金融消费者权益保护
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不法中介套路多“低息无抵押”坑人
Nan Fang Du Shi Bao· 2025-09-17 23:14
制图:李斌(豆包AI生成) 保障金融消费者知情权与选择权,深圳又有行动。9月16日,深圳首批8家银行业金融机构通过各自官方 信息发布平台,统一公布了信贷业务第三方合作机构名单。记者看到,8家机构包括工商银行深圳市分 行、农业银行深圳市分行、中国银行深圳市分行、建设银行深圳市分行、招商银行深圳分行、北京银行 深圳分行、微众银行、招联消金。记者注意到,本次8家金融机构集体"官宣",恰逢"深圳2025金融教育 宣传周"期间。 规范与第三方合作行为 协同打击不法贷款中介 发布"中介打假"声明 实际上,不法贷款中介乱象层出不穷,规范与第三方合作行为也被提上议事日程。 今年7月中旬,中国银行、工商银行、农业银行、邮储银行、中信银行、平安银行、华夏银行、浦发银 行、广发银行、北京银行等近20家银行的深圳分行陆续发布"中介打假"声明,几乎全都指向一家名为鑫 心惠邻的咨询服务机构。据悉,该中介在相关门店、附近小区电梯广告位及其互联网公众号打出"降息 优化""降息提额""携手××银行"等宣传广告,声称多家银行为其战略合作伙伴,扰乱深圳金融秩序。 9月15日,深圳金融监管局、深圳市地方金融管理局等启动深圳第三届金融教育宣传节暨20 ...
邮储银行青岛分行筑牢金融消费者权益保护防线
Zhong Guo Jin Rong Xin Xi Wang· 2025-09-17 12:22
9月,国家金融监督管理总局等三部门联合开展的"金融教育宣传周"活动启幕,邮储银行青岛分行通过 创新服务、精准关怀、广泛普及,全方位筑牢金融消费者权益保护防线。 科技赋能破痛点 "智金卫士"守好预付"放心钱" 数字经济浪潮下,预付式消费成为民生高频场景,但资金安全隐患始终是消费者的"心头忧"。针对这一 痛点,邮储银行青岛分行联合数金公服,创新推出山东省首个数字人民币智能合约预付消费服务平台 ——"智金卫士",以技术之力架起信任桥梁。 该平台依托智能合约"可信互通、不可篡改、自动执行"特性,重构预付资金管理模式:消费者预付资金 在实际消费前,始终存于个人数字人民币钱包,商户无权提前划拨;只有当消费行为完成,系统才会按 预设规则将对应资金实时结算给商户。这一机制从根源上杜绝了商户挪用资金、卷款跑路的风险,让预 付消费"钱有所管、付得放心"。 转自:新华财经 宣教常态化 金融知识"飞入寻常百姓家" 邮储银行青岛分行建立常态化宣教机制,深化"进社区、进农村、进商圈、进校园、进企业"的"五进"活 动,让金融知识沾着"烟火气"走进群众。 莱西马连庄支行在农村集市设"金融知识流动站",崂山区支行在商圈以"优惠权益+风险提示" ...
农行“金号角·金融知识集市”亮点纷呈:沉浸式体验赋能金融消费者权益保护
Qi Lu Wan Bao· 2025-09-17 10:50
9月15日,山东金融监管局联合多部门组织开展的"金号角·金融知识集市"活动在济南泉城广场隆重举办,金融机构齐聚一堂。 在众多展区中,山东省农行的"FM95599 农行消保之声"收音机造型展区格外引人注目,紧扣"保障金融权益 助力美好生活"主题,巧妙融入农业银行"只此青 绿"和"海岱农情"特色元素,为消费者提供了集科技性、知识性、趣味性和互动性于一体的视觉盛宴。 作为扎根齐鲁大地的国有金融机构,农行济南分行始终坚守"金融为民"的初心使命,积极承担金融消保主体责任,聚焦消费者的急难愁盼,深入推进"服务 升温"工程,致力于将有温度的金融服务化作春风细雨,滋润齐鲁大地的每一个角落。 农行济南分行相关领导参与上述活动。 4 172 p (2 E 12 P P P phone 7 I = " = " = H and the more of the more of the may the state TOLAN L EN 4 457 1 H the first T 227 - 12 12 P = = = = 204 or 5 max 0 237 77.4 o FAN E FREE 10 4 2 9 11 1 n: 90 1 ...
中宏保险青岛中心支公司金融服务践初心惠民生,多维度推进消保宣传教育
Qi Lu Wan Bao· 2025-09-17 10:49
Core Viewpoint - The company is actively promoting financial consumer rights protection and enhancing public financial literacy through a series of training and promotional activities during the 2025 Financial Education Promotion Week [1][6]. Group 1: Compliance and Training Initiatives - The company has launched a special campaign themed "Strengthening Sales Appropriateness, Protecting Consumer Rights," focusing on improving consumer financial literacy and regulating marketing behaviors [1][2]. - All marketing personnel are required to strictly implement the "three appropriateness" requirements regarding financial products, sales channels, and target customers, ensuring compliance through training and assessments [2]. Group 2: Community Engagement and Outreach - The company’s volunteer service team is engaging in various community activities, such as interactive financial knowledge dissemination at camping sites, using relatable analogies to explain insurance sales principles [4]. - Financial knowledge is being delivered directly to rural areas, with activities aimed at educating villagers on consumer rights protection and risk identification [6]. - The company has established outdoor promotional boards in high-traffic community areas to spread financial consumer protection messages, enhancing public awareness [10]. Group 3: Internal Employee Education - The volunteer service team has conducted consumer protection awareness activities within companies, focusing on safeguarding employee financial rights and enhancing their risk prevention capabilities [13].
华夏银行北京分行:金融知识进集市 守护百姓钱袋子
Bei Ke Cai Jing· 2025-09-17 09:29
秋意渐浓,北京金融街购物中心广场人潮涌动,一场别开生面的"金融市集"火热进行中。9月15日,2025年金融教育宣传周正式拉开序幕,华夏银行北京分 行作为十三家受邀参展的银行之一,携匠心策划的展位和丰富多彩的活动精彩亮相,通过一场金融知识"科普盛宴",切实提升首都消费者金融素养及风险防 范意识,进一步营造"学金融、懂金融、信金融、用金融"的良好氛围。 科学技术协会等多方力量拍摄宣传片,通过新媒体等搭建云端主战场,扩大金融教育工作的社会知悉面和影响力;以网点为主阵地,持续完善"警银联动、 科技赋能、全员防控"三位一体反诈机制,精准打击电信网络诈骗犯罪。2025年通过自建反诈模型和总行"火眼"系统累计拦截涉诈资金超860万元,多个案例 获北京市支付清算协会线上推广,并得到公安机关的高度认可与社会各界的广泛好评。 走近展位,青春洋溢的活力蓝奠定了明亮轻快的整体氛围,随处可见的消保宣传提示标识与华夏银行LOGO巧妙融合,营造出浓厚的金融宣教氛围;展台一 侧的桌面上,宣传折页、"金融消保小提示"立牌以及符合青少年阅读习惯的消保知识读物分类陈列,便于市民取阅。此外,展位内的投屏上循环播放该行自 制的反诈宣传片,其中,《反诈 ...
以金融普及筑屏障 以专业力量护民生丨金融普及教育专题
清华金融评论· 2025-09-17 09:23
Core Viewpoint - The article emphasizes the importance of financial education in enhancing public financial literacy and protecting consumer rights, particularly in the context of China's financial development and the need for improved risk awareness among the general population [2][3][4]. Group 1: Financial Education Initiatives - The Financial Education Promotion Week, held from September 15 to 21, aims to enhance public understanding of financial rights and risks, contributing to a healthier financial ecosystem [2]. - The article highlights the need for increased efforts in financial knowledge dissemination to improve the public's financial literacy, which currently lags behind the development of the financial industry [3]. Group 2: Consumer Rights Protection - There have been positive developments in protecting financial consumer rights, including the establishment of dedicated departments within regulatory bodies and the implementation of various consumer protection mechanisms [4]. - Future efforts should focus on enhancing financial consumer education and risk awareness, utilizing digital technologies and innovative outreach methods to ensure comprehensive financial knowledge delivery [4]. Group 3: Targeting Vulnerable Groups - The "new citizens" have emerged as a key focus in the inclusive finance sector, with education being crucial for their self-development and empowerment [7]. - It is essential to accelerate financial education for new citizens during urbanization, ensuring they benefit from the digital economy and public cultural resources [7]. Group 4: Collaborative Efforts in Financial Education - Various stakeholders, including financial institutions and educational organizations, are actively participating in financial education initiatives, expanding from traditional to digital formats [8]. - Schools are integrating basic financial knowledge into their curricula, reflecting a broader commitment to enhancing financial literacy among students [8].
华泰人寿山东分公司积极开展“2025年金融教育宣传周进商圈”活动
Qi Lu Wan Bao· 2025-09-17 08:22
本次活动主题聚焦群众关心关注的内容,积极开展金融知识普及,帮助金融消费者和投资者理性选择适 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。华泰人寿山东分公司 将以此次活动为契机,持续做好金融教育,加大金融知识普及宣导力度,扎实推进金融消费者权益保护 工作,强化消费者风险防范意识,让金融更好地满足人民群众美好生活需要,为构建和谐稳定的金融环 境持续贡献力量。 活动当天,华泰人寿山东分公司总经理刘永谋总带领公司金融知识宣传团人员走进济南市历下区经十路 集中商铺开展宣传活动。通过发放宣传拆页、悬挂条幅以及讲解金融诈骗案例等方式,详细向群众介绍 了金融消费者八项基本权利、反诈防骗、理性投资等重要知识。特别是针对老年人、商户等特殊群体开 展宣传,告知广告群众应选择正规金融机构产品,了解风险等级,不盲目追求商收益,避免踏入非法集 资、网络诈骗的陷阱。现场工作人员耐心解答来往群众提出的各类问题,帮助他们更好地理解金融概 念,受到了群众的热烈欢迎。 为深刻把握金融工作政治性、人民性,积极践行以人民为中心的价值取向,提升社会公众金融素养,维 护金融消费者合法权益,积极响应监管要求,华泰人寿山东分公司于 ...
保障金融权益 助力美好生活:人保寿险天津市分公司开展2025年金融教育宣传周活动
Zhong Guo Zhi Liang Xin Wen Wang· 2025-09-17 07:48
分公司还积极响应天津市众和金融消费者权益保护中心组织开展的金融教育宣传现场活动,于15日下午组织团队 前往津湾广场开展宣传活动。活动现场,分公司工作人员聚焦保险消费者权益保护核心内容,围绕反洗钱、防范 非法集资、防走私、反保险欺诈等重点领域,面向广大金融消费者开展了全面且深入的金融教育宣传。为增强宣 传效果,分公司准备了丰富多样的宣传材料,涵盖农村居民、青少年、残障人士、老年人、外籍来华人员等重点 群体,主动向过往群众发放宣传资料,确保将金融知识和防非反诈常识精准送达家家户户,切实提升公众的金融 风险防范意识和自我保护能力。同时,为创新宣传形式、提高公众参与度,工作人员在现场积极邀请群众参与集 团上线的"人保金融风险提示·守护到家特训营"H5闯关游戏。该游戏以第一视角引导参与者进入真实生活场景,通 过趣味互动的方式,让消费者在轻松愉快的氛围中学习金融知识、了解风险提示内容,有效增强了宣传活动的吸 引力和实效性。 展望未来,人保寿险天津市分公司将持续以保险消费者权益保护教育宣传活动为重要抓手,积极探索保险消费者 权益保护教育宣传工作的新路径、新办法,通过多元活动普及金融消保知识,助消费者树立理性消费观,提升风 ...
保障金融权益,助力美好生活——山东中行亮相山东省“金号角·金融知识集市”
Qi Lu Wan Bao· 2025-09-17 02:37
Core Viewpoint - The event "Financial Education Promotion Week" was launched in Shandong, focusing on enhancing financial literacy and consumer rights protection through various interactive activities and exhibitions [1][3]. Group 1: Event Overview - The event was held on September 15 at Jinan Quancheng Square, organized by Shandong Financial Regulatory Bureau, People's Bank of China Shandong Branch, and Shandong Securities Regulatory Bureau [1]. - Shandong Bank collaborated with its insurance subsidiaries to showcase financial education initiatives [1]. Group 2: Financial Education Initiatives - Shandong Bank created a "Consumer Protection Chinese Medicine Shop" to promote financial knowledge, featuring interactive modules and real-life case studies [3]. - The bank highlighted its commitment to public welfare through various initiatives, including the first mortgage loan for allocated affordable housing in Jinan and the establishment of an AIC equity investment fund [3]. Group 3: Outreach and Engagement - Shandong Bank launched the "Zhonghang Consumer Protection Qilu Action" brand, conducting over 7,000 financial education activities that reached nearly 100 million consumers [5]. - The bank organized unique activities like "Hometown Talks on Consumer Protection" to bring financial education to rural and urban areas [5]. Group 4: Interactive Experience - The event featured an interactive experience area where financial knowledge was presented in engaging formats, including quizzes and lucky draws [5]. - Various educational materials were available, covering topics such as credit card protection and fraud prevention, with dedicated staff providing guidance to attendees [6]. Group 5: Social Responsibility - The event not only improved financial literacy among citizens but also demonstrated Shandong Bank's commitment to consumer rights protection and social responsibility [7]. - The bank plans to continue collaborating with various stakeholders to foster a safe and harmonious financial consumption environment [7].
财智乐章,赋能未来 浦发银行济南分行成功举办金融教育宣传活动之行庆音乐会
Qi Lu Wan Bao· 2025-09-17 01:47
Core Viewpoint - The event organized by SPD Bank's Jinan branch celebrates its 24th anniversary while promoting financial education and consumer rights protection through a music concert, aiming to create a harmonious financial environment [1][5]. Group 1: Event Overview - The music concert took place on September 14, with over 1,500 attendees from various sectors, emphasizing the theme "Protecting Financial Rights, Supporting a Better Life" [3]. - The event creatively combined symphonic music with financial consumer protection knowledge, enhancing the outreach of financial education [3][5]. Group 2: Consumer Protection Initiatives - Volunteers distributed informational brochures and explained various types of scams, such as telecom fraud and online gambling traps, to raise awareness among consumers [3]. - Interactive segments like a "Financial Knowledge Quiz" were included, where participants could win commemorative fans featuring anti-fraud slogans, increasing customer engagement [3][5]. Group 3: Commitment to Customer-Centric Service - SPD Bank continues to prioritize customer-centric service, enhancing product and service quality to safeguard consumer rights amidst a complex consumption environment [5]. - The Jinan branch actively fulfills its social responsibility by promoting consumer rights protection knowledge and improving financial literacy and risk prevention capabilities among consumers [5].