虽然未直接提及网贷助贷平台，但需要注意的是，《金融消保新规》替代的是《银行保险机构消费者权 益保护监管评价办法》（银保监发〔2021〕24号）（下称"《2021年规定》"）。 制图：刘卫华 (元宝AI) 2025年9月12日，国家金融监督管理总局（下称"金融监管总局"）官网显示，《金融机构消费者权益保 护监管评价办法》（下称"《金融消保新规》"）正式印发，将参照七大标准，对金融机构消费者权益保 护工作进行五级分类，并给予对应的奖惩措施，最严重者可能被暂停业务。南都记者同时注意到，《金 融消保新规》虽未提及网贷、助贷平台，但对这些行业而言，有着重要参考意义。 接棒四年前规定，网贷平台值得重视 《金融消保新规》显示，由金融监管总局及派出机构根据日常监管和其他相关信息，对金融机构消费者 权益保护工作开展情况和整体状况作出年度综合评价。 消保监管评价对象则为在中华人民共和国境内依法设立、由金融监管总局及其派出机构依法监管的向消 费者提供金融产品和服务的金融机构。信用卡中心等持牌专营机构参照一级分支机构进行消保监管评 价。政策性银行、农村资金互助社、金融资产管理公司、货币经纪公司、金融资产投资公司、保险资产 管理公司、 ...

Core Points - The Financial Regulatory Administration has released the "Regulatory Evaluation Method for Consumer Rights Protection of Financial Institutions" [1] - The evaluation targets financial institutions providing products and services to consumers within China, including financial leasing companies and pension insurance companies [1] - Institutions not engaged in personal business or with minimal personal business are excluded from the evaluation [1] Evaluation Elements - The evaluation consists of seven elements: "System Mechanism," "Suitability Management," "Marketing Behavior Management," "Dispute Resolution," "Financial Education," "Consumer Services," and "Personal Information Protection" [2] - Each element comprises several evaluation indicators, with the total weight of the elements summing to 100% [2] - Specific weight requirements include: System Mechanism (minimum 10%), Suitability Management (minimum 10%), Marketing Behavior Management (minimum 25%), Dispute Resolution (minimum 25%), Financial Education (minimum 10%), Consumer Services (minimum 5%), and Personal Information Protection (minimum 5%) [2]