两节期间，米面油、肉蛋奶等民生商品供应充足，餐饮消费、年货采购等消费需求同步增长。为切实维 护消费者合法权益，引导理性安全消费，额敏县市场监督管理局结合节日消费特点与监管重点，发布以 下消费提示，提醒广大消费者提高风险防范意识，依法维护自身权益。 此外，要自觉抵制过度包装商品，选购礼盒类商品时留意是否存在缺斤少两现象，践行绿色消费理念。 二、餐饮消费：细化消费约定，防范隐形消费 外出就餐应选择卫生条件良好、食品安全管理规范的餐饮单位，查看后厨环境卫生与从业人员健康证 明。预订年夜饭时，务必提前确认菜品内容、价格、退改规则及服务细节，明确"定金"与"订金"区别， 将口头承诺以书面形式确认，避免后续纠纷。 （一）警惕价格猫腻，拒绝虚假促销 节日期间促销活动密集，消费者需警惕"先涨后降""虚构原价"等价格欺诈行为，部分商家可能在折价前 临时显著提高标价，再以"特价""清仓"等名义诱导消费。购买前可通过比价工具或多平台对比，核实商 品价格真实性，不盲目轻信"全网最低价""限时秒杀"等夸大宣传。对于粮油肉蛋菜奶等民生商品，若发 现捏造涨价信息、哄抬价格等行为，可及时举报。 同时，要避开复杂促销规则的"卡券迷阵"，仔细阅 ...

Core Viewpoint - The Anhui Provincial Market Supervision Administration has issued consumption tips for the upcoming New Year and Spring Festival, emphasizing rational consumption and legal rights protection for consumers [1][2] Group 1: Consumer Guidance - Consumers are advised to prioritize purchasing New Year goods from regular supermarkets, farmers' markets, and brand specialty stores, paying attention to production dates, shelf life, and ingredient lists [1] - When dining out or ordering New Year's Eve meals, consumers should choose restaurants with complete licenses and practice the "Clean Plate Campaign" [1] - Elderly consumers are cautioned against believing in the medical claims of health food promotions and should avoid marketing tactics such as "free lectures" and "gift giveaways" [1] Group 2: Product Selection and Online Shopping - When selecting New Year gifts, consumers should not blindly pursue "luxurious gift boxes" and should be aware of the "seven-day no-reason return" policy when shopping online [1] - For purchasing home appliances and digital products, consumers should check for "3C" certification and confirm the scope of warranty services [1] - When handling prepaid cards for beauty, hairdressing, or fitness services, it is essential to sign contracts that clarify usage periods, refund conditions, and transfer rules [1] Group 3: Travel and Dining Precautions - For booking travel products, consumers should specify itinerary arrangements, cost details, refund policies, and liability for breach of contract in the agreement, and confirm check-in times and room types with hotels in advance [1] - Online bookings should be made through legitimate platforms and third-party payment channels to ensure fund security [1] - Before dining out, consumers should confirm dish prices and retain evidence of any price violations, such as lack of clear pricing [1]

Core Points - The article highlights the prevalence of "yin-yang contracts" in the tourism industry, where actual travel experiences significantly deviate from what was promised in contracts, leading to widespread consumer dissatisfaction and calls for regulatory intervention [1][5][10] Group 1: Consumer Experiences - Tourists have reported being misled by travel agencies, with contracts promising high-quality accommodations and no additional costs, only to find themselves in substandard conditions and facing unexpected fees [2][3] - Specific cases include tourists being forced to sign additional contracts upon arrival, which included hidden clauses and high-cost self-funded projects, undermining their initial agreements [2][3][5] Group 2: Industry Practices - The article describes a troubling trend where some travel agencies engage in deceptive practices, such as using multiple contracts to obscure true costs and service levels, often leading to consumer exploitation [5][6] - The rise of online group bookings through platforms like Douyin has contributed to the issue, as unqualified individuals or companies can easily form travel groups without proper oversight [4][5] Group 3: Regulatory Response - In response to the growing complaints and issues within the tourism sector, regulatory bodies are increasing monitoring and enforcement actions against illegal practices, including unlicensed operations and misleading advertising [6][10] - The Ministry of Culture and Tourism has announced plans for dynamic monitoring and concentrated inspections to address these issues, indicating a commitment to improving consumer protection in the travel industry [6][10] Group 4: Legal Considerations - Legal experts emphasize the potential invalidity of "yin-yang contracts" and the obligations of travel agencies to fulfill their contractual commitments, highlighting the legal recourse available to consumers who have been wronged [7][8] - Consumers are encouraged to document their experiences and gather evidence to support their claims, as legal avenues exist for addressing grievances related to false advertising and contract violations [9]

Core Viewpoint - Leshan Commercial Bank has demonstrated steady growth in its operations and core indicators, maintaining its position in the "200 billion club" and ranking among the top tier of city commercial banks in Sichuan as of mid-2025 [1][2]. Financial Performance - As of June 30, 2025, the total assets of Leshan Commercial Bank reached 215.5 billion, indicating a robust financial standing [1]. - The bank's ranking in the "2025 World’s Top 1000 Banks" by The Banker magazine improved by 68 places to 505, marking a significant advancement in its global standing [2][3]. Risk Management - The bank has maintained a long-term credit rating of AA+ for three consecutive years, with a stable outlook, reflecting improvements in governance and internal control mechanisms [3]. - Leshan Commercial Bank has implemented a comprehensive risk management strategy, focusing on risk identification, assessment, response, and monitoring, which has enhanced its asset quality [3]. Compliance and Governance - The bank emphasizes strict compliance and governance, launching a new three-year compliance culture initiative to strengthen its internal control systems [3][7]. - A robust supervisory framework has been established, integrating various oversight functions to ensure high-quality development [7]. Legal Rights Protection - The bank actively combats debt evasion, ensuring the protection of depositors and shareholders' interests while maintaining a healthy financial ecosystem [5][4]. Community Engagement - Leshan Commercial Bank has focused on serving the local economy, optimizing risk management while expanding its business across 11 cities in Sichuan [9]. - The bank has adopted a strategy of precise financial support for local economic development, effectively lowering funding costs and enhancing asset allocation [9][10]. Strategic Initiatives - The bank is transitioning towards a light capital model, leveraging digital transformation to enhance operational efficiency and profitability [7]. - It aims to support local initiatives, including tourism and urban development, by integrating financial services with community needs [10].

Core Viewpoint - The 2025 "618" shopping festival has commenced, with various promotional activities from e-commerce platforms and merchants, but consumers are advised to shop rationally and protect their rights against potential consumption traps [2][3][4][5][6][7]. Group 1: Rational Consumption - Consumers are encouraged to plan their needs in advance by creating a list of required items, distinguishing between "necessities" and "items that can be postponed," to avoid impulsive purchases influenced by marketing tactics like "limited-time discounts" [2]. - It is recommended to set a reasonable budget for the "618" shopping period, adhering to the principle of "buying as needed" to prevent excessive waste and impulsive spending [2]. Group 2: Choosing Reliable Channels - When shopping online, consumers should prioritize official brand flagship stores or self-operated stores on platforms, as these typically have stricter qualification reviews and better after-sales service [3]. - Caution is advised against transactions through social media, private messages, or short video platforms, as these often lack platform guarantees, making dispute resolution more challenging [3]. Group 3: Understanding Terms and Protecting Rights - Consumers should carefully read the terms of sale, especially regarding the "7-day no-reason return" policy, which may not apply to certain products like fresh food, customized items, and activated electronics [4]. - For pre-sale items requiring a deposit, consumers should confirm their purchase intentions before payment and set reminders for the final payment to avoid losing the deposit [4]. Group 4: Protecting Personal Information - Consumers are advised to be cautious when providing sensitive information such as ID cards and bank details, and to disable unnecessary app permissions [5][6]. - When shopping through live streams, it is important to verify that the transaction page is official to avoid scams, and to be wary of unsolicited calls or links claiming to be customer service [6]. Group 5: Keeping Transaction Evidence - It is crucial for consumers to collect and retain evidence of online purchases, such as order screenshots, payment receipts, and promotional commitments, to support their rights in case of disputes [7]. - In the event of a dispute, consumers should first attempt to resolve the issue with the seller or platform, and if unsuccessful, they can contact local consumer complaint hotlines or use consumer protection platforms for assistance [7].

Group 1 - The core theme of the course is "Diversified Dispute Resolution and Legal Rights Protection - A Guide for Securities Investors" [5] - The course aims to protect the rights of small and medium investors by providing efficient, low-cost channels for dispute resolution and rights protection [5] - The course is part of the "Investment Education Navigation" series, which is a public welfare initiative aimed at helping investors understand rules and identify risks [5] Group 2 - The course covers common types of disputes faced by securities investors and detailed explanations of various dispute resolution methods such as mediation, arbitration, and litigation [5] - The course emphasizes the importance of non-litigation dispute resolution mechanisms and aims to prevent disputes at the source [5] - The initiative is supported by the China Securities Regulatory Commission, which promotes the "Fengqiao Experience" in capital market development [5]