优步（UBER）面临经修订的美国联邦贸易委员会（FTC）诉状，多个州加入指控其Uber One订阅服务 存在误导性注册、试用期结束前即扣费以及繁琐的取消流程，要求处以民事罚款并下达禁令救济。 责任编辑：张俊 SF065 优步（UBER）面临经修订的美国联邦贸易委员会（FTC）诉状，多个州加入指控其Uber One订阅服务 存在误导性注册、试用期结束前即扣费以及繁琐的取消流程，要求处以民事罚款并下达禁令救济。 责任编辑：张俊 SF065 ...

秉持"马上就办、真抓实干"理念，兴业银行信用卡中心早在2023年就开始探索以科技手段实现远程身份 识别，将实时算法比对、人脸识别、视频通话等数智技术嵌入消保投诉处理流程，辅助投诉处理人员识 别疑似"黑灰产"特征。截至今年10月末，兴业银行信用卡中心累计完成超8万次比对，为遏制金融领 域"黑灰产"蔓延贡献力量。 兴业银行信用卡中心积极协同外部力量推进非法中介乱象治理工作。自2023年起，与相关部门、同业机 构等共同开展"非法代理投诉"专项打击活动，齐心协力维护金融消费生态的清朗环境。 如今，信用卡已成为人们日常消费生活的重要工具。兴业银行信用卡中心坚持以人民为中心，将消费者 权益保护融入信用卡业务发展全流程，畅通客户反馈渠道、推动消费者权益保护数智转型、打造多元金 融教育体系，全力谱写消费者权益保护工作新篇章。 倾听消费者诉求，解决消费者急难愁盼问题 兴业银行信用卡中心把倾听客户诉求和解决群众问题作为践行金融为民理念的重要举措，高效解决消费 者急难愁盼问题。 "浦江经验"和新时代"枫桥经验"，是兴业银行信用卡中心推进基层治理、化解一线矛盾的两大"法宝"。 一方面，积极借鉴"浦江经验"，由负责人带头接访接诉，倾听 ...

据了解，此次消费教育进农村活动目前正在全市12个县市区同步开展，旨在通过内容丰富、形式多样的宣传互动活动，解决农村消费中的实际问题，提升消 费者维权意识与能力，织密消费安全网，护航乡村振兴。 市消保委相关负责人表示，农村既是消费维权的重要阵地，也是建设放心消费环境的关键环节。开展消费教育进农村活动，就是要打通消费教育和维权服务 的最后一公里。下一步，市消保委将继续探索常态化、长效化的农村消费教育机制，持续巩固和扩大活动成果，让广大农村消费者能消费、敢消费、愿消 费。 来源：指尖新闻 作者：彭一鑫 为进一步提升农村消费者权益保护水平，助力乡村振兴及放心消费环境建设。12月11日，常德市消费者权益保护委员会联合桃源县市场监督管理局、桃源县 消费者权益保护委员会及茶庵铺镇镇政府，在桃源县茶庵铺镇开展"护航乡村振兴 共筑满意消费"消费教育进农村活动。 活动现场 茶庵铺镇的乡村集市上，消保委工作人员设立了咨询、科普、识假辨假等专区。咨询台前围满了前来咨询的村民，在科普专区，村民们不时翻阅《科学消费 做智慧少年》《农资选购、使用及维权指引》等宣传资料。"以前买种子化肥主要看价格和听熟人介绍，现在知道要看包装、查标识、留凭 ...

各方应携手保障广大旅客的合法权益，提升民航业的公信力与竞争力，让每一位旅客都能享受到公平、 便捷、舒适的服务，提升旅客获得感、安全感、幸福感。(本文来源：经济日报 作者：崔国强) 公平交易是市场经济的基本原则。消费者享有知悉服务真实情况的权利，航空公司未公开"锁座"范围、 比例及收费标准，侵害了消费者知情权；同时，航空公司锁定座位，迫使消费者额外付费才能获得较为 舒适的座位，变相提高了票价，侵害了消费者的选择权和公平交易权。 当前，航空市场竞争压力大，航空公司增收愿望迫切，但决不能以损害消费者权益为代价。航空公司应 当摒弃"以锁促付"的短视经营模式，开展全面自查整改，限定锁座范围。规范选座服务规则，制定清晰 透明的收费标准，在购票页面等显著位置公示锁座情况、免费座位分布图及付费选座细则，通过短信、 弹窗等方式主动告知消费者，保障消费者选择权。 行业监管部门、消费者协会也应积极保护旅客的合法权益，营造公平的市场环境。今年5月，中国民航 局在全行业启动"民航服务提振消费年"主题活动，其中提到"以解决问题为牵引，不断增强服务管理能 力"。制止飞机"锁座"侵权行为，应当成为民航业不断提高服务质量、帮助旅客排忧解难的实 ...

弘康人寿高度重视消费者权益保护工作，将消保工作转化为推动高质量发展的内生动力，转化为满足人 民群众对美好生活向往的坚实支撑。 2025年，弘康人寿持续构建自上而下的全链条消保责任体系，压实工作责任，落实从公司消保工作战 略、政策及重大事项，到消保工作资源配置、层层把关，推进消保工作全面落地生根，融入公司治理与 业务发展的全过程，形成"人人有责、层层尽责"的消保文化。 从消保制度文化建设到消费者权益维护的具体落实，构建高效维权渠道是保护消费者权益的核心环节。 为此，弘康人寿通过全渠道覆盖、标准化流程及多元化体系的建设，畅通投诉渠道，设立电话、官网、 官微、来访及监管转办等多途径便捷入口，保证消费者声音被充分倾听、诉求得到及时响应。在争议解 决方面，弘康人寿采用多元化机制，实现争议高效响应与解决，切实维护消费者合法权益。此外，高度 重视客户投诉，对问题进行溯源整改，推动产品、服务、流程优化，形成"投诉受理—落实整改—优化 提升"的良性循环，持续提升服务品质。公司设立"消保基金"，强化资金保障，为公司履行消费者权益 保护责任提供坚实后盾，2025年一季度到三季度监管转办投诉量下降50%，投诉综合治理工作取得明显 成 ...

Core Viewpoint - The article emphasizes the importance of enhancing quality and efficiency in economic governance for the upcoming year, focusing on proactive fiscal and monetary policies to stimulate domestic demand and improve macroeconomic management [2][3]. Group 1: Economic Governance Strategy - The Central Political Bureau outlined eight key principles for economic governance in 2026, including prioritizing domestic demand, innovation, reform, and maintaining social stability [2]. - The shift from "promoting stability through progress" to "enhancing quality and efficiency" indicates a more dynamic and effective approach to policy-making, emphasizing the interaction between policy and market trends [2][3]. Group 2: Domestic Demand and Consumption - The core issue facing the Chinese economy is insufficient effective demand, particularly in consumer spending, which requires systemic reforms to broaden consumption capacity [3][4]. - Enhancing consumer purchasing power is essential for increasing consumption rates, necessitating reforms in income distribution and social welfare systems [4]. Group 3: Consumer Protection and Market Transparency - There is a pressing need to improve consumer rights protection laws and policies to foster a more consumer-friendly market environment [4][5]. - The introduction of collective litigation and clearer consumer rights is advocated to reduce information asymmetry in the market, thereby enhancing pricing power and risk management capabilities [5].

根据中国银行业协会发布的报告，2024年，消费金融公司累计为8543万人次的县域客户提供了金融服 务。当消费金融的服务触角延伸至县域乡村的千家万户，数千万人次的县域客户通过这类服务获得金融 支持，消费金融行业更应思考，在追求业务增长的同时如何合规发展，守住"金融为民"的初心？ 把好第三方准入与管控关 "合规环境趋严，合规事项已深入贯穿业务全流程。消费金融公司既需要关注风控、贷后等重点合规领 域，也需要对征信类、数据安全类、同业合作类新型合规保持重点关注，从源头健全合规机制。"素喜 智研高级研究员苏筱芮表示。 筑牢"金融为民"底线 据业内人士介绍，第三方管理的漏洞往往会传导至消费者权益保护的环节。贷款调查走过场，就可能出 现过度授信、冒名贷款；消保机制不健全，借款人的知情权、公平交易权就容易打折扣。这些问题不仅 损害群众利益，更会影响行业的整体发展。 "十五五"规划建议提出"大力提振消费"，特别强调"强化消费者权益保护"。从监管导向来看，消费者权 益保护已变为"硬约束"。2024年底发布的《消费金融公司监管评级办法》新增"消费者权益保护"评级要 素，将消保工作成效与机构监管评级挂钩。 当下，打开任意一家持牌消费 ...

Core Viewpoint - The requirement for consumers to register as members to use restrooms in commercial areas raises concerns about convenience and consumer rights, highlighting a growing trend of "toilet exploration" notes on social media that reflect consumer experiences and frustrations [2][18][29] Group 1: Membership Registration Process - The restroom access at WYSH Feiyue Li requires consumers to complete a four-step process involving scanning a QR code, registering as a member, and using a member card to unlock the door [3][19] - Consumers face difficulties with the registration process, including failed verification codes and lengthy user agreements that require personal data submission [6][23] - Many consumers, including those interviewed, only registered to use the restroom, indicating a lack of understanding of the necessity for membership [9][25] Group 2: Consumer Rights and Legal Concerns - The practice of requiring personal information for restroom access has been deemed unreasonable and potentially illegal, violating consumer rights and privacy laws [29][30] - Industry experts suggest that there are more humane ways to manage restroom access without infringing on consumer privacy, such as providing temporary access codes or physical tokens [30][31] - The rationale provided by property management for the membership requirement is to "statistically track" restroom usage, which has been criticized as an inadequate justification for data collection [28][29]

Core Viewpoint - The phenomenon of airlines "locking seats" is a controversial practice that appears to segment service levels but is essentially a method to increase revenue at the expense of passenger rights [1][4]. Group 1: Revenue Generation Tactics - Airlines are locking seats in the economy class, particularly those near the front or by emergency exits, requiring passengers to either redeem miles or pay fees to unlock these seats, which has become a significant pain point in the industry [1][4]. - One airline categorizes locked seats into three tiers: preferred seats (2000 points), first-choice seats (1600 points), and standard seats (1000 points), with additional fees of 400 yuan, 320 yuan, and 200 yuan respectively for unlocking these seats [1][4]. Group 2: Consumer Rights Violations - The practice of charging for seat selection infringes on multiple consumer rights, including the right to be informed about the true nature of the services purchased, as airlines do not clearly indicate which seats require additional fees or the basis for these fees [1][5]. - According to the Consumer Rights Protection Law, consumers have the right to choose products or services freely, and the airlines' practice of linking seat selection to additional fees restricts this freedom [2][5]. Group 3: Fair Trading Principles - The airlines' pricing strategy lacks a basis in actual service provided, as the economy class service remains the same regardless of seat selection, thus violating the principle of fair trading [2][5]. - The shift from a "first-come, first-served" model to a "pay-to-select" model exploits the airlines' market position, turning a previously free service into a revenue-generating mechanism, which increases the financial burden on consumers [2][5]. Group 4: Regulatory Concerns - The "pay-for-seat" practice may also violate pricing laws that require clear pricing and prohibit additional charges beyond the listed price [3][6]. - There is a call for coordinated action from relevant parties to compel airlines to enhance service levels and restore passenger rights, with a push for regulations to prevent the normalization of such practices in the industry [3][6].

Core Viewpoint - The 20th Central Committee of the Communist Party of China emphasizes the importance of economic construction and expanding domestic demand, positioning the consumer finance industry as a key driver for stimulating consumption and supporting economic growth [1] Group 1: Industry Development - By the end of 2024, the consumer finance industry is projected to reach an asset scale of 1.384859 trillion yuan, providing inclusive financial services to 85.43 million rural customers, thus becoming a significant "financial engine" in the strategy to expand domestic demand [1] - The industry is undergoing profound changes driven by policy guidance, technological innovation, and demand upgrades, while also facing severe challenges that require solutions during its transformation [2] Group 2: Trends in Consumer Finance - The consumer finance industry is exhibiting three major trends: 1. Policy restructuring that shifts the industry focus from "high-speed growth" to "high-quality development" [2] 2. Technological integration that enhances service innovation, breaking traditional boundaries and providing accessible credit support to underserved markets [2] 3. Demand upgrades leading to structural optimization, with consumer spending shifting towards education, healthcare, and new consumption areas, thus raising expectations for inclusivity and quality in consumer finance [2] Group 3: Challenges in Transformation - The industry faces several challenges during its critical transformation phase, including: 1. The need for clearer boundaries and compliance in business operations, as some platforms may overstep their financial roles [3] 2. The necessity to enhance the collaborative efficiency between banks and enterprises, as traditional models may hinder banks' risk control capabilities [3] 3. The requirement for improved consumer rights protection, as financial literacy among certain consumer groups remains low, leading to potential borrowing risks [3] Group 4: Strategic Directions for Development - To promote the long-term healthy development of consumer finance, the industry must adhere to licensed operations, build a new ecosystem of bank-enterprise collaboration, and strengthen consumer rights protection, focusing on inclusivity, digitalization, and quality [4] - The establishment of a comprehensive protection system for consumer rights is essential, which includes enhancing financial literacy, optimizing risk warning mechanisms, and ensuring careful design of operational processes [7] Group 5: Future Outlook - The long-term development of consumer finance is crucial for implementing the spirit of the 20th Central Committee and supporting the "14th Five-Year Plan" [9] - The industry must focus on key groups such as rural areas and new citizens, integrating into new consumption scenarios to ensure sustainable growth and contribute to the overall economic cycle [9]