Yin Youping, deputy director of the financial consumption rights and Interests Protection Bureau of the people’s Bank of China, said at the sixth new financial forum on January 9 that protecting financial consumption rights and interests is of great significance to promoting common prosperity.
He said that in terms of theoretical logic, financial consumption behavior connects macro and micro levels. Its safety and health are not only a good medicine to enhance consumer confidence, but also the cornerstone of the stable development of the financial market, but also the foundation for accelerating the improvement of the socialist market economic system.
From practical experience, the protection of financial consumption rights and interests has helped promote common prosperity at least in three levels. First, help consumers master financial consumption knowledge and ability, rationally participate in financial consumption, and promote consumers to “understand finance” with financial education; Second, severely punish the acts that infringe on the rights and interests of financial consumers, unblock the complaint and consultation channels, and guide consumers to “trust finance” with the concept of “responsible finance”; Third, vigorously develop Inclusive Finance, constantly optimize the supply of financial products and services, and promote consumers to “use finance” with good financial products and services. Let Lbx Pharmacy Chain Joint Stock Company(603883) be “rich in head” and “rich in pocket”, and truly realize the prosperity of material life and spiritual life.
He said that we should proceed from the long-term and fundamental interests of financial consumers, take promoting common prosperity as an important focus of current financial work, constantly improve the service quality and efficiency of the majority of financial consumers, and gradually build a working system and mechanism for the protection of financial consumer rights and interests suitable for the comprehensive construction of a socialist modern country, By building a new development pattern for the protection of financial consumption rights and interests, we will help achieve the common prosperity of all people.
First, draw a new blueprint and promote scientific system construction. We should give full play to the institutional advantages of socialism with Chinese characteristics, adhere to the party’s leadership over the protection of financial consumption rights and interests, concentrate and coordinate all forces, and provide political and organizational guarantees for the protection of financial consumption rights and interests and promoting common prosperity. At the same time, we should deeply realize that carrying out this work is a process of continuous evolution and change. We should actively learn from the theoretical and practical achievements at home and abroad, take accelerating the legislative process of financial consumption rights and interests protection as the starting point, and gradually establish a scientific, careful, coordinated and systematic legal system for financial consumption rights and interests protection.
Second, plan a new strategy to promote the nationalization of financial education. We should pay more attention to multi-level promotion of financial knowledge into the national education system, carry out pilot construction of financial education demonstration bases nationwide, and establish a normalized and positional financial education publicity network. In this process, we should also pay special attention to the financial education of key groups such as “one old and one young”, and explore and build a lifelong learning system of financial knowledge in an all-round way.
Third, start a new journey and promote the effectiveness of behavior supervision. Financial regulators must escort the Lbx Pharmacy Chain Joint Stock Company(603883) fair and equitable enjoyment of the ever-changing financial services. Next, we should continue to focus on the key areas of “related to the vital interests of the masses”, make good use of means such as supervision and inspection, regulatory evaluation, complaint management and financial advertising governance, continue to optimize the financial consumer market environment and continuously improve the level of financial consumer protection.
Fourth, lead new development and promote the digitization of Inclusive Finance. We should pay special attention to the safety and effectiveness of digital Inclusive Finance and make joint efforts in the construction of digital financial platform and digital financial supervision. To truly improve the quality and efficiency in this regard, the key is to guide various institutions to give full play to the technical advantages of digital Inclusive Finance, provide more convenient and efficient livelihood financial services, support and promote more low-income groups to enter the middle-income ranks, and build a good ecological environment of digital Inclusive Finance with benign interaction, complementary advantages and win-win cooperation.
Fifth, cultivate Shanghai New Culture Media Group Co.Ltd(300336) and promote the humanization of industry development. The protection of financial consumption rights and interests can not only rely on the banner of financial regulators, but also need to give full play to the strength of all parties, vigorously cultivate a positive financial culture, advocate financial institutions to establish the concepts of “finance for the people” and “responsible finance”, strengthen the contract spirit and integrity awareness of each consumer, and enhance the financial health awareness of residents and families. We must further emphasize people-oriented, cultivate industry ethics and culture that respects and protects the legitimate rights and interests of financial consumers, compact the main responsibilities of financial institutions, give full play to the cluster effect of healthy finance in various segments of the financial industry, fully highlight the concept of financial consumer protection in every detail of financial consumption, and enhance financial resilience, Build a more solid mass foundation for promoting common prosperity.
(source: Shanghai Securities News)
