What are the hidden dangers that banks can also make online purchases based on their performance? If you can't complete the task, you can spend tens to buy performance | banks | hidden dangers

Online shopping is already an important part of our lives, but bank staff to complete the performance also to "online shopping", have you heard of it? The reporter survey found that because of the pressure of performance appraisal, some bank employees are through the "online shopping" platform to complete the bank issued the task indicators. On major e-commerce platforms, personal pension account opening and digital RMB registration have become commodities that are clearly marked. Businessmen claim that they have a nationwide ground promotion network and can complete an individual pension account opening target for tens of hundreds of yuan, and the account opening data is true and available. More importantly, we ordinary people may become an important part of this industrial chain without knowing it. What is the impact of bank employees' "online shopping" performance?

Ms. Ma is a wealth management manager at a joint-stock commercial bank. In recent months, she has been busy with completing the performance of opening a personal pension account. Ms. Ma said, "Our bank is going to increase the number of personal pension accounts this year, and I have a personal task of 300 households every quarter. I have set a goal of 3 per day, mainly at the branch. In addition, I will call old customers, send WeChat messages to friends, and then post online. At first, there were still six or seven accounts per day, but later on, sometimes I could complete one or two in a day, which is quite impressive for everyone."

Since the pilot program in November 2022, personal pension business has become a battleground for various banks. For bank employees, they also need to work hard to complete the task volume.

Reporters can search for the keyword "personal pension" on some social media platforms and find many personal pension account opening help posts posted by bank employees. Most of the content is to seek customers to open accounts and help complete the workload. Many help posts have become a gathering place for colleagues to complain, and some people share the experience of "online shopping" performance. Ms. Ma told reporters that in the second quarter that had just passed, she "made online purchases" due to not completing tasks. "A few days ago, approaching the end of the quarter, I almost couldn't complete the task volume, so I hired online agents to do more than 20 tasks. Each household costs 70 yuan, which is not cheap. This not only does not affect performance, but at least it can also avoid being reported."

The reporter searched for "personal pension" on the Taobao platform and found that a large number of merchants undertake the business of opening personal pension accounts. Most of them claim that "individual pension account packages from various banks have achieved their targets", "all major banks in 36 pilot cities across the country can undertake them", and "truly promote professional teams". The reporter contacted one of the merchants, who told the reporter that they only need to be given a promotional QR code and they can help complete the personal pension account opening business. The price per order ranges from 70 to 120 yuan, depending on the region and bank. "The same promotion QR code can be completed in one go. The unit price in Beijing is high, ranging from 110 to 120 yuan. Many banks need to do it in Beijing, so the demand is particularly high. The best place to do it in Beijing is Beijing Bank."

The reporter said, "Is there a difference?"

The merchant said, "For example, when paying salaries, if a Beijing enterprise uses Bank of Beijing for payment, the cardholder can scan the code directly without tying the card, and it can be opened in just one or two minutes."

The reporter found that various tasks surrounding the bank have formed an industrial chain. Taking this store as an example, they also offer banking services such as digital RMB registration and third-party deposits. And we ordinary people also become a part of the industry chain without knowing it. The merchant said that they have a nationwide ground promotion network that attracts people to open accounts and register by distributing gifts, and the data is real and verifiable.

The reporter said, "We've been doing it all along, there's no problem, right?"

The merchant said, "Don't worry at all, it's all real data."

The reporter said, "Are you going to push this?"

Merchant introduction: "We have frontline promotion. We set up stalls on the street and give gifts. We can do it nationwide. It has formed an industry chain, and we have our own circle."

Lou Feipeng, a researcher at Postal Savings Bank of China, stated that there are compliance risks associated with online shopping performance.

Lou Feipeng said, "It is clear that this method is not worth recommending. The" Administrative Measures for the Protection of Consumer Rights and Interests of Banking and Insurance Institutions "clearly stipulate that banks shall not allow third-party cooperative institutions to promote or sell products and services to consumers in the name of banks on self operated online platforms."

In fact, this method of online shopping performance has no merits except for helping bank staff solve urgent problems. Dong Ximiao, a researcher at the Financial Research Institute of Fudan University, said that opening and registering accounts for customers who do not need this business has caused unnecessary resource waste and to some extent, led to the problem of "hot account opening and cold deposit payment" for personal pension.

Dong Ximiao introduced, "The quality of customers obtained through this method is often relatively poor, because customers who are simply brought in through prizes and promotions often have a considerable gap from the real customers of the bank. This can also lead to some problems in the development of subsequent business. For example, in the field of personal pension accounts, there has been a situation of 'more account openings, less investment'. The actual account opening has exceeded 30 million yuan, but the actual investment is only about one-third, so the quality of customers is relatively poor."

In addition, Dong Ximiao stated that there is a risk of information leakage when customers open accounts and register through third-party promotion agencies, and financial consumers should be vigilant.

Dong Ximiao explained, "Opening an account through this method is done by a third party. For these users who have been opened, leaking a large amount of personal information, especially sensitive information, to unqualified third parties, such as local promotion team members, does pose a significant risk. At the same time, it is also easy to cause some fraudulent behavior. Previously, there have been cases where some users' personal pension accounts were 'opened' and their identity information was obtained without the user's permission, which is related to this behavior."

Experts say that the emergence of this situation also reminds banks to scientifically and reasonably formulate business development indicators, strengthen training and guidance for grassroots staff in customer marketing and other aspects, and effectively support grassroots personnel in marketing and customer acquisition.

The reporter has reported this matter to the Taobao side, and as of the reporter's press release, no response has been received.