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More than 3,600 individual investors have been reporting for days on financial investments that are at risk of losing their principals.

The key is whether the banks that sold these high-risk products correctly explained to their customers.

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This is a product description distributed to employees by Woori Bank for the sale of foreign interest-linked derivatives in question.

The simulation of the last 18 years of data shows that the probability of maturity is 100% and the probability of principal loss is 0%.

There is also a relatively high profit rate of 4.2% per year.

If you bury 100 million won for 6 months, you can make a profit of up to 2 million won, but the risk of flying up to 980 million won is not explained.

Another derivative statement handled by Hana Bank.

It contains high risks of investment and loss of all the principals, but it is enlightened.

Shin Mo, 72-year-old who invested 200 million won in old age, says he didn't even hear the explanation when he joined the fund.

[Shin Mo / DLF Investor: Principle of loss of principal, did not even atom of principal. It's dangerous. No eating, no wearing, saving. I didn't take a real taxi. So that's the money we saved.]

The product invested by Shin has lost 34% of the principal at the beginning of this month, and more than half are now flying.

Investor testimonials or product descriptions raise the possibility that the financial instruments with the highest investment risk were not described properly.

[Cho Nam-Hee / Director of Finance and Consumer Resources: In the UK, we need to do a preliminary investigation or review by financial authorities (such as risks), how much will this benefit the consumer through a preliminary examination of the product. ]

The FSS said that the bank's excessive earnings grounds were also part of the incident, and that it would work to change performance indicators that value performance.

(Video Editing: Jeon Min-gyu, VJ: Min-gu Jung)