Keep the consumer’s ＂money bag＂
In Zhejiang, the "Commissioner for Common Wealth" went to the village to join the society and preached financial knowledge and policies to remote villages; In Yunnan, the staff of financial institutions explain financial knowledge according to the needs of some elderly people; In Gansu, lively performances such as sitcoms and chorus of songs show all kinds of financial fraud prevention measures and guide consumers to raise their awareness of self-prevention & HELIP; …
During the month of financial knowledge popularization in September, a variety of financial education activities were carried out in various places to help consumers and investors learn basic financial knowledge, prevent illegal financial activities and better share the fruits of financial reform and development.
Improve the pertinence of financial knowledge popularization
This year is the fourth year that the People’s Bank of China, China Banking and Insurance Regulatory Commission, China Securities Regulatory Commission and the National Network Information Office jointly launched the month of financial knowledge popularization. Compared with previous years, this year’s activities not only enhance the joint efforts of publicity and education, but also enrich the content and focus.
Yu Wenjian, director of the Financial Consumer Rights Protection Bureau of the People’s Bank of China, introduced that the propaganda covers all aspects such as financial knowledge needed by consumers for production and life, advocating scientific financial management and reasonable lending, and providing professional and convenient investor education services. At the same time, it focuses on key groups and hot issues, and is close to the needs of the public to carry out educational activities. For example, the People’s Bank of China focuses on risk warning against illegal deposit and withdrawal, financial fraud in the field of pension, telecom fraud, illegal agency rights protection and other acts that infringe on consumers’ rights and interests and endanger financial stability and security.
China Banking and Insurance Regulatory Commission made great efforts to improve the pertinence of financial knowledge popularization. "We focus on key people and focus on ‘ One old and one young ’ And new citizens will carry out financial knowledge publicity and education at different levels to make up for the shortcomings of consumers’ financial knowledge. " Wang Yi, director of China Banking and Insurance Regulatory Commission Consumer Protection Bureau, said. For the elderly, China Banking and Insurance Regulatory Commission has designed a tracking research project on the financial literacy of the elderly, and cooperated with communities, universities for the elderly and welfare homes for the elderly. For college students, organize financial institutions, media and public welfare organizations to provide "vivid, lively and effective" financial education to college students, and continuously improve the cooperative education mechanism of schools, families and society; For groups in remote rural areas, more attention is paid to popularizing financial knowledge by grounding gas, and volunteers are organized to go to the fields to carry out publicity and education.
In recent years, the reform of stock issuance registration system has been widely concerned by investors. Under the registration system, investors have more investment channels and choices, and need to have stronger professional investment ability and risk identification ability. Therefore, the CSRC has carried out a number of investor education activities around this focus. Lin Lixia, deputy director of the Investor Protection Bureau of the China Securities Regulatory Commission, introduced that the CSRC carried out the activity of "reading the reports of listed companies" to guide investors to read and understand information disclosure documents and enhance their value judgment ability.
Comprehensively protect the legitimate rights and interests of consumers.
To better meet the people’s growing demand for financial services, the form of financial education activities should also be more suitable for consumers’ information acquisition habits.
Pay attention to the advantages of digital means and online education. In this activity, the National Network Information Office made full use of digital information technology to plan and launch multimedia products such as diagrams, short videos and H5 animations, so as to drive the majority of netizens to learn and understand finance and enhance their awareness of network security, risk prevention and network protection skills. China Banking and Insurance Regulatory Commission has further developed the "risk warning", which is an important starting point of consumer education and protection, and used the official website of China Banking and Insurance Regulatory Commission and the official WeChat platform to build the people’s financial security defense line in a language that people can understand and listen to.
Further smooth the channels for reflecting consumer demands. In the first half of this year, the 12378 bank insurance consumer complaint hotline received 1.28 million calls from consumers, with a connection rate of 90.79% and a satisfaction rate of 99.22%. The People’s Bank of China has issued a total of 329 letters of supervision and supervision, and comprehensively used interviews, supervision, supervision and notification to guide the handling of complaints from 69 banking and insurance institutions. Recently, the CSRC has optimized and upgraded the 12386 hotline for serving investors, and accepted four types of complaints, reports, consultations and suggestions from investors.
With the strengthening of financial knowledge publicity and education, the level of Chinese consumers’ financial literacy has steadily improved, and the index of consumers’ financial literacy has increased from 63.71 in 2017 and 64.77 in 2019 to 66.81 in 2021, which has been at the upper-middle level internationally.