Core Viewpoint - The article emphasizes the need for transparency and fairness in subscription services, particularly regarding automatic renewals that often trap consumers into unwanted charges [1][2][4]. Group 1: Consumer Rights and Automatic Renewals - Consumers often face unexpected charges due to automatic renewal features in apps, which can lead to financial losses without their knowledge [2][3]. - A recent court ruling highlighted the violation of consumer rights when a technology company automatically renewed a subscription without proper notification, resulting in a refund for the affected consumer [1][2]. Group 2: Regulatory Framework and Enforcement - Current regulations, such as the "Network Transaction Supervision Management Measures," require explicit user consent for automatic renewals and mandate clear notifications prior to renewal [3][4]. - The Consumer Rights Protection Law imposes strict penalties on businesses that violate these rules, including fines and potential business license revocation [3][4]. Group 3: Recommendations for Improvement - There is a call for stricter enforcement of consumer protection laws and the implementation of a "double notification" principle to ensure consumers are adequately informed about automatic renewals [4]. - Companies are urged to improve their subscription models to avoid exploiting consumers through hidden fees and complicated cancellation processes [3][4].

治理网红毒玩具，要先完善监管标准。相关部门应当加快对新型玩具标准的制定、修订和升级，将 甲醛、挥发性有机物等有害物质纳入强制性检测范围；建立动态更新机制，及时将市场上出现的新材 料、新工艺纳入监管视野；加强与国际标准的对接，借鉴先进的管理经验，进一步提升玩具安全水平。 在此基础上，监管部门既要"长牙齿"，又要"亮眼睛"，加大对玩具生产、流通环节的监管力度，用 好用足抽检措施，提升线上线下抽检覆盖率，监督有资质企业严格按标准生产，端掉黑窝点、黑作坊、 黑工厂。对生产销售不合格玩具的企业、商家，该处罚处罚，该责改责改，该曝光曝光，倒逼其增强自 律意识和底线意识，规范生产经营行为。 同时，压实电商平台的管理责任。平台应建立更加严格的核查准入机制，加强对玩具类商品的监 控，要求入驻商家履行进货查验义务，并向消费者提供经营资质、检测报告等信息。一旦发现问题玩 具，及时采取下架、发布消费警示、取消推荐、封限账号、拉黑等措施。 面对五花八门的网红玩具，消费者也应提高警惕，不盲目追求新奇刺激。如需购买，选择正规渠 道、有质量保证的产品。如果买到问题玩具，通过打差评、投诉举报或起诉等方式积极维权。 从捏捏乐到流麻、徽章、盲盒手 ...

Group 1 - Consumers have reported being charged additional insurance fees when purchasing train tickets online, often without clear visibility of the insurance terms [1] - The design of payment pages on certain platforms has been criticized for misleading consumers, infringing on their right to know and choose [1] - Regulatory bodies, including the China Banking and Insurance Regulatory Commission, have issued guidelines to ensure transparency in insurance sales on online platforms [1] Group 2 - Effective regulation is deemed essential to protect consumer rights in the online marketplace, with calls for increased oversight and enforcement [2] - Platforms are encouraged to adopt a "technology for good" approach, prioritizing consumer interests and providing quality products and services [2]

中国汽车工业正经历一场深度内卷。2024年汽车行业利润率仅4.3%，低于整个下游工业利润率。与此 同时，消费者权益也在悄然陷入一系列不易察觉、难以应对的困境。 多重因素导致了这场内卷风暴。残酷的市场竞争是首要推手。市场增量有限，存量搏杀异常激烈。2024 年国内乘用车零售销量达2289.4万辆，同比增长5.5%，但乘用车成交价却同比下跌1.3万元/辆，市场折 扣率也下滑至17.6%，同比下降1.9个百分点。若以2023年折扣水平作为基数估算，2024年"价格战"导致 乘用车零售市场损失1956亿元。同时，汽车行业正处新能源崛起与传统燃油转型的碰撞期，新旧势力激 烈交锋，叠加市场整体压力，竞争激烈程度前所未有。 消费者天然处于信息弱势地位，是深陷隐匿困境的根源。面对高度专业化的汽车产品，普通消费者在产 品可靠性指标、核心配置差异、技术成熟度细节，以及合同隐含风险、售后服务实际可及性等方面，了 解渠道有限，判断能力不足。反观车企和经销商，却娴熟地利用巨大的信息不对称，将营销重心放在宣 传可见优势参数和短期价格刺激上，对关键隐患避重就轻甚至绝口不提。消费者在此信息迷雾中，极易 蒙受长期权益损失。 破解内卷下的消费者 ...

Core Viewpoint - The article highlights a consumer complaint regarding the purchase of a new vehicle, where the buyer experienced issues related to the vehicle's condition and the dealership's practices, raising concerns about potential fraud and consumer rights violations [1][5][11]. Group 1: Consumer Experience - A consumer, Ms. Lan, reported dissatisfaction with her vehicle purchase, claiming the dealership required her to register a second-hand vehicle to qualify for a trade-in subsidy [1][3]. - Upon receiving the vehicle, Ms. Lan discovered it was nearly a year old, with tires close to their warranty expiration, leading her to request a full refund of her deposit, which was denied by the dealership [1][5]. Group 2: Dealership Practices - The dealership's sales strategy involved requiring customers to register a second-hand vehicle to access a trade-in subsidy, which Ms. Lan's family viewed as a deceptive practice [3][9]. - The dealership claimed that the vehicle's age was due to supply chain issues, asserting that the vehicle had only 10 kilometers on the odometer and was still under warranty [9][10]. Group 3: Legal Implications - Legal experts indicated that the dealership's actions could be classified as fraud, allowing Ms. Lan to seek a refund and additional compensation under consumer protection laws [11][12]. - The potential for the purchase contract to be deemed invalid exists if it is proven that the dealership misrepresented the vehicle's condition and age [13].

Core Viewpoint - The article highlights the efforts of Industrial Bank's Chongqing Liangjiang New Area branch in promoting consumer rights protection through various activities aimed at enhancing financial literacy and risk prevention among consumers [1]. Group 1: Consumer Rights Protection Activities - The branch organized a series of diverse consumer rights protection promotional activities, including in-branch education, community services, and corporate visits, to create a harmonious financial consumption environment [1]. - A dedicated financial knowledge promotion area was set up in the branch, focusing on educating elderly customers about financial safety, particularly through a special lecture titled "Silver Guard" that addresses illegal fundraising and telecom fraud [1]. Group 2: Community Engagement - The branch engaged with the Jinshan Street Jin Yu community by combining financial education with convenient services, such as distributing promotional materials and providing free haircuts, to foster closer ties with residents [2]. - The "Financial + Public Welfare" service model was implemented to enhance community outreach and support [2]. Group 3: Corporate Services - The branch's customer managers conducted "knowledge delivery" activities at local enterprises, focusing on educating employees and new citizens about consumer rights violations, including illegal insurance claims and improper debt collection practices [2]. - Interactive Q&A sessions were held to address employees' concerns regarding investment risks and loan traps, thereby improving the practical applicability of financial knowledge [2]. Group 4: Future Initiatives - The branch plans to continue deepening its financial knowledge dissemination efforts through regular education, digital communication, and scenario-based services, fulfilling its social responsibility as a financial institution [2].

Core Viewpoint - The court ruled that online operators must obtain explicit consent from consumers before providing automatic renewal services, and cannot use hidden methods to present automatic renewal as a default option [1][6]. Group 1: Case Background - A consumer, Tang, was charged 29.9 yuan for automatic renewal without prior notification after initially paying 0.3 yuan for a 24-hour trial membership [2]. - Tang discovered the automatic charges only after seven months and sought a refund, claiming the company had hidden the automatic renewal terms [2][3]. - The company used small gray font to indicate automatic renewal, which was deemed insufficient for consumer awareness [3]. Group 2: Court Ruling - The court found that the company violated Tang's right to know and his right to choose by not providing clear and prominent notifications about the automatic renewal [3][4]. - The ruling mandated the company to refund the total amount of 239.2 yuan to Tang [4]. Group 3: Legal Implications - The new Consumer Rights Protection Law, effective July 1, 2024, requires operators to prominently inform consumers about automatic renewals before service acceptance and prior to renewal dates [5]. - The court emphasized that "significant notice" must be clear enough to attract consumer attention, and the current notification method used by the company was inadequate [6]. Group 4: Recommendations and Industry Impact - The court issued judicial suggestions to the involved platform, recommending explicit consent for automatic renewals and strict adherence to notification obligations [7]. - Experts noted that subscription models must prioritize consumer rights to ensure transparency and fairness, which can enhance long-term business success and consumer trust [8].

登录新浪财经APP 搜索【信披】查看更多考评等级 曹开阳 赵泽龙 胡腾宇 2024年，中国人民人寿保险股份有限公司湖南省分公司（下称"湖南人保寿险"）全年共计提供20万次理赔服 务，累计赔付金额达人民币2.75亿元，索赔支付平均时效为1.16天；客户获赔率99.70%，线上化处理率 99.47%。该公司通过线上理赔、快速理赔等方式，不断优化服务流程，持续提升客户满意度。 加强披露管理 维护消费者合法权益 湖南人保寿险扎实开展集中教育宣传活动，积极参加"3·15宣传周""金融教育宣传月"等各项金融知识宣传活动。 活动围绕"诚信文化+力办实事+特色活动"创新金融教育形式，开展柜面消保专区焕新、"高管讲消保"等特色活 动，提升消费者的参与感，同时创新尝试"金融教育+力办实事""消保+健康运动"等形式，全面开展"担当新使 命，消保县域行"活动，深入县域为广大消费者科普消保知识。此外，组织"金融教育友氧鲜气跑·娄底站"等特色 活动，进一步扩大宣传范围和影响力。 根据信息披露管理要求，湖南人保寿险在售前、售中、售后全流程披露产品和服务的关键信息，内容涵盖产品 和服务性质、风险、收费情况、合同主要条款。使用通俗易懂的语言， ...

在制度层面，2024年7月实施的《中华人民共和国消费者权益保护法实施条例》提出，加大消费者合法 权益保护力度，建立和完善经营者守法、行业自律、消费者参与、政府监管和社会监督相结合的消费者 权益保护共同治理体系；2025年2月，市场监管总局等5部门联合印发的《优化消费环境三年行动方案 （2025—2027年）》明确消费供给提质、消费秩序优化、消费维权提效、消费环境共治、消费环境引领 五大行动，旨在建设诚信、公平、便捷、安全的消费环境。 "五月五，过端午"。随着端午假期临近，全国各省市的消费者权益保护委员会或消费者协会密集发布端 午节消费提示：佳木斯市提醒广大消费者规避消费陷阱，科学理性消费选购；丽水市提出端午消费"四 要"，粽子选购要细心、餐饮消费要谨慎、旅游出行要规划、购物消费要理性；西安市提示消费者，对 节日期间商家推出的促销活动，消费者要保持理性，不要被"打折""满减""赠品"等噱头所迷惑，结合自 身需求购物，避免冲动消费；阿勒泰市也提醒消费者在线上购物需谨慎，警惕"直播秒杀""明星同款"等 饥饿营销手段，通过多平台比价核实商品价格；珠海市建议消费者，妥善留存发票或相关购物凭证，依 法维护自身合法权益。 ...

极目新闻评论员 屈旌 近日，有网友发视频称吃串串遇签子收费比实际吃出多一倍，评论中也有顾客反映签子多了，多收钱的 问题。 当事人表示，店家在小程序识别后，在收银台手动输入签子数，输入的是222根，自己拍照识别和人工 数后都是119根，之后商家退还了差价。 对此，涉事门店工作人员表示，都是小事情，大家应该相互理解一下，为啥非搞3倍赔偿，他们平时数 的都是对的，会找数签软件客服反馈。（5月18日荔枝新闻） 相关新闻视频 "吃串串"有自己特别的计价方式，一般是顾客就餐完毕后，按照剩下的签子来计数，依据签子数量和单 价付款，这种计价模式建立在双方信任的基础之上，很多时候，商家数了是多少就是多少，价格没有太 离谱的话，很多消费者也不会再去复核一遍。 但像这个商家这样，算出的签子数量竟比实际高出一倍左右，实在是有点夸张了。如此大的数量差距， 几乎可以说是"肉眼可见"，绝非一句"误差"可以搪塞。这难免让人怀疑，商家此前是否也经常在签字数 量上玩花招，多收顾客的钱。这种行为不仅损害了消费者的经济利益，更严重破坏了消费者对商家的信 任，让就餐体验变得很糟糕。 根据相关法律规定，消费者享有公平交易的权利，有权获得质量保障、价格合 ...