Core Viewpoint - Sunshine Insurance is actively engaging in a public welfare initiative called "Warm Homecoming Road" to support travelers during the Spring Festival, emphasizing customer-centric values and community responsibility [1]. Group 1: Service Stations - Over 200 "Warm Homecoming Road" service stations have been established nationwide, providing essential supplies and emergency resources to travelers [2]. - These stations offer hot water, ginger tea, instant noodles, and other basic supplies, as well as first aid kits and masks to ensure travelers' comfort and safety [2]. - Volunteers are providing additional services such as free tire pressure checks and brake safety inspections to enhance road safety during the travel season [2][6]. Group 2: Financial Knowledge Promotion - The initiative also serves as a platform for financial consumer rights protection, particularly targeting vulnerable groups like the elderly and migrant workers [10]. - Volunteers are educating travelers about financial fraud prevention through face-to-face interactions and distributing informative materials [10][11]. - Real-life examples and simplified explanations of common scams are being shared to enhance travelers' awareness and protection against financial risks [10][11]. Group 3: Acknowledging Frontline Workers - Sunshine Insurance is extending its warmth to frontline workers, such as traffic police and sanitation workers, by providing them with care packages and New Year greetings [12]. - This initiative aims to recognize and appreciate the efforts of those ensuring a smooth travel experience during the busy Spring Festival period [12][18]. Group 4: Future Commitment - Sunshine Insurance plans to continue expanding its services and integrating public welfare with insurance functions to enhance community support and customer safety [17].

Core Viewpoint - The financial education campaign organized by Ping An Health Insurance Beijing Branch aims to enhance financial consumer risk awareness and safeguard the financial safety of various consumer groups, particularly focusing on foreign nationals, the elderly, new citizens, and youth [1][8]. Group 1: Event Overview - The event took place on February 6 and was guided by the Beijing Regulatory Bureau of the National Financial Supervision Administration, collaborating with multiple local organizations [1]. - The theme of the campaign was "Spreading Financial Knowledge, Brewing Wealth Life," utilizing a combination of professional presentations, interactive activities, public health services, and convenience services [1][8]. Group 2: Target Audience and Content - The campaign specifically targeted four consumer groups: foreign nationals, the elderly, new citizens, and students/youth, providing tailored financial knowledge and services [1][8]. - It included a focus on high-frequency fraud scenarios such as stock trading, gold bar purchases, and investment management, with practical advice on recognizing scams [3]. Group 3: Interactive Learning - The event featured engaging activities like a choir performance of an anti-fraud song, a quiz game with rewards, and a financial safety obstacle course, making learning enjoyable and memorable [5]. - Participants could win prizes by answering questions correctly, reinforcing their understanding of financial safety in a fun environment [5]. Group 4: Health Services - A special public health consultation area was set up, where experienced medical volunteers provided free health consultations, blood pressure and blood sugar tests, and advice on common health issues [6]. - This initiative aimed to address the health needs of different consumer groups while they learned about financial knowledge, showcasing the institution's commitment to community service [6]. Group 5: Future Plans - Ping An Health Insurance Beijing Branch plans to continue its efforts in financial consumer rights protection, focusing on innovative educational formats and addressing the financial needs of special consumer groups [10]. - The company aims to extend its consumer protection services and collaborate with various sectors to strengthen the financial safety net for the community [10].

当前打击不法"代理维权"行为，再怎么强调都不为过。这有助于降低陷入财务困局者再次遭遇侵害的风 险，也有助于规范法治化的金融市场环境，降低各种噪声对市场正常秩序的侵害。 当然，有效规制不法"代理维权"行为，在严厉整治、露头就打的同时，也要正视监管他律的一个可能性 边界问题，即信息不对称问题。由于不法欺诈等行为更多来自私有信息，属于典型的内部信息，监管部 门获取的成本相对较高，这导致监管规制更多是以儆效尤的经典案例打击。因此，信息获取成本决定着 监管他律的适用范围，仅靠事后的严厉整治，难以根除其滋生土壤。 代理维权陷阱迎来重拳出击。 6日国家金融监管总局、中央网信办、公安部、中国人民银行、中国证监会发布风险提示，提醒广大群 众警惕不法"代理维权"侵害，依法理性维权。 提示指出，不法"代理维权"短视频、直播乱象存在谎称"监管部门出新政"、谎称"金融机构有活动"、宣 称"专业律师专业维权"及其他煽动性话术等四大特征，金融消费者、投资者勿听信谣言，警惕"代理维 权"骗局，共同守护清朗网络空间。 因此，让可重整个人资产负债表的政策和信息，畅通无阻地直达债务人和投资人，才能有效阻断不 法"代理维权"行为的发生场景，才不会让 ...

Core Viewpoint - The protection system for the legal rights of financial consumers and investors urgently needs improvement, and there is room for enhancement in the communication channels between policy and the market [1][5]. Group 1: Issues with Illegal "Proxy Rights Protection" - Illegal "proxy rights protection" has distinct characteristics, including false claims about new regulations from regulatory bodies, misleading information about financial institutions' activities, and the use of provocative language by so-called "professional lawyers" [2]. - The existence of illegal "proxy rights protection" highlights the inadequacies in formal rights protection channels and the legal rights protection system, which fail to effectively reach those in need [3]. - The first line of defense against illegal "proxy rights protection" is to reduce information asymmetry and improve dialogue between policy and the market to avoid misunderstandings [3]. Group 2: Solutions and Recommendations - The second line of defense involves promoting the restructuring and reconstruction of personal balance sheets based on affordability, as many debtors lack legal, feasible, and transparent debt relief channels [4]. - There is an urgent need to establish a personal bankruptcy system and a personal credit repair system to provide individuals with affordable options for balance sheet repair [4]. - The third line of defense is to provide systematic institutional guarantees for the protection of financial consumers and investors' legal rights, including the introduction of collective litigation, burden of proof for the defense, and dispute resolution mechanisms [4].

新规落地有助于构建起对金融消费者权益的全方位保护。针对普通投资者专业能力不足的现实，新规建立"产品风险分级＋投资者分类"的双重保护机制，要 求投资型产品风险等级从低到高划分为五级并动态调整，同时对普通投资者实施强化评估、充分告知、风险提示等特别保护措施。差异化管理避免了"一刀 切"的行业痛点，让适当性匹配更具实操性。尤其值得关注的是，新规新增禁止操纵业绩、不当展示等误导行为，明确65周岁以上群体购买高风险产品需履 行特别注意义务，将保护关口前移至销售全流程。线上销售与第三方合作营销的合规要求，更回应了数字化时代金融消费的新挑战，确保技术创新不偏离合 规底线。这些规定既赋予金融消费者更充分的知情权与选择权，也通过"卖者有责"倒逼机构规范经营，从源头减少风险错配带来的损失。 对金融机构而言，新规既是约束也是转型契机。长期以来，部分机构以销售业绩为核心考核指标，导致销售人员重业绩轻合规，埋下风险隐患。新规明确要 求机构建立科学的激励约束机制，将合规性、客户投诉情况纳入考核，不得唯业绩论英雄。同时，产品风险动态管理、客户信息如实收集、销售过程可回溯 等要求，倒逼机构升级信息系统、强化人员培训、完善内控流程。短期来看， ...

Core Viewpoint - The article discusses new regulations introduced by the China Banking Association aimed at addressing issues in the post-loan collection process for personal consumer loans, particularly focusing on the prohibition of harassment during debt collection [3][4]. Group 1: Regulatory Overview - The new guidelines, titled "Guidelines for Financial Institutions' Personal Consumer Loan Collection Work (Trial)," set specific rules for collection practices, including a ban on collection calls from 10 PM to 8 AM and limiting the number of calls to a debtor to no more than six times per day [3][5]. - The guidelines consist of seven chapters and fifty-four articles, focusing on self-regulation within the industry, defining collection behaviors, and establishing norms for external collection agencies [4][5]. Group 2: Collection Behavior Standards - The guidelines emphasize that collection activities must be conducted within reasonable limits, with specific restrictions on the frequency and timing of calls, reiterating previous standards set in 2021 and 2025 [5][6]. - The document outlines that collection actions should be respectful and confidential, adhering to national regulations on personal information protection [7][8]. Group 3: Prohibited Practices - Eight major prohibited practices are outlined, including impersonating government officials, using threats or intimidation, and unauthorized entry into private spaces for collection purposes [9][10]. - The guidelines also prohibit external collection agencies from subcontracting collection tasks without the consent of the lending institution [10].

Group 1: Banking Regulations - The "Administrative Measures for Custody Business of Commercial Banks" will take effect on February 1, 2026, aiming to promote the standardized development of custody business and enhance risk management in commercial banks [2] - The measures consist of five chapters and 49 articles, outlining the basic principles and requirements for commercial banks to conduct custody business, including the establishment of governance structures and management systems [2] Group 2: Consumer Protection - The "Measures for the Appropriateness Management of Financial Institution Products" will also be effective from February 1, 2026, focusing on enhancing consumer protection in financial products [3] - The measures require financial institutions to classify investment products by risk levels and manage them dynamically, with special protections for ordinary investors [3] Group 3: Cash Payment Regulations - The "Regulations on Cash Payment and Services" will be implemented on February 1, 2026, to uphold the legal status of the Renminbi and prevent refusal of cash payments [4] - The regulations mandate that businesses must respect consumers' rights to choose legal payment methods and cannot refuse cash payments without legal justification [4] Group 4: E-commerce Regulations - The "Supervision and Management Measures for Network Trading Platform Rules" will come into effect on February 1, 2026, aimed at regulating the formulation and execution of platform rules to maintain order in online transactions [5] - The measures prohibit unreasonable restrictions on operators' activities and ensure consumer rights are protected against unfair practices [5] Group 5: Live E-commerce Management - The "Supervision and Management Measures for Live E-commerce" will be effective from February 1, 2026, focusing on the responsibilities of various stakeholders in the live e-commerce ecosystem [6] - The measures prohibit false advertising and the sale of illegal goods, and require compliance with legal standards for AI-generated content used in live commerce [6]

为了让赛事体验更具趣味性，中国人寿保障团队还设置了互动游戏区，通过趣味冰壶等游戏项目，让小球员们在赛中缓解紧张情绪，将实力 100%发挥出来。工作人员为参与游戏的孩子们准备了定制篮球周边礼品，每一份礼物都承载着中国人寿对青少年篮球爱好者的美好期许。据悉，本次 NYBO厦门赛区秋季赛将持续一个月，数十场精彩对决将陆续上演，国寿保障团队将全程坚守，为数百名篮球少年的"全国总决赛之梦"筑牢安全防线。 围绕"储蓄理财""个人征信""信息安全"等核心知识点编写的趣味猜谜，让原本略显枯燥的金融知识变得生动有趣。孩子们踊跃参与答题，答对的 小朋友可以获得定制小礼品，即便未能答对，志愿者也会耐心讲解谜面背后的金融常识："就像打篮球要遵守比赛规则，管理自己的零花钱也要了解金 融权益，别人不能随意动用你的财产，这就是受法律保护的财产安全权。"生动形象的比喻让孩子们听得津津有味，也让一旁的家长深受启发。 "看比赛的同时还能学到这么实用的金融知识，这种宣传形式特别好，既不影响观赛体验，又能帮我们提升风险防范意识。"市民陈先生对这 种"赛事+科普"的模式赞不绝口。 2025-2026赛季中国人寿・NYBO青少年篮球公开赛厦门赛区秋季赛 ...

活动伊始，中国消费者协会副秘书长潘海峰发表致辞，强调培育中国特色金融文化、筑牢消费者权益保 护防线是维护金融稳定、赢得群众信任的关键。随后，国家市场监督管理总局相关领导分别围绕金融消 保法规完善、信用监管优化、广告合规治理等内容作政策解读，为行业规范发展指明方向。中国消费者 杂志社总编辑汪挺发布《金融消费调查报告(2025)》及金融消费者权益保护典型案例，为企业消保工作 提供了重要参考。各企业代表结合自身业务实际，就金融消费者教育、人工智能在消保领域的应用、投 诉高效处置等实践经验展开分享探讨，凝聚行业共识。 作为深耕金融科技领域的企业，盈美信科(原国美金融)始终以金融消费者权益保护视为可持续发展的生 命线，将"以消费者为中心"的理念深度融入公司治理与企业文化。公司成立金融消费者权益保护委员 会，系统性地将消保要求嵌入产品研发、营销宣传、客户服务、数据安全等全业务流程，构建起自上而 下、覆盖全公司的消保治理体系。同时，公司连续两年发布《消费者权益保护年度报告》，全面、透明 地向社会公众披露消保治理举措、资源投入及实践成效，主动接受社会监督，2024年用户满意度达 99.21%，投诉处理率100%。 当前，金融 ...

公告明确，自2026年1月30日起，个人客户办理存金通黄金积存业务（包括存金通1号、2号）签约、买 入、定投3类业务时，需在业务申请办理渠道，按该行统一的风险测评问卷进行风险承受能力评估、取 得谨慎型及以上的评估结果，已有前述评估结果且在有效期内的无需重测。对于已签约客户的卖出、提 货，有效期内定投计划的执行和终止，以及解约等操作，不受上述条件的限制。农业银行表示，建议客 户提高风险防范意识，基于自身财务状况和风险承受能力理性办理存金通黄金积存业务。 北京商报讯（记者 孟凡霞 周义力）1月26日，农业银行发布公告，为落实监管要求，进一步保护金融消 费者权益，该行将对个人客户参与存金通黄金积存交易增加风险承受能力测评准入。 ...