中消协：加强协同共治，为加快建设金融强国贡献消协力量

Core Viewpoint - The 2025 Financial Consumer Rights Protection Symposium emphasizes the importance of protecting financial consumers' rights as a key support for boosting market confidence and preventing financial risks, while also promoting high-quality economic development [3]. Group 1: Financial Consumer Rights Protection - The China Consumers Association highlights issues in the financial sector, including excessive marketing, false advertising, inducement to purchase insurance, unfair terms, excessive collection or leakage of personal information, and financial "black and gray industries" [3]. - The association plans to enhance its role as a rights protection hub and collaborative platform, working with regulatory bodies, experts, media, and industries to contribute to high-quality financial development [3]. Group 2: Research Findings and Recommendations - The Deputy Director of the National Financial and Development Laboratory suggests improving the institutional coordination mechanism under the "big consumer protection" framework, promoting deep collaboration between financial and non-financial regulatory bodies [5]. - There is a need to address the disturbances caused by financial black and gray industries and strengthen the joint rectification of "agent rights protection" issues [5]. - Financial institutions must enhance their capacity to protect consumer rights and strictly implement suitability management requirements [5]. Group 3: Current Trends in Financial Consumer Complaints - The Deputy Secretary-General of the Jiangsu Consumer Rights Protection Committee identifies three main characteristics of current financial consumer complaints: high volume of complaints, increasing disputes from new business models, and significant risks from collective and sensitive complaints [7]. Group 4: Innovative Practices and Initiatives - The Secretary-General of the Hangzhou Consumer Rights Protection Committee discusses the "Complaint Express" initiative, which includes a "Four Ones" mechanism to enhance consumer protection [9]. - Tencent's Compliance Director shares methods for strengthening financial consumer rights protection to maintain market stability [11]. - Ant Group's Consumer Protection Department Manager presents various consumer-friendly financial protection measures enabled by technology [12]. Group 5: Financial Consumer Survey Report - The released "Financial Consumer Survey Report (2025)" indicates that the professionalism and transparency of financial products and services are becoming core concerns for consumers, with issues like unclear terms, service discrepancies, inducement sales, and personal information leakage being critical areas for improvement [13]. - The symposium also published typical case studies of financial consumer rights protection, featuring innovative practices from Ant Group, China Life, China Construction Bank, Taikang Life, and China Everbright Bank [13].