Recently, a large volume of three- and five-year fixed-term deposits has matured simultaneously, putting pressure on banks as customers withdraw funds. To stabilize deposit levels and boost fee-based income, many bank branches have aggressively promoted insurance products—sometimes blurring the line between savings and insurance in their sales tactics. These offerings are often participating or endowment policies that appear to promise ‘principal protection plus returns,’ but they are actually long-term insurance contracts. Early surrender may result in significant principal loss. Regulators have repeatedly warned consumers to clearly distinguish between bank deposits and insurance products and to beware of misleading sales practices. Experts advise depositors to carefully read contract terms and fully understand the nature of any product before purchasing, avoiding the pursuit of higher yields at the expense of risk awareness. Banks, meanwhile, should enhance compliance training to ensure transparent and appropriate sales conduct, genuinely safeguarding financial consumers’ rights.
近期，大量三年期、五年期的定期存款集中到期，银行面临客户资金流出压力。为稳定存款规模并提升中间业务收入，多家银行网点纷纷加大保险产品的营销力度，甚至出现‘存款变保险’的销售现象。这类保险产品多为分红型或两全保险，表面承诺‘保本+收益’，实则属于长期保险合同，提前退保可能面临本金损失。监管机构已多次提醒消费者注意区分存款与保险，警惕误导销售。专家建议，储户在办理业务时应仔细阅读合同条款，明确产品性质，避免因追求高收益而忽视风险。同时，银行也应加强合规培训，确保销售行为透明、适当，真正保护金融消费者权益。
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