Core Insights - The electronics and white goods sector has the highest number of consumer complaints in New South Wales (NSW), surpassing property management and automotive repair [1][3] - In 2024, the NSW Fair Trading received over 34,000 complaints, with the majority related to retail products, particularly issues concerning quality and supply of appliances like refrigerators and washing machines [1][3] - The NSW government is set to introduce stricter rental reforms in May, which is expected to lead to an increase in related complaints [3] Industry Summary - The top complaint categories in NSW include: 1. Retail - Electronics, white goods, and gas appliances 2. Retail - Furniture, home goods, and bedding 3. Real estate and property services - Rental issues 4. Retail - Clothing, footwear, accessories, and jewelry 5. Other services - Travel and tourism services 6. Other services - Automotive repair and maintenance 7. Retail - Used car sales 8. Retail - New car sales 9. Retail - Mobile phones and accessories 10. Real estate and property services - Property sales [8] Consumer Guidance - Consumers are encouraged to understand their rights and are advised to conduct thorough research before making significant purchases, such as checking the NSW Fair Trading Complaints Register and reading reviews [3][5] - In case of issues, consumers should first attempt to resolve them directly with the seller; if unsuccessful, they can utilize the free complaint resolution process provided by the NSW Fair Trading [5]

央广网北京4月27日消息（总台中国之声记者管昕）据中央广播电视总台中国之声《新闻纵横》报 道，临近五一假期，很多人都已预订好了旅游行程。但有消费者向媒体反映称，她和朋友提前两个多月 在某商旅平台上预订了五一期间的酒店，这两天突然被告知无法入住了，而目前这家酒店以及周边的酒 店，重新预订要比原来的价格高出四倍。记者搜索相关投诉发现，消费者遇到的类似问题并非个例。相 关商旅平台也表示，临近五一假期酒店价格上涨，部分酒店拒掉低价订单的情况又有出现，平台将对违 规酒店予以处罚，并希望当地监管部门能加强监管，共同净化市场，保障旅客权益。 小丁告诉记者："我是2月21日订的酒店，4月21日下午平台方面突然跟我联系，说酒店那边价格有 问题，导致无法办理五一入住，让我们更换酒店。酒店称我们当时订房时的系统有问题，错的价格没有 办法给我们办理入住，说五一的酒店还是很贵的。" 小赵称，他曾给这家连锁酒店的总部反映，并未得到对方的积极处理。他转而向市场监管部门投 诉，对方才提出赔偿方案，但前提是小赵必须撤销相关投诉，被小赵拒绝。 小丁说，在双方还未就相关事宜达成一致的情况下，酒店方面单方面就取消了订单。 小丁说："4月22日上午， ...

2024年，全球经济进一步向低碳、包容性方向转型，中国上市银行在可持续发展领域的创新实践也取得 了突破。 近期，伴随着2024年度财务报告的披露，多家上市银行也陆续发布了2024年可持续发展报告或ESG（环 境、社会和公司治理）报告，全面展现在绿色金融、普惠金融、社会责任及公司治理等领域的进展。 证券时报记者梳理多家上市银行ESG报告发现，从助力小微企业破局到服务乡村全面振兴，从守护消费 者权益到推动绿色转型，金融活水正以更精准、更温暖的方式流向社会民生最需要的角落。 转型金融成"绿色"引擎 对于不少商业银行而言，作为实现其可持续战略目标核心业务板块的绿色金融，在2024年展现出规模扩 张与质量跃升的双重特征。 比如，2024年建设银行绿色贷款余额达4.70万亿元；累计发行境内外绿色债券1073亿元，参与承销境内 外绿色及可持续发展债券1863.90亿元，自营债券投资组合投向ESG领域的资金规模超5000亿元。 从多家银行披露的信息来看，在此基础上衍生的转型金融，成为了不少银行近年来主要发力的方向。不 单单是发掘有绿色基因的创新型企业，多家银行还积极挖掘金融与生态环境的契合点，不断丰富绿色金 融产品与服务创新 ...

Core Viewpoint - Haier Consumer Finance is experiencing rapid growth in performance, but this is accompanied by significant risks and public skepticism regarding its practices and consumer treatment [3][9]. Group 1: Consumer Complaints and Issues - Haier Consumer Finance has received over 12,000 complaints on the Black Cat Complaint platform, ranking among the top licensed consumer finance companies in terms of complaints [3][6]. - Complaints primarily focus on aggressive debt collection practices, including harassment of family and friends, and high-interest rates exceeding regulatory limits [3][5]. - Specific cases highlight severe psychological impacts on consumers, with reports of threats and intimidation from collection agents posing as court officials [5][6]. Group 2: Financial Practices and Transparency - The company has been reported to charge annual interest rates as high as 36%, with hidden costs that can push effective rates above 35% [6][7]. - Consumers have reported being charged high fees for early repayment, which are often not clearly disclosed until they attempt to settle their loans [6][7]. - The company’s non-performing loan rate has increased from 2.06% in 2021 to 2.38% in the first half of 2024, surpassing the industry average of 2.22% [7][8]. Group 3: Regulatory Compliance and Corporate Structure - New regulations require consumer finance companies to have a minimum registered capital of 1 billion yuan and for major shareholders to hold at least 50% of the shares [8]. - Haier Consumer Finance has increased its registered capital to 2.09 billion yuan and adjusted its shareholder structure, but it still faces challenges in meeting all regulatory requirements [8][9]. - The company’s rapid growth and high profits are overshadowed by compliance issues and the need for improved consumer protection measures [9][10].

Core Viewpoint - The "National Subsidy" policy aims to benefit consumers, but issues in the return and after-sales processes are undermining its positive impact [1][2][3] Group 1: Issues with "National Subsidy" Returns - Consumers have reported that their "National Subsidy" qualifications are not returned after product returns, leading to complaints about after-sales service [1] - Problems include platforms replacing the expected 20% government subsidy with small discount coupons and complications arising from the use of virtual currency during refunds [1][2] - The China Consumers Association has highlighted that issues related to "National Subsidy" after-sales processes have become a major complaint area, indicating a need for regulation [1] Group 2: Impact on Consumer Behavior - The inability to return "National Subsidy" qualifications can discourage consumers from making purchases, contradicting the policy's intent to stimulate consumption [2] - Consumers are more likely to replace appliances and home decor due to the "National Subsidy," but after-sales issues create a negative perception [2] - Trust and support from consumers are essential for businesses and platforms, and any manipulation of the subsidy undermines this relationship [2] Group 3: Recommendations for Improvement - Regions like Hunan and Shanghai have established clear guidelines for returning subsidy qualifications, which could serve as a model for other areas [3] - There is a call for automatic restoration of subsidy qualifications for transactions that are not completed, as well as clearer regulations regarding price protection for subsidized products [3] - The effectiveness of the "National Subsidy" policy in benefiting consumers and stimulating consumption depends on fair and transparent after-sales rules [3]

信也科技发布消费者权益保护2024年度报告： 科技 向善赋能反诈，联合共治筑牢"大消保"生态 针对个性化需求，信也科技通过精细化服务体系，为近4000名用户提供精细化协商服务，协商解决率达 68%。《报告》还显示，信也科技聚焦于细分的场景服务，全年为近36万用户提供了深度客户管理服 务。此外，信也科技升级消费者保护救助机制，全年累计向用户提供资金支持10.18亿元。 科技向善：阻断2.6万次诈骗，守护3.7亿资金 2024年是信也科技在消费者权益保护道路上持续深耕、稳步迈进的一年。公司优化完善消费者权益保护 体系，进一步细化业务流程中的消保审查机制，推动消费者权益保护理念融入服务体系。在制度基础的 支撑下，2024年信也科技国内业务平台用户满意度超过98%，用户一次性问题解决率达74%。 信也科技消保年报指出："2023年是信也科技消费者权益保护体系化建设的起步之年。在2023年的扎实 基础上，2024年我们通过科技赋能、制度完善与生态协同，在反诈技术升级、服务体验优化等领域取得 显著成效。但我们深知，消保工作任重道远。随着科技的进步和金融业态的创新，我们将面临更多新的 挑战。展望未来，信也科技将以更加开放、 ...

315 晚会看点速览： 1. 知名母婴、卫生品牌残次料竟被翻新售卖 2. 一次性内裤徒手制作，根本不杀菌 3. 曝光维修刺客啄木鸟 只开个水龙头收费 100 元 4. 保水虾仁磷酸盐超标， 1 斤虾仁 7 两冰 5. " 电子签 " 高利贷被曝光，最高年化利率近 6000%… 6. 看个文章，隐私就被窃取了？揭开可怕的信息 " 黑洞 " 7. 接不完的骚扰电话，智能机器人一天打 10 万个 8. 手机抽奖疯狂敛财，有公司号称一天流水 20 亿元 9. 再次剑指非标电线电缆！五金市场公然售卖 今年315晚会以"共铸诚信 提振消费"为主题，关注食品安全、金融安全、数字经济等领域侵害消费者权益的违法行为。 315晚会播出后，网友直接炸翻天，#315骗假不留#更是登上微博热搜。 有网友评论：建议一季度来一次，比如615，915，1215，一年一次太少了。 也有网友评论："今晚的315晚会，堪称现代版《聊斋志异》"，并直呼应加强惩处力度，"共铸诚信，先得铸刑鼎。" 快搬好小板凳，看看今年有哪些"坑"被点名，又有哪些刁民想来害打工人吧 01 知名母婴、卫生品牌残次料竟被翻新售 卖 ， 涉多家米菲、Babycare、苏菲、 ...

Core Viewpoint - China Life Group's subsidiary, Guangfa Bank, is actively implementing consumer rights protection initiatives in line with national financial regulatory requirements, focusing on enhancing consumer awareness and confidence in financial services [1][6]. Group 1: Consumer Rights Protection Activities - Guangfa Bank has launched the "Guangfa Consumer Protection is Around You" annual campaign, designating the 15th of each month as Consumer Rights Protection Day [1]. - The bank's leadership is directly involved in grassroots financial education activities, promoting consumer rights and financial knowledge through various outreach programs [2][3]. - Key initiatives include offline flash mob events and online torch relay projects aimed at raising awareness about consumer rights and financial literacy [1][6]. Group 2: Innovative Outreach Methods - Guangfa Bank is integrating financial education with local culture and events, such as sports and traditional activities, to make the information more relatable and accessible [2][5]. - The bank has organized unique activities like "talking about consumer protection on horseback" and "financial knowledge in mobile vehicles" to reach consumers in diverse settings [3][4]. - The bank's efforts include engaging with consumers in various environments, such as tea houses and cinemas, to provide financial education in an entertaining manner [5]. Group 3: Digital and Multimedia Engagement - Guangfa Bank has developed a comprehensive online communication strategy, including the "Financial Guardian" broadcast column, to enhance public understanding of consumer rights and financial services [6][7]. - The bank is utilizing multimedia formats, such as short videos and animations, to educate the public about financial risks and scams [8]. - Initiatives like the "Good Photos" collection aim to share stories that reflect the bank's commitment to consumer protection and community service [7]. Group 4: Commitment to Consumer Protection - Guangfa Bank emphasizes the importance of political and public service aspects of financial work, aiming to create a trustworthy and supportive financial service environment for consumers [8]. - The bank's ongoing efforts are designed to enhance consumer confidence and satisfaction, ultimately contributing to a safer and more secure financial ecosystem [8].

你能想象吗？激活信用卡才一个多月，账单里就多出一笔60元的权益扣款，而卡主连这项服务是什么都不知道。近日，有多位持卡人投诉浦发信用卡"乱扣 费"，甚至有人被扣费五年以上才意外知晓。 01 隐形扣费惹怒多位持卡人 "浦发信用卡让我不知不觉订阅了一个我从来用不到的玩转全球季包服务"，吴燕吐槽。 2024年11月，为办理购车贷款，吴燕向浦发银行申办了信用卡。收到卡片后，她在当月14日激活。一个多月后，因为一次退款吴燕去查账，却意外发现浦 发信用卡在12月14日给她扣了60元，账单显示是玩转全球的季度扣费。 随后，吴燕致电浦发信用卡客服询问扣费问题时，却被告知玩转全球是她本人开通的。对于浦发信用卡的答复，吴燕并不认可，"这不可能，我甚至都不知 道玩转全球是什么东西。" 在浦发信用官网查询发现，玩转全球是一项主打减免取现手续费的增值服务。吴燕吐槽，"我用信用卡十几年，很久没有取现了，这项服务对我来说一点用 都没有，我没有动力也没有理由去开通。按照银行客服的说法，就是我本人订阅了我根本不会用到的东西。离不离谱？" 文｜极速财讯 浦发信用卡在正式扣费前未与持卡人进行确认，这种流程是否合规？北京市京师（通州）律师事务所金融投 ...