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1、国务院明确保障金融消费者八大权利国务院办公厅日前印发关于加强金融消费者权益保护工作的指导意见，针对当前我国金融消费纠纷频发现状，提出保障金融消费者的八大权利，即财产安全权、知情权、自主选择权、公平交易权、依法求偿权、受教育权、受尊重权、信息安全权等。近年来“存款失踪”、信用卡被盗刷等现象时有发生。对此意见提出，金融机构应当依法保障金融消费者在购买金融产品和接受金融服务过程中的财产安全，采取严格的内控措施和科学的技术监控手段，严格区分机构自身资产与客户资产，不得挪用、占用客户资金。针对不少金融机构以夸大收益、回避风险的手段吸引消费者，意见特别强调，金融机构应当及时、真实、准确、全面地向金融消费者
2、披露可能影响其决策的信息，充分提示风险，不得发布夸大产品收益、掩饰产品风险等欺诈信息，不得作虚假或引人误解的宣传。案例：河北“85后”青年小陈最近心情沮丧到极点，他投资的P2P平台接连“爆雷”，20万元“打了水漂”。一年前，他偷偷把25万元婚房首付款拿去买P2P产品。可是今年10月开始，他投资的三个平台有两个出现提取现金困难，网站无法正常打开，平台负责人也失去联系。Eight of the State Council expressly guaranteed financial consumer powerState Council recently issued Guidance on st
3、rengthening financial consumer protection work, Our view of the current financial status of the frequency of consumer disputes, protection of the rights put forward eight financial consumers, namely the right to property, the right to information, the right to choose, fair trading rights, according
4、to the law claims the right to education, the right to be respected, such as the right of information security.Have occurred in recent years, deposits disappeared, credit card theft brush and so on. In this regard, Opinions, the financial institution shall guarantee the finance consumers in the purc
5、hase of financial products and financial services to accept the property in the process, take strict internal control measures and scientific technical control measures, strict distinction between agency and client assets of their own assets, may misappropriate client funds occupy.Many financial ins
6、titutions for the means to exaggerate benefits, risk-averse to attract consumers, opinions with particular emphasis on financial institutions should be timely, true, accurate and comprehensive disclosure of information that may affect their decisions to financial consumers, adequate prompt risk, Do
7、not post exaggerated product revenue, product risk of fraud to conceal information, may not make false or misleading propaganda.Case: Hebei after 85 Youth Chen recently depressed the extreme, he invested in a series of P2P platform mine explosion, 20 yuan, boondoggle. A year ago, he secretly put 250,000 yuan down payment instead of buying wedding room P2P products. But beginning in October of this year, he invested three platforms, there are two cash difficulties, the site does not open, the platform also lost contact with the person in charge.
