Citizens actively participated in the education and publicity activities on the protection of financial consumer rights and interests under the theme of "Pooling Financial Strength for a Better Life". Photo courtesy of the organizer.
Improve financial literacy and keep your money in check. "Stay away from illegal intermediaries and value your personal credit history. "Intensify the publicity of financial knowledge and issue risk warnings in a timely manner" ......
The protection of the rights and interests of financial consumers is a matter of concern to thousands of households and the vital interests of everyone. Since the beginning of this year, the financial regulatory authorities in many places, together with relevant departments, have held education and publicity activities on the protection of the rights and interests of financial consumers, popularizing basic financial knowledge, prompting financial risks, advocating the concepts of rational consumption and value investment, and establishing the concept of finance for the people, financial benefits and financial convenience.
Recently, led by the Fujian Provincial Local Financial Supervision and Administration Bureau, with the joint participation of the Fujian Branch of the People's Bank of China and the Fujian Supervision Bureau of the State Administration of Financial Supervision and Administration, and jointly organized by the Fujian Local Financial Association and Qifu Technology, the "Gathering Financial Strength to Create a Better Life" financial consumer rights protection education and publicity activity and the unveiling ceremony of the Fujian Local Financial Association were held in Fuzhou.
The participants said that increasing the education and publicity of financial consumer protection, enhancing the risk awareness of financial consumers, and combating financial chaos are not only the basic work to protect the legitimate rights and interests of financial consumers, but also an important measure to create a clear environment in the financial industry and focus on preventing and resolving financial risks.
Regulatory guidance: Call on all parties to work together to govern.
Gather financial forces to create a better life" financial consumer rights protection education and publicity activities. Photo by People's Daily reporter Li Tong.
The meeting focused on the theme of "cracking down on the financial black and gray industry and creating a good environment for the industry". The participants said that financial black and gray industry intermediaries signed service agreements with consumers in the name of "**", collected deposits, and induced consumers to provide personal privacy information such as ID cards, bank cards, and home addresses, and then repeated malicious complaints to the regulatory authorities or petition departments, taking the opportunity to make high ** fees. In the process, criminals may use consumers' personal information to carry out illegal and criminal activities such as fraud and illegal fundraising. Even if consumers are unaware of online lending, they may face risks such as fraud, loss of funds, and credit damage. This phenomenon urgently needs to be rectified by all walks of life.
The malicious complaints and reports made by black and gray industry organizations to the regulatory authorities or petition departments have disrupted the normal business order of financial institutions, and have led to the development of enterprise-related customer complaints from the uniform distribution of various types of claims in the past to focusing on a few areas, maliciously squeezing customer complaint service resources, and infringing on the legitimate rights and interests of platforms and other financial consumers, which requires relevant departments to cooperate with all parties to jointly govern. Xu Qinghong, senior vice president of Qifu Technology, said.
Joint action: Establish a long-term mechanism to combat black and gray production.
According to reports, in recent years, Fujian Province has carried out actions to crack down on bad complaints in the financial sector and optimize the business environment, and the financial supervision, market supervision and public security departments have carried out joint crackdowns for many times, and specially issued the "Notice on Preventing Bad Complaints and Reporting Risks in the Financial Field and Optimizing the Business Environment".
Industry insiders believe that the current trend of organization, scale and industrialization of the financial black and gray industry has emerged, and it has increased the difficulty of pre-monitoring and early warning by acquiring customers through hidden methods such as social softwareThe content of its drainage has a wide range of dissemination and breaks through the limitations of time and space, so it is necessary to form a joint force of multiple parties to build a long-term mechanism for three-dimensional and all-round crackdowns.
Some guests said that to purify the financial market environment, it is necessary for the regulatory authorities, the judicial department, the financial industry and consumers to work together. The regulatory authorities and judicial departments will further promote the scope of identification, legal liability and punishment standards for the financial black and gray industry, and handle complaints arising therefrom differentlyFinancial institutions and lending platforms should strengthen their awareness of compliance operations, improve mechanisms for protecting consumer rights and interests, and jointly build a joint prevention and anti-fraud databaseFinancial consumers should enhance their awareness of rational consumption and correct investment concepts, report problems through formal channels, and reasonably protect their legitimate rights and interests.
Build a strong line of defense: continue to strengthen education and publicity.
The relevant person in charge of the Fujian Provincial Local Financial Supervision and Administration Bureau said that the financial regulatory authorities, local financial associations, financial institutions and local financial organizations should continue to strengthen the education and publicity of financial consumers, advocate rational investment and reasonable consumption, and continuously improve consumer risk prevention awareness.
The participants said that financial institutions and local financial organizations should implement "borrower responsibility", and financial consumers should also recognize "risk". Financial consumers should be guided to correctly judge their own risk tolerance and rational consumption, strengthen their awareness of the rule of law and the spirit of contracts, choose formal channels when consuming financial products, and prudently treat processes such as contract signing and risk assessment.
All departments need to cooperate closely, strengthen coordination, and work together to grasp and manage together. The participants suggested that financial institutions and local financial organizations should strengthen compliance management, continue to sink the focus of financial knowledge popularization education and publicity, widely publicize financial consumption knowledge in a way that the masses like to see, and guide consumers to learn finance, understand finance, trust finance, and use finance, and continuously improve their ability to protect their legitimate rights and interests.
People's Daily reporter Li Tong.
*: People's Daily Online.