证券时报记者 吴瞬 "3·15国际消费者权益日"前夕，证券时报推出资本市场投教"星火计划"系列活动之"3·15消费金融满意度 调查"，旨在深入了解金融消费者在消费金融领域的切实体验，为行业的健康发展提供数据支撑和方向 指引。调查结果显示，金融消费领域仍有较大的改进空间，需进一步优化服务质量和消费者体验。 在回答对消费金融服务的整体满意度方面，采用1—5分的打分机制，其中5分为"非常满意"。调查结果 显示，金融消费者对产品透明度、利率合理性和投诉处理效率这三个关键指标几乎都给出了"差评"。 具体数据显示，这三项平均分均未达到50%分位，也就是2.5分。产品透明度得分仅为2.27分，这意味着 消费者在面对消费金融产品时，难以清晰、全面地了解产品的各项细节与潜在风险；投诉处理效率得分 2.24分，表明当消费者遇到问题寻求解决时，所花费的时间与精力并未得到高效的回应；而利率合理性 更是低至2.14分，这直观反映出消费者对于当前消费金融产品利率水平的质疑与不满。 在广受关注的消费金融产品利率方面，调查数据揭示了较为复杂的分布格局。数据显示，约42.86%的 产品利率低于12%，为部分消费者提供了相对合理的借贷成本；然而 ...

Core Viewpoint - The National Financial Supervisory Administration has issued a notice requiring financial institutions to develop consumer finance to boost consumption, aiming to better meet the financial needs in the consumption sector and enhance public satisfaction [1][4]. Group 1: Background of the Notice - The notice was issued to implement the spirit of the Central Economic Work Conference and the requirements of the Central Committee and the State Council regarding special actions to boost consumption [4]. Group 2: Overall Considerations for Financial Support - The National Financial Supervisory Administration proposes specific measures to optimize consumer finance policies, focusing on enriching financial products, facilitating financial services, and creating a favorable consumption environment [5]. - The measures include balancing supply and demand, providing appropriate discounts for long-term and large consumption needs, and encouraging banks to negotiate repayment methods for borrowers facing temporary difficulties [5]. Group 3: Main Content of Financial Support - Financial institutions are required to increase the supply of consumer finance, focusing on expanding goods consumption, developing service consumption, and nurturing new types of consumption [6][7]. - There is an emphasis on customizing financial products for new consumption scenarios such as digital, green, and intelligent consumption, enhancing the adaptability and convenience of consumer finance services [7]. - Financial institutions are encouraged to increase personal consumption loan issuance while ensuring risk control, optimizing loan limits, terms, and interest rates [7]. - Support measures for borrowers facing difficulties include negotiating repayment terms and providing renewal support for eligible borrowers [7]. - The notice also calls for standardizing consumer loan contracts, improving consumer protection services, and enhancing payment convenience for various demographic groups [7].