write down same content written commitment,Build official seal of the bank.Once the actual execution rate and commitment,Can through legal channels to safeguard their own interests.Our reporter Wilcox j

快处快赔 Quick place to compensate

　　“先赔钱，再修车”，钱没赔够咋办？

"To lose money,To repair",Money didn't pay enough to do?

　　支招：先拿到查勘报告，双方再到维修站或4S店检查、定损

action:To get the survey report,Or 4 s shops check on both sides to pit/fee

　　3月11日，本报接到车主马先生反映，3月9日在路上行驶时撞上一张宝马X1，去到位于广福路上的快出快赔进行理赔时，马先生所购买交强险的保险公司查勘员为对宝马车辆定损为800元，马先生和宝马车主都认为修理费不只800元，但是定损员强行就定了800元。

On March 11,,This newspaper received owner Mr. Ma reflect,On March 9, when on the road crashed into a BMW X1,To go to the fuk road, fast out fast compensate for claims,Mr Ma to buy insurance companies take the place of survey engineer for BMW fee is RMB 800,Mr Ma and BMW owner agree that the repair more than $800,But the fee member force is 800 yuan.

　　“事情发生后的第二天，我就收到了保险公司的短信，称9日出险的赔款已结案，正提交支付。完成网银支付工作后会及时短信通知车主。”马先生称，自己接到短信后完全懵了，自己从未在任何定损书上签字，为什么保险公司会称案件已结案，而且是按照自己没有认同的800元定损进行赔付。

"It happened the day after,I have received the insurance company's SMS,According to 9, insurance indemnity has been the case,Is to submit payment.Complete the e-currency payment messages notify the owner in time after work."Mr Ma said,Oneself completely stupid after receiving text messages,He had never in any fee to sign the book,Why the insurance company will according to the case has been closed,And it is in accordance with the you didn't have agreed to pay 800 yuan fee.

　　对此，马先生提出一系列疑问，保险公司在没有经过车主在定损书上签字确认就赔付是否合理？快处快赔的定损标准依据是什么？有的车表面上看问题不大，其实可能存在看不见的“内伤”？面对这些问题，各家保险公司打出的“先赔付再修车”是否存在漏洞？

For this,Mr Ma put forward a series of questions,Insurance company sign on without the owner in fee you pay is reasonable?Quick place to compensate the fee standard is based on what?Some little problem on the surface,Actually, there may be invisible"Internal injuries"?In the face of these problems,Each type of insurance company"Pay first, then repair"If there is a hole?

　　其实，马先生提出的一系列问题，也正是现今广大行驶在道路上车主的心声与疑虑。近些年来，随着保险行业服务的改善，尤其是在问题众多的车险理赔市场，我们可以看见相继有保险公司通过降低保费、提高理赔效率、改善服务质量等亮点作为公司业务的宣传点，特别是在城市越发拥堵的今天，“快处快赔”更是大大吸引着广大车主的眼球。

In fact,Mr Ma, a series of questions,Is today the drivers driving on roads and doubts.In recent years,As the improvement of the insurance industry services,Especially in the problems of car insurance claims,We can see one after another with insurance company through lower premiums/Improve the efficiency of a claim/Improve service quality and other bright spots as the booth of the company,Especially in urban areas increasingly congested today,"Quick place to compensate"But also greatly attract the attention of the masses of the owner.

　　然而在保险公司理赔效率上去的同时是否真的能做到在整个流程中“万无一失”也是业内和车险消费者所需要共同关注的话题。

But at the time of insurance company claims efficiency up to whether really can do it in the whole process"On the safe side"Is the industry and consumers need automobile insurance on topics of mutual interest.

　　随后，记者走访了位于广福路的快处快赔点，随处可见忙于登记的查勘员、焦急万分的车主等。有时因为案件量过多，虽说是快处快赔，有车主却在那里消耗了一个下午的时间。

then,Reporters visited at fuk road fast, fast to compensate,Everywhere busy registration survey/Anxious owners, etc.Because the case quantity is too much sometimes,Although is fast fast compensate,Have owners but consumes an afternoon there.

　　不仅是效率提高，“质量如何保证”也是车主们关心的问题。因为一起事故从定损到核损再到核赔，在这三个环节中，任何地方都有可能出现问题。这样的情况下，保险公司的原则是如果确实发现有内伤，会直接告诉客户不能进行定损，因为按照保险公司的定损流程，如果车子里面有损失需要拆开来对其进行拍照，才会通过核损，否则就只赔付外表直观上的损伤。

Not only is more efficient,"How to ensure the quality"Drivers and issues of concern.From the fee because of an accident to nuclear damage to HePei,In the three links,Any place is likely to be problems.These circumstances,Insurance company's principle is that if indeed found to have internal injuries,Can tell customers not to fee directly,Because the insurance company in accordance with the process,If the car there is a loss need apart to photograph it,Through nuclear damage,Otherwise it looks intuitively damage only claims.

　　如果客户在明确知道车辆有内伤的情况下还强烈要求定损，保险公司就只能定看得见的地方，签字确认后，不再进行增补。

If the customer in the case of clear know vehicles have internal injuries also strongly required fee,Insurance company can only set the visible place,After the signing to confirm,No longer to supplement.

　　所以，最好的办法是：车主把车开到快处快赔点，拿到查勘报告后，双方再到维修站或4S店检查后，让保险工作人员进行补拍，再定损。

so,The best thing to do is:Car owners drive to fast fast lose points,After to get the survey report,After both sides to pit or 4 s shops check,Make the insurance personnel for repair,Fee again.

　　本报记者 杨东照 张茜

Our reporter Yang Dongzhao Wilcox j

理财产品 Wealth management products

　　存款变保单？ Deposit change policy?

业内人士：合理利用“犹豫期”，买了保险可反悔 The personage inside course of study:Reasonable use"Hesitation period",Bought the insurance can be back

　　3月12日，读者王大妈告诉记者，最近遇上了一件烦心事。几年前她在某银行办理了一次业务，本想存一笔钱，可不知怎么回事最后竟然办成了保险，存单“硬生生”变成了保单,“要不是我闺女帮我发现了，我到现在还蒙在鼓里。”

On March 12,,Readers Wang Dama told reporters,Recently met a trouble.A few years ago she was a bank to deal with the business at a time,This would like to deposit a sum of money,But somehow I did make the insurance,Certificates of deposit"abruptly"Into a policy,"If it weren't for my daughter to help me find,I'm in the dark."

　　存单怎会变成保单？几年前发生的事，到现在谁也说不清楚。对此,王大妈也“有苦难言”。

How can deposit into policy?What happened a few years ago,Who also said not clearly up to now.For this,Wang Dama also"Are suffering".

　　不过，王大妈的遭遇并非个案。今天，通过3·15给出提醒，消费者办理银行业务过程中应注意以下几个方面，可避免“存款变保单”。

but,Wang Dama experience is not the case.today,By March 15 shows reminders,Consumers to handle bank business process should be paid attention to in the following aspects,Can be avoided"Deposit change policy".

　　认真阅读合同，看清合同主体。“办理银行业务时首先要认真阅读合同,看清楚合同最后的落款是银行还是保险公司。这是判断消费者办理的是银行业务还是保险业务最直接的依据。”业内人士表示，银行理财产品和保险理财产品有相似之处，消费者如果认真阅读合同内容不难发现二者区别。

Read the contract carefully,See the contract."Handle bank business should first read the contract carefully,To see the final contract from a bank or insurance company.This is judgment consumers deal with banking or insurance business the most direct basis."The personage inside course of study says,Bank financial products and insurance products have similarities,If consumers read the contract content is not hard to find the difference.

　　辨别销售人员资质，警惕他人误导。业内人士指出，银行消费者可以主动询问保险销售者是否银行人员，是否持有《保险代理从业人员资格证书》，警惕其他非银行工作人员的误导宣传。

Identify sales personnel qualifications,Alert to mislead others.The personage inside course of study points out that,Bank insurance seller whether consumers can take the initiative to ask bank staff,Whether to hold[The insurance agency practitioner's qualification certificate],Alert other non-bank workers misleading propaganda.

　　合理评估收益，莫期望“天上掉馅饼”。与存款和银行理财产品相比，保险的首要功能是保障，分红收益有不确定性。消费者购买时应对收益有一个合理的预期。如果期望获得高收益，往往需要承担较高的风险。如果不能承担高风险,则应该首选存款和银行理财产品。

Reasonable assessment of earnings,Don't expect"Heaven fell pie".Compared with the deposit and bank wealth management products,The prime function of insurance is the guarantee,Dividends have uncertainty.When consumer is bought to yield a reasonable expectations.If you expect to obtain high yield,Often needs to take high risk.If you can't bear the high risk,Deposits and bank wealth management products should be preferred.

　　明晰违约责任，做到“知难而退”。多数保险产品更适合中长期持有，如果提前退保已缴纳的保费可能难以全额退回，甚至产生较大的损失。

Clarify the liability for breach of contract,Do it"The boat".Most of insurance products is more suitable for long-term holders,If you surrender the premium has been paid in advance may be difficult to fully refunded,Even bigger losses.

　　消费者如果不能承担违约责任，则应该选择存款。这样最多损失利息,而不会损失本金。

If consumers can't be liable for breach of contract,You should choose a deposit.So the most to lose interest,Without loss of principal.

　　合理利用“犹豫期”，买了保险可反悔。很多消费者并不清楚，买了保险其实也可以反悔。根据中国保监会规定，消费者购买保险后有10天的“犹豫期”。在犹豫期内退保，保险公司扣除不超过10元的成本费以外,应退还投保人缴纳的所有保费,并不得收取其他任何费用。云南保监局表示，2012年6月1日专门下发了《关于规范向老年人销售人身保险新型产品相关行为的通知》。该项新规要求，60周岁（含）以上的老年人投保犹豫期从常规的10天延长至20天，并要求保险公司必须在犹豫期内对老年投保人实现100%的客户回访，对保险产品的风险进行提示和确认。

Reasonable use"Hesitation period",Bought the insurance can be back.Many consumers are not clear,Bought insurance actually can also go back on our word.According to the regulations of the China insurance regulatory commission,Consumers to buy the insurance after 10 days"Hesitation period".In the hesitation period surrender,Insurance company deduct the cost of not more than 10 yuan,Should return all policyholders to pay premiums,And shall not charge any other fees.Yunnan protects inspect bureau said,Special issued on June 1, 2012[About specification selling life insurance to the elderly behaviors associated with new product notice].The new rules requirements,60 one full year of life(containing)Above the elderly insurance of hesitation period extended from 10 days to 20 days,And ask the insurance company during the period of old age have to hesitate to policy-holder to achieve 100% customer pays a return visit,Be prompted and confirmed the risk of insurance products.

　　本报记者 杨东照 张茜

Our reporter Yang Dongzhao Wilcox j

　　专题统筹：本报记者 杨东照

Project as a whole:Our reporter Yang Dongzhao