— What should a bank client know if something is our company has over a thousand clearly being forc on him?
— The bank has no right to impose anything when receiving a loan. It cannot say: if you do not buy insurance from me, then I will not give you a loan. Or: without this subscription to telemicine, you will not receive a loan. If this happens, any borrower can say: no, I only want a loan, tell me how much it costs without all these additional services.
TOP MANAGEMENT OF THE BANK SHOULD BE RESPONSIBLE FOR DISHONEST SALES
— Another problem is that the system of motivating crit managers is design to make them sell additional products, because their salary depends on it. For each insurance sold, they receive their 200-300-500 rubles, etc. Naturally, they are interest in imposing these products. How can this be combat?
The motivation system is structur differently in different banks
There are banks that take this responsibly. Their motivation rules stipulate that if a manager is caught pushing. Or misselling, a zeroing coefficient is appli to his bonus. But some banks have an old-fashion approach: the more you sell, the more you earn. Because the bank receives a commission on sales or other income, and it gives part of this commission to managers as a bonus. We have issu recommendations for banks. They stipulate that 7 critical components for email compliance not only the line salesperson should be held accountable for dishonest sales when we identify them, but the entire management of the bank, including the executives. The latter often think that these are america email isolat cases that occur due to oversight, etc. When the motivation system, including that of top managers, includes decreasing coefficients that affect their bonuses, this is perceiv in a completely different way.