Core Viewpoint - Bohai Bank emphasizes its commitment to consumer protection and financial education, achieving significant outreach and recognition in 2025 through innovative practices and a comprehensive consumer protection culture [1][4][12]. Group 1: Consumer Protection Initiatives - In 2025, Bohai Bank reached 1.23 billion people through financial education, achieving a 100% complaint resolution rate and a 100% mediation execution rate, showcasing its dedication to consumer rights [1][12]. - The bank established a complete consumer protection culture system, including the issuance of guidelines and extensive training, with over 1,100 training sessions and participation from more than 130,000 employees [3][12]. - Bohai Bank's proactive complaint handling resulted in a 100% resolution rate within 15 days, with 1.93 million calls received through customer service channels [13][12]. Group 2: Financial Education and Outreach - The bank implemented a "Consumer Protection+" theme education campaign, integrating financial education into various community activities, including partnerships with local organizations [4][12]. - Bohai Bank developed engaging educational content, such as animated videos and social media materials, to enhance consumer understanding of financial risks [4][12]. - The bank's outreach included targeted programs for vulnerable groups, such as the elderly and youth, to educate them on financial safety and fraud prevention [12][4]. Group 3: Process and Compliance Management - Bohai Bank adopted a "Three Appropriateness" principle to ensure that financial products are suitable for the right customers through comprehensive risk management [17][18]. - The bank established a robust consumer protection review system, ensuring that all products undergo thorough scrutiny before launch, achieving a 100% coverage rate for consumer protection reviews [17][18]. - Various branches implemented localized strategies to enhance compliance and consumer protection, such as pre-sale product screening and tailored services based on customer profiles [18][17].

Core Viewpoint - H World Group's member club, Huazhu Club, has been criticized by the Beijing Consumer Association for clauses that allegedly infringe on consumer rights, indicating a decline in consumer reputation and increasing complaints against the company [2][15][18]. Group 1: Consumer Complaints - H World Group has received over 10,000 complaints on the Black Cat Complaints platform, highlighting significant issues with various hotel brands under its management [16]. - A consumer reported finding a used pregnancy test in the toothbrush holder at a mid-range hotel, raising serious hygiene concerns and indicating major lapses in cleaning protocols [6][8]. - Another consumer experienced a showerhead falling and injuring her head at a budget hotel, with the hotel staff refusing to assist her in seeking medical attention or providing compensation [12][14]. Group 2: Regulatory Actions - The Beijing Consumer Association has formally addressed H World Group regarding unfair terms in the Huazhu Club's membership agreement, which limits consumer rights and requires arbitration in Shanghai, thus infringing on legal rights to sue in court [18]. - The association has mandated H World Group to rectify these unfair terms, conduct a comprehensive review of existing agreements, and establish a consumer rights communication mechanism [18]. Group 3: Brand Integrity and Management - H World Group's founder, Ji Qi, previously emphasized the importance of maintaining "good brand, good property, good quality," yet current consumer feedback suggests that several hotel brands are failing to meet these standards [4][20]. - The company is urged to balance its expansion with a focus on quality and service to protect consumer rights effectively [20].

1.费用透明：所有项目需明码标价、事先告知。《中华人民共和国消费者权益保护法》第八条赋予消费者知情权。商家在消费者下单确认前，应将全部费 用构成清晰、无歧义地告知消费者，包括：所有菜品的单价与规格、服务费、包间使用费、燃料附加费等任何可能产生的费用，并得到消费者的确认。 2.安排合理：特殊安排需合理有度、协商一致。《中华人民共和国民法典》第五百八十六条对定金作出限制性规定。商家出于合理经营需要进行的特殊安 排，如收取合理定金等，安排本身具备合理性，定金金额不超过订单总价的20%，且应在预订时明确告知，具备可协商性。 春节临近，年夜饭预订也迎来高峰期。攀枝花市保护消费者权益委员会联合重庆市大渡口区、綦江区、长寿区消费者权益保护委员会发布消费提示，帮助 广大消费者安心订、舒心吃，享受新春团圆的美好时光！ 认准订单"三点"，确保合同条款合法有效 ● ● 维权"四步走"，依法解决消费争议 3.条款公平：合同内容须公平诚信、权责对等。《中华人民共和国消费者权益保护法》第二十六条明确规定，经营者不得以格式条款等方式，作出排除或 者限制消费者权利、减轻或者免除经营者责任的不公平、不合理规定。 ● ● 把握"关键三步"，从源 ...

Core Viewpoint - Beijing Consumer Association has raised concerns regarding unfair terms in the membership service agreement of Huazhu Club, leading to a requirement for the company to rectify these issues to protect consumer rights [1][2][3]. Group 1: Consumer Rights Issues - The membership agreement of Huazhu Club includes a clause that limits dispute resolution to arbitration at the Shanghai Arbitration Commission, which restricts consumers' rights to file lawsuits in court [2]. - This clause is seen as an unreasonable limitation on consumer rights, violating the Consumer Rights Protection Law, which prohibits using standard terms to unfairly limit consumer rights or increase their responsibilities [2][3]. Group 2: Rectification Requirements - The Beijing Consumer Association has mandated Huazhu Club to immediately amend the arbitration clause within 10 working days and ensure that consumers retain the right to choose between litigation and arbitration [2]. - The company is also required to conduct a comprehensive review of all consumer-facing agreements to ensure compliance with legal standards and eliminate any unreasonable terms that restrict consumer rights [2][3]. Group 3: Communication and Compliance - The association recommends that Huazhu Club establish a communication mechanism with consumers to regularly gather feedback and involve them in the formulation or modification of rules affecting their rights [3]. - The Consumer Association will monitor the implementation of these rectification measures and may take further actions if the company fails to comply, including public criticism and potential legal actions [3]. Group 4: Market Performance - Huazhu Group's stock closed at $53.20 on February 11, with a gain of 2.45% [4].

Core Viewpoint - The Beijing Municipal Market Supervision Administration has organized an administrative interview with 12 major platforms involved in online train ticket sales to address significant issues raised by the public regarding these services [1][2]. Group 1: Compliance Requirements - The administration has outlined four compliance requirements for the platforms: 1. Strictly implement principal and social responsibilities, promoting a correct business philosophy to facilitate travel for passengers [2]. 2. Conduct a comprehensive review of business models and service processes, prohibiting misleading promotions related to paid services for priority ticket purchasing, and rectify misleading advertisements such as "accelerated packages" and "dual channels" after tickets are sold out [2]. 3. Review and rectify platform pages to remove misleading promotional products, adjust promotional content, and prohibit the use of 12306 images, text, and trademarks that may mislead consumers into thinking there is a specific business cooperation with 12306 [2]. 4. Ensure clear pricing, prominently remind consumers of the content and prices of value-added services, and rectify issues where the displayed ticket prices do not match the actual payment due to unclear value-added service prompts [2]. Group 2: Regulatory Actions - The Beijing Municipal Market Supervision Administration will intensify regulatory enforcement, legally cracking down on fraudulent ticket purchasing, inducement transactions, and price fraud [2]. - The administration encourages the public to enhance supervision of third-party online train ticket sales platforms to promote the healthy development of the industry and maintain fair market competition [2].

2025年2月，消费者在中能教育机构报名自考本科，支付350元后被诱导签署了未收到的电子合同，并在 不知情的情况下办理了9期消费金融分期贷款。但机构服务与宣传严重不符：课程仅为少量简陋录播 课，考前资料无效，"一对一班主任"形同虚设。消费者申请退费，遭对方冷处理。售后人员提出扣除违 约金及课程费共4000元，称"课程开通即扣费"，最终仅愿退 1500多元。消费者认为对方存在扣费不 明、隐瞒办理贷款、虚假宣传及"霸王条款"等问题。据了解，中能教育在全国消协智慧315平台有25件 投诉，经营者和解成功率、和解执行率、和解满意率均为0，被全国消协智慧315平台列入"黑榜"。 消费者因学历提升需求，线上向武汉中清教育科技有限公司支付费用6980元并签订合同。后续消费者仅 通过指定APP学习1天，该公司便以"次日为报考日"为由暂停课程，导致消费者无法正常听课。消费者 多次要求全额退款，对方始终推诿。因协商无果，消费者进行了投诉。据了解，中清教育在全国消协智 慧315平台有26件投诉，和解执行率、调解成功率、和解满意率、经营者和解成功率均为0，被全国消协 智慧315平台列入"黑榜"。 消费者投诉 【下载黑猫投诉客户端】称 ...

责任编辑：小讯 2月11日，针对北京市消费者协会就会员服务协议涉嫌不公平格式条款开展的约谈，华住会正式回应表 示，高度重视并诚恳接受北京市消费者协会的监督指导。目前，公司已第一时间启动对相关用户协议的 全面自查与整改，并尽快调整仲裁管辖相关规定，落实消协整改要求。 华住会强调，保障消费者合法权益始终是首要原则。此外华住承诺，未来将优化健全用户意见征集机 制，定期公布会员权益保障情况，进一步优化消费环境。 根据北京市消费者协会2月11日下午发布的消息，针对华住会会员服务协议中涉嫌存在不公平格式条款 的问题，依据《中华人民共和国消费者权益保护法实施条例》第四十条"消费者协会可以就消费者投诉 的损害消费者合法权益的行为开展调查，与有关经营者核实情况，约请有关经营者到场陈述事实意见、 提供证据资料等"规定，按照中国消费者协会《消协组织消费维权约谈经营者办法（试行）》，北京市 消费者协会（以下简称"北京市消协"）对其运营方——汉庭星空（上海）酒店管理有限公司进行约谈， 明确指出该公司相关条款中涉嫌存在排除、限制消费者主要权利的情况，损害消费者的合法权益，并要 求其进行全面自查和限期整改。 北京市消协调查发现，华住会20 ...

Group 1 - The hotel industry is experiencing a surge in prices due to the high demand during the Spring Festival, prompting regulatory scrutiny [1][5] - Huazhu Group's membership program, Huazhu Club, is under investigation for unfair terms in its service agreement, which allegedly restrict consumer rights [2][3] - The Beijing Consumer Association has mandated Huazhu Club to rectify its unfair arbitration clause and conduct a comprehensive review of all consumer-facing agreements [3] Group 2 - As of Q3 2025, Huazhu Group reported a hotel revenue of 30.6 billion yuan, a year-on-year increase of 17.5%, with adjusted net profit rising by 10.8% to 1.52 billion yuan [4] - The total number of hotels operated by Huazhu Group exceeded 12,700 globally, marking a 17.1% year-on-year growth [4] - The hotel price surge has led to public outcry, with reports of significant price hikes during the Spring Festival, such as a hotel room priced at 4,200 yuan per night compared to a regular price of around 900 yuan [6]

Core Viewpoint - The Beijing Consumers Association has raised concerns about unfair terms in the membership service agreement of Huazhu Club, urging the company to conduct a comprehensive self-examination and rectify the issues within a specified timeframe [1][5]. Group 1: Membership Growth and Service Issues - As of the end of Q3 2025, Huazhu Club's membership has grown by 17.3% year-on-year, surpassing 300 million members, making it the largest globally [4]. - The number of nights booked by members increased by 19.7% year-on-year, exceeding 66 million nights, which accounts for 74% of the total bookings [4]. - The Consumers Association found that a specific clause in the membership agreement restricts consumers' rights to legal recourse, potentially infringing on their legal rights [4]. Group 2: Regulatory Demands and Compliance - The Beijing Consumers Association has demanded that Huazhu Club delete or modify the arbitration clause within 10 working days, ensuring that consumers retain the right to choose litigation or arbitration for dispute resolution [6]. - The association has called for a systematic review of all consumer-facing contracts and agreements to ensure compliance with relevant laws and regulations [6]. - Recommendations include establishing regular communication channels with consumers and soliciting feedback before making changes to consumer-related rules [5][6]. Group 3: Company Response and Commitment - Huazhu Group has acknowledged the concerns raised by the Consumers Association and has committed to a thorough review and adjustment of the relevant user agreements [7][8]. - The company has pledged to enhance its mechanism for collecting user feedback and to regularly publish information regarding member rights protection [9].

Core Viewpoint - Huazhu Group is facing scrutiny from the Beijing Consumer Association regarding unfair terms in its membership service agreement, which may infringe on consumer rights [2][4]. Group 1: Regulatory Actions - The Beijing Consumer Association has conducted an investigation and found that the terms of the Huazhu membership plan, effective from July 18, 2025, contain clauses that unreasonably limit consumer rights [4]. - The specific clause in question mandates that disputes must be submitted to the Shanghai Arbitration Commission, thereby restricting consumers' rights to file lawsuits in court as per the Civil Procedure Law of the People's Republic of China [4]. Group 2: Consumer Rights Advocacy - The Beijing Consumer Association urges Huazhu to recognize the issues and take corrective actions to integrate respect for consumer rights into its business practices, promoting a healthy and orderly development of the accommodation service industry [8]. - The association will monitor Huazhu's compliance with the required rectifications and may take further actions if the company fails to meet the deadlines, including public criticism and potential legal actions [8]. Group 3: Company Overview - As of September 30, 2025, Huazhu Group operates over 12,000 hotels across more than 1,500 cities, encompassing over 30 brands, including Qianxi, Hanting, and Orange [8].