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从苏大强被骗,看消费者如何维权

2019-07-23 点击:742

要说今年最热门的家庭不过是电视剧中的苏家族《都挺好》。除了苏明成两兄弟讨厌痒之外,对于大哥苏明哲来说总是令人失望,这家人说最不担心的,就是国王的父亲苏大强的灾难。

自从离开妻子多年后,苏大强已经完全释放了自己。他在家里退休,想在儿子面前填满他的脸,所以他学会了如何在朋友的指导下管理钱财。如果你想赚钱赚钱,财务管理的想法并没有错,但总是有必要尽你所能,但苏大强更喜欢把它作为追捕金钱的狂野之路,他的思想自然会瘫痪。

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朋友带来的,练习取决于个人。朋友聂舒也很谨慎,并且善意提醒苏大强他已经在一起。因为苏大强选择了“高回报,高回报”的假项目。

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当然,你不能只是责怪苏大强。嘿!向两位叔叔出售财富管理的机构侵犯了金融消费者的知情权。

“金融机构应以易于理解的语言及时,真实,准确,全面地向金融消费者披露可能影响其决策的信息,充分提醒风险,不得泄露夸大产品收入,伪装等欺诈性信息。产品风险,而不是虚假信息。或误导宣传。“

每年315,消费者保护日,实际上是金融消费者保护日。

As early as 1993, the state promulgated《中华人民共和国消费者权益保护法》until November 13, 2015, the General Office of the State Council issued a《关于加强金融消费者权益保护工作的指导意见》directly related to financial consumers, the first time from the national level to face the protection of financial consumer rights The regulations emphasize the protection of eight rights of financial consumers, including property security rights, right to know, independent choice, fair trade rights, legal claims, education rights, rights to be respected, and information security rights.

The foodies are more aware of the fact that the restaurant’s “No Drinks to Bring Yourself”, “Minimum Consumption in the Room” and “Opening Fees” are in violation of the fair trading rights of consumers.

In the format contract, the consumer liability shall not be aggravated and the legal rights of financial consumers shall be restricted."

For example, many customers who have opened a card in a financial institution have experienced a failure to charge a card fee, or they have been deducted from the annual fee. The bank charges that have been criticized in the past are the focus of financial consumer complaints, which is to violate the fair trading rights and the right to know of consumers.

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For example, some financial institutions, when handling mortgage business for customers, force customers to apply for commercial insurance for their collateral or to handle accidental injury insurance for guarantors, and some also require designated agencies to conduct insurance assessment procedures, etc. Financial consumers have added some unreasonable obligations, which also infringe consumers' fair trading rights.

And like the right to information security, it is becoming more and more important in the increasingly popular Internet financial consumption field.

"Hello, we are the insurance business of a certain bank."

I believe that many people have taken over the bank/financial institution insurance/loan business sales calls. In many cases, it happened after we completed the business online. It is very likely that the relevant agencies are not strict with the information management, and the information such as the card number, contact information and family status of the customer is leaked.

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这违反了消费者的信息安全权。“金融机构应采取有效措施,加强对第三方合作机构的管理,明确双方的权利和义务,严格防范和控制金融消费者信息泄露风险,保护金融消费者信息安全。” 。

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人们漂浮在河流和湖泊中,没有刀.虽然权利在手,而且在那里,但在现实生活中,他们总是会侵犯合法的权益,实际上是金融消费者有抱怨的大门。

*当金融消费者和金融机构产生消费者纠纷时,他们可以先向金融机构投诉。

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例如,在银行理财销售区域,如果发现销售人员没有相关资质,可以直接向营业厅负责人报告非清单产品的销售等。

当金融消费者与金融机构发生争议时,他或她可以先向金融机构提出申诉,进行谈判和解决;如果金融机构未在一定时间内处理投诉或不接受投诉,或者金融消费者认为处理结果不合理,可以向上级机构投诉。

如果不可能,您可以向金融机构的监管机构投诉。银监会去年刚刚合并,负责监管银行,非银行金融服务(资产管理,信托等)和保险业务;中国证监会控制证券及期货业务。至于互联网金融,目前省级和市级金融局的责任是去年开始增加金融监管品牌。

*消费者也可以直接拨打中国人民银行投诉热线“12363”。

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If you really don't know who you should look for, you can call 12363 directly. The 12363 call is approved by the Ministry of Industry and Information Technology and approved by the People's Bank of China for the national financial consumer consultation complaints for public service.

If the complaints directly received by the grading agencies of the People's Bank of China are within the scope of the relevant functional departments of the unit, the relevant functional departments shall be responsible for investigation, verification, processing and feedback; if multiple functional departments are involved, the financial consumer rights protection department will take the lead. Coordinated processing; if the complaints involve cross-market and cross-industry cross-linked financial products and services, the People's Bank of China and its branches will coordinate the relevant departments.

Of course, if it has already constituted a crime, then you can file a lawsuit with the people's court.

These rights and rights protection methods can be remembered. Starting today, be a smart financial consumer who is not arbitrarily slashed.

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