三是贯通"分-支-网点"三级消保工作联系机制。建立"分行-支行-网点"三级消保专员制度，形成专职消 保人员名单。农行上海市分行各业务部室总经理分管消保工作，并设立消保协管副总、协管科长、主联 系人三级消保联系人体系；支行和网点设立专职消保人员和网点消保工作联系人。从实践来看，三级消 保专员名单制管理，有助于抓牢关键人、压实责任链，使消保工作上传下达、横纵联动效率得到显著提 升。 登录新浪财经APP 搜索【信披】查看更多考评等级 转自：新华财经 农行上海市分行认真践行金融工作的政治性和人民性，紧密围绕高质量服务上海"五个中心"建设、高水 平做好"五篇大文章"，实施消保"一把手"工程，构建全方位消保工作体系，完善全流程消保工作机制， 并注重推动消保和业务融合互促，不断打造金融宣教品牌美誉度，逐步形成了贯通"分-支-网点"三级的 大消保格局。 聚力体制机制建设，构建全方位消保工作体系 农行上海市分行在全面实施消保"一把手"工程的基础上，着力构建分工明确、责任清晰、协同高效的全 方位消保工作体系。 一是设立消保一级部独立运行。系统内首家单设消保一级部，设置制度评价、个信审查、金融宣教、投 诉管理专岗团队，同时增配科技 ...

Core Viewpoint - The financial regulatory authority emphasizes the importance of consumer protection and education in the financial sector, aiming to enhance consumer awareness and satisfaction with financial services [2][3]. Group 1: Financial Consumer Protection Initiatives - The financial regulatory authority has launched over 30 policies this year to strengthen consumer protection, focusing on improving governance, regulatory ratings, and consumer protection systems [3]. - The authority is committed to listening to consumer feedback to refine regulatory rules and ensure effective protection of consumer rights [3]. - Specific measures include enhancing marketing management, ensuring transparency in product information, and establishing comprehensive dispute resolution processes [3]. Group 2: Financial Education and Awareness Campaigns - A nationwide financial education campaign is being organized from September 15 to 21, led by the financial regulatory authority in collaboration with the People's Bank of China and the China Securities Regulatory Commission [2]. - This campaign aims to raise awareness about internet loan risks and illegal financial activities, helping consumers identify and avoid fraudulent practices [5]. - The authority is conducting a survey on consumer financial literacy, indicating a steady improvement in consumer knowledge [6]. Group 3: Focus on Financial Environment Governance - The regulatory authority is actively combating illegal financial activities and the black market in the financial sector, which is a key focus of the current education campaign [4]. - The campaign will address issues such as misleading loan advertisements and hidden fees, aiming to enhance public risk awareness [5].

Core Viewpoint - The Financial Regulatory Administration is enhancing consumer financial education and services to meet the diverse financial needs of the public, with a focus on practical measures that consumers can see and feel [1][2]. Group 1: Financial Education Initiatives - The Financial Regulatory Administration, in collaboration with the People's Bank of China and the China Securities Regulatory Commission, is organizing a Financial Education Promotion Week from September 15 to 21, aiming to improve public financial literacy [1]. - This is the third nationwide financial education campaign since the establishment of the Financial Regulatory Administration, with increasing social impact and innovative activities [1]. Group 2: Service and Product Supply Enhancement - The Financial Regulatory Administration is implementing policies to boost consumer spending, including pilot programs for personal consumer loans and interest subsidies for service industry loans [2]. - Financial institutions are encouraged to optimize resource allocation and develop customized financial products that integrate into consumers' daily lives [2]. Group 3: Consumer Protection and Feedback - The Financial Regulatory Administration has revised over 30 regulations related to corporate governance, regulatory ratings, and consumer protection this year, aiming to enhance consumer rights protection [1]. - The administration is committed to listening to consumer feedback to continuously improve regulatory frameworks [1]. Group 4: Targeted Service Improvements - The Financial Regulatory Administration is guiding financial institutions to enhance services for specific customer groups, including the elderly, disabled individuals, and new citizens, through technology and intelligent solutions [2]. - Innovative service models that address public needs have emerged, providing valuable examples for the financial industry [2]. Group 5: Ongoing Financial Literacy Assessment - A nationwide survey on consumer financial literacy is being conducted, showing a steady improvement in financial literacy levels among consumers [3]. - The Financial Regulatory Administration plans to further advance financial education initiatives to ensure comprehensive coverage of consumer scenarios and communication channels [3].

9月15日，金融监管总局副局长付万军在"2025年金融教育宣传周"启动仪式上表示，下一步，金融监管 总局将指导金融行业多出让消费者看得见、摸得着、得实惠的举措，更好地满足人民群众高品质、多样 化的金融需求。 三部门三度联手组织全国范围内消保活动 据了解，9月15日至21日，金融监管总局牵头，联合中国人民银行、中国证监会共同举办金融教育宣传 周活动，组织各级派出机构、相关行业协会、各类型各层级金融机构具体实施。 付万军介绍，这是金融监管总局成立以来，第三次联合中国人民银行、中国证监会在全国范围内组织金 融行业开展集中教育宣传活动，活动内容不断丰富、形式不断创新、社会影响力不断扩大。 "金融消费者是金融市场的重要参与者，也是金融高质量发展的重要推动者。尊重消费者、服务消费 者、保护消费者，是金融行业坚持以人民为中心价值取向，走好中国特色金融发展之路的具体体 现。"付万军强调。 其中，在民生服务中，金融监管总局不断加强制度供给，截至目前，已相继修订出台公司治理、监管评 级、消费者保护各类制度30余项。付万军表示，金融监管总局还将认真听取广大金融消费者意见建议， 不断完善监管规则，为有效保护金融消费者权益筑牢制度保障 ...

9月15日，金融监管总局副局长付万军在"2025年金融教育宣传周"启动仪式上表示，下一步，金融监管总局将指导金融行业多出让消费者看得见、摸得 着、得实惠的举措，更好地满足人民群众高品质、多样化的金融需求。 金融监管总局今年已出台30余项政策强化民生服务 针对金融消费者权益保护，今年以来，金融监管总局在民生服务、行为监管、环境治理、宣传教育等方面持续用力。 其中，在民生服务中，金融监管总局不断加强制度供给，截至目前，已相继修订出台公司治理、监管评级、消费者保护各类制度30余项。付万军表示，金融 监管总局还将认真听取广大金融消费者意见建议，不断完善监管规则，为有效保护金融消费者权益筑牢制度保障。 在行为监管方面，金融监管总局始终强调要压实金融机构消保责任，具体监管举措包括健全适当性管理机制、健全营销管理机制、健全纠纷化解机制三方面 重要内容。付万军指出，在营销管理方面，推动金融机构加强营销行为管理，突出为民服务导向，遵循真实性、准确性、完整性原则，严格履行告知义务， 帮助消费者充分知悉产品和服务信息。加强数据技术运用，确保产品销售关键环节可回溯可确认。此外，针对金融纠纷，要指导金融机构从维护消费者长远 利益出发， ...

Group 1 - The core viewpoint of the article emphasizes the importance of financial education and consumer protection in the banking sector, particularly through the initiatives of Postal Savings Bank's Qingdao branch [1] - The Qingdao branch is actively participating in the upcoming 2025 Financial Education Promotion Week by producing a themed promotional video aimed at enhancing public understanding of financial consumer protection [1] - The promotional video conveys messages from "guarding every bit of trust" to "building a financial safety barrier," transforming professional financial knowledge into accessible language for consumers [1] Group 2 - The Qingdao branch has consistently prioritized financial consumer protection, focusing on improving consumers' self-protection capabilities to foster a healthy and stable financial market [1] - The branch plans to leverage the 2025 Financial Education Promotion Week as an opportunity to conduct a series of distinctive activities aimed at raising public awareness of financial risk prevention [1] - The overall goal is to contribute to the healthy and stable development of the financial market through enhanced consumer protection efforts [1]

财达证券董事总经理姚辑表示，普惠金融相关业务和消费者保护工作的联系较为密切，比如银行业储蓄存款的 "隐性收费"问题（如小额账户管理费未明 示）、信用卡 "违约金复利计算" 等问题，保险业理赔难、退保损失过高等问题，都需要进一步自上而下统筹推动解决；加之人口老龄化程度提高、高龄金 融消费者增多，高龄消费者天然处于弱势地位，她认为养老金融与金融消费者保护工作的协调发展也需及早考虑。 打击AI欺诈，促进AI投顾高质量发展 当前股市行情火热，大量中小投资者跑步入场，综合中国结算公司及上交所的数据，截至2025年6月末，A股投资者账户总数已突破2.4亿个，且个人投资者 账户占比达99.63%。股民们享受股市红利的同时，客观上由于专业投资知识不足等因素，也产生了不少投资纠纷等消费者权益保护相关情况。 在"五篇大文章"特别是普惠金融、养老金融蓬勃发展的背景下，AI等新技术的运用便利了金融消费者，也产生了运行和定价不透明等问题，进而对金融消费 者保护工作提出了更高要求。 AI崛起：金融消费者保护工作的新机遇、新难题 作为全球高级别的金融科技和前沿科技大会，外滩大会近日在上海召开。本次会议得到上海市地方金融管理局、 上海市黄浦 ...

金融监督院相关人士解释称，此次加强公示是为了向消费者提供有关利率信息，但信用贷款因个人 享受的优惠利率条件多样，被排除在此次适用对象之外。 据韩联社8月26日报道，韩国金融监督院25日公布了《金融消费者保护相关监督规定施行细则》的 修订内容，该细则规定在金融商品比较公示中，要注明住宅担保贷款和租赁资金贷款商品的优惠利率条 件信息。金融监督院根据《金融消费者保护法》，正在运营可以收集存款、贷款等商品比较信息的一站 式服务。 （原标题：韩国金融监督院加强贷款优惠条件公示） ...

Core Viewpoint - The article highlights the increasing financial security challenges faced by the elderly due to evolving financial fraud methods, and emphasizes the proactive measures taken by Minsheng Bank's Jinan Yulan Garden Community Branch to educate and protect this demographic [1][2]. Group 1: Community Engagement and Education - Minsheng Bank's Jinan Yulan Garden Community Branch has prioritized consumer protection and anti-fraud education for the elderly, distributing tailored financial knowledge materials that address common issues faced by this group [1][2]. - The branch has implemented a "three-step" promotional strategy to enhance financial security awareness among the elderly, which includes analyzing real fraud cases, distributing a specially designed anti-fraud manual, and providing accessible services [2]. Group 2: Innovative Outreach Methods - The bank has expanded its outreach beyond offline activities to include online channels, sharing consumer protection knowledge and personalized advice through community WeChat groups and short videos [2]. - Future plans include deepening the "finance + community" service model, conducting themed promotions during holidays, and creating a comprehensive financial safety protection system for the elderly [3].

Core Insights - Shandong Provincial Insurance Association announced the vehicle insurance claims service quality evaluation results for property insurance companies, with Guoren Insurance Shandong Branch achieving an excellent score of 85.28, ranking second in the province [1] - The evaluation covered 39 property insurance companies and assessed them based on claims service timeliness, case handling, complaint disputes, and additional scoring items, aiming to enhance claims service quality and customer satisfaction [1] Group 1 - Guoren Insurance Shandong Branch received full marks in 6 out of 15 scoring indicators, including the payment cycle for compulsory insurance, reflecting the company's commitment to improving claims service quality [1] - The company implemented the "Guoren Fast Claims" initiative to shorten case handling times, enhance tracking of personal injury cases, and continuously clear red cases, thereby improving claims service efficiency and quality [1] Group 2 - The company emphasizes consumer protection and financial knowledge dissemination, conducting extensive promotional activities to educate consumers about insurance knowledge, financial policies, and risk prevention [2] - Guoren Insurance Shandong Branch integrates consumer rights protection into all service stages, ensuring that sales personnel adhere to strict regulations and that consumers fully understand insurance product terms and risks [2] - The company aims to enhance customer service capabilities and brand influence by adhering to a marketing culture focused on understanding needs and precise marketing, as well as a claims culture centered on efficiency and accuracy [2]