金融消保工作是一项长期、复杂且系统性极强的工程，它关乎着金融市场的稳定繁荣，更关乎着每一位 金融消费者的切身利益。新时代下，做好金融消费者权益保护工作，需要凝聚社会各界消费维权的强大 合力。作为科技型消费金融公司，平安消费金融在金融消保方面也有着自己的实践方案。在具体落实层 面，平安消费金融不断升级消费者权益保护制度体系和组织架构，从健全制度、学习培训、考核检查等 多角度确保消保工作机制有效运作，并针对产品和服务销售、消费者投诉处理等各环节开展专项培训， 压实履行消费者权益保护义务的主体责任。 消保宣传一直在路上，平安消费金融守护永远不打烊。接下来，平安消费金融将不断探索创新宣传方 式，深化与各方合作，将反诈知识传播到更广阔的领域。 开展金融知识宣传教育是金融机构义不容辞的责任，平安消费金融通过多样化的方式、多途径的渠道， 全心全意把金融知识送到每一位消费者身边，搭建起"金融"与"百姓"的桥梁，扎实推进金融消费者权益 保护教育宣传工作，推动金融消费者权益保护工作高质量发展，展现出"消保为民"的初心与情怀，构建 金融教育新格局。譬如，为保护广大消费者尤其是高校学生群体的合法权益，平安消费金融积极思考， 主动作为 ...

Core Viewpoint - China People's Life Insurance Company (referred to as "PICC Life") launched its 17th Customer Festival, aligning with national strategies such as rural revitalization and health initiatives, showcasing its commitment to serving national development and consumer rights [1][2][3] Group 1: Customer Festival Activities - The festival features four series of eight activities, emphasizing PICC Life's role in national development and customer service [1] - Activities include a customer visit event celebrating the 20th anniversary of PICC Life, where customers receive gifts and share stories, highlighting the growth alongside clients [1][2] - The "Summer of Passion, Full of Vitality" campaign promotes health awareness through various online and offline fitness challenges, integrating insurance with health services [1][2] Group 2: Community Engagement and Consumer Rights - The "Happiness in Two-Way Journey" theme connects with rural revitalization, encouraging customer participation in community development projects [2] - The "Guarding Home's Infinite Possibilities" family growth plan focuses on elderly and youth welfare, offering seminars on retirement planning and financial education [2] - PICC Life enhances consumer rights protection through educational activities, including the "Rights Guardian" video series and customer surveys to improve service experience [2][3] Group 3: Strategic Alignment and Service Enhancement - The festival serves as a platform to translate national strategies into tangible services, improving traditional insurance offerings and customer experience [3] - PICC Life aims to deepen its "Finance for the People" service practice, ensuring diverse customer needs are met while safeguarding their rights [3]

Core Viewpoint - The event organized by China Life Property Insurance Company in Yunnan Province aims to enhance financial safety awareness among villagers through creative and interactive methods, focusing on fraud prevention and consumer rights protection [1][2]. Group 1: Event Overview - The event took place in Heling Village, Cangyuan County, where volunteers engaged with the community to promote financial safety [1]. - Activities included a drama performance and interactive games that highlighted common fraud schemes such as fake emergency remittances and false poverty alleviation subsidies [2]. Group 2: Target Audience and Engagement - Special attention was given to minority villagers by using bilingual communication to explain fraud tactics and consumer rights [2]. - The event also focused on rural left-behind children, incorporating anti-fraud knowledge into a catchy song to help them recognize online traps [4]. Group 3: Creative Approaches - A "Children's Anti-Fraud" creative workshop was held, allowing children to express their understanding of anti-fraud heroes through art, which also served to decorate the village's promotional materials [6]. - The immersive experience of the event received positive feedback from villagers, breaking away from traditional teaching methods [6]. Group 4: Future Initiatives - China Life Property Insurance plans to continue its "Hundred Societies Thousand Villages" initiative, forming mobile lecture groups to provide financial knowledge in a more accessible manner [6].

一是深化制度机制建设，夯实保障金融权益的规则基础。付万军介绍，金融监管总局正结合当前新形 势、新任务、新要求，研究制定金融消保领域的框架性文件，促进共建金融消保制度体系，在金融业务 各领域、金融监管各条线，体现消保情怀。面对金融消费投诉处理工作的形势变化，金融监管总局加快 修订投诉处理管理办法，进一步压实金融机构主体责任，优化投诉处理程序，力争及时高效解决金融消 费者的烦心事、期盼事。与此同时，金融监管总局不断完善金融消费者权益保护监管评价机制，引导机 构充分认识消费者保护与自身经营发展的共生逻辑，将消保理念有机嵌入产品研发、业务流程、营销宣 传、内部考核等环节，持续提升金融消保工作的内生动力。 二是优化金融服务供给，更好满足群众多元化需求。付万军表示，去年金融监管总局指导上线金融产品 查询平台和金融消费者保护服务平台，打破时间和空间限制，让消费者和投资者在购买金融产品时能够 心中有数；在获取金融知识、维护合法权益时更加便利。未来，金融监管总局将继续优化这两个平台， 拓展平台功能，提升用户体验，提供更加高效便捷的"掌上查""指尖办"服务。考虑到不同人群的个性化 需求，金融监管总局将持续推动金融机构落实适老化服 ...

近年来，保险行业发展迅速，为广大消费者提供了稳定的金融保险和服务，保险行业的维权问题屡次成为社会关注热点。 二、坚守合规底线，抵制恶意行为。 针对近年来屡次出现因保险行业虚假理赔、恶意投诉、恶意退保等严重扰乱市场秩序行为，侵害保险公司及消费者合法权益事件等"黑灰产"违法犯罪活动呈 现高发态势，黄河财险始终坚守合规底线。在处理消费者投诉纠纷工作中以行业监管部门、各级法院发布的金融纠纷处置典型案例为指导，积极主动与消费 者协商解决矛盾，同时最大限度消除保险领域"黑灰产"滋生土壤，面对涉及恶意举报投诉的"黑灰产"人员，坚持原则不妥协，切实维护消费者合法权益，净 化保险市场环境。 从北京地区2024年银行业保险业投诉情况数据来看，2024年内辖内监管转送反映保险业机构的消费者投诉共有19495件，最终形成通报投诉5262件，其中财 产险公司通报投诉658件占12.50%，人身险通报投诉4526件占86%，保险中介机构通报投诉78件占比1.5%。 从保险业投诉数据显示，财产险公司投诉问题主要集中在理赔纠纷，主要为客户与保险公司在理赔责任争议、理赔方案与消费者心理预期等方面存在差距而 产生的投诉。 一、 畅通投诉渠道，倾 ...

Core Viewpoint - Tongfang Global Life Insurance Co., Ltd. emphasizes a customer-first service philosophy and aims to provide comprehensive protection and support for clients and their families through innovative health services and financial education initiatives [1][2]. Group 1: Health Services - The company launched a series of health value-added services, including online consultations, online medication purchases, caregiver hospital support, and discharge transportation arrangements [1]. - In the first quarter, the company recorded 3,621 online consultations, averaging 40.2 consultations per day, with a response time of 5 seconds during the Spring Festival, providing 416 consultations for hundreds of families [1]. - The online medication service delivered medications in as fast as 7 minutes, offering a total of 165,000 yuan in discounts to alleviate the financial burden on patients and their families [1]. - The company assisted in arranging 83 medical services, including expert outpatient consultations, hospital admissions, surgeries, and expedited examinations [1]. - The "Family Full Lifecycle Protection" service covered over 6,000 client families, focusing on health, mid-to-high-end medical care, and elderly care, with 25 selected value-added services [1]. Group 2: Policy Services - In the first quarter, the company processed 99,000 policy transactions, with 95% completed online, achieving an average processing time of 1.02 days [2]. - The company paid out survival benefits for 10,024 policies, totaling 761 million yuan, with the highest single payout reaching 11.79 million yuan [2]. - Customer service hotline received 77,700 calls, with an average satisfaction score of 4.96 out of 5 for human services [2]. Group 3: Consumer Education and Protection - The company actively promotes consumer rights protection by responding to regulatory calls and raising awareness about financial services, including reviving dormant policies and optimizing pension products [2]. - A total of 214 financial knowledge and risk warning messages were published, including 116 original warnings against illegal financial activities [2]. - The company conducted 264 educational outreach activities, focusing on vulnerable groups such as the elderly, new citizens, youth, disabled individuals, and rural residents [2]. Group 4: Future Outlook - The company plans to continue enhancing consumer rights protection services, fostering a harmonious and healthy financial environment in collaboration with consumers [3].

转自：新华财经 本次活动以"红色文化+护航青春+金融消保"为主题，将金融知识普及与生态保护、青少年成长和老年 服务相结合，旨在打造金融消费者权益保护教育盛会，助推金融消保知识进万家。 甸站组委会 供图 云南金融消保民族行寻 在寻甸县柯渡镇中心小学，中国人寿财险云南省分公司联合多家金融机构，举行"金融消保护航青春， 共筑知识希望之翼"活动，以漫画形式为学校师生讲解金融消保知识，并捐赠一批消保漫画书和体育用 品。通过生动活泼的方式，让金融知识更加贴近青少年的日常生活，使他们从小树立正确的金融消费意 识。同时，通过捐赠体育用品，鼓励青少年在学习之余强健体魄，全面发展，以实际行动履行企业社会 责任，关爱乡村教育。 4月25日，"旬"亮红心——主题党日活动现场 近日，在国家金融监督管理总局云南监管局、国家金融监督管理总局寻甸监管支局的指导下，中国人寿 财产保险股份有限公司云南省分公司联合多家金融机构，走进云南省寻甸回族彝族自治县丹桂村，正式 拉开"2025年云南省金融消保民族行寻甸站"活动的序幕。 云南金融消保民族行寻 甸站组委会 供图 柯渡镇——红军长征时两次经过的地方，居住着彝、回、苗等众多少数民族居民，也是著名的 ...

邮储银行郑州市分行联合郑东新区祭城路街道办事处、郑州市公安局反诈中心，深入某小区开展"反诈 宣传进社区 共筑平安防护网"专项主题宣传活动。通过沉浸式宣教、情景化互动，为社区居民送上家门 口的"金融安全课"。 活动现场，邮储银行设立"金融安全咨询台"，针对老年群体易受骗的"保健品投资""高息理财"，以及年 轻群体高发的"刷单返利"等骗局，发放原创《反诈知识手册》及漫画折页，用通俗语言解析诈骗套路； 反诈中心民警结合近期真实案例，现场还原"冒充公检法""AI换脸诈骗"等新型骗术，通过情景剧演绎提 醒居民"不轻信、不转账、不泄露"。 来源：环球网 2025年"3·15"金融消费者权益保护教育宣传活动期间，邮储银行河南省分行秉承"金融为民"发展理念， 聚焦"维护权益"主题，积极响应国家金融监督管理总局河南监管分局、河南省银行业协会及上级行要 求，致力于增强社会公众风险意识、提升防范能力。 3月11日，邮储银行河南省分行携手光大银行、渤海银行、中邮保险等四家金融机构，共同举办了2025 年"去伪存真直击金融'3·15'公益直播活动"。活动聚焦信用卡代还养卡、征信修复、代理退保等非法金 融乱象，通过辟谣、打假，保障消费者 ...

转自：新华财经 光大银行呼和浩特分行党委书记以《守护权益防风险 金融为民显担当》为题进行专题宣讲。从监管政 策、金融风险防范、客户权益维护等方面，围绕消费者权益应该"保护谁""保护什么""怎么保护"进行讲 解。 金融消费者是银行业持续健康发展的推动者，也是金融市场重要的参与者。光大银行呼和浩特分行始终 践行金融工作的政治性、人民性，深入开展"行长讲消保""行长值大堂"、"行长接待日"等活动，切实维 护消费者合法权益，全力构建"大消保"格局。 相关负责人表示，光大银行呼和浩特分行将坚持人民至上的根本立场，把维护好、实现好、发展好金融 消费者合法权益作为工作的出发点和落脚点，为构建和谐健康的金融消费环境贡献光大力量。（伊兰） 编辑：赵鼎 他提出，要强化消保工作"人人有责"认识，积极落实消保工作主体责任，把做好消保工作作为高质量发 展的必由之路，从大处着眼，从细微处发力，把人民群众时时放在心上，真正落实"阳光消保 美好陪 伴"理念，不断推动消保工作迈上新台阶，为全行高质量发展提供坚强保障。 在开展金融消费者权益保护教育宣传活动期间，光大银行呼和浩特分行全面启动常态化"行长接待日"活 动，分行党委班子成员每月两次下沉 ...

商业银行代销业务将步入高质量发展轨道 近日，国家金融监管总局发布了《商业银行代理销售业务管理办法》（下称《办法》），该《办 法》自2025年10月1日起施行。《办法》共八章54条，主要内容包括代销业务内部管理制度、合作机构 管理、代销产品准入管理、销售管理、代销产品存续期管理、监督管理等。 应该说，《办法》的发布是为商业银行代销业务"定标立规"，划定了明确的业务"红线"，标志着我 国金融行业规范化、精细化管理又迈出了重要一步。它不仅有助于防控代销业务风险、保护消费者权 益，也为代理销售领域的未来发展指明了方向，将成为商业银行发展代销业务必须坚守的"遵循"。 其四，《办法》提出的保护消费者权益要求，对商业银行和消费者将产生同频共振效应。《办法》 的实施有助于提升金融消费者权益保护水平，因为通过强化合作机构与代销产品准入管理、明确禁止违 规行为、加强适当性管理等措施，有利于提升对金融消费者权益的保护水平，确保消费者能够安心消 费、放心消费。对于商业银行来说，新规虽在短期增加了管理难度，但也为其构建更加稳健的业务框架 和赢得客户信赖提供了绝佳机会。这将促使其从单纯追求业务规模向更加注重质量和风险控制的方向转 型，有 ...