This method comprehensively and systematically evaluates the protection of consumer rights and interests in banking and insurance institutions from the aspects of institutional mechanism construction, system construction and internal control, implementation of consumer rights and interests protection measures, information security and external comprehensive evaluation.
Through the supervision and evaluation of the protection of consumers' rights and interests of bank insurance institutions, we can better guide and urge bank insurance institutions to operate in compliance with the law, implement various measures to protect consumers' rights and interests, enhance consumers' satisfaction and trust, and establish a good corporate image.
In addition, the measures also emphasize the main responsibility of bank insurance institutions in protecting consumers' rights and interests, and require bank insurance institutions to establish and improve the organizational structure, institutional system, working mechanism and internal control of consumer rights and interests protection to ensure that consumers' rights and interests are fully protected.
Main contents of Measures for the Administration of Consumer Rights Protection of Banking Insurance Institutions
1, General Provisions: The purpose, scope of application, responsible subjects, consumer obligations and other related contents of the provisions are clarified.
2. Working mechanism and management requirements: It is stipulated that bank insurance institutions should incorporate consumer rights protection into corporate governance, corporate culture construction and business development strategies, establish and improve consumer rights protection systems and mechanisms, and make consumer rights protection requirements run through all aspects of business processes.
3. Consumer rights protection review mechanism: Banks and insurance institutions are required to establish a consumer rights protection review mechanism to review the products and services provided to consumers from the aspects of design and development, pricing management, agreement making, marketing and publicity, so as to prevent violations of consumers' legitimate rights and interests from the source.
4. Information disclosure mechanism for consumer rights protection: Banks and insurance institutions are required to establish and improve the information disclosure mechanism for consumer rights protection, and follow the principles of truthfulness, accuracy, completeness, timeliness and fairness to disclose information related to financial products and services to consumers.
5. Consumer education and rights protection: Banks and insurance institutions should carry out consumer education activities to improve consumers' financial literacy and risk prevention awareness, and at the same time establish and improve consumer rights protection mechanisms to handle consumer complaints and disputes in a timely manner.
6. Supervision and management: China Banking Regulatory Commission and its dispatched offices shall supervise and manage the consumer rights protection activities of banking and insurance institutions according to law.
7. Legal liability: China Banking Regulatory Commission may take corresponding regulatory measures against bank insurance institutions that violate these Measures, including ordering them to make corrections, imposing fines, and suspending business for rectification.
For the above contents, please refer to Baidu Encyclopedia-Administrative Measures for the Protection of Consumer Rights and Interests of Banks and Insurance Institutions.