金融消费者权益保护

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深圳多家银行披露信贷业务第三方合作机构,催收代理成看点
Nan Fang Du Shi Bao· 2025-09-16 13:47
Core Viewpoint - Shenzhen has taken action to enhance financial consumer rights by publicly disclosing the list of third-party cooperation institutions involved in credit business among eight major banks during the "Shenzhen 2025 Financial Education Promotion Week" [2][3]. Group 1: Third-Party Cooperation Institutions - Eight banks, including Industrial and Commercial Bank of China and Agricultural Bank of China, have announced their third-party cooperation institutions, focusing on marketing, guarantee enhancement, and collection services [2][3]. - For example, Shenzhen's Bank of China has nearly 80 third-party cooperation institutions, with over 70% involved in credit card auto installment and home decoration installment services [3]. - The list includes 49 auto installment companies, 9 home decoration installment companies, and 9 personal housing loan institutions, indicating a significant reliance on third-party services for credit management [3]. Group 2: Consumer Rights Protection - The Shenzhen Banking Association stated that the public disclosure of third-party cooperation institutions is a positive step towards protecting financial consumer rights and regulating banking practices [3]. - This initiative aims to combat illegal loan intermediaries and promote fair competition within the financial sector [3][4]. Group 3: Issues with Illegal Loan Intermediaries - Illegal loan intermediaries have been a persistent issue, prompting banks in Shenzhen to issue "anti-intermediary" statements against a specific consulting service named Xin Xin Hui Lin [4]. - These intermediaries often mislead consumers with false claims of partnerships with banks and charge excessive fees, leading to significant consumer rights violations [4][5]. - Regulatory authorities have highlighted various deceptive tactics used by these intermediaries, such as posing as bank employees and promoting unrealistic loan conditions [5].
泰康基金:多家基金公司联合举办首届“金融知识进社区”健康财富知识竞赛
Xin Lang Ji Jin· 2025-09-16 10:54
为深入贯彻落实国家关于加强金融消费者权益保护、提升社会公众金融素养的政策要求,积极响应北京 地区"新时代 新基金 新价值"公募基金高质量发展行动活动的号召,泰康基金联合嘉实基金、中邮基 金、国联基金、人保资产和度小满等在京金融机构共同组织了首届"金融知识进社区"健康财富知识竞赛 活动。 专题:北京公募基金高质量发展系列活动 新时代、新基金、新价值 未来泰康基金还将携手行业伙伴,共同举办内容更丰富、群体更多样、形式更接地气的投资陪伴活动, 宣传金融知识、传播行业文化和理念,助力我国居民提升金融素养、守护幸福家庭。 MACD金叉信号形成,这些股涨势不错! 责任编辑:石秀珍 SF183 比赛分为必答题、抢答题、风险题三个部分,题目内容包括金融知识、防非反诈、养老投资、金融"五 篇大文章"宣导等方面。现场气氛热烈、竞争激烈,参赛队伍们在你来我往的答题中,不知不觉学习了 专业的金融知识和防非反诈技能。场内还设置了"求助"环节,由泰康基金、嘉实基金的工作人员担任指 导老师,为现场观众讲解正确答案和知识点,帮助社区居民们加深对金融行业的了解。 本次活动是"新时代 新基金 新价值"公募基金高质量发展行动系列活动之一,旨在将专 ...
兴业银行长沙分行:多维深耕金融教育 构筑消费者权益立体防护网
Chang Sha Wan Bao· 2025-09-16 10:13
长沙晚报掌上长沙9月16日讯(通讯员 邓凯茜) 兴业银行长沙分行辖内各二级分行以"五进联动"创新模 式全面推进金融知识普及,通过警银协作、场景化宣教、精准化服务等多元举措,切实提升消费者风险 防范能力,筑牢金融消费者权益保护屏障。 警银联动筑防线 破诈防损显担当 在反诈攻坚行动中,株洲分行通过柜面业务监测成功拦截多起大额异常资金转移,联动公安机关阻止群 众损失超百万元。因在警银协作中的突出表现,该行获株洲市公安局与人民银行株洲市分行联合通报表 扬。湘潭分行则联合岳塘区公安分局举办"反诈护民"主题宣传活动,通过情景剧演绎、案例拆解、线上 直播互动等形式,形成"线上+线下"立体宣传矩阵。 普惠金融润乡土 情暖田间千万家 常德分行组建"金融轻骑兵"深入县域乡镇,以"流动课堂+擂台竞赛"形式开展金融知识下乡。通过方言 讲解非法集资,手把手教学移动支付,发放普惠知识手册,创新性开展的"金融知识大富翁"互动游戏让 防诈知识入脑入心,生动诠释金融机构助力乡村振兴的使命担当。 金融启蒙进校园 护航青春零风险 株洲分行、衡阳分行联合各类院校开展"金融安全第一课"系列活动,从小学生的金融安全启蒙到大学生 的防范金融风险,针对校园 ...
携手共筑安全防线,深耕社区金融宣教——北京分公司金融知识进社区系列活动
Xin Lang Ji Jin· 2025-09-16 10:06
Group 1 - The core theme of the activities is "Protecting Financial Rights and Supporting a Better Life," focusing on identifying and preventing illegal financial activities [5][10] - The events were organized by HSBC Insurance Brokerage Co., Ltd. Beijing Branch in collaboration with various financial institutions to enhance public financial literacy and risk awareness [1][11] - The first event took place on September 11 in Chaoyang District, attracting over 300 residents and distributing more than 500 informational materials [7][11] Group 2 - The second event occurred on September 13, combining financial education with charity, and attracted approximately 300 participants while distributing over 600 materials [10][12] - Both events featured expert lectures on common financial scams, particularly targeting vulnerable groups such as the elderly, emphasizing the importance of safeguarding personal finances [5][10] - The overall impact of the activities was significant, with around 600 residents participating and over 1,100 materials distributed, effectively enhancing community financial literacy and self-protection awareness [11][12] Group 3 - The company plans to continue these financial education initiatives as a regular annual project, focusing on key demographics such as the elderly and youth [13] - Future efforts will include creating mobile education stations in collaboration with local communities, schools, and businesses to further disseminate financial knowledge [13]
2025年汇丰保险经纪“金融教育宣传周”上海站盛大启幕
Xin Lang Ji Jin· 2025-09-16 09:59
金秋送爽,丹桂飘香。一年一度的金融教育宣传周如期而至,为积极响应监管部门号召,汇丰保险经纪 有限公司(简称"汇丰保险经纪")携手汇丰人寿保险有限公司(以下简称汇丰人寿)和汇丰银行(中 国)有限公司(以下简称汇丰银行),于9月15日在上海市浦东新区国金中心汇丰银行大楼一楼,共同 举办以"保障金融权益,助力美好生活"为主题的金融知识宣传盛宴,以实际行动普及金融知识,守护消 费者权益。 at -2 les '8 2 SHHH 4 智汇金融守护 共筑美好生活 · 金融健康膳食草单 智汇全融守护 共筑美好生活(D.总 · · 2008年11月11: l De 上 2014 Bi 8031 HSB 1-1-1 g % 78 120 3 6 11 2017 (X) == 金融植 新游 12 2025年金融教育宣传周 I 解特班-99210 The Proper HSBC 1. 防骗专家 0 ... � 24 4 00 120 2 联联警见. qya已经是其的出严重生 4990 HARA 工期讯评 12:55 89 ... x HS 1 Bill 2019-01-2 . In the P. . AND GETHERSE · ...
济宁农商银行开展“金融教育宣传周”活动
Qi Lu Wan Bao· 2025-09-16 07:15
活动期间,该行工作人员走进商圈、走进社区、走进田间地头,积极结合开展金融知识宣传活动,通过"金融知识赶大集"、"金融知识课堂"等形式,深入县 域基层开展宣教活动,结合金融消费者八项权利的教育、防范电信网络诈骗、保护个人金融信息、存款保险、反假知识宣传、非法"代理维权"风险、加强老 年客户关爱等多个主题,引导群众诚信消费,保持良好的信用记录,树立正确的消费观及价值观,同时重视提高老年客户防范意识和防骗技巧,得到了群众 的高度认可。 通过宣传活动,让广大群众对金融消费者权益保护内容有了更深入的认识和理解。下步,济宁农商银行将继续围绕"以客户为中心"的服务理念,推动金融知 识普及工作常态化,引导群众提高金融消费者维权意识,帮助更多消费者学金融、用金融、信金融。 为切实提升消费者金融素养和金融安全意识,增强社会公众依法维权意识和能力,济宁农商银行以"保障金融权益 助力美好生活"为宣传口号,由内至外开 展"金融教育宣传周"活动。 ...
消保宣传“五进入”,金融服务“零距离”——中宏保险威海营销服务部积极开展金融教育宣传周活动
Qi Lu Wan Bao· 2025-09-16 06:02
Group 1 - The core theme of the financial education campaign is "Protecting Financial Rights, Supporting a Better Life" organized by Zhonghong Insurance Shandong Branch in response to the call from the National Financial Supervision Administration [1] - The campaign includes various activities aimed at enhancing financial consumer rights protection and education during the Financial Education Promotion Week [1] - The activities are designed to deliver practical financial services and risk alerts directly to community residents, making financial knowledge accessible [4] Group 2 - On September 9, the campaign reached out to the Qijia Kuan Road community, where residents expressed appreciation for the "knowledge delivered to their doorstep" format, highlighting the relevance of the discussed financial issues [4] - On September 10, the campaign took place in the Dazhonghua shopping area, focusing on educating consumers and merchants about the "Three Appropriateness Principles of Insurance" and warning against common traps related to "agent policy cancellations" [4] - On September 13, the campaign was held in Yuankekou Village, where it aimed to instill a scientific approach to insurance and caution villagers against misleading phrases like "full refund" [10] Group 3 - Zhonghong Insurance Shandong Branch plans to continue expanding the breadth and depth of financial knowledge dissemination, further promoting the "Five Entrances" of financial education [10] - The initiative aims to deliver financial rights protection knowledge to a broader audience, contributing to the establishment of a robust financial safety net for the community [10]
山东金融监管局 山东省地方金融管理局 中国人民银行山东省分行 山东证监局联合开展2025年金融教育宣传周活动
Qi Lu Wan Bao· 2025-09-16 02:10
——站稳人民立场,以金融为民的使命感努力营造良好氛围。认真践行金融工作的政治性、人民性,利 用集中开展"金融教育宣传周"活动的有利契机,聚焦金融服务便民惠民举措,加大宣传力度、提升宣传 精度,增强金融教育宣传感染力、传播力、影响力,进一步提高人民群众获得金融知识的便捷性和便利 度。督促指导辖区金融机构以更高站位、更强担当、更实举措,不断优化完善金融产品和金融服务,持 续提升人民群众对于金融服务的获得感、幸福感、安全感。 为全面贯彻落实党的二十大和二十届二中、三中全会精神以及中央经济工作会议、中央金融工作会议部 署,深刻把握金融工作政治性、人民性,积极践行以人民为中心的价值取向,提升社会公众金融素养, 维护金融消费者和投资者合法权益。9月15日,山东金融监管局、山东省地方金融管理局、中国人民银 行山东省分行、山东证监局联合开展山东2025年金融教育宣传周活动启动仪式。 本次活动以"保障金融权益 助力美好生活"为口号,旨在积极践行以人民为中心的价值取向,围绕群众 关心关注的内容,组织开展金融知识普及,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、电信诈骗、"校园贷""套路贷 ...
陕西金融教育宣传周启动
Shan Xi Ri Bao· 2025-09-16 00:33
活动现场,"五彩迷宫"互动体验区成为全场焦点——它巧妙地将"金融为民"理念具象化,以"红、 银、橙、蓝、绿"五色对应不同受众群体,现场群众可通过对应入口参与金融知识问答与趣味游戏。多 家金融机构设展位讲解防范电信诈骗、识别非法集资、保护个人信息等真实案例,为银发族拆解养老诈 骗套路,为青年学子普及理性消费理念。 陕西省金融监管局相关负责人表示,下一步,将围绕"五彩三秦·金融消保"金融教育宣传品牌,组 织辖内金融机构结合"党建+社区"金融消保服务工作开展形式多样、内容丰富的教育宣传活动,将金融 消保的政策温度转化为人民群众的幸福感和获得感。(记者:杨光) 9月15日,以"保障金融权益 助力美好生活"为主题的2025年陕西金融教育宣传周暨"五彩三秦·金融 消保"品牌创建活动启动仪式在西安举行。该活动由国家金融监督管理总局陕西监管局(以下简称"陕西 省金融监管局")主办,相关政府部门及驻陕金融机构代表400余人参加。 启动仪式现场,陕西省金融监管局发布"五彩三秦·金融消保"金融教育宣传品牌创建成果。品牌标 志融合西安大雁塔与丝绸之路视觉元素,以传统五色彰显金融服务的多元温度,传递"以文化为基、以 金融为桥",用心守 ...
金融消保“上新”,对坑人的机构严惩不“贷”
Nan Fang Du Shi Bao· 2025-09-15 19:53
这样的监管办法无疑适用于目前的行业生态。如今金融行业鱼龙混杂,各类金融机构参与竞争,为了获 取超额利益,有的机构,尤其是第三方平台,在经营过程中依靠各类套路,设下各种消费陷阱,让本就 陷入困境的消费者苦不堪言。 就在近日,"贷款100多万中介收31万"的话题就登上社交媒体热搜,这个案例揭示的第三方金融机构消 费套路非常典型,其中就包括:一是收取高昂的服务费,这种现象在目前类似的第三方金融服务中非常 普遍。比如,很多平台通过电话向消费者推销信贷产品,并允诺较低的利息和服务费,但后续在有关流 程和合同中往往会增加各种收费,使得最终的成本大大超过常规渠道的信贷服务。二是中介机构通过各 种操作,最终让没有资质的消费者获得贷款。在上述案例中,中介就是以逾期为由让他人协助,通 过"AB贷"的方式让消费者获得金融服务。虽然在短期内满足了消费者的资金需求,但付出的成本极 大,而且这种做法往往也不合规,对于金融机构的风险管理极为不利。 网贷、助贷平台的消费乱象远不止于此,第三方平台的诸多套路已经成为典型的消费问题,受到媒体关 注,并反复被曝光。监管对此必须予以重点关注,此次新规的出台或是一个重要分水岭,提醒金融机构 要注重合规 ...