金融消费者权益保护
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金融监管总局修订发布《金融机构消费者权益保护监管评价办法》
Zheng Quan Shi Bao Wang· 2025-09-12 08:12
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]
平安人寿山东分公司启动2025年金融教育宣传周|践行金融为民初心,助力群众美好生活
Qi Lu Wan Bao· 2025-09-12 02:41
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 ...
平安人寿山东分公司2025年金融教育宣传周|维权莫借捷径藤,自有清风护权荫
Qi Lu Wan Bao· 2025-09-12 02:22
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]
平安人寿山东分公司2025年金融教育宣传周•高管讲消保 深化适当性管理,精准守护金融消费者权益
Qi Lu Wan Bao· 2025-09-12 01:40
Core Viewpoint - The company is proactively enhancing consumer protection in the insurance sector by implementing a comprehensive consumer suitability management system in response to new regulatory frameworks [1][2] Group 1: Regulatory Framework and Implementation - The implementation of the "Insurance Sales Behavior Management Measures" by the National Financial Supervision Administration in March 2024 marks a significant step in consumer rights protection [1] - The upcoming "Financial Institutions Product Suitability Management Measures" set to be introduced in July 2025 indicates a deeper development phase for consumer rights protection [1] Group 2: Core Initiatives - The company is focusing on three core initiatives: establishing a scientific product grading management system based on product complexity, premium burden, and policy risk [1] - A "Insurance Demand Analysis Questionnaire" is being introduced at the underwriting stage to assess clients' insurance needs, risk tolerance, and premium burden [1] - The company is developing a sales capability qualification grading management system to ensure differentiated authorization for sales products, enhancing the quality of sales services [1] Group 3: Quality Assurance Mechanisms - The company has implemented a three-tier verification mechanism consisting of "dual recording quality inspection + follow-up verification + complaint tracing" to ensure the suitability principle is integrated into every business process [2] - Future efforts will focus on deepening the standard system construction to provide higher quality services that protect consumer rights [2]
浦发银行信用卡为民守初心,多彩宣教润民心
Zhong Guo Jing Ji Wang· 2025-09-11 06:44
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].
中邮消金践行“金融为民”理念,切实履行社会责任
Sou Hu Cai Jing· 2025-09-03 10:47
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]
百年人寿山东分公司以常态化教育宣传筑牢消保根基 践行社会责任
Qi Lu Wan Bao· 2025-09-03 10:38
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]
民生银行济宁兖州支行开展金融知识进企业宣传活动
Qi Lu Wan Bao· 2025-09-02 08:35
Group 1 - The core idea of the news is to enhance financial literacy and risk awareness among the public, specifically targeting employees of a local educational institution through a financial knowledge promotion event organized by Minsheng Bank Jining Yanzhou Branch [1] - The event included distributing promotional materials and conducting lectures on deposit insurance, characteristics of telecom fraud, and real case studies, educating participants on various types of telecom and online fraud, and effective prevention methods [1] - The initiative aims to create a positive social atmosphere for preventing and combating telecom fraud, thereby increasing the public's ability to resist such scams [1] Group 2 - Minsheng Bank Jining Yanzhou Branch has been actively fulfilling its responsibility for consumer rights protection by conducting financial knowledge services and education in communities, schools, and enterprises [2] - The bank plans to continue enhancing its consumer rights protection efforts by innovating promotional methods, enriching content, and broadening channels to establish a more comprehensive and efficient financial education system [2] - The ongoing efforts are aimed at contributing positively to the financial environment and promoting financial literacy among the public [2]
守住钱袋子,护好幸福家:民生银行泰安分行营业部进企宣传
Qi Lu Wan Bao· 2025-09-02 08:35
Core Viewpoint - The article emphasizes the importance of financial consumer rights protection and the need for awareness against various types of financial fraud, particularly in the context of corporate employees [1] Group 1: Financial Consumer Rights Protection - The Minsheng Bank Tai'an Branch conducted a consumer rights protection awareness event at Hengxin High-Tech Energy Co., Ltd, aiming to enhance employees' understanding of financial safety [1] - The event highlighted common types of financial fraud, including investment scams, lottery scams, and telecom fraud, using relatable examples to educate employees [1] Group 2: Fraud Prevention Strategies - Employees were advised to adhere to the "three no principles": do not seek small advantages, do not trust "insider" information, and do not disclose personal information to reduce the risk of being scammed [1] - Special training was provided for corporate financial personnel, emphasizing the importance of verifying and confirming transactions before making transfers to enhance the security of corporate funds [1] Group 3: Ongoing Efforts and Community Engagement - The event distributed over 200 informational brochures, reaching more than 700 employees, indicating a commitment to ongoing education and awareness in the community [1] - Minsheng Bank Tai'an Branch plans to continue focusing on corporate outreach and expanding fraud prevention awareness to foster a "national anti-fraud" atmosphere [1]
民生银行泰安分行营业部开展消保进企活动
Qi Lu Wan Bao· 2025-09-02 08:35
Group 1 - The core idea of the news is to enhance financial consumer rights awareness among employees through a collaborative event between Minsheng Bank and Tai'an HeKang Hospital, focusing on financial safety and health protection [1][2] - The event featured knowledge lectures, case analyses, and interactive lottery activities, successfully integrating financial consumer protection with health knowledge, which was well-received by employees [1] - Minsheng Bank staff emphasized the "Three No's and One More" principle to prevent financial fraud, highlighting the importance of vigilance against scams and protecting personal information [1] Group 2 - The interactive lottery at the event included prizes such as financial knowledge manuals, health check-ups, and practical daily necessities, encouraging employee participation and enhancing understanding of financial consumer protection and health knowledge [2] - This cross-industry collaboration innovated the consumer protection promotion model, achieving a greater impact than traditional methods, and the bank plans to continue similar initiatives to raise public risk awareness [2]