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　　但据叶先生说，光大银行方面并没电话通知他。在开庭后，该行也未向法庭提交相关证据。
　　在发现种种问题后，叶先生开始与光大银行沟通。多次交涉未果后，叶先生将光大银行厦门海沧支行诉至法院,[link widoczny dla zalogowanych]，并提出了几点质疑，认为其是欺诈销售,[link widoczny dla zalogowanych]。
　　在《商业银行个人理财业务管理暂行办法》、《商业银行个人理财业务风险管理指引》和《中国银行业监督管理委员会办公厅关于商业银行开展个人理财业务风险提示的通知》中，有多项条款规定：银行销售理财产品时要给客户做风险评估。

　　质疑四：擅自延长合同期限

　　光大银行厦门分行称，“同赢八号”产品协议书为全行统一范本，所有购买同赢八号的客户均签署一致的产品协议书，不属于阴阳合同,[link widoczny dla zalogowanych]。我行理财经理在与客户办理产品手续时，因当时网点办理理财的客户较多，匆忙之中未能按总行产品发行流程要求在产品协议书的预期收益率一栏填上“仿制基金，收益与投资篮子标的物表现挂钩”，后因柜台人员在日常检查中发现该问题，而由于客户无法前来柜台补办手续而直接在银行联补填。

　　对于网站的内容，光大银行厦门分行的相关负责人特别说明，“同赢八号”产品成立两年后，光大银行门户网站改版，在新改版的网站新增了许多新的展示内容，其中包括“理财产品排行”等宣传栏目，在该栏目上线时，由于操作员误操作将“理财产品排行”中列示的同赢八号产品风险评级列表中显示为一星,[link widoczny dla zalogowanych]。该部分内容上挂时间在该客户购买产品后两年。
　　王文认为，另外一个问题是，光大银行侵犯了消费者的知情权。光大银行未按照相关规定提供叶先生所持有的各月资产账单和理财计划终止后相关投资、收益的详细情况报告，导致其不能根据资产账单及时发现被告的产品表述错误和实际操作能力低下。
　　叶先生的第二点质疑在于，光大银行根本没有给他做风险评估，如果有这一程序他肯定会更加慎重地思考“同赢八号&rdquo,[link widoczny dla zalogowanych];究竟是什么性质的产品。
　　但是，到2009年9月，当叶先生准备把到期的钱取出来时，光大银行先是告知“同赢八号”已被延期一年。后是在2009年10月10日办理赎回，账户金额由最初的20万，变成143200元，亏损了56800元，亏损率高达28.4%。

　　质疑一：虚假宣传误导投资者

　　虽然在产品说明书中，光大银行将“同赢八号”列为五星风险级别，但看到的网站介绍和网银介绍却全表述为低风险，叶先生认为是有意欺瞒。

　　叶先生提交法庭的证据显示，根据5319号公证书所载光大银行网站网页内容，“同赢八号”风险评级为一星级，公示时间近三年。另一份证据显示，在7195号公证书所载光大银行个人网银网页中，光大银行将“同赢八号”定义为固定收益理财产品。

　　叶先生的代理律师福建东方格致律师事务所王文对记者说：“双方现在争议的焦点在于，‘同赢八号’属于什么性质的产品。从光大银行网站对这个产品的定义来看，这个产品属于固定收益的产品，属于最低级别风险的产品，但光大银行在印刷产品的产品说明书上，又有描述说属于最高级别风险的五星级产品。这两种表述对这一产品的定性是截然相反的。”

　　而且，该客户在购买“同赢八号”产品时,[link widoczny dla zalogowanych]，充分阅读了产品协议书和产品说明书，且在产品协议书的预期收益率一栏明确具体内容以本协议书记载编号的产品说明书为准，而产品说明书上也明确指出该产品风险评级为五星级，风险度高，不适合保守型和稳健型投资者进行投资。为此，“同赢八号”产品协议书的客户联上未注明“仿制基金，收益与投资篮子标的物表现挂钩”，并不影响客户对同赢八号产品性质的判断。

　　“让人对光大银行的信用产生更大怀疑的是阴阳合同，在办理赎回手续时，我无意间得到了光大银行保留的那份合同的复印件，在我的合同上收益率一栏处为空白，而在银行保留的那份合同上却有约定表述‘参照一篮子基金……’，这一约定的书写字迹相当潦草，即便是光大银行的代理律师在法庭上也没有把这句约定完整地念出来。”叶先生说。
　　在补充的书面回复中，光大银行特别说明，根据中国银监会《商业银行个人理财业务管理暂行办法》第五条规定：商业银行开展个人理财业务，应建立相应的风险管理体系和内部控制制度，严格实行授权管理制度,[link widoczny dla zalogowanych]。我行需在客户购买理财产品时对客户风险属性进行评估，评估后与客户签订合同并获得客户的充分授权，且至少每年重新确认一次，……。但光大银行未能提供其进行了重新确认的证明文件。

　　光大银行厦门分行的书面回复称，我行对“同赢八号”产品未进行任何虚假宣传。有关产品的具体内容都写在产品说明书中，明确了两点：一是：投资范围有专门的提示内容：“本计划…&hellip,[link widoczny dla zalogowanych];投资于在交易所公开挂牌交易或已经公开发行并即将公开持牌交易的证券产品，具体包括：A股股票、沪深交易所的债券……”。其次，产品说明书对产品风险评级提示内容如下：“……本计划风险评级为五星级，风险度高，不适合保守型和稳健型投资者进行投资”。

　　质疑二：未给投资者做风险评估

　　对此，光大银行书面回复称，我行理财经理与客户就“同赢八号”产品进行充分沟通后，严格按照总行销售理财产品的标准流程，对客户填写的风险承受能力测试题进行评分，并根据相应的分值选择该客户的风险承受能力，经测评，该客户的风险属性为进取型。

　　“2009年9月份，我准备把钱提出来时，光大银行突然告诉我此产品已经被延期一年至2010年7月31日到期，如果要提出来只能作为提前赎回。”叶先生说。

　　“履约过程中的主要问题是合同到期后，没有经过当事人的允许，只是在网站上公告后,[link widoczny dla zalogowanych]，光大银行即自行决定延期一年。按照合同法，在履行期间如果要变更合同，双方必须确认一致才可变更。按照银监会规定，信息公告要送达当事人本人。”王文说。
　　当记者请该行提供风险评估报告复印件时，上述负责人表示，按照光大银行的内部规定，在产品销售一年多以后，该行就将客户的风险测评报告销毁，所以不能提供。光大银行厦门分行其后在补充的书面回复表示，在理财产品销售新流程中，总行对客户风险承受能力评估表、产品协议书、柜台凭证明确了分类保管期限，其中：评估表至少需保存15个月，产品协议书至少需保存到产品到期后3个月，已确认无需保存的凭证应登记后统一销毁。

　　“银行没有按规定对叶先生进行相关的风险承受能力评估，没有解释相关投资工具的运作市场及方式，特别是没有揭示相关风险，实际上是有意诱导叶先生漠视风险。”王文说。
　　《商业银行个人理财业务管理暂行办法》规定，在理财计划存续期内，商业银行应向客户提供其所持有的所有相关资产的账单，账单应列明资产变动、收入和费用、期末资产估值等情况。账单提供应不少于两次，并且至少每月提供一次。商业银行与客户另有约定的除外。
　　不保本的高风险产品却在网站上描述成风险级别最低，在销售前本应对客户做风险评估却不能出具测评报告，更有甚者同一份合同的两份文本中关于收益率的表述截然不同。在购买了光大银行“同赢八号”后，厦门的投资者叶先生，发现了销售过程中与合同履行期间的一系列不合理现象。在交涉未果的情况下，他将光大银行诉至法院。

　　但是，对于为何该行个人网银上出现同样问题，这位负责人并未回答记者。

　　据叶先生介绍说，在2007年7月30日，光大银行厦门海沧支行的投资顾问庄辉，向他推介了一款名为“同赢八号”的理财产品，这个产品期限自2007年8月1日至2009年7月31日。在购买了这款产品后，叶先生到光大银行的网站查询。光大银行官网中的介绍与投资顾问所言一致，称该产品的风险级别为一星级，该行对一星级的解释是“风险低，本金保护，收益稳定”。其后，在登陆光大银行网银查询业务办理情况时，叶先生也看到网银上，“同赢八号”列在固定收益的理财产品栏目之中。他对这一款产品也就更加放心了。

　　“这是一种很典型的欺诈行为，阴阳合同的目的是什么呢？如果说你的合同是基于诚实信用的话，双方的合同应该都是一样的。阴阳合同本身就说明银行在诚信方面缺失，无论是在行为上还是主观意识上都可以说明光大银行缺乏最基本的诚信态度。”王文说。

　　“从客观事实上说，一家银行不应该同时出现这么多错误，网站和网银都能出现同样的错误？我觉得这种说法就是在推脱责任。”王文说。

　　叶先生发给记者的客户留存合同的照片显示，在产品收益率一栏处空白,[link widoczny dla zalogowanych]，而在银行留存合同的复印件中，产品收益率一栏中有一行潦草的字迹,[link widoczny dla zalogowanych]。据王文介绍，银监会的相关规定明确要求，银行要在理财产品的合同书中明示产品收益,[link widoczny dla zalogowanych]。
　　质疑三：理财产品现阴阳合同
　　据记者了解，厦门当地法院于4月底立案，并已经二次开庭。叶先生称，7月29日上午，接到法院通知，说因为此案情重大，由原来一个审判员审理改为三个审判员的合议庭审理。记者刘振冬北京报道

　　对此，光大银行表示，关于产品延期的情况，已3次电话通知叶先生，并有通话记录。

　　而据叶先生回忆，光大银行不仅在销售前未对他进行风险评估，在产品存续的两年多时间里也未对他进行过风险评估。
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