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你中过招吗? 银保监会首次发布侵害保险消费者权益案例_高鹰生殖中心

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比尔盖茨你中过招吗? 银保监会首次发布侵害保险消费者权益案例

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    中新经纬客户端11月22日电 中国银保监会22日首次发布6类常见的侵害保险消费者合法权益典型案例,包括汽修单位利用保险消费者信息骗取保险金;人身保险电话销售业务误导宣传,故意夸大保险产品收益欺骗投保人;保险机构拒绝承保交强险等现象,银保监会提示消费者要正确认识保险保障功能,不受高息诱导,保护好身份证、银行卡等个人身份信息,理赔时尽量减少代办。  谨防汽修单位利用保险消费者信息骗取保险金  【案情简介】有保险消费者向银保监会某派出机构投诉,反映某汽车修理厂利用投保车辆制造假赔案,并使用其身份证私自开设银行账户,向保险公司骗取保险金。经查,该修理厂在投诉人不知情的情况下,先后两次编造被保险车辆虚假出险信息,向某财产保险公司分支机构报案,并在《机动车辆保险索赔申请书》上伪造被保险人签字,同时擅自持被保险人身份证件在银行开立账户用于收取保险金,共骗取保险金1万余元。由于相关汽修单位编造保险事故虚假出险信息骗取保险金的行为涉嫌犯罪,银保监会派出机构依法将该案件移送公安机关。  【案例分析】按照保险合同约定,索赔时一般由机动车辆保险的被保险人向保险机构提交相关证明和资料,保险机构直接向被保险人支付赔款。在实践中,有的保险消费者在车辆发生损坏后,由于防范意识不强,为图方便将被保险人身份证、被保险机动车行驶证、发生事故时驾驶人的驾驶证、保险单等相关理赔资料交由汽修单位代为索赔。案例中相关汽修单位正是利用身份便利和保险消费者的信任,制造虚假保险事故实施诈骗,侵害了保险消费者权益,同时对保险市场秩序构成危害。  【监管提示】为防范不法分子利用保险消费者信息骗取保险金,中国银保监会消费者权益保护局提醒消费者在办理车辆理赔时应注意以下事项:一是保护个人身份信息,保管好身份证、银行卡等重要证件,尽量减少代办理赔。二是确需委托他人代办理赔时,应亲笔签署委托授权书,确认授权范围和有效期,不要轻易将证件原件交与他人;提供证件复印件时,注明使用范围、有效期等。三是车辆理赔结案后,及时查询理赔记录,核对出险次数及赔款金额是否与实际情况一致。四是如理赔记录存在异常,及时联系保险机构进行核实;一旦发现相关人员利用保险消费者信息骗取保险金,应协同保险机构向公安机关报案,以维护自身权益。  谨防人身保险电话销售业务误导宣传风险  【案情简介】监管机构在“亮剑行动”专项检查中发现,某人身保险公司在电话销售过程中主要存在以下违规行为:一是夸大保险责任;二是对与保险业务相关的法律、法规、政策作虚假宣传;三是对投保人隐瞒与保险合同有关的重要情况;四是违规销售万能保险产品。针对上述问题,监管机构对该保险公司罚款70万元,同时对三名相关责任人予以警告,并处罚款合计27万元。  【案例分析】人身保险电话销售业务快速发展,是消费者购买保险产品的重要渠道之一。在电话销售过程中,消费者与销售人员通过语音进行交流,电话销售人员对保险产品的情况介绍,对于保险消费者决定是否购买保险产品至关重要。《保险法》规定,保险公司及其工作人员在保险业务活动中不得欺骗投保人、被保险人或者受益人,不得对投保人隐瞒与保险合同有关的重要情况等。案例中相关保险机构电话销售人员对消费者进行误导宣传,主要行为有:夸大保险责任,如宣称保险产品“没有任何免赔,没有任何门槛,花多少,公司给咱们报多少”;对与保险业务相关的法律、法规、政策作虚假宣传,如宣称“监管机构已统一发文,今后保险费率要上调”;对投保人隐瞒与保险合同有关的重要情况,如隐瞒犹豫期起算时间、期间及投保人犹豫期内享有的权利,免除保险人责任的条款,提前解除人身保险合同可能产生的损失,人身保险新型产品保单利益的不确定性等。这些误导宣传行为往往具有很强的迷惑性。有的消费者缺乏防范意识,简单听信电话销售人员的误导宣传,从而受诱导购买了不符合自身需求的保险产品,造成权益受损。  根据相关保险监管规定,保险公司开展电话销售的产品限于普通型人身保险产品,符合条件的保险公司可以销售分红型人身保险产品,但不能销售万能保险产品。案例中相关保险机构通过电销渠道销售万能险产品的行为,违反了保险监管规定。  【监管提示】中国银保监会消费者权益保护局提醒消费者,通过电话渠道购买人身保险产品,要注意以下事项,防范消费风险:一是了解保险产品的性质,根据保险监管规定,人身保险电销渠道限于销售普通型和分红型人身保险产品。二是了解保险产品的关键信息,如保险产品名称、保险责任、责任免除、保险金额、保险期间、缴费期间、退保损失等,做到心中有数,以防被误导。三是收到保险合同后,应及时阅读合同条款,发现误买一年期以上人身保险产品的,可在犹豫期内无条件解除保险合同,保险公司除扣除不超过10元成本费以外,退还全部保费;解除一年期(含)及以下人身保险合同的,保险机构按照合同约定退还保险单的现金价值。四是如遇电话销售人员误导宣传的,可向监管机构投诉。  谨防故意夸大保险产品收益欺骗投保人销售行为  【案情简介】银保监会某派出机构接到保险消费者投诉,反映某人身保险中心支公司在向其销售过程中涉嫌违规。经查,发现该中心支公司在向该消费者销售某分红型人身保险时存在以下行为:一是销售人员郭某在电话中称该保险的满期利益约为40多万并称即将停售,与产品的实际情况不一致。二是续期服务人员刘某欺骗投保人,夸大产品分红收益,并在解释红利分配方式时,存在不实表述。此外,还发现未向投保人寄送红利通知书等其他问题。对以上违法违规问题,监管机构对该中心支公司罚款5万元,并对销售人员郭某、刘某分别予以警告。  【案例分析】根据《人身保险新型产品信息披露管理办法》规定,人身保险新型产品是指分红保险、投资连结保险、万能保险以及保险监管机构认定的其他产品。销售人身保险新型产品应向保险消费者充分说明以下内容:分红保险未来红利分配水平是不确定的,其中采用增额方式分红的,应当特别提示终了红利的领取条件;投资连结保险未来投资回报是不确定的,实际投资收益可能会出现亏损;万能保险在最低保证利率之上的投资收益是不确定的,取决于公司实际经营情况。  在上述案例中,保险公司销售人员郭某、刘某欺骗投保人,故意夸大保险产品收益,隐瞒保单利益的不确定性,属于典型的人身保险销售误导行为。  【监管提示】中国银保监会消费者权益保护局提醒消费者:一是正确认识保险保障功能。保险是一种风险管理手段,保险产品主要功能是提供风险保障,人身保险以人的生命或身体为保险标的,在被保险人发生保险合同约定的保险事故时给付保险金。二是勿受高息诱导。有的销售人员在推销人身保险新型产品时,存在以历史较高收益率进行披露、承诺保证收益等销售误导行为。消费者应提高警惕,理性对待销售推荐行为,树立科学保险消费理念,认真了解保险合同条款。  谨防保险公司业务员隐瞒重要信息、代抄风险提示语  【案情简介】银保监会某派出机构收到保险消费者李某投诉:称其在某寿险公司业务员黄某介绍下购买了一款年金保险(分红型)产品,黄某在销售过程中承诺并夸大收益,未对保险条款中的现金价值、退保损失等重要内容进行解释,引导李某在接受保险公司回访时对全部问题都回答“是”,并且代投保人李某抄录了风险提示语。经查,黄某代抄录风险提示语录问题属实,监管机构对该公司采取了监管谈话措施。李某虽不认可保险公司提供的投保书签字和电话回访录音证据,但因自身不掌握证据或有力线索,其所反映的其它问题查实难度较大。  【案例分析】为了促进人身保险业务健康发展,保护保险消费者的合法权益,根据《人身保险新型产品信息披露管理办法》相关规定,保险公司向个人销售人身保险新型产品的,应在投保单中由投保人抄录风险提示语句并签名。对于一年期以上的新型产品要建立回访制度,并在犹豫期内对投保人完成回访。  在上述案例中,保险公司业务员黄某存在隐瞒合同重要信息、代抄风险提示语句等问题。此外,投保人没有充分意识到抄写风险提示语句和接受保险公司电话回访的意义,仅是按照黄某的诱导简单地走过场,后来发现自身利益受损想要维权时,虽不认可保险公司提供的投保书签字和电话回访录音证据,自身却不掌握证据或有力线索。  【监管提示】中国银保监会消费者权益保护局提醒消费者:一是确认好合同重要信息再签字。保险消费者应理性对待销售推荐行为,在抄写风险提示及签字确认前仔细阅读合同条款,认真评估产品是否符合自身需求及风险承受能力,切勿盲目签字确认,更不要让他人代签。二是认真对待保险公司回访。回访制度不仅督促保险公司履行信息披露义务,也有助于固化关键销售过程,以便产生纠纷后查明事实。保险消费者应根据实际情况回答回访问题,如不了解保险条款相关内容等,要及时向保险公司咨询,切勿盲目回答“清楚”、“明白”、“知道”等。  保险机构拒绝承保交强险是违规行为  【案情简介】银保监会某派出机构接到消费者投诉,反映某财产保险公司分支机构拒绝承保机动车交通事故责任强制保险(以下简称交强险)。经查,该保险机构存在以投诉人摩托车为外地牌照且公司暂时没有单证为由,拒绝承保投诉人摩托车交强险的行为。针对上述问题,监管机构对相关保险机构罚款5万元。  【案例分析】我国实行机动车交通事故责任强制保险制度,对于保障机动车交通事故受害人及时获得赔偿,促进道路交通安全具有重要作用。《机动车交通事故责任强制保险条例》规定,在我境内道路上行驶的机动车的所有人或者管理人,应当依照《中华人民共和国道路交通安全法》的规定投保交强险;投保人在投保时应当选择从事交强险业务的保险公司,被选择的保险公司不得拒绝或者拖延承保。在实践中,一些保险机构以没有交强险单证为由,或设定不合理限制条件等,拒绝或拖延承保摩托车、农用机动车交强险。有的机动车所有人或管理人在保险机构拒绝或拖延承保交强险后,未及时反映、解决问题,导致机动车未按规定投保交强险,一方面会受到公安机关交通管理部门的行政处罚,另一方面机动车将失去相应的保险保障,发生交通事故后由机动车所有人或管理人承担损害赔偿责任。案例中相关保险机构拒绝承保摩托车交强险的行为,损害了消费者合法权益。  【监管提示】中国银保监会消费者权益保护局提醒消费者:交强险是强制保险,机动车的所有人或管理人应及时投保交强险。如遇保险机构拒绝或拖延承保交强险等行为,消费者可通过保险机构客服电话等渠道反映,或向监管机构投诉,避免因未及时投保交强险导致损失,以维护自身合法权益。  谨防保险代理人虚假宣传“炒停”营销  【案情简介】银保监会某派出机构在“亮剑行动”专项检查中发现,某人身保险公司保险代理人马某在其微信朋友圈中发布“购买返还型健康保险最后机会”、“重大疾病保险费率调整”等“炒停”信息,以“即将停售”概念误导消费者,涉嫌虚假宣传。  【案例分析】根据《人身保险销售误导行为认定指引》,办理保险销售业务的人员不得对与保险业务相关的法律、法规、政策作虚假宣传;不得有以保险产品即将停售为由进行宣传销售,实际并未停售等欺骗行为。此外,即使保险公司决定在部分区域停止使用保险条款和保险费率,根据《人身保险公司保险条款和保险费率管理办法》规定,保险公司也不得以停止使用保险条款和保险费率进行宣传和销售误导。  在上述案例中,马某作为保险代理人,用“炒停”等营销策略开展保险业务属于违规行为。人身保险产品分为普通型、分红型、万能型、投资连结型等,“返还型健康险”这种表述并不准确。马某借用“返还型健康险”表述混淆健康保险的特点和作用,实为虚假宣传,误导消费者。  【监管提示】中国银保监会消费者权益保护局提醒消费者:一是消费者购买保险时,应当仔细阅读保险条款,不要盲目跟风冲动消费,根据自身需求理性选择。二是提高风险防范意识,不轻信网络传言,相关政策信息应以官方渠道发布为准。如有疑问,及时通过官方渠道向相关保险机构咨询或向监管部门反映,以免造成不必要的损失。 (中新经纬APP)

zhong xin jing wei ke hu duan 11 yue 22 ri dian zhong guo yin bao jian hui 22 ri shou ci fa bu 6 lei chang jian de qin hai bao xian xiao fei zhe he fa quan yi dian xing an li, bao kuo qi xiu dan wei li yong bao xian xiao fei zhe xin xi pian qu bao xian jin ren shen bao xian dian hua xiao shou ye wu wu dao xuan chuan, gu yi kua da bao xian chan pin shou yi qi pian tou bao ren bao xian ji gou ju jue cheng bao jiao qiang xian deng xian xiang, yin bao jian hui ti shi xiao fei zhe yao zheng que ren shi bao xian bao zhang gong neng, bu shou gao xi you dao, bao hu hao shen fen zheng yin hang ka deng ge ren shen fen xin xi, li pei shi jin liang jian shao dai ban.   jin fang qi xiu dan wei li yong bao xian xiao fei zhe xin xi pian qu bao xian jin   an qing jian jie you bao xian xiao fei zhe xiang yin bao jian hui mou pai chu ji gou tou su, fan ying mou qi che xiu li chang li yong tou bao che liang zhi zao jia pei an, bing shi yong qi shen fen zheng si zi kai she yin hang zhang hu, xiang bao xian gong si pian qu bao xian jin. jing cha, gai xiu li chang zai tou su ren bu zhi qing de qing kuang xia, xian hou liang ci bian zao bei bao xian che liang xu jia chu xian xin xi, xiang mou cai chan bao xian gong si fen zhi ji gou bao an, bing zai ji dong che liang bao xian suo pei shen qing shu shang wei zao bei bao xian ren qian zi, tong shi shan zi chi bei bao xian ren shen fen zheng jian zai yin hang kai li zhang hu yong yu shou qu bao xian jin, gong pian qu bao xian jin 1 wan yu yuan. you yu xiang guan qi xiu dan wei bian zao bao xian shi gu xu jia chu xian xin xi pian qu bao xian jin de xing wei she xian fan zui, yin bao jian hui pai chu ji gou yi fa jiang gai an jian yi song gong an ji guan.   an li fen xi an zhao bao xian he tong yue ding, suo pei shi yi ban you ji dong che liang bao xian de bei bao xian ren xiang bao xian ji gou ti jiao xiang guan zheng ming he zi liao, bao xian ji gou zhi jie xiang bei bao xian ren zhi fu pei kuan. zai shi jian zhong, you de bao xian xiao fei zhe zai che liang fa sheng sun huai hou, you yu fang fan yi shi bu qiang, wei tu fang bian jiang bei bao xian ren shen fen zheng bei bao xian ji dong che xing shi zheng fa sheng shi gu shi jia shi ren de jia shi zheng bao xian dan deng xiang guan li pei zi liao jiao you qi xiu dan wei dai wei suo pei. an li zhong xiang guan qi xiu dan wei zheng shi li yong shen fen bian li he bao xian xiao fei zhe de xin ren, zhi zao xu jia bao xian shi gu shi shi zha pian, qin hai le bao xian xiao fei zhe quan yi, tong shi dui bao xian shi chang zhi xu gou cheng wei hai.   jian guan ti shi wei fang fan bu fa fen zi li yong bao xian xiao fei zhe xin xi pian qu bao xian jin, zhong guo yin bao jian hui xiao fei zhe quan yi bao hu ju ti xing xiao fei zhe zai ban li che liang li pei shi ying zhu yi yi xia shi xiang: yi shi bao hu ge ren shen fen xin xi, bao guan hao shen fen zheng yin hang ka deng zhong yao zheng jian, jin liang jian shao dai ban li pei. er shi que xu wei tuo ta ren dai ban li pei shi, ying qin bi qian shu wei tuo shou quan shu, que ren shou quan fan wei he you xiao qi, bu yao qing yi jiang zheng jian yuan jian jiao yu ta ren ti gong zheng jian fu yin jian shi, zhu ming shi yong fan wei you xiao qi deng. san shi che liang li pei jie an hou, ji shi cha xun li pei ji lu, he dui chu xian ci shu ji pei kuan jin e shi fou yu shi ji qing kuang yi zhi. si shi ru li pei ji lu cun zai yi chang, ji shi lian xi bao xian ji gou jin xing he shi yi dan fa xian xiang guan ren yuan li yong bao xian xiao fei zhe xin xi pian qu bao xian jin, ying xie tong bao xian ji gou xiang gong an ji guan bao an, yi wei hu zi shen quan yi.   jin fang ren shen bao xian dian hua xiao shou ye wu wu dao xuan chuan feng xian   an qing jian jie jian guan ji gou zai" liang jian xing dong" zhuan xiang jian cha zhong fa xian, mou ren shen bao xian gong si zai dian hua xiao shou guo cheng zhong zhu yao cun zai yi xia wei gui xing wei: yi shi kua da bao xian ze ren er shi dui yu bao xian ye wu xiang guan de fa lv fa gui zheng ce zuo xu jia xuan chuan san shi dui tou bao ren yin man yu bao xian he tong you guan de zhong yao qing kuang si shi wei gui xiao shou wan neng bao xian chan pin. zhen dui shang shu wen ti, jian guan ji gou dui gai bao xian gong si fa kuan 70 wan yuan, tong shi dui san ming xiang guan ze ren ren yu yi jing gao, bing chu fa kuan he ji 27 wan yuan.   an li fen xi ren shen bao xian dian hua xiao shou ye wu kuai su fa zhan, shi xiao fei zhe gou mai bao xian chan pin de zhong yao qu dao zhi yi. zai dian hua xiao shou guo cheng zhong, xiao fei zhe yu xiao shou ren yuan tong guo yu yin jin xing jiao liu, dian hua xiao shou ren yuan dui bao xian chan pin de qing kuang jie shao, dui yu bao xian xiao fei zhe jue ding shi fou gou mai bao xian chan pin zhi guan zhong yao. bao xian fa gui ding, bao xian gong si ji qi gong zuo ren yuan zai bao xian ye wu huo dong zhong bu de qi pian tou bao ren bei bao xian ren huo zhe shou yi ren, bu de dui tou bao ren yin man yu bao xian he tong you guan de zhong yao qing kuang deng. an li zhong xiang guan bao xian ji gou dian hua xiao shou ren yuan dui xiao fei zhe jin xing wu dao xuan chuan, zhu yao xing wei you: kua da bao xian ze ren, ru xuan cheng bao xian chan pin" mei you ren he mian pei, mei you ren he men kan, hua duo shao, gong si gei zan men bao duo shao" dui yu bao xian ye wu xiang guan de fa lv fa gui zheng ce zuo xu jia xuan chuan, ru xuan cheng" jian guan ji gou yi tong yi fa wen, jin hou bao xian fei lv yao shang diao" dui tou bao ren yin man yu bao xian he tong you guan de zhong yao qing kuang, ru yin man you yu qi qi suan shi jian qi jian ji tou bao ren you yu qi nei xiang you de quan li, mian chu bao xian ren ze ren de tiao kuan, ti qian jie chu ren shen bao xian he tong ke neng chan sheng de sun shi, ren shen bao xian xin xing chan pin bao dan li yi de bu que ding xing deng. zhei xie wu dao xuan chuan xing wei wang wang ju you hen qiang de mi huo xing. you de xiao fei zhe que fa fang fan yi shi, jian dan ting xin dian hua xiao shou ren yuan de wu dao xuan chuan, cong er shou you dao gou mai liao bu fu he zi shen xu qiu de bao xian chan pin, zao cheng quan yi shou sun.   gen ju xiang guan bao xian jian guan gui ding, bao xian gong si kai zhan dian hua xiao shou de chan pin xian yu pu tong xing ren shen bao xian chan pin, fu he tiao jian de bao xian gong si ke yi xiao shou fen hong xing ren shen bao xian chan pin, dan bu neng xiao shou wan neng bao xian chan pin. an li zhong xiang guan bao xian ji gou tong guo dian xiao qu dao xiao shou wan neng xian chan pin de xing wei, wei fan le bao xian jian guan gui ding.   jian guan ti shi zhong guo yin bao jian hui xiao fei zhe quan yi bao hu ju ti xing xiao fei zhe, tong guo dian hua qu dao gou mai ren shen bao xian chan pin, yao zhu yi yi xia shi xiang, fang fan xiao fei feng xian: yi shi liao jie bao xian chan pin de xing zhi, gen ju bao xian jian guan gui ding, ren shen bao xian dian xiao qu dao xian yu xiao shou pu tong xing he fen hong xing ren shen bao xian chan pin. er shi liao jie bao xian chan pin de guan jian xin xi, ru bao xian chan pin ming cheng bao xian ze ren ze ren mian chu bao xian jin e bao xian qi jian jiao fei qi jian tui bao sun shi deng, zuo dao xin zhong you shu, yi fang bei wu dao. san shi shou dao bao xian he tong hou, ying ji shi yue du he tong tiao kuan, fa xian wu mai yi nian qi yi shang ren shen bao xian chan pin de, ke zai you yu qi nei wu tiao jian jie chu bao xian he tong, bao xian gong si chu kou chu bu chao guo 10 yuan cheng ben fei yi wai, tui huan quan bu bao fei jie chu yi nian qi han ji yi xia ren shen bao xian he tong de, bao xian ji gou an zhao he tong yue ding tui huan bao xian dan de xian jin jia zhi. si shi ru yu dian hua xiao shou ren yuan wu dao xuan chuan de, ke xiang jian guan ji gou tou su.   jin fang gu yi kua da bao xian chan pin shou yi qi pian tou bao ren xiao shou xing wei   an qing jian jie yin bao jian hui mou pai chu ji gou jie dao bao xian xiao fei zhe tou su, fan ying mou ren shen bao xian zhong xin zhi gong si zai xiang qi xiao shou guo cheng zhong she xian wei gui. jing cha, fa xian gai zhong xin zhi gong si zai xiang gai xiao fei zhe xiao shou mou fen hong xing ren shen bao xian shi cun zai yi xia xing wei: yi shi xiao shou ren yuan guo mou zai dian hua zhong cheng gai bao xian de man qi li yi yue wei 40 duo wan bing cheng ji jiang ting shou, yu chan pin de shi ji qing kuang bu yi zhi. er shi xu qi fu wu ren yuan liu mou qi pian tou bao ren, kua da chan pin fen hong shou yi, bing zai jie shi hong li fen pei fang shi shi, cun zai bu shi biao shu. ci wai, hai fa xian wei xiang tou bao ren ji song hong li tong zhi shu deng qi ta wen ti. dui yi shang wei fa wei gui wen ti, jian guan ji gou dui gai zhong xin zhi gong si fa kuan 5 wan yuan, bing dui xiao shou ren yuan guo mou liu mou fen bie yu yi jing gao.   an li fen xi gen ju ren shen bao xian xin xing chan pin xin xi pi lu guan li ban fa gui ding, ren shen bao xian xin xing chan pin shi zhi fen hong bao xian tou zi lian jie bao xian wan neng bao xian yi ji bao xian jian guan ji gou ren ding de qi ta chan pin. xiao shou ren shen bao xian xin xing chan pin ying xiang bao xian xiao fei zhe chong fen shuo ming yi xia nei rong: fen hong bao xian wei lai hong li fen pei shui ping shi bu que ding de, qi zhong cai yong zeng e fang shi fen hong de, ying dang te bie ti shi zhong liao hong li de ling qu tiao jian tou zi lian jie bao xian wei lai tou zi hui bao shi bu que ding de, shi ji tou zi shou yi ke neng hui chu xian kui sun wan neng bao xian zai zui di bao zheng li lv zhi shang de tou zi shou yi shi bu que ding de, qu jue yu gong si shi ji jing ying qing kuang.   zai shang shu an li zhong, bao xian gong si xiao shou ren yuan guo mou liu mou qi pian tou bao ren, gu yi kua da bao xian chan pin shou yi, yin man bao dan li yi de bu que ding xing, shu yu dian xing de ren shen bao xian xiao shou wu dao xing wei.   jian guan ti shi zhong guo yin bao jian hui xiao fei zhe quan yi bao hu ju ti xing xiao fei zhe: yi shi zheng que ren shi bao xian bao zhang gong neng. bao xian shi yi zhong feng xian guan li shou duan, bao xian chan pin zhu yao gong neng shi ti gong feng xian bao zhang, ren shen bao xian yi ren de sheng ming huo shen ti wei bao xian biao di, zai bei bao xian ren fa sheng bao xian he tong yue ding de bao xian shi gu shi gei fu bao xian jin. er shi wu shou gao xi you dao. you de xiao shou ren yuan zai tui xiao ren shen bao xian xin xing chan pin shi, cun zai yi li shi jiao gao shou yi lv jin xing pi lu cheng nuo bao zheng shou yi deng xiao shou wu dao xing wei. xiao fei zhe ying ti gao jing ti, li xing dui dai xiao shou tui jian xing wei, shu li ke xue bao xian xiao fei li nian, ren zhen liao jie bao xian he tong tiao kuan.   jin fang bao xian gong si ye wu yuan yin man zhong yao xin xi dai chao feng xian ti shi yu   an qing jian jie yin bao jian hui mou pai chu ji gou shou dao bao xian xiao fei zhe li mou tou su: cheng qi zai mou shou xian gong si ye wu yuan huang mou jie shao xia gou mai le yi kuan nian jin bao xian fen hong xing chan pin, huang mou zai xiao shou guo cheng zhong cheng nuo bing kua da shou yi, wei dui bao xian tiao kuan zhong de xian jin jia zhi tui bao sun shi deng zhong yao nei rong jin xing jie shi, yin dao li mou zai jie shou bao xian gong si hui fang shi dui quan bu wen ti dou hui da" shi", bing qie dai tou bao ren li mou chao lu le feng xian ti shi yu. jing cha, huang mou dai chao lu feng xian ti shi yu lu wen ti shu shi, jian guan ji gou dui gai gong si cai qu le jian guan tan hua cuo shi. li mou sui bu ren ke bao xian gong si ti gong de tou bao shu qian zi he dian hua hui fang lu yin zheng ju, dan yin zi shen bu zhang wo zheng ju huo you li xian suo, qi suo fan ying de qi ta wen ti cha shi nan du jiao da.   an li fen xi wei le cu jin ren shen bao xian ye wu jian kang fa zhan, bao hu bao xian xiao fei zhe de he fa quan yi, gen ju ren shen bao xian xin xing chan pin xin xi pi lu guan li ban fa xiang guan gui ding, bao xian gong si xiang ge ren xiao shou ren shen bao xian xin xing chan pin de, ying zai tou bao dan zhong you tou bao ren chao lu feng xian ti shi yu ju bing qian ming. dui yu yi nian qi yi shang de xin xing chan pin yao jian li hui fang zhi du, bing zai you yu qi nei dui tou bao ren wan cheng hui fang.   zai shang shu an li zhong, bao xian gong si ye wu yuan huang mou cun zai yin man he tong zhong yao xin xi dai chao feng xian ti shi yu ju deng wen ti. ci wai, tou bao ren mei you chong fen yi shi dao chao xie feng xian ti shi yu ju he jie shou bao xian gong si dian hua hui fang de yi yi, jin shi an zhao huang mou de you dao jian dan di zou guo chang, hou lai fa xian zi shen li yi shou sun xiang yao wei quan shi, sui bu ren ke bao xian gong si ti gong de tou bao shu qian zi he dian hua hui fang lu yin zheng ju, zi shen que bu zhang wo zheng ju huo you li xian suo.   jian guan ti shi zhong guo yin bao jian hui xiao fei zhe quan yi bao hu ju ti xing xiao fei zhe: yi shi que ren hao he tong zhong yao xin xi zai qian zi. bao xian xiao fei zhe ying li xing dui dai xiao shou tui jian xing wei, zai chao xie feng xian ti shi ji qian zi que ren qian zi xi yue du he tong tiao kuan, ren zhen ping gu chan pin shi fou fu he zi shen xu qiu ji feng xian cheng shou neng li, qie wu mang mu qian zi que ren, geng bu yao rang ta ren dai qian. er shi ren zhen dui dai bao xian gong si hui fang. hui fang zhi du bu jin du cu bao xian gong si lv xing xin xi pi lu yi wu, ye you zhu yu gu hua guan jian xiao shou guo cheng, yi bian chan sheng jiu fen hou cha ming shi shi. bao xian xiao fei zhe ying gen ju shi ji qing kuang hui da hui fang wen ti, ru bu liao jie bao xian tiao kuan xiang guan nei rong deng, yao ji shi xiang bao xian gong si zi xun, qie wu mang mu hui da" qing chu"" ming bai"" zhi dao" deng.   bao xian ji gou ju jue cheng bao jiao qiang xian shi wei gui xing wei   an qing jian jie yin bao jian hui mou pai chu ji gou jie dao xiao fei zhe tou su, fan ying mou cai chan bao xian gong si fen zhi ji gou ju jue cheng bao ji dong che jiao tong shi gu ze ren qiang zhi bao xian yi xia jian cheng jiao qiang xian. jing cha, gai bao xian ji gou cun zai yi tou su ren mo tuo che wei wai di pai zhao qie gong si zan shi mei you dan zheng wei you, ju jue cheng bao tou su ren mo tuo che jiao qiang xian de xing wei. zhen dui shang shu wen ti, jian guan ji gou dui xiang guan bao xian ji gou fa kuan 5 wan yuan.   an li fen xi wo guo shi xing ji dong che jiao tong shi gu ze ren qiang zhi bao xian zhi du, dui yu bao zhang ji dong che jiao tong shi gu shou hai ren ji shi huo de pei chang, cu jin dao lu jiao tong an quan ju you zhong yao zuo yong. ji dong che jiao tong shi gu ze ren qiang zhi bao xian tiao li gui ding, zai wo jing nei dao lu shang xing shi de ji dong che de suo you ren huo zhe guan li ren, ying dang yi zhao zhong hua ren min gong he guo dao lu jiao tong an quan fa de gui ding tou bao jiao qiang xian tou bao ren zai tou bao shi ying dang xuan ze cong shi jiao qiang xian ye wu de bao xian gong si, bei xuan ze de bao xian gong si bu de ju jue huo zhe tuo yan cheng bao. zai shi jian zhong, yi xie bao xian ji gou yi mei you jiao qiang xian dan zheng wei you, huo she ding bu he li xian zhi tiao jian deng, ju jue huo tuo yan cheng bao mo tuo che nong yong ji dong che jiao qiang xian. you de ji dong che suo you ren huo guan li ren zai bao xian ji gou ju jue huo tuo yan cheng bao jiao qiang xian hou, wei ji shi fan ying jie jue wen ti, dao zhi ji dong che wei an gui ding tou bao jiao qiang xian, yi fang mian hui shou dao gong an ji guan jiao tong guan li bu men de xing zheng chu fa, ling yi fang mian ji dong che jiang shi qu xiang ying de bao xian bao zhang, fa sheng jiao tong shi gu hou you ji dong che suo you ren huo guan li ren cheng dan sun hai pei chang ze ren. an li zhong xiang guan bao xian ji gou ju jue cheng bao mo tuo che jiao qiang xian de xing wei, sun hai le xiao fei zhe he fa quan yi.   jian guan ti shi zhong guo yin bao jian hui xiao fei zhe quan yi bao hu ju ti xing xiao fei zhe: jiao qiang xian shi qiang zhi bao xian, ji dong che de suo you ren huo guan li ren ying ji shi tou bao jiao qiang xian. ru yu bao xian ji gou ju jue huo tuo yan cheng bao jiao qiang xian deng xing wei, xiao fei zhe ke tong guo bao xian ji gou ke fu dian hua deng qu dao fan ying, huo xiang jian guan ji gou tou su, bi mian yin wei ji shi tou bao jiao qiang xian dao zhi sun shi, yi wei hu zi shen he fa quan yi.   jin fang bao xian dai li ren xu jia xuan chuan" chao ting" ying xiao   an qing jian jie yin bao jian hui mou pai chu ji gou zai" liang jian xing dong" zhuan xiang jian cha zhong fa xian, mou ren shen bao xian gong si bao xian dai li ren ma mou zai qi wei xin peng you quan zhong fa bu" gou mai fan huan xing jian kang bao xian zui hou ji hui"" zhong da ji bing bao xian fei lv tiao zheng" deng" chao ting" xin xi, yi" ji jiang ting shou" gai nian wu dao xiao fei zhe, she xian xu jia xuan chuan.   an li fen xi gen ju ren shen bao xian xiao shou wu dao xing wei ren ding zhi yin, ban li bao xian xiao shou ye wu de ren yuan bu de dui yu bao xian ye wu xiang guan de fa lv fa gui zheng ce zuo xu jia xuan chuan bu de you yi bao xian chan pin ji jiang ting shou wei you jin xing xuan chuan xiao shou, shi ji bing wei ting shou deng qi pian xing wei. ci wai, ji shi bao xian gong si jue ding zai bu fen qu yu ting zhi shi yong bao xian tiao kuan he bao xian fei lv, gen ju ren shen bao xian gong si bao xian tiao kuan he bao xian fei lv guan li ban fa gui ding, bao xian gong si ye bu de yi ting zhi shi yong bao xian tiao kuan he bao xian fei lv jin xing xuan chuan he xiao shou wu dao.   zai shang shu an li zhong, ma mou zuo wei bao xian dai li ren, yong" chao ting" deng ying xiao ce lue kai zhan bao xian ye wu shu yu wei gui xing wei. ren shen bao xian chan pin fen wei pu tong xing fen hong xing wan neng xing tou zi lian jie xing deng," fan huan xing jian kang xian" zhe zhong biao shu bing bu zhun que. ma mou jie yong" fan huan xing jian kang xian" biao shu hun xiao jian kang bao xian de te dian he zuo yong, shi wei xu jia xuan chuan, wu dao xiao fei zhe.   jian guan ti shi zhong guo yin bao jian hui xiao fei zhe quan yi bao hu ju ti xing xiao fei zhe: yi shi xiao fei zhe gou mai bao xian shi, ying dang zi xi yue du bao xian tiao kuan, bu yao mang mu gen feng chong dong xiao fei, gen ju zi shen xu qiu li xing xuan ze. er shi ti gao feng xian fang fan yi shi, bu qing xin wang luo chuan yan, xiang guan zheng ce xin xi ying yi guan fang qu dao fa bu wei zhun. ru you yi wen, ji shi tong guo guan fang qu dao xiang xiang guan bao xian ji gou zi xun huo xiang jian guan bu men fan ying, yi mian zao cheng bu bi yao de sun shi. zhong xin jing wei APP

    

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ofo押金难退?网友自曝假装外国人写信押金秒退

    近期很多ofo用户遇到了押金难退的问题,虽说ofo承诺15个工作日到账,但不少网友反映ofo并未兑现承诺。今天有网友爆料为了退ofo押金,竟然想出了假装外国人给ofo写信的方法,并且ofo真的很快退回了押金。

 &新浪地产网打卡中心_高鹰生殖中心nbsp;    事情是这样的,微博网友@zjt93 昨天下午在微博称,想退ofo押金,假装外国人给ofo写了封投诉邮件。人设为来自加州,在中国生活了两三年,中文不太好,做事喜欢上纲上线,以这个人设为基础,写了一封申请退款的邮件。

 董卓所立的刘协史称_高鹰生殖中心;&n消极应付的反义词_高鹰生殖中心bsp;    今天上午@zjt93再次发微博称,ofo今天一早就火速退了押金,还回复了一封英文道歉信。

      对此不少网友纷纷评论称,自己也假装外国人给ofo写了一封信,看看能不能像上述网友那样也能快速退回押金。

&男欢女爱 淘书楼_高鹰生殖中心nbsp;    华泰特拉卡t10_高鹰生殖中心 原标题:ofo押金难退?网友自曝假装外国人写信押金秒退

     白蛇传之御剑除魔_高鹰生殖中心 值班主任:颜甲

关键词:les亲爱的再见,一生不变国语版,我的爸爸是老a责任编辑:马帝
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