金融消保新规落地 金融纠纷化解工作仍是重中之重

Core Viewpoint - The release of the "Financial Consumer Protection Regulatory Evaluation Measures (2025 Version)" marks a new phase in the regulatory framework for consumer rights protection in the financial sector in China, laying the institutional foundation for a comprehensive consumer protection system [1][2]. Group 1: Regulatory Changes - The "Financial Consumer Protection Regulatory Evaluation Measures (2025 Version)" replaces the previous version from July 2021, indicating a significant update in the regulatory approach [1][3]. - The evaluation criteria have expanded from the original five basic elements plus one adjustment element to seven key elements, reflecting a broader scope of consumer protection [2]. Group 2: Focus on Dispute Resolution - The weight of the "dispute resolution" element has been adjusted to "not less than 25%", emphasizing its importance in the evaluation framework [2]. - Analysts highlight that the new regulations stress the importance of diversified dispute resolution methods, such as mediation and reconciliation, to address financial consumer disputes effectively [2]. Group 3: Market Impact - In 2024, the number of financial disputes reported doubled compared to 2023, rising from 362 cases to 731, indicating a growing concern in the financial sector regarding consumer complaints [1]. - The adjustment in evaluation criteria is expected to guide financial institutions in enhancing their focus on consumer protection in key areas [2].