Core Viewpoint - The revised "Regulatory Evaluation Measures for Consumer Rights Protection in Financial Institutions" aims to enhance consumer rights protection in the financial sector, aligning with the central government's directives to prioritize consumer interests [1][2]. Group 1: Evaluation Scope and Elements - The evaluation scope has been adjusted to include financial institutions legally established in China and regulated by the financial supervisory authority, now encompassing financial leasing companies and pension insurance companies [1]. - The evaluation elements have been optimized to include seven key factors: "system mechanism," "suitability management," "marketing behavior management," "dispute resolution," "financial education," "consumer services," and "personal information protection," guiding institutions to focus on critical areas of consumer protection [1][2]. Group 2: Evaluation Process and Coordination - The evaluation process has been refined into distinct phases: information collection, initial evaluation, re-evaluation, and review, with clear requirements for each phase to ensure rigor and seriousness in the evaluation work [2]. - The regulatory authority will enhance collaboration across different levels, increasing the evaluation score weight for primary branch institutions and allowing adjustments to evaluation indicators based on the characteristics of local financial institutions [2]. Group 3: Result Utilization - The revised measures stipulate that the regulatory authority should implement differentiated regulatory measures based on evaluation results, providing positive incentives for well-performing institutions and appropriate regulatory actions for those with poor evaluations [2].

9月12日，国家金融监督管理总局修订印发《金融机构消费者权益保护监管评价办法》（以下简称《评 价办法》）。与此前版本相比，《评价办法》将金融租赁公司、养老保险公司等纳入评价范围。同时， 将评价要素调整为"体制机制""适当性管理""营销行为管理""纠纷化解""金融教育""消费者服务""个人信 息保护"7项。 金融租赁和养老保险公司被纳入评价范围 五是深化结果运用。明确金融监管总局及其派出机构应当根据消保监管评价结果，依法实施差异化监管 措施，对于评价结果较好的金融机构增加正向激励，对于评价结果较差的金融机构依法采取相应监管措 施。 金融教育宣传周活动即将开展 金融监管总局表示，《评价办法》的修订发布实施，有助于进一步健全完善行为监管制度体系，指导和 督促金融机构将金融消费者权益保护各项要求嵌入业务经营各环节、全流程，为人民群众提供更便捷、 更有温度的金融服务，切实提升金融消费者的获得感和满意度。 南都湾财社记者了解到，金融监管总局、中国人民银行、中国证监会将于2025年9月15日至21日联合开 展金融教育宣传周活动。金融管理部门各派出机构、相关行业协会、各类型各层级金融机构将以"保障 金融权益 助力美好生活"为 ...

《评价办法》共六章三十一条，包括总则、评价要素与评价方法、评价程序、评价结果运用、组织保障 和附则。主要修订内容如下： 一是调整评价范围。明确评价对象为"在中华人民共和国境内依法设立、由金融监管总局及其派出机构 依法监管的向消费者提供金融产品和服务的金融机构"，将金融租赁公司、养老保险公司等纳入评价范 围。 二是优化评价要素。将评价要素调整为"体制机制""适当性管理""营销行为管理""纠纷化解""金融教 育""消费者服务""个人信息保护"7项要素，引导金融机构加强消保重点领域治理。 三是完善评价程序。将评价实施环节进一步细分为信息收集、初评、复评、审核等，并明确各环节工作 要求，强调复评、审核工作应当通过集体研究形式开展，体现评价工作的严谨性和严肃性。 四是强化上下协同。充分发挥"四级垂管"优势，加大对基层金融机构消保工作质效的考察，提高一级分 支机构评价得分权重。金融监管总局各级派出机构可按照总局制定的年度消保监管评价方案，根据辖内 金融机构类型、业务模式和规模、客户受众面等情况合理调整评价指标。 《金融机构消费者权益保护监管评价办法》修订发布 中新网9月12日电 据国家金融监督管理总局官方微信消息，为深入 ...

Core Viewpoint - The recent revision of the "Regulatory Evaluation Method for Consumer Rights Protection in Financial Institutions" aims to enhance the regulatory framework for consumer rights protection in the financial sector, ensuring better service and satisfaction for consumers [1] Group 1: Key Changes in the Evaluation Method - The evaluation scope has been adjusted to encompass a broader range of financial institutions [1] - The evaluation elements have been optimized to better reflect the needs of consumers [1] - The evaluation procedures have been improved for greater efficiency and clarity [1] Group 2: Implementation and Impact - The revision emphasizes strengthened collaboration between different regulatory levels [1] - The application of evaluation results has been deepened to ensure that consumer rights protection is integrated into all business operations [1] - The overall goal is to provide more convenient and warmer financial services to the public, enhancing consumer satisfaction and sense of gain [1]

国家金融监督管理总局将于2025年9月15日至21日开展"金融教育宣传周"活动，聚焦群众切身利益，强 化金融消费者权益保护。平安人寿山东分公司积极响应号召，以"保障金融权益，助力美好生活"为主 题，全面启动"风险提示送上门"暨金融知识"五进入"专项行动，通过高管引领、全域覆盖、协同联动的 立体化教育宣传，切实履行企业社会责任，传递金融为民温度。 高管引领 "两全"织网 活动期间，公司创新推出"包你平安"等一系列宣传物料，联合行业协会和齐鲁频道法治节目拍摄防范非 法金融中介宣传视频，同步结合线上化宣传手段，构建"线下活动+线上传播"立体化宣传矩阵，推动金 融知识进万家。 聚焦重点协同守护 围绕群众切身利益，针对重点人群和重点内容，联合监管、媒体、平安集团其他子公司等力量，组织开 展金融知识普及和风险提示，帮助金融消费者理性选择适合自己的金融产品，远离虚假宣传、非法中 介、非法金融和电信诈骗等活动侵害；开展纠纷化解、暖心服务等系列为民办实事典型案例宣传，为群 众树立金融消费信心，消除群众与金融机构的距离感。 金融素养全域提升 公司领导班子率先垂范，启动"高管讲消保"行动，通过主题宣讲、总经理接待日等活动，将消费者 ...

Core Points - The right to seek compensation is one of the eight rights of financial consumers, allowing them to request compensation for damages not caused by their own fault [1] - The Shandong branch of Ping An Life has established a comprehensive complaint handling process, including a customer voice management system to ensure transparency and compliance [1] - Consumers have the right to report any violations by the company to financial regulatory authorities, which will intervene as necessary [1] Group 1 - Some financial consumers are opting to use illegal financial intermediaries to process policy cancellations, which can lead to unfair contracts and hinder legitimate complaint channels [1] - These illegal intermediaries often mislead consumers through social media and false claims about favorable policies for consumers [1] - In 2022, seven departments issued a notice to warn consumers about the risks of illegal agency rights protection in the financial sector [2] Group 2 - Ping An Life encourages consumers to resolve issues through official channels to avoid being misled by illegal intermediaries [2] - The company is committed to providing professional and efficient complaint handling services and calls for collective action against illegal financial intermediary practices [2] - If an agreement cannot be reached, consumers can seek mediation through financial dispute resolution organizations or arbitration [2]

刘平 中国平安人寿山东分公司党委书记、总经理 在金融监管持续强化的背景下，2025年7月《金融机构产品适当性管理办法》的出台标志着消费者权益 保护工作进入纵深发展阶段。平安人寿山东分公司始终秉持负责任金融机构的使命担当，主动加强与总 部的协同联动，积极探索实施细则的可行性路径。 公司目前重点推进三项核心工作：一是建立科学的产品分级管理制度，依据产品复杂程度、保费负担水 平、保单利益风险等维度实施分类分级管理，并通过动态调整确保产品与消费者风险承受能力相匹配； 二是在投保环节设置《投保需求分析问卷》，对客户保险需求、风险承受能力、保费负担水平及已购产 品进行全面评估和逻辑分析；三是构建销售能力资质分级管理体系，差别授权销售产品，使消费者能获 得专业的销售服务。 特别值得强调的是，目前公司已实施"双录质检+回访验证+投诉溯源"的三重校验机制，真正将适当性原 则贯穿落实到每个业务环节。下一步将继续深化标准体系建设，以更优质的服务守护消费者权益，让保 险保障更有温度、更具精度。 在金融为民初心指引下，将保护金融消费者权益的关口前移，2024年3月，国家金融监督管理总局发布 的《保险销售行为管理办法》正式实施，公司率先 ...

Core Viewpoint - The article emphasizes the importance of consumer rights protection and financial education, highlighting the initiatives taken by SPDB Credit Card Center to enhance consumer awareness and safeguard their rights in the financial ecosystem [1][2][3][4]. Group 1: Financial Education Initiatives - SPDB Credit Card Center is actively involved in financial education, focusing on consumer rights protection through diverse promotional activities and risk prevention mechanisms [1]. - The center employs a "online + offline" approach to reach various demographics, particularly targeting vulnerable groups such as the elderly and youth, by organizing engaging educational events [2]. Group 2: Consumer Rights Protection Measures - The center has established a comprehensive consumer protection framework, integrating consumer rights into its daily operations and ensuring continuous education and awareness [1][3]. - Specific initiatives include the development of tailored financial services for special groups, such as the elderly and disabled, to enhance their financial experience and satisfaction [3]. Group 3: Combating Financial Crime - SPDB Credit Card Center is committed to combating financial black and gray market activities, maintaining a zero-tolerance policy towards such practices [4]. - The center collaborates with law enforcement and regulatory bodies to address issues like telecom fraud and personal information protection, thereby enhancing consumer trust and safety [4]. Group 4: Ongoing Commitment to Consumer Needs - The center plans to continue its consumer protection education efforts, leveraging both online and offline resources to promote financial literacy and consumer rights [5].

Core Viewpoint - Zhongyou Consumer Finance is committed to enhancing consumer awareness and ability to protect their legal rights, focusing on the theme "Postal Protection, Responsibility Together" [1][2] Group 1: Consumer Rights Protection Initiatives - Zhongyou Consumer Finance promotes consumer rights through various channels, including the "Zhongyou Wallet" app, official website, and social media, utilizing educational materials to explain risks and scams [1] - The company collaborates with the Guangdong Consumer Rights Protection Center to expose illegal intermediaries and help consumers identify and prevent risks [1] Group 2: Financial Education and Awareness - The company employs both online and offline methods to improve financial literacy and risk awareness among consumers, including community outreach and financial education zones [1] - Digital technology is leveraged to enhance educational outreach to vulnerable groups, ensuring effective financial education and service delivery [2] Group 3: Commitment to Social Responsibility - Zhongyou Consumer Finance adheres to the "Finance for the People" philosophy, actively fulfilling its corporate social responsibility [2] - The company plans to continue strengthening consumer rights protection efforts to support the healthy and stable development of the financial market [2]

Core Viewpoint - The financial consumer rights protection work is essential for the healthy development of the financial industry and reflects the core of corporate social responsibility [1] Group 1: Internal Training and Culture - The company has implemented a "Consumer Protection Weekly" training mechanism to enhance employees' awareness of consumer rights protection and create a culture where everyone understands and promotes consumer protection [3][5] - The training focuses on systematic improvement for internal teams, covering various consumer protection themes each week, from legal interpretations to customer communication skills [5] - The company emphasizes practical training for external teams, breaking down consumer protection points into specific sales scenarios to reduce sales misguidance risks [5] Group 2: Community Engagement and Financial Education - The company extends its consumer protection education to the public through community outreach, aiming to improve financial literacy among different demographics [7] - Financial education activities are tailored to specific groups, such as elderly individuals, young parents, and small business owners, addressing relevant financial risks and needs [7] - The establishment of "Financial Knowledge Corners" in collaboration with local communities allows residents to access financial advice and services easily [7] Group 3: Brand Image and Corporate Responsibility - The company's ongoing consumer protection initiatives are transforming its development ecosystem, enhancing service satisfaction and establishing a responsible brand image [9] - The dual focus on internal training and external community service exemplifies the company's commitment to corporate social responsibility [9] - The company plans to continue optimizing its training mechanisms and expanding financial education outreach, embedding consumer protection culture into its core operations [9]