近年来，随着金融科技的快速发展，金融活动的便利性显著提升，但与此同时，金融领域的风险也日益 凸显。虚假宣传、非法中介、非法金融活动以及电信诈骗等违法行为频发，严重威胁人民群众的财产安 全和合法权益。特别是针对老年人、青少年等重点群体的诈骗手段不断翻新，令人防不胜防。与此同 时，金融市场的诚信问题也备受关注，部分不法分子利用虚假宣传、非法跨境投资等手段，严重破坏了 金融秩序。在此背景下，我行积极响应国家关于加强金融消费者权益保护的号召，以"保障金融权益 助 力美好生活"为活动口号，围绕"积极践行以人民为中心的价值取向，聚焦群众关切，开展金融知识普 及，帮助金融消费者和投资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"的主题，开展了一系列宣传活动。活动注重发挥基层力量，推动金融知识和风险提 示深入基层、直达群众，同时积极发挥金融助力提振消费的作用，优化提升金融服务水平，不断提升人 民群众的获得感、幸福感和安全感。 通过本次宣传活动，我行成功提升了社会公众的金融知识水平和风险防范能力，增强了公众对金融市场 的信任感和安全感。公众对虚假宣传、非法中介、非法金融和电信诈骗等违法行 ...

近年来，随着金融科技的快速发展，金融活动的便利性显著提升，但与此同时，金融领域的非法中介和 互联网贷款乱象也日益猖獗，严重威胁人民群众的财产安全和合法权益。不正当反催收、恶意逃废债 务、非法代理退保理赔、非法存贷款中介、虚假征信修复、非法荐股等金融"黑灰产"行为不断涌现，这 些行为不仅损害了金融消费者的权益，还严重破坏了金融市场的秩序。与此同时，一些互联网借贷平台 通过混淆概念、隐瞒年化利率、不实承诺等虚假宣传手段诱导贷款，甚至以管理费、担保费、权益费等 名目隐藏高息费，进一步加剧了金融风险。在此背景下，我行积极响应国家关于加强金融消费者权益保 护的号召，以"保障金融权益 助力美好生活"为活动口号，围绕"网络安全为人民，网络安全靠人民"的 主题，开展了一系列宣传活动。活动聚焦防范非法中介和互联网贷款乱象侵害，通过分类别、有侧重的 提示提醒，揭示和解析金融"黑灰产"行为的表现形式、手段和危害，积极推广正规金融产品，用正规金 融服务挤压非法集资活动空间，普及互联网借贷相关知识，帮助消费者和投资者有效识别和防范相关风 险，营造安全放心的消费环境。 在线上宣传中，银行通过微信公众号、美篇等形式，向公众普及金融安全知识 ...

Core Viewpoint - The launch of the "Financial Education Promotion Week" by the National Financial Supervision Administration, the People's Bank of China, and the China Securities Regulatory Commission aims to enhance financial literacy among consumers and create a safe financial consumption environment [1]. Group 1: Financial Education Activities - Shandong Industrial and Commercial Bank (ICBC) actively participated in the financial education activities, themed "Protecting Financial Rights and Supporting a Better Life," by organizing a financial market education event [1]. - The event featured a "mobile bank car" that combined financial services and knowledge education, serving as a mobile financial knowledge promotion station [3]. - Various interactive displays and promotional boards were set up at the financial market, creating an engaging atmosphere for consumers to learn about financial knowledge [3]. Group 2: Targeted Financial Knowledge Dissemination - ICBC staff conducted diverse financial education activities, distributing brochures summarizing high-frequency financial service scenarios and common financial fraud risks for different demographic groups [5]. - The bank provided tailored education on recognizing and preventing financial fraud, including issues like telecom fraud and illegal loan intermediaries, to meet the specific needs of elderly, youth, and new citizens [5]. - Public awareness was raised regarding deceptive practices in financial promotions, encouraging consumers to engage with legitimate financial institutions for borrowing needs [5]. Group 3: Personalized Consultation and Engagement - ICBC offered personalized consultation services to address the financial needs of different customer segments, using real-life examples to educate on protecting personal financial information and making informed financial product choices [7]. - The bank organized anti-fraud themed activities, such as making anti-fraud sachets and engaging in fun games, to subtly enhance the public's awareness of fraud prevention [7]. Group 4: Commitment to Consumer Rights Protection - As a major state-owned commercial bank, ICBC prioritizes the protection of financial consumer rights, viewing the financial market event as a step towards fulfilling its social responsibility and commitment to serving the public [8]. - ICBC plans to continue its financial education initiatives, innovate promotional methods, and expand outreach channels to contribute to a safe, healthy, and orderly financial consumption environment [8].

Core Viewpoint - Financial consumer rights protection is not only a corporate responsibility but also a social mission, especially in the context of increasing financial fraud and illegal intermediary activities that threaten the safety and rights of the public [1][10]. Group 1: Consumer-Centric Financial Knowledge Promotion - The foundation of consumer rights protection lies in the popularization of financial knowledge, enabling consumers to make informed choices and avoid illegal activities [2]. - The company plans to conduct multi-level financial education through various methods, including online and offline activities, to help consumers understand insurance products, risks, and rights [3]. - Targeted promotional content will be designed for specific groups, such as the elderly, children, and new citizens, to enhance their financial literacy and risk awareness [4]. - Innovative promotional formats will be utilized, leveraging new media platforms like WeChat and short video platforms to disseminate financial knowledge [5]. Group 2: Risk Prevention Focus - The company emphasizes risk prevention to help consumers identify and avoid illegal financial activities that undermine their rights and market stability [6]. - Risk awareness will be enhanced through case studies and risk alerts, educating consumers about common scams and fraudulent practices [7]. - Clear channels for consumer complaints and rights protection will be established, guiding consumers on how to legally and rationally assert their rights [8]. - Internal management will be strengthened to prevent misleading sales and illegal activities, ensuring all employees adhere to principles of honesty and fairness [9]. Group 3: Long-term Commitment to Consumer Rights Protection - Financial consumer rights protection is a long-term and challenging task that requires collective efforts from all sectors of society [9]. - The company aims to fulfill its social responsibility by promoting financial knowledge and risk awareness at the grassroots level, contributing to a healthy financial environment [10].

Core Viewpoint - The article highlights the risks posed by illegal intermediaries, fraudulent insurance claims, and internet loan irregularities, which undermine consumer rights in the financial services sector [1]. Group 1: Illegal Intermediaries and Fraud - Illegal agents for insurance refunds and claims often lure consumers with promises of "full refunds" and "enhanced claims processing," requiring personal information and charging service fees ranging from 20% to 50% [1]. - These fraudulent entities may fabricate complaint materials or induce consumers to cancel their policies, leading to loss of coverage and potential legal consequences due to falsified documents [1]. Group 2: Financial Service Risks - Various illegal intermediaries in the financial sector mislead consumers by promoting "internal channels" and "low-interest quick loans," while concealing critical information about the actual terms and risks involved [1]. - Insurance intermediaries may misrepresent short-term health insurance as "lifetime renewals," and loan intermediaries may exaggerate returns while downplaying risks, resulting in unexpected costs and difficulties in consumer rights protection [1]. Group 3: Internet Loan Irregularities - Some platforms disguise high-interest rates as "fees" and "management costs," obscuring the annualized interest rates, which can lead to excessive borrowing, particularly among young consumers [1]. - There are instances of platforms colluding with illegal intermediaries, causing consumers to unknowingly incur debts while engaging in financial transactions [1]. Group 4: Consumer Protection Measures - Consumers are advised to select legitimate channels for refunds, claims, and loans, directly engaging with licensed financial institutions and avoiding third-party intermediaries [2]. - It is crucial for consumers to assess the cost risks by thoroughly reviewing terms, checking annualized interest rates for loans, and verifying insurance coverage to avoid being misled by verbal promises [3]. - Protecting personal information is essential; consumers should never share sensitive data such as ID cards, bank cards, or insurance policies with unknown intermediaries or platforms [4].

Group 1 - The core viewpoint emphasizes the importance of protecting financial consumer rights as a key to the healthy development of the financial industry [1][2] - The company advocates for a consumer-centric approach, integrating rights protection into all aspects of sales, claims, and services to achieve sustainable industry growth [1][2] - Financial consumer rights protection is seen as essential for ensuring market fairness, justice, and transparency [1] Group 2 - The company has established a "three-in-one" approach to financial consumer rights protection, focusing on regulation, service, and education [2] - Internal management systems have been developed to standardize operations, with regular assessments to ensure effective implementation [2] - A multi-layered service system has been created to enhance transparency in sales, optimize claims processing, and ensure timely compensation for clients [2] Group 3 - The company recognizes the need for societal collaboration in consumer protection, engaging in community outreach and educational activities to raise financial awareness [2] - Initiatives include financial knowledge dissemination through community events and online platforms to inform the public about the dangers of illegal fundraising [2] - The commitment to financial literacy and consumer rights protection is viewed as a long-term mission essential for fostering a fair and healthy financial environment [2]

Core Viewpoint - The company emphasizes the importance of consumer rights protection in the financial sector, committing to a people-centered development approach and comprehensive implementation of consumer rights protection measures [1]. Group 1: Implementation of "Three Appropriateness" Principle - The "Three Appropriateness" principle serves as the first line of defense for consumer rights protection, with a robust product suitability management system established [2]. - Measures include assessing customer risk tolerance, categorizing product risk levels, and recording sales processes to ensure appropriate products are sold to suitable consumers [2]. - The company strengthens sales team management to prevent misleading sales practices, thereby safeguarding consumers' right to information and choice [2]. Group 2: Comprehensive Protection of Eight Consumer Rights - The company integrates the protection of eight consumer rights into its entire operational process [3]. - Key initiatives include enhancing information security to prevent data breaches, optimizing claims processing through online and intelligent systems to significantly reduce claim times [3]. - Financial literacy programs are implemented to educate the public on basic financial knowledge and risk prevention techniques, alongside improving complaint handling mechanisms for timely consumer response [3]. Group 3: Combating Illegal Insurance Policy Cancellations - The company takes a strong stance against illegal policy cancellations that harm consumer rights, implementing various measures to address this issue [4]. - Initiatives include establishing intelligent recognition systems for technical prevention, collaborating with enterprises for joint defense, and providing risk alerts to consumers through case studies [4]. - The company encourages consumers to remain vigilant against "full refund" promises and to seek redress through official channels, while continuing to enhance consumer rights protection mechanisms and service levels [4].

Core Viewpoint - The company is actively promoting financial education and consumer rights protection through various community outreach activities, aiming to enhance financial literacy and risk awareness among consumers [1][4]. Group 1: Community Engagement - The company conducted a "Risk Awareness Delivery" event in the Weijia community, distributing financial knowledge brochures and providing answers to insurance-related questions [2]. - In the Baizhuang convenience market, the company engaged with citizens by distributing financial knowledge materials and educating merchants on preventing telecom fraud and illegal fundraising [3]. Group 2: Educational Initiatives - The company organized a "Financial Knowledge in Primary Schools" event at Hongde Primary School, focusing on financial literacy and risk prevention through interactive games and simulations [4]. - The initiative aims to instill a sense of financial safety and consumer rights among students, fostering a culture of honesty and integrity [4]. Group 3: Ongoing Commitment - The company emphasizes its commitment to social responsibility by continuing to promote consumer rights protection and the integrity of the insurance industry [4]. - Future activities will include enhancing consumer protection channels and increasing support for inclusive finance and the real economy [4].

Group 1 - The core event of the financial education promotion week was launched in Anhui, emphasizing the importance of enhancing public awareness and ability in risk prevention through engaging promotional activities [1] - The bank has adopted a customer-centric approach, focusing on protecting the financial interests of the public and fulfilling its mission of safeguarding consumer rights [1] Group 2 - The bank's staff successfully identified and prevented a potential fraud case involving a customer attempting to transfer 2 million yuan, showcasing the effectiveness of their risk detection and emergency response mechanisms [2] - A similar incident was reported where staff recognized a counterfeit bank check scheme, demonstrating the bank's commitment to safeguarding customer assets through proactive measures [2] Group 3 - The bank has extended its services to cater to the elderly and those with mobility issues, addressing their specific financial needs by providing on-site assistance for banking operations [3] - Staff members have shown exceptional care and professionalism in assisting elderly customers, ensuring they understand the processes and addressing their concerns thoroughly [3] Group 4 - The bank actively engages in social responsibility initiatives, providing support to outdoor workers during the summer heat by creating "cooling stations" equipped with refreshments and shade [4] - The bank's outreach efforts include visiting communities and elderly care facilities to distribute supplies and offer warm greetings, reflecting its commitment to humanistic care [4] - The bank aims to continuously expand the breadth and depth of its financial services, ensuring that the public can perceive and experience the benefits of its offerings [4]

Group 1 - The core idea of the article is to promote financial literacy and consumer rights protection through a public outreach event organized by the Jining branch, focusing on the local fruit wholesale market [1][3][5] - The event included detailed presentations on various financial products and services offered by the bank, such as savings deposits, wealth management products, and personal loans, emphasizing the importance of suitability management to avoid misleading sales [1][3] - The bank's staff distributed promotional materials and provided on-site explanations to help participants understand financial risks, prevent telecom fraud, and encourage rational investment and consumption [3][5] Group 2 - The outreach specifically addressed the funding needs of fruit market vendors by introducing inclusive financial products to assist with their operational cash flow [3] - The event also aimed to promote the importance of compliant sales practices among partner institutions in the market, encouraging adherence to financial regulatory requirements to foster a healthy financial environment [3][5] - The bank plans to continue its efforts in financial knowledge dissemination, standardizing financial marketing practices, and enhancing service quality to provide more professional and considerate financial services to the public [5]