In september, the people's bank of china, the bank of china's people's bank, the bank of china, the bank of china, the bank of china, the bank of china, the bank of china, the bank of china, the bank of china, and the national network office will launch the 2022 financial literacy month. On 26 june, the people's bank, the bank, the bank, the board, the board and the national network office held a press conference to provide information on their activities。
Vi. Protection against illegal financial activities
The director-general of the financial consumer protection bureau of the people's bank of china, yu wengian, presented the main theme of the event, which was aimed at financial consumers and investors, promoting basic financial knowledge and financial risk prevention skills, developing risk tips and preventing illegal financial activities. Promoting scientific finance and rational borrowing by financial consumers and investors, promoting healthy societies and mutual enrichment. To channel the self-conscious resistance of financial consumers and investors to online financial rumours and negative financial energy, and to create a common space in which people can better share the fruits of financial reform and meet their needs for a better life。
The first is to focus on raising financial literacy and promoting financial literacy for the productive lives of financial consumers. The second is to promote scientific finance and rational borrowing to help financial consumers keep the “money bag”. Thirdly, focusing on key populations, financial literacy, hot spots, bridging the digital divide, etc., brings educational activities closer to society's public needs and promotes healthy financial development. Fourth is the provision of professional, accessible investor education services to protect the legitimate interests of investors. The fifth is to fight for good financial internet users and build a good spiritual home for the network. Sixth is the strengthening of financial risk alerts to identify and move away from illegal financial activities。
Focus on illicit insinuation and storage
Wang yi, director-general of consumer rights and protection, china's banking insurance supervisory board, stated that the activities should focus on four “focuss” and target financial literacy. Focusing on the focus groups, financial literacy education is organized at the “old and old” and new citizen levels to bridge the financial literacy gap for financial consumers. Focusing on financial literacy, education and awareness-raising on consumer credit, personal information protection, digital financial services, banking for breaking down the boom and high-frequency issues related to daily life, to enhance the ability of financial consumers to defend their legitimate rights and interests. Focused on hot spots, increasing risk alerts for violations of financial consumer rights and financial stability, such as illegal storage, financial fraud in the pension sector, telecommunications fraud, illegal agency advocacy, etc. Focusing on bridging the digital divide, continuing to increase financial literacy in the area of old age and older persons, promoting equity in consumption and effectively addressing the difficulties faced by special groups such as older persons and persons with disabilities in using smart technologies in the financial sector。
He stated that the bank's superintendence of insurance, on the basis of enhanced education and preventive protection for financial consumers, provided comprehensive protection of the legitimate rights and interests of consumers through a combination of measures, multipronged approaches, integrated application of institutional norms and oversight。
The 12386 hotline saved investors about $300 million
The deputy director-general of the investment protection bureau of the securities regulatory commission of china, lin lixia, stated that the country's capital market had exceeded 200 million individual investors, more than 90 per cent of whom were small and medium-sized investors with a market value of less than $500,000, protected their legitimate rights and interests, served the growing wealth management and economic and social development needs of the population and was incumbent upon the regulatory authorities。
Lin lixia stated that the 12386 hotline, an important window and platform for cvm investors, had been operating over the past nine years, with a cumulatively well processed number of about 800,000 investor claims, recovering about 300 million yuan in damages for investors and playing an active role in preventing financial risks, maintaining market and social stability and protecting the legitimate interests of investors. In the near future, the cvm will optimize the 12386 hotline, build the 12386 web platform, and the 12386 hotline, together, constitute the 12386 service platform, receive the four categories of claims from investors, report, consult, advise and advise, and deal with reasonable claims from investors in accordance with the law。
Central bank: don't blindly believe in high returns
In response to the question about how financial consumers distinguish between the authenticity of financial products, the director of the financial consumer protection board of the people's bank of china, yu wen jian, stated that we had summarized for financial consumers a set of small financial fraud-prevention stickers called “one by two by three by four”. “one look” is to determine whether the financial return and interest on the deposit are reasonable. Comrade guo xiaoqing, secretary-general of the people's bank and chairman of the banking insurance board, has reminded financial consumers and investors that high returns mean high risk, with a return of over 6 per cent calling a question mark, more than 8 per cent dangerous, and more than 10 per cent preparing to lose all principal. The second question is whether formal financial institutions or financial regulators should be asked when financial doubts arise. The “third check” is to check whether financial institutions have a licence to operate, whether financial products are in compliance and whether financial advertising is illegal. “four do not” means not trusting unknown information, not disclosing personal information at will, not opening undisclosed web links, and not transferring money easily。
In short, it is emphasized that everyone must shine their eyes, not blindly believe in the myth of high returns and overnight wealth, bearing in mind the need to choose formal channels and products and to stay away from illegal financial activities. (us$)
