暴力催收、利息过高、向未成年人放贷 最严重者可能被暂停业务

Core Viewpoint - The newly issued "Consumer Rights Protection Regulatory Evaluation Measures" by the National Financial Supervision Administration introduces a five-level classification system for evaluating consumer rights protection in financial institutions, with potential penalties including business suspension for the most serious violations [2][6]. Group 1: Regulatory Framework - The evaluation will be based on seven key standards: "system mechanism," "suitability management," "marketing behavior management," "dispute resolution," "financial education," "consumer services," and "personal information protection," which are more refined and detailed compared to the previous six standards [6][4]. - Financial institutions that do not engage in personal business or have a small proportion of personal business may not be subject to this evaluation [3][4]. Group 2: Evaluation Process - The evaluation process will occur annually, with the evaluation period from January 1 to December 31, and results expected by mid-March of the following year [9][8]. - The evaluation includes several steps: information collection, initial evaluation, re-evaluation, and review, with the possibility of adjusting evaluation results based on significant violations or data inaccuracies [9][10]. Group 3: Consequences of Evaluation Results - Institutions rated 1 or 2A may receive reduced on-site inspection frequency and be prioritized for participation in consumer protection policy trials, while those rated lower may face various regulatory measures, including guidance and potential business restrictions [7][6]. - Institutions rated 4 may be restricted from opening new businesses or branches if they fail to rectify issues, while those rated 5 could face business suspension and accountability for responsible personnel [7][6].