Heilongjiang News Network News (Peng Jingru)Strengthening the protection of the rights and interests of financial consumers is an important part of preventing and resolving financial risks, and has positive significance for enhancing the confidence of financial consumers and promoting social fairness and justice. Bank of Communications fully implements the decisions and arrangements of the CPC Central Committee and the State Council, earnestly implements the work requirements of the People’s Bank of China and the China Banking and Insurance Regulatory Commission, always implements the “people-centered” development concept, strengthens support and guarantees for financial products and services, and protects financial consumers in the long run. and fundamental interests as the starting point and end point, and continuously enhance the sense of gain and security of financial consumers.
Focus on “one old and one young” and new citizens to accurately solve the “digital divide”
Bank of Communications continues to carry out digital, omni-channel and high-frequency online and offline financial knowledge popularization and education activities for consumers, actively conducts financial literacy research on consumers, and continuously conducts public account, video account, official website and mobile banking every month. The APP’s resident column “Jiaojiao said consumer protection” helps consumers see through the scams of illegal financial activities and improves consumers’ financial security awareness and risk awareness. At the same time, combined with the education in the halls of business outlets, various centralized activities such as sending financial knowledge into communities, campuses, business circles, and enterprises are carried out to help consumers understand professional financial and risk prevention knowledge.
Bank of Communications actively participated in the “3.15 Financial Consumer Rights Day” activities of the People’s Bank of China and the “3.15” Consumer Education and Publicity Week activities of the China Banking and Insurance Regulatory Commission. On March 1, Bank of Communications and the National Anti-Fraud Center jointly released the short video “Opaque Glass”, which triggered a good social effect once it was launched. Bank of Communications will also successively launch the H5 mini game “I am a Financial Education Publicity Ambassador”, a collection of special topics of “3.15 Must-Learn Knowledge Collection”, the second volume of “Grow with You”, and the education upgrade task of “Planet Member” , special Q&A on financial knowledge, “Beware of illegal “agent rights protection”, refuse to participate in malicious complaints” long graphic and other content.
Improve the construction of system and mechanism, consolidate the basic guarantee of consumer rights protection
Bank of Communications has always attached great importance to the protection of consumer rights. As early as 2015, Bank of Communications has incorporated consumer rights protection into its corporate governance and business development strategies, and established social responsibility and consumer rights protection in the board of directors and senior management. The committee and the consumer rights protection work committee have formed a dual-committee work system for consumer rights protection work. A full-time consumer rights protection department has been established, staffed with full-time consumer rights protection management positions, and efforts are made to promote the implementation of consumer rights protection.
In recent years, Bank of Communications has made great efforts to solve the problem of people’s “urgency, difficulties and worries”, and continuously established and improved the consumer rights protection mechanism to fundamentally guarantee the legal compliance of business activities. Unremittingly focus on the whole-process management and control of consumer rights protection, deeply integrate business development, key products and services, and effectively promote complaint management, consumer protection review, education and publicity, consumer protection training, information protection, legal publicity, appropriateness management, and information In terms of disclosure and other work, consumer protection requirements are applied throughout all channels, scenarios and links of the business, expanding the scope of financial services and helping to build a harmonious financial ecological environment.
Do a good job in the whole process management and control to be responsible and responsible for the soil
Bank of Communications closely focuses on key areas, improves product pre-sale, mid-sale and after-sale links, refines service processes, and persistently controls the entire process of consumer rights protection. Strictly implement comprehensive consumer protection review, do a good job in information disclosure, implement sales suitability management, and provide appropriate products to appropriate consumers. The solution efficiency, standardized operation, problem analysis and traceability rectification have been established, and a diversified institutional system for resolving financial disputes has been established.
The relevant person in charge of Bank of Communications said that in the protection of consumer rights and interests, “Though the road is long, those who are difficult to do will surely succeed.” Technology drives financial reforms, focusing on the country, the future, and consumers. Bank of Communications will continue to be committed to doing Do a good job in protecting the rights and interests of consumers, create a fair and just financial consumption environment, escort consumers, and create a better financial life.
Keywords-Consumer, Finance, Banking, Protection, Rights
Website Editor-Mao Jiawen