Core Viewpoint - Jinmeixin Consumer Finance is actively responding to regulatory calls by enhancing financial consumer protection mechanisms and promoting financial literacy through various innovative activities aimed at safeguarding customer rights and fostering a secure financial environment [1] Group 1: Targeted Outreach to Key Groups - Jinmeixin Consumer Finance is focusing on vulnerable groups such as the elderly, youth, and new citizens, who are often targeted by fraud due to their limited financial knowledge [2] - The company organized a themed educational event titled "Financial Knowledge into Thousands of Homes: Recognizing Fraud and Ensuring Safety" at the Xiaport Street Party-Mass Service Center, addressing concerns like "reverse mortgage" and "private investment risks" [2] - An immersive financial knowledge carnival was held for retirees, incorporating fun games to enhance fraud awareness and risk prevention in a relaxed atmosphere [2] Group 2: Comprehensive Financial Knowledge Dissemination - Jinmeixin Consumer Finance utilizes both online and offline channels to ensure widespread dissemination of financial knowledge, employing platforms like WeChat, Weibo, and Douyin to create diverse content [3] - The company has launched a series of educational materials focusing on popular topics such as fraud prevention during the "618" shopping festival and personal credit awareness, aiming to empower consumers with knowledge [3] - Internally, the company promotes a strong culture of financial education among employees through various means, enhancing their ability to recognize and mitigate risks [3] Group 3: Future Initiatives - Jinmeixin Consumer Finance plans to continue innovating its educational approaches to meet consumer needs and provide more accessible financial services, contributing to a harmonious and healthy financial consumption environment [3]

Group 1 - The Financial Regulatory Administration is currently developing a framework document for the financial consumer protection sector [1] - The administration is accelerating the revision of the complaint handling management measures [1]

Core Viewpoint - The financial consumer protection and wealth management innovation seminar highlighted the rapid development of the asset management industry and the increasing complexity of the environment for protecting financial consumers and investors [1][2]. Group 1: Industry Trends - The asset management and wealth management sectors are experiencing rapid innovation, necessitating higher standards for practitioners in consumer protection [1]. - The importance of client-side (C-end) management capabilities has surpassed that of the investment side in the long-term development of the asset management industry [1]. Group 2: Regulatory and Technological Developments - With the improvement of regulatory rules and the acceleration of online services, the focus of financial consumer protection must shift from passive compliance to proactive service [1]. - The integration of technology in consumer protection is emphasized, with Ant Group utilizing AI to refine product risk points and dynamically adjust user risk profiles [2]. Group 3: Recommendations and Future Outlook - There is a call for the industry to prioritize consumer protection work, enhance system construction, and improve data information and privacy protection capabilities [1]. - The vision for the future includes building a positive cycle system for consumer protection technology, emphasizing the need for technological capability, industry collaboration, and a shift from compliance to mutual benefit [2].

（原标题：曾刚：金融消费者保护或将进入新时代） 在销售端，《办法》充分考虑了不同类别投资者的风险意识和专业能力，将客户分为普通投资者与专业 投资者，针对两者分别实施区别化保护策略。 在监管端，《办法》列出了强化监督管理的措施，并明确了机构违反适当性规定时可能面对的行政处 罚，这一条款有助于震慑可能投机取巧、不履行合规义务的机构。 值得关注的是，《办法》并未停留于风险防控的初级层面，而是着眼于金融生态的深层变革。通过压实 机构责任，倒逼其从"销售导向"转向"服务导向"，这种转变将重塑行业竞争逻辑——未来的核心竞争力 不再取决于销售话术的"杀伤力"，而在于客户画像的精准度和产品匹配的专业度。 然而，任何制度的生命力都取决于其执行效能。《办法》在落地过程中仍需破解三重现实困境。 来源：金融博览财富杂志2025年 金融市场的繁荣往往伴随着风险暗涌。当理财经理向白发老人推介高风险私募基金，当工薪阶层被结构 性存款的复杂条款绕晕，当普通投资者因信息不对称沦为被收割的"韭菜"，金融市场现有适当性管理方 面的不足已不容忽视。 国家金融监督管理总局近日发布的《金融机构产品适当性管理办法（征求意见稿）》（以下简称《办 法》），恰 ...