In general, mobile phones and video clips are used by all, more or less, for a variety of financial transactions, funds and loans。
The savings that ordinary people have saved so hard to save, they want to make a real difference, they don't want to follow the wind, they don't want to lose money, but the web is full of money growers, directs money, exaggerates money, makes it easy for ordinary people to see the risks and throws it out。
Many people buy financial products only on the basis of superficial recommendations, do not understand the underlying logic, do not have a complete financial literacy system, lose a lot of money after buying in with the wind, and suffer in vain。
The security of the people's legitimate property and the stability of their daily investments have always been the focus of attention。
On april 24, 2026, the central bank, in a joint multisectoral effort, officially issued a new regulation to deal with the marketing of financial networks from the source, prohibiting the media from charging randomly and recommending financial products, and adjusting the names of a large number of non-compliant accounts, protecting all aspects of ordinary people’s money bags, and eliminating irregularities。
The financial products network marketing management scheme will be implemented by 30 september 2026, not only as a short-term restructuring of the industry, but also as a profound change in the overall internet financial marketing landscape, completely squeezing the space for speculation and returning the financial industry to a sound and public service。
The internet has become financially normal, and ordinary people are exposed to hidden problems
The internet now fully permeates daily life and finances are no longer the exclusive preserve of professionals, and funds, finances, insurance and credit products can be purchased through short video, live booths, easy access to public numbers and a single key。
The ease with which online finance is fast and the lower threshold allows for easy access to wealth management by the general wage earners and older and middle-aged groups is a good thing for the people。
Behind the rapidly evolving landscape is the growing problem of industrial irregularities。
(a) individuals without professional qualifications, who have turned into financial producers by means of traffic, make free market evaluations, recommend fund shares and charge high promotion fees
Part of the marketing content deliberately conceals risks, speaks only of high returns, without reference to the probability of loss, and misleads public and wind investment with short-term bright performance
By default, payment pages bind credit, blur the product attributes and slip into unnecessary borrowing
There is also a large number of accounts misusing the words of financial, financial and wealth advisers to mislead the public into thinking that they are formal professional bodies。
The vast majority of ordinary people do not have systematic financial knowledge, are unable to distinguish between formal products and irregularity, and are chosen to look only at the recommendations of the organizers and at the benefits of publicity, just as they see only a small fraction of the surface of the iceberg, where the enormous risks are totally invisible。
In the event of market fluctuations and the explosion of products, the first to suffer losses are ordinary households。
Family pensions, daily allowances and hard-earned deposits have been significantly reduced by blind financial management, affecting not only the quality of life but also the risk of family conflicts and disrupting normal financial order。
Finance itself is a tool to serve the livelihood of the people and to contribute to a robust and value-added of wealth. It should not become a channel for a few people to make quick money and cut ordinary cabbage。
It is urgent to protect the financial interests of citizens and to regulate financial advocacy on-line, and to regulate the management of the damage, both as a matter of regulating the development of the industry and of safeguarding the interests of all families。
Eight departments together
The eight branches of the central bank, the ministry of industry and communications, the general financial supervisory authority and the cvm jointly issue the financial products network marketing scheme, which is the most comprehensive, restrictive and accountable financial network marketing regulation in the country. It covers all financial items, including deposits, funds, finances, insurance, loans, securities and foreign exchange, and covers all online channels, such as short video, live broadcasts, public sign and platform advertisements, which were formally implemented on 30 september 2026。
The new regulations make explicit and mandatory requirements from marketing qualifications, account naming, advertising, division of responsibilities, platform control, each of which is consistent with ordinary people's financial distress and directs long-term disruptions in the industry。
1 since the press is strictly forbidden to talk, undocumented individuals cannot introduce financial products
The new regulations make it clear that non-licensed financial institutions, individuals with no formal qualifications, may not charge fees for evaluating, recommending or marketing financial products。
In the past, many financial networks, red-hot and flow owners, who had no access to funds, invested their securities in the relevant legal qualifications and charged them on the basis of fan-flow bills, offered free advice on buying and selling products, pre-empted the fall, and misled the public and the wind。
When the new regulations are put in place, there is a general ban on such actions as the offer of money for payment, the evaluation of stock markets and the live transmission of financial goods。
Only officially licensed financial institutions and licensed professionals, with official authorization, are able to carry out information campaigns on the financial products line, and individuals cannot pay their own fees for financial promotion and completely cut off the way for speculators to make money on their own。
A large number of financial accounts must be renamed and the use of financial-related words is prohibited
The method is strictly named and controlled in response to the obscurity of accounts: there are no accounts, websites, micro-programs that correspond to the qualifications of financial operations and no sensitive financial terms such as finance, finance, funds, securities, loans, wealth management, investment advisers, insurance, exchanges, etc。
Many individuals have deliberately raised their financial account numbers from the media, impersonating professional bodies to mislead the public into trust, and all such accounts will need to be changed as a result of the implementation of the new regulations, which must match their actual qualifications and must not be falsely packaged。
Ordinary people are able to distinguish between regular account numbers and wild bloggers at once and are not deceived by false names。
3x3 total prohibition of misleading speech, high-income, second-to-second publicity, all shut down
The online financial sham-advocacy package was completely blocked by explicitly banning a range of abusive marketing terms。
It is not allowed to promote the right-to-conservation policy, to make good money, to make high-risk returns; it is not allowed to mislead long-term investments with extreme short-term performance; it is not allowed to exaggerate insurance earnings, to dissimilarize insurance and bank deposits; it is not allowed to use low-threshold, second-second bills, low-interest intelligence propaganda; and it is not allowed to deceive investors with false data and unverified information。
At the same time, the payment counter strictly distinguishes between payment instruments and credit products, does not acquiesce in the selection of loans, does not bind to induce borrowing, avoids unwitting debts on the backs of the population, from language to page presentation, and eliminates all aspects of misleading consumption and blind investment。
4- clarify the tripartite responsibility, who sells and who is responsible, and the violation is accountable
The new regulations clearly delineate the tripartite responsibilities of financial institutions, internet platforms and individuals from the media, and there are no more cases of mutual intimidation and lack of access to justice。
Financial institutions are fully accountable for their own marketing content, scrutinize product risk and publicity information; screen, qualify, and not tolerate irregular flows or private transactions on third-party platforms; and assume direct legal liability for financial marketing violations by individuals。
The platform cannot transfer funds privately, engage in trade in products and conduct risk assessments, and all investment jumps must go directly to the official channels of financial institutions to eliminate the profit from middle-link box operations。
It's not just marketing, it's making up for short-term financial management under the iceberg. Board
Many people invest in losses and losses, ostensibly through the purchase of the wrong product, rooted in the absence of a complete financial knowledge system, a lack of risk rating, a lack of product rules and a lack of market logic。
As in the case of icebergs, the simple operation of buying and selling products is not seen in the rules of risk fluctuations, bottom assets, holding periods, losses. Buying from the wind, blinding from the wind, catching up and killing, however restraining publicity is, remains easy to cross。
This new regulation is not just a simple attempt to tame the image, prohibit the spread of irregularities, but, more deeply, is intended to lead the whole industry in a direction of development。
In the past, the industry used to attract users in a short-term way, compared to the flow of charades, and in the future financial institutions needed to focus on long-term investor education and develop normal financial literacy。
More common and comprehensible financial literacy, with risk, rules, financial logic, and the ability of ordinary people to manage money, identify risks, not be blind, not follow. It is not necessary to attract investment without a red-hot head, to lure trade without a jargon, and to support rational investment with solid financial knowledge。
It is the understanding of products, the recognition of risks, and the self-determination and rational choice of means of managing finances that will ensure the preservation of wealth in the long term and that will be at the heart of the healthy development of the financial sector。
It's like getting off the field for the good of ordinary people
Many feel that tighter regulation limits financial convenience online, and that, on the contrary, after strict regulation, ordinary people can only invest in a safer, more transparent and less costly financial environment。
The market is no longer held hostage by short-term flows of speculation, as well as by large numbers of people who collect money from the diaspora; compliance-holders operate in a regularized manner, with more complete and transparent information disclosures, and product risks being properly communicated; and financial management is no longer recommended by the owner, but is based on personal perception, rational judgement and choice of affordability。
For the formal financial sector, bad competition, low prices, false marketing disorder are like a complete clean-up, bad currency is no longer subject to eviction, and institutions that serve, control and educate investors are well developed。
The industry is moving away from short-term impatience, towards long-term robust operations, a fairer and more equitable financial market, and a true return to financial services that serve the people and contribute to the steady growth of wealth。
Older and middle-aged groups are not deceived by false financial frauds, wage families are not blindly losing their savings, and the wealth accumulated by ordinary people is strongly protected。
Internet finance is no longer mixed, every investment, every loan is clear and transparent, and people are free to spend their money and keep it safe, without fear of being set up or being put into trouble。
People must look after their money
The new rules are about to be laid down, and it is important that the day-to-day investment in finance be well used to avoid all hidden risks:
First, there is no confidence in the private initiative of any individual organizer, the fund, the pledge to secure high returns, and to stay away from private fees to direct financial management。
Secondly, it is not confused by the name of a fancy account, which has no official financial licence, no public qualification, no reference, no follow-up and no transfers。
Thirdly, recognizing that there is a risk in all financial transactions, banks are unable to keep their financial and fund products in absolute terms and are not blind to short-term hot products。
Fourth, there is no free access to strange physical links, no private participation in online investment exchanges, and all financial operations are conducted only through the official channels of banks and formal holders。
Fifthly, active learning is based on financial literacy, without investment beyond perception, without knowledge, without knowledge, without knowledge, against risk with knowledge, rather than on luck。
The security of the people's property is guaranteed only when financial markets are stable and orderly. Instead of limiting people's ability to manage their finances, the regulatory retrenchment of the financial network will remove the fences, clear the pitfalls, and allow everyone to participate in the management of wealth。
The new regulations of 30 september 2026 were put into effect, and the entire financial marketing of the internet was completely shuffled, speculative arbitrage was completely lost and a new era of sound, transparent and transparent finance for the benefit of the people was reached。
Have you ever done anything on the internet that recommends money management and exaggerates gains? Do you think the most important thing about finance is whether it's about product or financial knowledge? Welcome to the comment section
