曹光群：做好金融消费者权益保护，助力经济金融高质量发展——以上海为例｜金融普及教育专题

Core Viewpoint - The article emphasizes the importance of financial consumer rights protection as a key regulatory issue, highlighting the need for comprehensive measures throughout the consumer protection process, including prevention, management, and resolution [5][7]. Group 1: Financial Consumer Rights Protection - Financial consumer rights protection is a significant focus of financial regulation, with the central government prioritizing this issue [7]. - The Shanghai Financial Regulatory Bureau has implemented various initiatives since 2022, including "Consumer Protection Special Governance Year," "Consumer Protection Deepening Governance Year," and "Consumer Protection Standardization Governance Year," aiming for a reduction in complaints and illegal clues by 2024 [7][10]. - By August 2025, the consumer protection governance will enter a normalization phase, continuing the trend of reducing complaints and issues [7]. Group 2: Source Governance and Suitability Management - Deepening source governance and promoting suitability management are crucial for addressing complaints effectively [9]. - The G20/OECD principles stress that financial consumers should receive fair treatment and transparent information throughout their service experience [9]. - The Financial Regulatory Bureau plans to implement a new suitability management regulation by July 2025, enhancing compliance and consumer risk awareness [9]. Group 3: Consumer Education and Engagement - The Shanghai Financial Regulatory Bureau has been actively engaging with the public to address complex consumer protection issues and improve the quality of consumer protection work [11][12]. - Initiatives include direct engagement from leadership, managing repeated complaints, and enhancing financial literacy among consumers [12][13]. - The bureau has launched various educational campaigns, including online and offline activities, to raise awareness about consumer rights and financial risks [13]. Group 4: Combating Illegal Financial Intermediaries - The rise of illegal financial intermediaries poses significant risks to consumers and institutions, prompting a coordinated response from regulatory bodies [15][16]. - The Shanghai Financial Regulatory Bureau has established a joint governance mechanism to tackle illegal financial practices, resulting in the successful crackdown on numerous cases [15]. - Efforts to cut off the customer acquisition channels for illegal intermediaries have led to the suspension of thousands of accounts involved in fraudulent activities [16]. Group 5: Dispute Resolution Mechanisms - The article discusses the importance of non-litigation dispute resolution mechanisms in addressing financial disputes effectively [17][19]. - The Shanghai Financial Regulatory Bureau has guided the establishment of a mediation center, achieving a high success rate in resolving disputes [18][19]. - New models for dispute resolution are being tested, focusing on integrating mediation with judicial processes to enhance efficiency [19][20].