一是深化制度机制建设，夯实保障金融权益的规则基础。付万军介绍，金融监管总局正结合当前新形 势、新任务、新要求，研究制定金融消保领域的框架性文件，促进共建金融消保制度体系，在金融业务 各领域、金融监管各条线，体现消保情怀。面对金融消费投诉处理工作的形势变化，金融监管总局加快 修订投诉处理管理办法，进一步压实金融机构主体责任，优化投诉处理程序，力争及时高效解决金融消 费者的烦心事、期盼事。与此同时，金融监管总局不断完善金融消费者权益保护监管评价机制，引导机 构充分认识消费者保护与自身经营发展的共生逻辑，将消保理念有机嵌入产品研发、业务流程、营销宣 传、内部考核等环节，持续提升金融消保工作的内生动力。 二是优化金融服务供给，更好满足群众多元化需求。付万军表示，去年金融监管总局指导上线金融产品 查询平台和金融消费者保护服务平台，打破时间和空间限制，让消费者和投资者在购买金融产品时能够 心中有数；在获取金融知识、维护合法权益时更加便利。未来，金融监管总局将继续优化这两个平台， 拓展平台功能，提升用户体验，提供更加高效便捷的"掌上查""指尖办"服务。考虑到不同人群的个性化 需求，金融监管总局将持续推动金融机构落实适老化服 ...

Core Viewpoint - The article emphasizes the increasing targeting of students by fraudsters, highlighting various scams that exploit their lack of experience and awareness [2][6]. Group 1: Types of Scams - Scam One: Middle school students are lured by fraudsters using idol culture and anime themes, enticing them with offers like "free merchandise" and "unlocking hidden content," leading to payments for "entry fees" or "deposits" [3]. - Scam Two: University students are targeted with fake "easy money" job offers for order brushing, where initial small rebates build trust, followed by demands for larger upfront payments under false pretenses, resulting in significant financial losses [4]. - Scam Three: International students face cross-border scams where fraudsters impersonate officials, claiming issues like "money laundering" or "visa irregularities," pressuring students into large transfers while isolating them from outside help [5]. Group 2: Prevention Measures - The article advises students and parents to verify identities and transaction channels, avoid pre-payment, and purchase cultural products only from official platforms [6]. - It stresses the importance of protecting personal information, avoiding suspicious links, and regularly updating passwords [6]. - The article encourages open communication with family and authorities when encountering suspicious situations or threats [6].

为落实新时代信访工作要求，进一步加强和改进信访工作，金融监管总局近日印发《信访工作办法》， 自2025年6月1日起施行。《信访工作办法》规定，构建各级系统和行业信访工作联席会议机制，充分发 挥调解、和解在金融纠纷多元化解中的积极作用，坚持依法分类处理信访诉求。 业内人士表示，《信访工作办法》发布实施将有利于推进金融监管总局系统信访工作法治化，进一步规 范受理办理程序，依法分类处理群众信访诉求，更好保护信访群众合法权益。 压紧压实金融机构化解矛盾纠纷的主体责任 具体来看，金融监管总局系统分级建立并领导系统和行业信访工作联席会议。各级信访工作联席会议负 责辖内金融领域信访工作的统筹协调、整体推进、督促落实，组织联合接访、协调处理重要信访问题， 指导下级信访工作联席会议工作。根据工作需要，国有金融机构可以建立本集团、本单位信访工作联席 会商机制，定期研究信访工作，协调处理重要信访事项。 《信访工作办法》明确了信访事项的提出和受理的相关事项。法人或者其他组织可以采用信息网络、书 信、电话、走访等形式，向金融监管总局系统反映情况，提出建议、意见或者投诉请求，有关机关、单 位应当依规依法处理。金融监管总局系统应当依据自身 ...

美国超过230名现任和前任民主党议员表示，行政部门不能单方面解散消费者金融保护局（CFPB），或 使其无法履行法定职能，因为这项权力专属于国会。在周五的一份法庭之友陈述中，包括马萨诸塞州参 议员沃伦和加利福尼亚州众议员沃特斯在内的民主党高层，公开批评特朗普政府试图解散CFPB，并支 持全国财政雇员工会及其共同原告对该机构大规模裁员行为提起的法律诉讼。 ...

为落实新时代信访工作要求，进一步加强和改进信访工作，金融监管总局近日印发《信访工作办法》， 自2025年6月1日起施行。《信访工作办法》包括总则、信访工作体制、信访事项的提出和受理、信访事 项的办理、监督和追责、附则等六章共52条。主要内容包括：一是构建各级系统和行业信访工作联席会 议机制，加强对金融机构信访工作的指导，压紧压实金融机构化解矛盾纠纷的主体责任。二是充分发挥 调解、和解在金融纠纷多元化解中的积极作用，从制度层面为群众提供全方位、更便利的矛盾纠纷解决 方案。三是坚持依法分类处理信访诉求，切实解决合理合法诉求，做好"送上门来的群众工作"。《信访 工作办法》发布实施将有利于推进金融监管总局系统信访工作法治化，进一步规范受理办理程序，依法 分类处理群众信访诉求，更好保护信访群众合法权益。 ...

据第一财经报道，美债是支撑美国政府和经济的重要根基，其重要性已经显露。彼时，美国国债遭遇大幅抛售——不少 市场人士就预判，此次美股无法做到的事情，美债市场也许能做到，即美债收益率的大幅持续攀升会令特朗普政府在对 等关税政策上"眨眼"。市场人士强调，此次导致美债和美元指数下跌的原因更加结构性、系统性。 美国总统特朗普（资料图） 中辉期货资管部投资经理王维芒表示，尽管特朗普暂缓对部分国家加征关税，但政策的不确定性加剧了市场对美国经济 衰退和通胀反弹的预期，削弱了美债的避险属性。另外，对冲基金通过高杠杆做多美债现券、做空期货，依赖低波动率 环境套利。特朗普关税政策引发市场剧烈波动，波动率指数飙升至年内高点，导致基差交易爆仓，基金被迫抛售现券以 补充保证金。当前基差交易规模已达1万亿美元，平仓压力导致长债收益率飙升。与美债收益率关系密切的降息进程，近 期变数颇多。 近年来，美国政府对美联储政策的干预逐渐增强。特朗普在二次执政期间，已多次对美联储的决策表达不满并施加压 力，这使得外界对美联储能否独立、科学地制定货币政策产生了担忧。今年2月，特朗普签署了一项行政命令，宣称"掌 握重大行政权力的官员必须接受民选总统的监督" ...

Group 1 - The core viewpoint emphasizes the comprehensive implementation of warning education by the Lingcheng Financial Supervision Bureau, integrating it into annual key work and training plans [1] - The bureau has developed a detailed implementation plan focusing on six main subjects and 24 specific work items, enhancing mechanisms for daily learning, progress tracking, information reporting, and supervision [1] - The bureau has established a "Warning Education Day" platform for self-reflection and organized various activities to promote integrity and compliance among staff and their families [1][2] Group 2 - The bureau has created a "Warning Education Space" and organized exhibitions and film screenings to promote integrity education, aiming for a "zero distance" approach to warning education [2] - A "Lincheng Red Sail" publication has been launched to regularly promote integrity culture, alongside the establishment of a "Clean Wind Foundation" column and a "Integrity Mailbox" [2] - The bureau has compiled a "Clean Handbook" containing essential regulations and case studies, ensuring that all staff members engage with it regularly [2] Group 3 - The bureau has identified 27 risk points in regulatory ratings, on-site inspections, and complaint handling, integrating these into warning education activities [3] - A series of regulatory checks and discussions have been conducted, including 11 policy implementation meetings and 33 on-site supervision sessions, to enhance integrity supervision [3] - The bureau promotes a model of "joint research + non-site supervision + on-site inspection" to develop the capabilities of young staff through practical experience [3]

5月7日，三大金融管理部门在国新办发布会上宣布了一揽子金融政策，支持稳市场稳预期。对资本市场 而言，此次一揽子金融政策通过"稳预期""引活水""强根基"三个维度层层递进，增强资本市场韧性。 稳预期：重塑市场信心之锚 经济是资本市场信心之锚。稳住经济预期，就稳住了投资者对资本市场的价值认知。 此次发布会上，央行宣布了三大类政策：一是数量型政策，如降准0.5个百分点，释放长期流动性约1万 亿元；二是价格型政策，如调降政策利率0.1个百分点、调降结构性货币政策工具利率0.25个百分点；三 是结构型政策，如设立5000亿元的服务消费与养老再贷款，加强商业银行对服务消费和养老的信贷支 持。 同时，金融监管总局围绕当前经济的薄弱点——房地产、小微民企和受关税影响较大的市场主体，推出 了相应的融资、扶持增量政策。例如，制定实施银行业保险业护航外贸发展系列政策措施，对受关税影 响较大的市场主体提供精准服务，全力帮扶稳定经营、拓展市场。 值得注意的是，此次一揽子金融政策不仅求"稳"，也求"进"。"进"体现在对新质生产力的培育上。央行 不仅增加了3000亿元科技创新和技术改造再贷款额度，还提出创设科技创新债券风险分担工具，和金融 ...

2025.05. 08 本文字数：2394，阅读时长大约4分钟 导读 ：美国市场动荡以及经济放缓预期上升之际，特朗普政府又将对数家美国最高金融监管机构裁员，裁员人数总 计预计将达2300多，为数十年之最。 作者 | 第一财经 后歆桐 4月初以来，由于美国总统特朗普关税政策反复带来的不确定性，全球对美国经济增速放缓预期上 升，美元资产遭遇反噬，美国市场动荡不断。隔夜美联储也依旧表示不急于降息，并无救市之意。 值此之际，特朗普政府又计划对数家美国最高金融监管机构裁员，裁员人数总计预计将达2300多， 包括银行审查员、刑事调查人员和经济学家，为近几十年来美国政府针对金融监管机构的最大裁员规 模。 美国民众抗议特朗普政府的裁员（来源：新华社） 金融监管机构遭遇几十年来最大规模裁员 此次裁员涉及的美国最高金融监管机构包括联邦存款保险公司（FDIC）、美国货币监理署（OCC） 和美国证券交易委员会（SEC）。这些机构负责监管银行、交易所和公开市场。对于该裁员计划， 上述三家机构的代表均拒绝置评。 与此同时，各机构也正在迅速调整其员工组成政策。OCC表示，将合并以前根据银行规模量身定制 的监管团队，SEC已重组其地区办事处 ...

Core Viewpoint - The Financial Regulatory Administration is enhancing support for private enterprises, particularly in high-tech and emerging industries, through targeted financial services and innovative financing mechanisms [1][2][3]. Group 1: Investment and Financing Support - The administration is promoting the integration of investment and financing by establishing 74 private equity investment funds and facilitating technology enterprise mergers and acquisitions loans in 18 pilot cities [1]. - As of the first quarter of this year, the loan balance for high-tech enterprises reached 17.7 trillion yuan, reflecting a year-on-year growth of 20% [1]. Group 2: Support for Small and Micro Enterprises - Specific measures have been introduced to support small and micro private enterprises in foreign trade and consumption, including a dedicated financing coordination mechanism for foreign trade [2]. - The administration has provided over 240 billion USD in export credit insurance in the first quarter, with significant increases in sectors like electronic information and modern chemicals [2]. Group 3: Credit and Insurance Innovations - The administration is optimizing credit supply policies for small and micro enterprises, offering preferential risk capital weights and increasing the tolerance for non-performing loans [3]. - New insurance products are being developed to address the needs of private enterprises, including those in high-tech fields and for flexible employment groups [4]. Group 4: Information Sharing and Risk Mitigation - A mechanism for coordinating financing for small enterprises has been established, resulting in the issuance of 12.6 trillion yuan in loans at an average interest rate of 3.66% [5]. - Government-backed financing guarantees for small enterprises have reached 1.88 trillion yuan, with a year-on-year growth of 11.5% [5].