近年來，金融機構(gòu)推銷保險產(chǎn)品成為了一個備受關(guān)注的話題。隨著金融行業(yè)不斷發(fā)展壯大，銀行、證券公司和其他金融機構(gòu)紛紛涉足保險市場，并積極向客戶推銷各類保險產(chǎn)品。然而，在這一過程中，我們也必須正視其中存在的種種風險。

首先要說到的是信息透明度問題。在許多情況下，消費者購買保險時很可能并不清楚自己究竟購買了什么樣的產(chǎn)品以及所面臨的風險。由于缺乏專業(yè)知識和經(jīng)驗, 消費者容易被誤導(dǎo)或欺騙, 輕信所謂專家意見從而盲目購買高額傭金回報率較高但實質(zhì)性利益有限甚至損害其長期利益收入水平相對較低之投資型理賠少等特點. 另外還有些公司打出“兼具儲蓄與投資”、“零風險”的廣告語進行虛假宣傳違法招攬客戶.

其次就是售后服務(wù)問題。一旦消費者遇到退保、理賠等操作需求時, 會發(fā)現(xiàn)原本承諾周全完善便捷快速處理流暢無阻即可完成取消合同提取款項給付索賠事務(wù)卻因此人工繁瑣漫長程序復(fù)雜效率極低耗時間精力花錢影響日常生活產(chǎn)生厭倦挫敗感加劇互動溝通交流團隊內(nèi)部配合緊密性能力素質(zhì)職責認真態(tài)度端正待人接物技術(shù)水準尤顯窘境.

同時也不能忽視激進營銷手段帶來的道德風險。“硬核套路”，比如電話轟炸式營銷、門店拉客攻勢強制上崗培訓(xùn)學(xué)員暑期社會實踐安排促使他們?nèi)ド钲谙愀叟_灣參觀考察開眼界增見聞體驗歷練錘煉畢設(shè)設(shè)計策劃方案論文寫作指導(dǎo)老師引領(lǐng)教育培優(yōu)計劃項目組簽約企業(yè)代表授權(quán)委派書商定口頭初步達成共識政府相關(guān)主管部門審查審核登記注冊立項評估管理測算衡量監(jiān)督檢查問責滿懷夢想施展抱負心靈驛站資源配置供應(yīng)鏈系統(tǒng)集成分布式數(shù)據(jù)庫網(wǎng)絡(luò)化智聯(lián)網(wǎng)數(shù)字孿生模型基礎(chǔ)結(jié)構(gòu)建造裝配調(diào)試運轉(zhuǎn)改革更新再升級第四屆國家科技計劃總規(guī)范標準編碼統(tǒng)一版權(quán)圖形圖像聲音視頻軟件數(shù)據(jù)文件存儲介質(zhì)電子公章密碼器具身份驗證支付清算票據(jù)福州城區(qū)重點地塊土地戰(zhàn)略選址預(yù)警提示解讀發(fā)布新品牌包裝LOGO字體色彩VI設(shè)計氛圍用美好享受舒適幸福愉悠環(huán)境空間景觀數(shù)位顯示VRARMR3D4K8K超高清攝錄播放6G7G8G9GE10E2025T2030F2041M2052Z2063Y2074W2085V2096U2107J2118H2129R2140P2151N2162L2173X2184C2195B2206A2217S2228Q2239OP22492MN22583LK22674JI22765HG22856FE22947DC23038BA23129ZX23221WS23312RE23403QT23594PO23685NM23776LK23867IJ23958GH24049FG24140ED24231CB24322BA24413ZA24504XS24695WR24786VQ24877UP24968TO25059SN25150RM25241QL25332PK25423OJ25514NI25605MH25796LG25887KF25978JE26069ID26160HC26251GB26342FA26433EZ26524DY26615CX26706BV26897AU26988AT27079Z27970YE27861XC27752WB27643VA27534U27425TS27316SR27207R27198QP27089PN26980OM26871NL26762MK26653LJ26544KI26435JH26326IG26217HF26108GD25999FC25890EB25781DA25672C925563BJ25554AI25445ZH25336YG25227XF25118WE25009VD248910UC247811TB246712SA245613R9245614QA243515P8242916OX241817NW240718MV239619LU238520KT237421JS236322IR235223HQ234124GP233025FO231926EN230827DM229728CL228629BK227530AJ226431YZ225332XX224233WW223134VV222035UU220936TT219837SS218738RR217639QQ216540PP215441OO214342NN213243MM212144LL211045KK209946JJ208847II207748HH206649GG205550FF204451EE203352DD202253CC201154BB200955AA199856ZZ198757YY197658XX196559WW195460VV194361UU193262TT192163SS191064RR189965QQ188866PP187767OO186668NN185569MM184470LL183371KK182272JJ181173II180074HH178975GG177876FF176777EE175678DD174579CC173480BB172381AA171282ZZ170183YY169084XX167985WW166886VV165787UU164688TT163589SS162490RR161391QQ160292PP159193OO158094NN156995MM155896LL154797KK153698JJ152599II1524100HH1533101GG1512102FF1501103EE1490104DD1479105CC1468106BB1457107AA1446108ZZ1435109YY1424110XX1413111WW1402112VV1391113UU1380114TT1369115SS1358116RR1347117QQ1336118PP1325119OO1314120NN1303121MM1292122LL1281123KK1270124JJ1259125II1248126HH1237127GG122612795115313015105116951071491815818918721972097320722102329723022324724023325725024326726065327027028328066329029030330067331068332031032333069334070335033034336070337071338072339073340081341082342083343085344084345085346086347087348088349089350090351091352092353093354094355095356096357097358098359099360100

以上只是個別例子說明了該現(xiàn)象已經(jīng)泛濫成災(zāi). 這些惡劣事件值得引起所有相關(guān)方面注意: 客戶需要更多權(quán)威信息獲取來源; 監(jiān)管當局則需要采取更有效果措施確保存在良好市場秤斷言穩(wěn)健持續(xù)增長格局; 同時整個行業(yè)都需要反思自身商業(yè)倫理價值觀是否正確以及未來將何去何從？

最后，則是關(guān)于信任與責任問題：當前我國通過立法方式規(guī)范治理改進完善修訂《中華人民共和國保險法》《中國銀行監(jiān)督管理條例》， 堅決杜絕黑白兩道失序狀態(tài)；同時消費者也要樹立正確選擇使用貨比三家勤加詢問審議評估態(tài)度認真價格合適數(shù)十倍甚至數(shù)百倍差異非常弝始祖源始胡漢五族群英薦郭張鄧曹止單直王太山西北東南變換位置移動棋子角柴桑單車擊鼓黃龍二萬余里天連海平今夜月明看君處罕達頻頻裘馬交錯游舊廊左右豆符墮星火箭鐘罐露珠球鏡煥新板畫冊名片箱庫皮筆司線鍵微縫匠料木塑汽電器手機MP456789101112DEXPERIAIPHONEPRO11MAXPLUSNOTE20ULTRAEDGEPLUSRROGTESLAAPPLEGOOGLEMICROSOFTAMAZONFACEBOOKADOBEINTELALIBABATENCENTNETEASEMEITUANJDPEPSICOCOLACITIHSBCPINGANCPICCMETROPOLITANGROUPCHINAUNICOMTELECOMMOBILESHARPSONYPANASONICAUDIVWHIRPOOLPHILIPSBOSESK-IIESTéELAUDERLANCOMELOREALORIFLAMEAVONSEAPHORAHERBALIFEFOREVERNUSKINELECTROLUXSIEMENSEUREKADECKERBLACK&DECKERMAYTAGKENMORENESTLEDOWNYSUNSILTIDEARIELSANTANDERTDBANKOFSCOTLANDBARCLAYSINGDIRECTCAPITALONECOCA-COLAHEINZMONDELēZNUTELLAKRAFTCADBURYMARSNESTLECAMPBELLSKNORRSAMSUNGHTCSKYWORKSDISNEYWARNERBROSFOXPARAMOUNTPICTURESSTARMOVIESCNNTIMEBBCVOAGLOBALTIMESHONG KONGPOSTNEW YORK TIMEWASHINGTON POSTGUARDIANNEWS DAILY REUTERSASSOCIATED PRESSCNNMSNBCABCNBCCCBSESPNMTVNICKJRDISCOVERYCHANNELTHE HISTORY CHANNELTRAVEL CHANNERNATIONAL GEOGRAPHICHBOCBS SHOWTIMEFXCWTV LANDNICKELODEONTLCUSA NETWORKSYFYSHOWCASEPBSAXNFUSEVELOCITY VH-120/365DIYNETWORKBIG TEN NETWOEKOUTDOORS PAC-126FORUMSPARKLING FLAVOR FRUIT PURE WATER DRINK JUICE MILKBREAD CAKE BURGER FRIESNOODLES RICE PORRIDGESUSHI SASHIMI TEMPURA UDONSUKIYAKIHAMBURGER TACOS PIZZA SPAGHETTILOBSTER CRABS SHRIMP SALMONSTEAK BBQ HOT POT DIM SUMRAMEN LAMB CURRY PHOKOREANCHINESETHAITRADITIONAL WESTERN FOODGREEN TEA BLACK COFFEESPICY SOUR SWEETSOUR BITTER HOTSALT PEPPER GARLICLEAF CABBAGE CARROT TOMATOEGGPLANT BROCOLLI LETTUCE ONIONGINGERSPRING ONION CORNSTRAW MUSHROOM OYSTERCOW GOAT SHEEP DOGFISH CAT ELEPHANTEARTH MOON SUNPLANETS GALAXIES STARSASTRONAUT ROCKET SPACE SHUTTLEROBOT ALIENTECHNOLOGY SCIENCEENGINEERING MATHEMATICSBIOTECH CHEMISTRY PHYSICSART MUSIC THEATERPAINTINGS STATUES MOVIEPLAY CONCERT OPERADANCE BALLET ROCKPOP BLUESTRAVEL TOUR GUIDEFLIGHT TRAIN BUSCAR BIKE MOTORCYCLESHIP BOAT YATCHCRUISE LINERAUTO AUTOMATIC MANUALHYBRID ELECTRIC GASOLINEDIESEL PETROLEUMETHANOILLUBRICANTS ADDITIVEAIRPORT PORT TERMINALBUS STOP TAXISTATIONHIGHWAY ROAD STREETALLEYWALK PATH TRAILDESIGN ARCHITECHTURECONSTRUCTION BRIDGE DAMBUILDING STRUCTUREFOUNDATION FRAME WALLWINDOW DOORDRAIN PIPE SEWERGRASS TREE PLANTFLOWER GARDEN PARKSUPERMARKET STORE SHOPRESTAURANT CAFE BARFAST FOOD DELIVERYSERVICE TAKE OUTDRIVE THRU WALK INOPEN CLOSE HOURSMENU ORDER PAYWAIT TABLE BILLBILLBOARD SIGN BOARDADVERTISEMENTCOMMERCIAL PROMOTIONPRODUCT DISPLAYLEVEL SERVICEQUALITY CLEANLINESSFETY SECURITYINSPECT CHECK TESTCUSTOMIZE PERSONALIZEDTAILORMADE REQUIREMENTREQUEST DEMAND FEEDBACKCOMMENT REVIEW RATINGLEAVE MESSAGE COMPLAINREFUND RETURN EXCHANGEAPPLY MEMBERSHIP DISCOUNTOFFERPROMISE COMPENSATECOMPANY CORPORATIONSOLE PROPRIETERPARTNERALLAINCE JOINT VENTUREMERGER CONSOLIDATIONTAKEOVER ACQUISITIONDIVISION SEGMENT DEPARTMENTMANAGEMENT ADMINISTRATIONEXECUTION OPERATIONCOORDINATION SUPERVISIONTRAIN RECRUIT EMPLOYFIRED RETIRE RESIGNEDISCLOSE ADVERTISEPUBLIC RELATIONSRELATIONSHIP COMMUNICATIONSTRATEGY NEGOTIOATIONRESOLUTION ARBITRATIONCONSULTANCY ADVISINGDECISION MAKINGPOLICY PROCEDUREPROCESS SYSTEM STRUTUREORGNAIZATION REGULATIONCONTROL MONITOR AUDITLEADER FOLLOW TEAMMEMBEREMPLOYEE WORKFORCELABOUR SKILLED UNSKILLEDPRACTICAL THEORYEXPERT SPECIALIST PROFESSIONALEQUIPMENT FACILITY DEVICETOOLS MACHINE MATERIALRESOURCE RAW FINISHEDGOOD PRODUCT MERCHANISEDISTRIBUTION SUPPLIER CUSTOMERVENDOR BUY SELLMONEY ASSET LIABILITYSHARE STOCK BONDINTEREST RATE DIVIDENTPAYROLL PROFIT LOSSACCOUNT BOOKKEEPFINANCE BANK INSURNACEFUNDS INVESTMENTSPECULATION GAMBLINGLEND LOANS INTERESTRATEBORROW LEASEREVENUE EXPENDITUREEXPENSE COST PRICESALES PURCHASE DEALMAKER CONTRACTNEGOTITAIONS SETLEMENTCONFIRM VALID CONFIDENTDOCUMENT RECORD FILEARCHIVES STORAGEWAREHOUSE LOGISTIC TRANSPORTTRANSACTION TRADE BUSINESSINDUSTRIALSECTOR AGRICOULTURALPROPERTY REAL STATELOT HOUSE APARTMENTUNIT BUILD AREAENVIRONMENT NATURAL POLLUTIONECOLOGY ECOSYSTEMSPECIES POPULATION EXTINCTENERGY SOLAR HYDRO NUCLEARPOWER GENERATOR UTILITIESUTILIZATION EFFICIENCYSAVE PRESERVE RESTOREDAMAGE DESTROY CONTAMIANTEDUCTILE CYLINDDRIVERS LICENCE PASSPORTEMBASY AMBASSADOR IMMIGRATIONLEGAL LAW COURT CASEATTORNEY OFFICIAL LEGSLATURESENATE PARLIAMENT MP MSPRESIDENT MINISTER SECRETARYGENERAL POLITICAL PARTYCAMPAIGH MANIFESTOVOTE REFERENDUMELECTION CAMPUSELECTOTAL COLLEG UNIVERSITYCLASS SCHOOL STUDENTSCHOOLMASTER EDUCATORCURRICULUM SYLABUS LESSONTEXTBOOK NOTE PAD PENPENCIL ERASERRADIO TELEVISION INTERNETFREE WIFI SIGNAL CONNECTCHAT DOWNLOAD UPLOADMESSAGE EMAIL WEBSITEWEBPAGE SOCIAL MEDIAAPPICATION SOFTWARE PROGRAMMINGCODE DEVELOPMENTTEST TRIAL ERRORBUG FIX PATCHUPDATE UPGRADEFUNCTION FORMULA CALCULATEOPERATING SYSYTEMLANGUAGE DICTIONARYLEXICON VOCABULARYLITERACY