金融消費者權(quán)益保護的八大權(quán)益

The Eight Rights of Financial Consumers

01保障金融消費者財產(chǎn)安全權(quán)

Protection of Financial Consumers' Right to Property Security

金融機構(gòu)應(yīng)當(dāng)依法保障金融消費者在購買金融產(chǎn)品和接受金融服務(wù)過程中的財產(chǎn)安全。

Financial institutions shall ensure the security of financial consumers' property according to law when they purchase financial products or receive financial services.

02保障金融消費者知情權(quán)

Protection of Financial Consumers' Right to Information

金融機構(gòu)應(yīng)當(dāng)以通俗易懂的語言，及時、真實、準確、全面地向金融消費者披露可能影響其決策的信息，充分提示風(fēng)險。

Financial institutions shall provide financial consumers with timely, true,accurate, and comprehensive information that could influence their decisions. This information should be communicated clearly and understandably, with a strong emphasis on risk disclosure.

03保障金融消費者自主選擇權(quán)

Protection of Financial Consumers' Right to Independent Choice

金融機構(gòu)應(yīng)當(dāng)在法律法規(guī)和監(jiān)管規(guī)定允許范圍內(nèi)，充分尊重金融消費者的意愿，由消費者自主選擇、自行決定是否購買金融產(chǎn)品或接受金融服務(wù)。

Financial institutions shall fully respect financial consumers' autonomy to the extent permitted by laws, regulations, and regulatory, requirements, allowing them to make independent decisions regarding the purchase of financial products or acceptance of financial services.

04保障金融消費者公平交易權(quán)

Protection of Financial Consumers' Right to Fair Transactions

金融機構(gòu)不得設(shè)置違反公平原則的交易條件，在格式合同中不得加重金融消費者責(zé)任、限制或者排除金融消費者的合法權(quán)利。

Financial institutions shall not establish transaction conditions that violate the principles of fairness,nor should they increase financial consumers' responsibilities, or restrict, or exclude their legal rights within standard contracts.

05保障金融消費者依法求償權(quán)

Protection of Financial Consumers' Right to Legal Redress

金融機構(gòu)應(yīng)當(dāng)切實履行金融消費者投訴處理主體責(zé)任，在機構(gòu)內(nèi)部建立多層級投訴處理機制，完善投訴處理程。

Financial institutions shall fully assume primary responsibility for handling financial consumer complaints, establishing a multi-tiered complaint resolution mechanism within their organizations and improving complaint handling procedures.

06保障金融消費者受教育權(quán)

Protection of Financial Consumers' Right to Education

金融機構(gòu)應(yīng)當(dāng)進一步強化金融消費者教育，積極組織或參與金融知識普及活動，開展廣泛、持續(xù)的日常性金融消費者教育。

Financial institutions shall further strengthen financial consumer education by actively organizing or participating in financial literacy initiatives, and carrying out widespread and ongoing educational activities for financial consumers.

07保障金融消費者受尊重權(quán)

Protection of Financial Consumers' Right to Respect

金融機構(gòu)應(yīng)當(dāng)尊重金融消費者的人格尊嚴和民族風(fēng)俗習(xí)慣。

Financial institutions shall respect the personal dignity and national customs of financial consumers.

08保障金融消費者信息安全權(quán)

Protection of Financial Consumers' Right to Information Security

金融機構(gòu)應(yīng)當(dāng)采取有效措施加強對第三方合作機構(gòu)的管理，明確雙方權(quán)利義務(wù)關(guān)系，嚴格防控金融消費者信息泄露風(fēng)險，保障金融消費者信息安全。

Financial institutions shall take effective measures to strengthen the management of third-party partners, clearly define mutual rights and obligations, rigorously prevent the risk of financial consumer information leakage, ensuring the security of consumer data.