近年来，我国加速构建以"保护消费者权益"为核心的"大消保"格局，在此背景下，监管也在不断完善相 关的监管制度框架，如出台《银行保险机构消费者权益保护管理办法》《金融机构产品适当性管理办 法》等。 金融监管总局、央行、证监会将于2025年9月15日至21日联合开展金融教育宣传周活动。时值金融教育 宣传周到来之际，金融消保监管评价新标准正式出炉。 为了更好地对金融机构消保工作作出客观的综合性评价，9月12日，金融监管总局修订发布《金融机构 消费者权益保护监管评价办法》（以下简称《评价办法》），从总则、评价要素与评价方法、评价程 序、评价结果运用、组织保障等方面对消保监管评价工作作出规范。 例如，调整评价范围，将金融租赁公司、养老险公司等纳入评价范围；优化评价要素，将评价要素调整 为"体制机制""适当性管理""营销行为管理""纠纷化解""金融教育""消费者服务""个人信息保护"7项要 素；强化上下协同，加大对基层金融机构消保工作质效的考察，提高一级分支机构评价得分权重等。 01 评价主体范围扩大 从《评价办法》看，监管再一次强调了消保监管评价对象的范围，即在中华人民共和国境内依法设立、 由金融监管总局及其派出机构依 ...

Core Viewpoint - Minsheng Bank Nanjing Branch has launched the "Financial Education Promotion Week" activity starting from September 15, 2023, to enhance financial literacy and risk prevention among consumers, aligning with national financial education initiatives [1] Group 1: Financial Education Initiatives - The bank has developed a special activity plan to organize various promotional activities across all branches, creating a strong atmosphere for financial education [1] - The slogan "Protect Financial Rights, Assist a Better Life" is prominently displayed through various channels including screens, public education areas, and self-service devices [1] - Employees are undergoing consumer protection training to promote honesty, spread positive financial energy, and improve service levels [1] Group 2: Targeted Consumer Education - The bank has introduced various innovative educational tools tailored to different consumer groups, such as brochures specifically designed for the elderly, youth, new citizens, and rural residents [2] - A special project called "Water Rhythm Twelve Cities: Local Dialect Consumer Protection" has been organized, where employees record financial knowledge content in local dialects to make it more relatable [2] - The use of mime performances to illustrate risk scenarios, such as scams targeting vulnerable groups, helps consumers understand risks through visual representation [2] Group 3: Community Engagement and Outreach - The bank emphasizes community engagement by sending staff to local neighborhoods to distribute financial knowledge brochures and provide risk alerts [3] - Activities are conducted in commercial areas to reach a wider audience, including distributing anti-fraud materials and setting up "Consumer Protection Micro-Class" stations [3] - The bank focuses on five key demographic groups, conducting targeted educational activities in locations such as nursing homes, schools, and rural areas [3] Group 4: Commitment to Consumer Protection - Minsheng Bank Nanjing Branch is committed to protecting consumer rights and enhancing the financial experience for consumers, aiming to build a trustworthy and secure financial ecosystem [4]

Core Points - The Financial Regulatory Bureau has released a revised "Regulatory Evaluation Method for Consumer Rights Protection in Financial Institutions" aimed at enhancing consumer rights protection in the financial sector [1][4][5] Group 1: Key Revisions - The evaluation scope has been adjusted to include financial institutions legally established in China and regulated by the Financial Regulatory Bureau, such as financial leasing companies and pension insurance companies [4] - The evaluation factors have been optimized to include seven elements: "system mechanism," "suitability management," "marketing behavior management," "dispute resolution," "financial education," "consumer services," and "personal information protection," guiding financial institutions to strengthen governance in key consumer protection areas [4] - The evaluation process has been refined into stages: information collection, initial evaluation, re-evaluation, and review, with clear requirements for each stage to ensure rigor and seriousness in the evaluation work [4] Group 2: Implementation and Impact - The revised method emphasizes collaboration across different regulatory levels, enhancing the assessment of grassroots financial institutions' consumer protection efforts and increasing the weight of evaluation scores for primary branches [4] - The results of the evaluations will be utilized to implement differentiated regulatory measures, providing positive incentives for well-performing institutions and corresponding regulatory actions for those with poor evaluations [4][5] - The implementation of the revised evaluation method is expected to improve the behavior regulatory system, guiding financial institutions to integrate consumer rights protection into all business operations, ultimately enhancing consumer satisfaction and experience [5]

Core Viewpoint - The revised "Regulatory Evaluation Measures for Consumer Rights Protection in Financial Institutions" aims to enhance consumer rights protection in the financial sector, aligning with the central government's directives to prioritize consumer interests [1][2]. Group 1: Evaluation Scope and Elements - The evaluation scope has been adjusted to include financial institutions legally established in China and regulated by the financial supervisory authority, now encompassing financial leasing companies and pension insurance companies [1]. - The evaluation elements have been optimized to include seven key factors: "system mechanism," "suitability management," "marketing behavior management," "dispute resolution," "financial education," "consumer services," and "personal information protection," guiding institutions to focus on critical areas of consumer protection [1][2]. Group 2: Evaluation Process and Coordination - The evaluation process has been refined into distinct phases: information collection, initial evaluation, re-evaluation, and review, with clear requirements for each phase to ensure rigor and seriousness in the evaluation work [2]. - The regulatory authority will enhance collaboration across different levels, increasing the evaluation score weight for primary branch institutions and allowing adjustments to evaluation indicators based on the characteristics of local financial institutions [2]. Group 3: Result Utilization - The revised measures stipulate that the regulatory authority should implement differentiated regulatory measures based on evaluation results, providing positive incentives for well-performing institutions and appropriate regulatory actions for those with poor evaluations [2].

Core Points - The National Financial Supervision Administration has revised and issued the "Regulatory Evaluation Method for Consumer Rights Protection in Financial Institutions" [2] - The revised method includes financial leasing companies and pension insurance companies in the evaluation scope [3] - The evaluation elements have been adjusted to seven categories, including "system mechanism," "suitability management," "marketing behavior management," "dispute resolution," "financial education," "consumer services," and "personal information protection" [3] Summary by Sections Evaluation Scope - The evaluation now explicitly includes financial leasing companies and pension insurance companies, which are regulated by the Financial Supervision Administration [3] Evaluation Elements - The evaluation elements have been optimized to seven categories, guiding financial institutions to strengthen governance in key areas of consumer protection [3] Evaluation Procedures - The evaluation process has been refined into stages such as information collection, initial evaluation, re-evaluation, and review, with clear requirements for each stage [3] Coordination and Collaboration - The method emphasizes the importance of collaboration across different levels of financial institutions, enhancing the evaluation score weight for primary branches [3] Utilization of Results - The Financial Supervision Administration will implement differentiated regulatory measures based on evaluation results, providing incentives for well-performing institutions and regulatory actions for those with poor evaluations [4] Financial Education Initiatives - A financial education campaign is set to take place from September 15 to 21, 2025, aimed at promoting financial knowledge and protecting consumer rights [6] - The timing of the revised evaluation method aligns with the upcoming financial education week, reinforcing the responsibility of financial institutions in consumer protection [6]

《评价办法》共六章三十一条，包括总则、评价要素与评价方法、评价程序、评价结果运用、组织保障 和附则。主要修订内容如下： 一是调整评价范围。明确评价对象为"在中华人民共和国境内依法设立、由金融监管总局及其派出机构 依法监管的向消费者提供金融产品和服务的金融机构"，将金融租赁公司、养老保险公司等纳入评价范 围。 二是优化评价要素。将评价要素调整为"体制机制""适当性管理""营销行为管理""纠纷化解""金融教 育""消费者服务""个人信息保护"7项要素，引导金融机构加强消保重点领域治理。 三是完善评价程序。将评价实施环节进一步细分为信息收集、初评、复评、审核等，并明确各环节工作 要求，强调复评、审核工作应当通过集体研究形式开展，体现评价工作的严谨性和严肃性。 四是强化上下协同。充分发挥"四级垂管"优势，加大对基层金融机构消保工作质效的考察，提高一级分 支机构评价得分权重。金融监管总局各级派出机构可按照总局制定的年度消保监管评价方案，根据辖内 金融机构类型、业务模式和规模、客户受众面等情况合理调整评价指标。 《金融机构消费者权益保护监管评价办法》修订发布 中新网9月12日电 据国家金融监督管理总局官方微信消息，为深入 ...

Core Viewpoint - The recent revision of the "Regulatory Evaluation Method for Consumer Rights Protection in Financial Institutions" aims to enhance the regulatory framework for consumer rights protection in the financial sector, ensuring better service and satisfaction for consumers [1] Group 1: Key Changes in the Evaluation Method - The evaluation scope has been adjusted to encompass a broader range of financial institutions [1] - The evaluation elements have been optimized to better reflect the needs of consumers [1] - The evaluation procedures have been improved for greater efficiency and clarity [1] Group 2: Implementation and Impact - The revision emphasizes strengthened collaboration between different regulatory levels [1] - The application of evaluation results has been deepened to ensure that consumer rights protection is integrated into all business operations [1] - The overall goal is to provide more convenient and warmer financial services to the public, enhancing consumer satisfaction and sense of gain [1]

国家金融监督管理总局将于2025年9月15日至21日开展"金融教育宣传周"活动，聚焦群众切身利益，强 化金融消费者权益保护。平安人寿山东分公司积极响应号召，以"保障金融权益，助力美好生活"为主 题，全面启动"风险提示送上门"暨金融知识"五进入"专项行动，通过高管引领、全域覆盖、协同联动的 立体化教育宣传，切实履行企业社会责任，传递金融为民温度。 高管引领 "两全"织网 活动期间，公司创新推出"包你平安"等一系列宣传物料，联合行业协会和齐鲁频道法治节目拍摄防范非 法金融中介宣传视频，同步结合线上化宣传手段，构建"线下活动+线上传播"立体化宣传矩阵，推动金 融知识进万家。 聚焦重点协同守护 围绕群众切身利益，针对重点人群和重点内容，联合监管、媒体、平安集团其他子公司等力量，组织开 展金融知识普及和风险提示，帮助金融消费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；开展纠纷化解、暖心服务等系列为民办实事典型案例宣传，为群 众树立金融消费信心，消除群众与金融机构的距离感。 金融素养全域提升 公司领导班子率先垂范，启动"高管讲消保"行动，通过主题宣讲、总经理接待日等活动，将消费者 ...

Core Points - The right to seek compensation is one of the eight rights of financial consumers, allowing them to request compensation for damages not caused by their own fault [1] - The Shandong branch of Ping An Life has established a comprehensive complaint handling process, including a customer voice management system to ensure transparency and compliance [1] - Consumers have the right to report any violations by the company to financial regulatory authorities, which will intervene as necessary [1] Group 1 - Some financial consumers are opting to use illegal financial intermediaries to process policy cancellations, which can lead to unfair contracts and hinder legitimate complaint channels [1] - These illegal intermediaries often mislead consumers through social media and false claims about favorable policies for consumers [1] - In 2022, seven departments issued a notice to warn consumers about the risks of illegal agency rights protection in the financial sector [2] Group 2 - Ping An Life encourages consumers to resolve issues through official channels to avoid being misled by illegal intermediaries [2] - The company is committed to providing professional and efficient complaint handling services and calls for collective action against illegal financial intermediary practices [2] - If an agreement cannot be reached, consumers can seek mediation through financial dispute resolution organizations or arbitration [2]

Core Viewpoint - The company is proactively enhancing consumer protection in the insurance sector by implementing a comprehensive consumer suitability management system in response to new regulatory frameworks [1][2] Group 1: Regulatory Framework and Implementation - The implementation of the "Insurance Sales Behavior Management Measures" by the National Financial Supervision Administration in March 2024 marks a significant step in consumer rights protection [1] - The upcoming "Financial Institutions Product Suitability Management Measures" set to be introduced in July 2025 indicates a deeper development phase for consumer rights protection [1] Group 2: Core Initiatives - The company is focusing on three core initiatives: establishing a scientific product grading management system based on product complexity, premium burden, and policy risk [1] - A "Insurance Demand Analysis Questionnaire" is being introduced at the underwriting stage to assess clients' insurance needs, risk tolerance, and premium burden [1] - The company is developing a sales capability qualification grading management system to ensure differentiated authorization for sales products, enhancing the quality of sales services [1] Group 3: Quality Assurance Mechanisms - The company has implemented a three-tier verification mechanism consisting of "dual recording quality inspection + follow-up verification + complaint tracing" to ensure the suitability principle is integrated into every business process [2] - Future efforts will focus on deepening the standard system construction to provide higher quality services that protect consumer rights [2]