金融教育宣传周 | 金融消费者八大权利 THE EIGHT RIGHTS OF FINANCIAL CONSUMERS

2015年11月13日，国务院办公厅发布了《关于加强金融消费者权益保护工作的指导意见》，明确了金融机构消费者权益保护工作的行为规范，要求金融机构充分尊重并自觉保障金融消费者的财产安全权、知情权、自主选择权、公平交易权、受教育权、信息安全权等基本权利，依法、合规开展经营活动，这是首次从国家层面对金融消费者权益保护进行具体规定，强调保障金融消费者的八项权利。

On November 13, 2015, the General Office of the State Council of the People's Republic of China issued Guiding Opinions on Strengthening the Protection of Financial Consumers' Rights and Interests, which specified the behavioral norms for financial institutions to protect consumers' rights and interests. Financial institutions are required to fully respect and consciously protect financial consumers' right of property safety, right of information, right of choice, right of fair trade, right of claim according to the law, right to education, right to be respected, and right of information safety,among others, and carry out business activities by law. These opinions make the first national-level specific provisions for protecting financial consumers' rights,emphasizing the protection of eight rights of financial consumer.

保障金融消费者财产安全权

Protecting financial consumers' right of Property Safety

金融机构应当依法保障金融消费者在购买金融产品和接受金融服务过程中的财产安全。金融机构应当审慎经营，采取严格的内控措施和科学的技术监控手段，严格区分机构自身资产与客户资产，不得挪用、占用客户资金。

Financial institutions shall guarantee the property safety of financial consumers in the process of purchase of financial products and acceptance of financial services. Financial institutions shall conduct business operation in a prudent manner, take strict internal control measures and scientific technical monitoring means, and strictly distinguish assets of institutions and assets of clients, and shall not misappropriate or occupy capital of clients.

保障金融消费者知情权

Protecting financial consumers' right of Information

金融机构应当以通俗易懂的语言，及时、真实、准确、全面地向金融消费者披露可能影响其决策的信息，充分提示风险，不得发布夸大产品收益、掩饰产品风险等欺诈信息，不得作虚假或引人误解的宣传。

Financial institutions shall use simple and easy-to-understand

language to timely disclose to financial consumers the

all-round true and accurate information which may affect

their decisions, and provide adequate risk warnings, and shall

not publish the deceptive information that exaggerates return

on products and conceals product risks, or conduct false or

misleading publicity.

保障金融消费者自主选择权

Protecting financial consumers' right of Choice

金融机构应当在法律法规和监管规定允许范围内，充分尊重金融消费者的意愿，由消费者自主选择、自行决定是否购买金融产品或接受金融服务,不得强买强卖，不得违背金融消费者意愿搭售产品和服务，不得附加其他不合理条件，不得采

用引人误解的手段诱使金融消费者购买其他产品。

Financial institutions shall , within the scope permitted by laws and regulations and regulatory provisions, fully respect the freedom of financial consumers, letting them to choose and decide at their sole discretion whether to purchase financial products or accept financial services, and shall not force purchase or sale, or tie products or services contrary to the willingness of financial consumers, or impose other unreasonable conditions, or take misleading measures to induce financial consumers' purchase of other products.

保障金融消费者公平交易权

Protecting financial consumers' right of Fair Trade

金融机构不得设置违反公平原则的交易条件，在格式合同中不得加重金融消费者责任、限制或者排除金融消费者的合法权利，不得限制金融消费者寻求法律救济途径，不得减轻、免除本机构损害金融消费者合法权益应当承担的民事责任。Financial institutions shall not impose unfair transaction conditions,or increase responsibilities of financial consumers or limit or preclude legitimate rights of financial consumers in a standard contract, or restrict financial consumers from seeking legal remedies, or reduce or exempt their civil liability arising from jeopardizing the legitimate rights and interests of financial consumers.

保障金融消费者依法求偿权

Protecting financial consumers' right of Claim According To The Law

金融机构应当切实履行金融消费者投诉处理主体责任，在机构内部建立多层级投诉处理机制，完善投诉处理程序，建立投诉办理情况查询系统，提高金融消费者投诉处理质量和效率，接受社会监督。

Financial institutions shall fully perform their responsibilities in dealing with complaints from financial consumers, establish a multilevel internal handling mechanism for complaints. improve complaint handling procedures. set up a system for inquiring complaint handling progress. improve the quality and efficiency of the handling of the complaints from financial consumers, and accept social supervision.

保障金融消费者受教育权

Protecting financial consumers' right of Consumer Education

金融机构应当进一步强化金融消费者教育，积极组织或参与金融知识普及活动，开展广泛、持续的日常性金融消费者教育，帮助金融消费者提高对金融产品和服务的认知能力及自我保护能力，提升金融消费者金融素养和诚实守信意识。

Financial institutions shall further strengthen the training for financial consumers, actively organize or participate in financial knowledge promotion activities, launch extensive and long-standing routine training for financial consumers, and help financial consumers to improve their cognition of financial products and services as well as self-protection ability to improve financial consumers' financial literacy and awareness of integrity.

保障金融消费者受尊重权

Protecting financial consumers' right of Respected

金融机构应当尊重金融消费者的人格尊严和民族风俗习惯，不得因金融消费者性别、年龄、种族、民族或国籍等不同进行歧视性差别对待。

Financial institutions shall respect the human dignity and local customs and habits of financial consumers, and shall not discriminate against financial consumers on grounds of sex, age, race, or ethnic or national origin.

保障金融消费者信息安全权

Protecting financial consumers' right of Information Safety

金融机构应当采取有效措施加强对第三方合作机构的管理，明确双方权利义务关系，严格防控金融消费者信息泄露风险，保障金融消费者信息安全。

Financial institutions shall take effective measures to strengthen the management of third-party partners by clarifying the rights and obligations of both parties and strictly preventing and controlling the risk of information disclosure by financial consumers to protect the information security of financial.