Core Points - The meeting emphasized the importance of protecting financial consumers and investors, focusing on problem-oriented approaches to address complaints and issues in the financial sector [1] - The regulatory bodies will enhance collaboration to create a unified effort in improving the financial consumer environment and addressing significant issues affecting consumer rights [1] - Financial education and awareness campaigns will be intensified to improve public financial literacy and risk prevention capabilities [1] Summary by Categories Financial Consumer Protection - The meeting involved the Financial Regulatory Bureau, the People's Bank of China, and the China Securities Regulatory Commission to discuss the state of financial consumer complaints in the first half of 2025 [1] - There will be a coordinated effort to address key areas of concern raised by financial consumers, ensuring timely assessment and response to complaints [1] Regulatory Collaboration - The regulatory bodies will strengthen their collaboration with relevant departments to enhance the effectiveness of financial consumer protection initiatives [1] - A focus will be placed on identifying and addressing prominent issues that infringe on consumer rights, with an emphasis on risk warnings and concentrated remediation efforts [1] Financial Education Initiatives - A comprehensive financial education campaign is planned for September, utilizing effective methods to enhance public understanding of financial matters [1] - The goal is to elevate the financial literacy and risk management skills of the general public, contributing to a more informed consumer base [1]

【纠错】 【责任编辑:闫惠卓】 平安证券高度重视，在公司党委的统筹指导下，成立以总公司领导为核心的工作小组，积极组织全国分支机构、互联网投教基地和广西实体投教基地参 与活动。根据中国证监会的指导精神，平安证券围绕"汇聚金融力量 共创美好生活"主题贯彻落实方案，以助力提升社会公众金融素养，防范化解金融风 险，营造和谐健康的金融环境。 平安证券投教基地在营业部及高校开展投教宣传工作 近日，国家金融监管总局、中国人民银行、中国证监会、国家网信办联合开展"金融消费者权益保护教育宣传月"活动。本次活动以"汇聚金融力量 共创 美好生活"为主题，统筹金融行业组织开展教育宣传活动,传递消费者权益保护理念,为民办实事工作,着力提振金融消费信心,切实增强广大金融消费者的获得 感与满意度。 平安证券将紧紧围绕"汇聚金融力量 共创美好生活"宣传口号，全力做好"金融消费者权益保护教育宣传月"活动,突出重点、把握节奏、分层次、多渠道 地深入开展教育宣传活动，贴近消费者、加强与消费者的沟通交流，切实做到金融为民、金融惠民，展现金融消费者权益保护新担当、新气象。 活动期间，平安证券将充分发挥总分联动优势，整合好内外宣传资源，持续扩大活动影响 ...

Core Points - The meeting aimed to strengthen industry collaboration to combat financial gray and black markets, establish a long-term working mechanism, and protect consumer rights in the financial sector [1][2][3] Group 1: Regulatory Actions - The Fujian Provincial Public Security Department emphasized the urgency of combating financial crimes as part of implementing central financial work meeting directives and modern governance requirements [2] - The National Financial Supervision Administration's Fujian branch highlighted the importance of increasing efforts against financial gray and black markets to purify the industry environment and protect consumer rights [2] - The Fujian Provincial Market Supervision Administration reported achievements in combating financial gray and black markets and committed to ongoing consumer rights protection and compliance in financial advertising [3] Group 2: Industry Collaboration - Financial institutions, consumer finance companies, and fintech representatives at the meeting agreed on the necessity of enhancing consumer protection education and raising awareness of financial risks [3] - The meeting underscored the need for a regional mechanism to combat gray and black markets, which would serve as a practical measure for financial regulatory bodies in Fujian [2][3] - The collaboration between regulatory bodies and financial institutions is crucial for effectively addressing financial crimes and safeguarding consumer interests [2][3]

今后，中银保险将切实承担社会责任，围绕提升消费者金融素养和金融安全意识、增强消费者依法 维权意识和能力，持续开展多层次、多渠道、多形式的教育宣传活动，彰显保障金融权益、助力美好生 活的行业新风尚。 为深入贯彻落实党的二十大和二十届二中、三中全会精神以及中央金融工作会议精神，深刻把握金 融工作的政治性、人民性，积极践行以人民为中心的价值取向，帮助社会公众增强维护自身合法权益的 意识和能力，营造安全放心消费环境。3月1日起，中银保险以"保障金融权益 助力美好生活"为主题， 全面组织开展了"3·15"金融消费者权益保护教育宣传活动。 【纠错】 【责任编辑:梁栋飞】 线下统筹发力，筑牢金融安全防线。中银保险高度重视、强化保障，各级领导参与推动现场教育宣 传活动实施，并不断丰富宣教形式内容。在街道、社区等地设立金融知识宣传点、举办知识讲座，向广 大消费者普及金融保险知识，讲解防范非法集资、电信诈骗等金融风险。把握"学雷锋纪念日"契机，将 金融消费者权益保护教育宣传与社区志愿服务活动相结合，弘扬雷锋精神，践行使命担当，筑牢金融安 全防线，为构建和谐社会贡献力量。 线上广泛宣传，护航公众美好生活。该公司各机构充分利用线上平 ...

Core Points - The article highlights the increasing prevalence of fraudulent intermediaries in the financial consumer sector, which severely harms consumer rights [1] - A specific case is presented where a customer, Mr. Zhang, was misled by a "loan optimization intermediary" that falsely advertised low-interest loans and quick disbursements, resulting in financial loss and personal data exposure [1] - The bank branch successfully resolved the dispute by employing a multi-faceted resolution mechanism, demonstrating effective customer service and consumer protection practices [2] Summary by Sections Incident Description - Mr. Zhang fell victim to a fraudulent intermediary that claimed to have a partnership with the bank, leading him to believe the bank was responsible for his issues [1] - The intermediary charged Mr. Zhang a high agency fee and manipulated his loan application without authorization, causing credit record anomalies [1] Bank's Response - The bank's customer manager promptly addressed Mr. Zhang's concerns, providing clear explanations of the bank's compliance processes and the nature of the fraudulent activities [1] - The bank utilized real case examples to educate Mr. Zhang on the typical tactics used by fraudulent intermediaries, guiding him on how to pursue legitimate claims [1] Resolution Outcome - After multiple communications, Mr. Zhang understood the bank's position and decided to abandon his compensation claim, opting instead to resolve his credit issues through proper channels [2] - The bank's proactive approach and commitment to consumer rights protection were acknowledged by Mr. Zhang, who expressed gratitude for the assistance provided [2] Future Commitment - The bank plans to enhance its consumer rights protection efforts, focusing on risk awareness and financial education to safeguard consumers' financial interests [2]

Core Insights - A successful intervention by Xiamen International Bank's Beijing Asian Games Village branch staff prevented a scam targeting an elderly customer, saving her 70,000 yuan [1][2] - The bank's staff demonstrated strong risk identification skills and a commitment to customer protection, highlighting the importance of vigilance in financial transactions [1][2] Group 1: Incident Overview - A 90-year-old customer, Ms. Su, attempted to withdraw 70,000 yuan from a term deposit that had been in place for only 15 days, raising suspicions among bank staff [1] - The intended use of the funds was to purchase an expensive health product promoted by a dubious figure on a live streaming platform, which further alarmed the bank staff [1] Group 2: Scam Details - The individual promoting the health product, referred to as "Guo Zhongyi," was found to be involved in multiple fraud cases, selling unverified and unguaranteed products to vulnerable elderly individuals [1] - Bank staff conducted an online investigation that confirmed the fraudulent nature of the product and the promoter's history of scams [1] Group 3: Customer Protection Efforts - Bank staff engaged in a thorough discussion with Ms. Su, explaining the characteristics of similar scams and the potential risks involved [2][3] - With the assistance of police, Ms. Su ultimately recognized the danger and canceled her withdrawal request, expressing gratitude to both the bank and law enforcement [2] Group 4: Future Initiatives - Xiamen International Bank's Beijing branch plans to enhance consumer rights protection, strengthen risk prevention measures, and improve customer service [2] - The bank aims to deepen collaboration with law enforcement to create a robust financial safety net for the community [2]

Group 1 - The China Consumer Association reported a total of 995,971 consumer complaints in the first half of 2025, a year-on-year increase of 27.23%, with 509,655 cases resolved, recovering economic losses of 452 million yuan [1] - Complaints related to financial services increased from 0.24% to 0.76% of total complaints, amounting to 7,564 cases in the first half of 2025 [1] - The education and training services category saw a significant rise in complaints, totaling 44,126 cases, up 43.7% from 30,712 cases in the same period last year [1] Group 2 - The rise of misleading advertisements for "high-paying part-time jobs" has led to numerous consumer disputes, with issues including vague contract terms and unreasonable refund policies [2] - Many training institutions lure consumers with false promises and induce them to take out loans, leading to significant consumer complaints regarding "training loans" [2][3] - A specific case highlighted involved a consumer who was misled into believing in a "no-interest" installment plan, only to discover hidden interest charges totaling 2,005.84 yuan [3] Group 3 - Judicial cases related to "training loans" have emerged, with courts ruling on disputes arising from misleading educational contracts and the imposition of penalties for contract breaches [4] - Regulatory bodies have previously warned consumers about the risks associated with "training loans," emphasizing the need for vigilance against false promises and hidden costs [5] Group 4 - The market for skill training loans is substantial, with various lending institutions and consumer finance companies involved [6] - Recommendations for financial regulators include standardizing the "pay after learning" model and ensuring training institutions provide clear risk disclosures before loan agreements [6] Group 5 - Consumer finance institutions are advised to exercise caution in their partnerships and ensure compliance with regulations to protect consumer rights [7] - The increase in complaints and the prevalence of "training loan" traps highlight the need for enhanced consumer protection measures and regulatory enforcement [7]

Core Viewpoint - The rise of illegal financial intermediaries posing as legitimate service providers has become a significant threat to financial consumers, necessitating urgent action to protect consumer rights and maintain financial order [1][2][5]. Group 1: Common Scams - The article identifies four prevalent scams perpetrated by illegal financial intermediaries, including loan intermediary scams, insurance claim fraud, credit repair lies, and malicious debt evasion tactics [2][3][4]. - Loan intermediary scams often involve promises of low-interest, unsecured loans, leading consumers to pay fees without receiving the promised funds [2]. - Insurance claim fraud involves misleading advertisements that encourage consumers to use non-official channels for claims, often resulting in identity theft [3]. - Credit repair scams claim to erase negative credit history for a fee, but typically fail to deliver on these promises [2][3]. Group 2: Money Traps - The article outlines three main tactics used by illegal financial intermediaries to exploit consumers: verbal traps, contract confusion, and information trafficking [4]. - Verbal traps leverage consumers' lack of knowledge about legitimate financial processes, using misleading language to gain trust [4]. - Contract confusion arises from hidden clauses and complex agreements that disadvantage consumers [4]. - Information trafficking involves selling personal data for illegal activities, further endangering consumers [4]. Group 3: Consumer Protection Measures - Financial consumers are advised to seek services from legitimate channels and verify the identity and qualifications of financial intermediaries through official resources [5][6]. - Consumers should be cautious of unsolicited financial offers and protect their personal information from unauthorized platforms [6]. - Regulatory bodies emphasize that legitimate financial institutions do not charge fees before loan disbursement, and any requests for upfront payments should be treated as potential scams [7].

近期，瑞众保险积极响应监管机构的号召，开展了"3·15"金融消费者权益保护教育宣传活动。活动中， 瑞众保险发布了一系列诚信理赔的实例，这些实例不仅展现了瑞众保险在理赔领域的专业实力，还体现 了其有温度、有力度、有速度的高品质服务。 理赔人员在收到客户报案后及时开展服务，帮助客户快速完成理赔流程，缓解了客户家庭的经济压力， 体现了瑞众保险的可靠与诚信。 案例概述： 郭女士一直是一位非常有风险防范意识的客户，在女儿4岁时，她为女儿准备了一份能保障孩子终身的 重疾险，基本保额10万元。 2024年3月，孩子身体不适，起初家人以为是普通感冒，并未在意，直到2024年5月，孩子情况加重，最 终确诊恶性肿瘤。郭女士拨打瑞众保险理赔电话，告知孩子出险情况，并告知次日孩子化疗需预交高额 治疗费用，家中实在不堪重负。瑞众保险理赔人员及时安抚客户，并于接到报案当晚展开案件核实工 作，次日一早，郭女士将资料提交至瑞众保险柜面，经快速资料审核，被保险人未满18周岁符合条款双 倍赔付责任，当日双倍赔付重大疾病保险金20万元到账。 郭女士收到理赔金后第一时间打来电话表示感谢，并表示这笔赔款极大缓解了家庭经济压力，为孩子后 续治疗提供了经 ...

科技深化消保服务厚度：数字人全面服务2200万人次 每分钟向39名用户发出反诈预警 央广网北京3月27日消息 保护金融消费者合法权益是金融业稳健发展的重要基石，也是金融机构践行"金融为民"的应有之义。2025年3月25日，为推动金融 机构进一步强化消保意识，提升合规经营与金融宣教水平，切实保障金融消费者合法权益，由中国互联网金融协会主办、京东科技承办的"消保慧传启新程 行业携手向未来"工作座谈会在北京举办。这也是2025年协会关于走近会员系列活动的第一期，银行、保险、证券、消费金融、平台企业、金融科技公司等 相关会员机构代表参加会议。 中国互联网金融协会秘书长马超出席会议指出，在数字金融快速发展的新时代，协会将进一步发挥行业自律组织的桥梁纽带作用，凝聚政产学各方的智慧和 力量，坚守人民立场，在金融知识普及和金融消费者权益保护领域持续发力，助力金融服务的多样性、普惠性、可及性。 京东科技客户体验与服务部相关负责人在会上表示，作为中国互联网金融协会的常务理事单位，京东科技秉持"客户为先"的服务理念，将消费者权益保护纳 入公司治理核心框架和公司经营核心指标，形成了"科技防御、宣教预防、服务护航"的全链路保护机制；作 ...