State Administration of Financial Regulation: In 2023, the financial consumer protection education and publicity activities will reach nearly 4.8 billion financial consumers

CCTV Beijing, December 29 News On December 29, according to the website of the State Administration of Financial Regulation, since 2023, the State Administration of Financial Supervision has organized and carried out the "3.15" Consumer Rights Protection Education and Publicity Week and the "Financial Consumer Rights Protection Education and Publicity Month" activities, and has carried out more than 940,000 online and offline education and publicity activities, touching nearly 4.8 billion financial consumers, creating a social atmosphere of "learning finance, understanding finance, trusting finance, and using finance", and achieved good results.

Among them, in the "Financial Consumer Rights Protection Education and Publicity Month" in September 2023, the State Administration of Financial Supervision joined hands with the People's Bank of China, the China Securities Regulatory Commission and the Cyberspace Administration of China for the first time to coordinate the entire financial industry, carry out multi-level and multi-channel education and publicity with the theme of "Gathering Financial Forces and Creating a Better Life", vigorously promote positive financial energy, and jointly create a fair, just, honest and orderly financial environment. The event presented the following characteristics:

Coordinate the whole industry and form an education and publicity pattern with momentum, characteristics and bright spots. In terms of content, there are not only traditional newspapers, periodicals and television works that popularize financial knowledge and promote the culture of integrity, but also new media propaganda that reveals the risks of financial consumption and advocates rational investment, which are rich and colorful in content and close to the daily life of consumers. For example, Beijing and Shenzhen have focused on the needs of consumers for financial services and organized the compilation of a series of books and risk warning manuals, Fujian and Guangdong have combined financial knowledge with local culture and art to create consumer protection operas and interesting videos, and Shanghai and Qingdao have innovatively produced original songs and promotional videos to demonstrate the vivid practice of the financial industry in practicing social responsibility and strengthening service to the people.

In terms of form, there are not only educational products such as video programs, open courses, knowledge quizzes, and public service announcements, but also differentiated financial knowledge popularization for "one old, one young and one new", further expanding the breadth and depth of financial consumer education. For example, Liaoning and Hainan have carried out education and publicity interaction through "anti-fraud camps" and "garden parties"; Zhejiang, Ningbo and other organizations have set up financial volunteer service teams to show their financial style to Asian Games athletes and domestic and foreign guests; Sichuan and Gansu have put public welfare propaganda films, set up booths and organized propaganda in landmark buildings; Guizhou and Yunnan have adopted the model of "propaganda with ethnic characteristics + immersive interaction + household publicity" to send financial knowledge to ethnic minority areas.

Focusing on doing practical things, the financial industry has achieved remarkable results in the practice of serving the people, benefiting the people and benefiting the people. All localities have combined education and publicity with doing practical things for the people, not only launched a series of policies to benefit the people, but also handled the "key small things" that the masses can know and feel. For example, Hebei and Tianjin have supported post-natural disaster reconstruction and opened green channels for insurance claims; Jiangsu and Hunan have designed corresponding financial products and services to meet the financial needs of new citizens in key areas such as employment, housing, education, medical care, and pension; Shanxi and Xiamen have unblocked channels for withdrawing small deposits of deceased depositors and carried out activities to "find relatives under sleeping insurance policies"; Dalian and Jiangxi have promoted preferential interest rates, financial interest discounts, policy guarantees, and premium subsidies. Inner Mongolia and Tibet have made use of the "three rural" service points and village-based workstations to increase financial assistance to the masses in minority areas.

From the perspective of the industry, various types of financial institutions are based on industry positioning, sinking the focus of service, insisting on returning to the origin, serving the real economy, and actively helping enterprises and benefiting the people. The banking industry continued to strengthen convenient services and financial support measures, such as deepening fee reductions and concessions, launching digital products, and increasing policy tilt and support for small and micro enterprises and individual industrial and commercial households. The insurance industry has actively played the role of insurance protection, such as providing services such as damage investigation and claim payment in disaster-stricken areas, and providing occupational injury insurance protection for people who are not covered by the national work-related injury insurance system. The securities and futures industry urges the public fund industry to benefit investors, such as the management fee rate and custody fee rate of existing public fund products, and the upper limit of no more than 1.2% and 0.2%, and carry out the registration of the first batch of 20 floating management fee pilot products.

Highlighting new achievements, the education and publicity work on the protection of the rights and interests of financial consumers is more contemporary, overall, and inclusive. From the perspective of covering consumer groups, for the first time, all localities have carried out the "five entry" education and publicity activities in rural areas, communities, campuses, enterprises and business districts. Financial institutions have not only penetrated into rural and remote areas, such as Shanghai Island, Xiatianlong, and pastoral areas, but also entered science and technology parks, industrial parks, and business districts, extending financial education to densely populated communities, enterprises, and campuses, and have carried out more than 211,000 education and publicity activities. For example, Chongqing and Shandong have carried out demonstration construction of "bringing financial knowledge to campus" to promote the integration of financial education into classrooms; Henan and Shaanxi have made use of cultural and tourism resources to allow financial knowledge to settle in scenic spots, squares and other areas; Heilongjiang and Jilin have carried out mobile propaganda focusing on workers in old industrial bases, left-behind elderly growers, and professional athletes; Qinghai and Xinjiang have set up "horseback" and "golden pomegranate" financial propaganda groups to enhance the coverage of financial education in agricultural and pastoral areas.

From the perspective of the development of the service industry, various institutions have carried out some innovative and exploratory attempts in financial education and publicity and serving the people. For example, through the launch of an intelligent platform and an AI model labeling system, the coverage and availability of financial services will be improved, the anti-fraud publicity and knowledge popularization will be combined with rural revitalization and service to new citizens to ensure the safety and reliability of financial services, the service system for the elderly will be improved to provide solutions for the needs of the elderly to maintain and increase the value of funds, and digital technology will be used to promote the quality and efficiency of financial services through the digital exhibition hall of consumer protection and the direct payment mode of claims settlement, so as to provide strong support for the high-quality development of finance.

The State Administration of Financial Supervision said that it will further play the role of financial education in preventive protection, always take the protection of the fundamental interests of the broadest masses of the people as the starting point and end point of regulatory work, solve the problems of the people's urgency, hardship and longing with heart and soul, and effectively act as a firm defender of the legitimate rights and interests of financial consumers.

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