China News Service, November 16th. According to the website of the China Banking and Insurance Regulatory Commission, there are still some lawbreakers soliciting business in the name of "agent surrender" and "agent rights protection", claiming to help consumers "full surrender" and "repair credit investigation". "Resolve debts" and "full interest-free", encouraging or tricking consumers into entrusting them to handle surrender, interest-free and other matters.
Such illegal rights protection acts squeeze normal complaint rights protection channels and resources, disrupt the order of the financial market, infringe on the legitimate rights and interests of consumers, and endanger social stability.
To this end, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission issued the 6th 2021 risk reminder to remind consumers to protect their rights and interests in accordance with the law and to stay away from the illegal activities of "agent surrender" and "agent rights protection", and guard against the following risks.
One is that illegal means such as false promises and forged evidence hinder consumers' normal rights protection.
In order to seek benefits, criminals impersonate supervisors, legal workers, or financial institution staff to defraud trust, falsely claim that they can handle full cancellation of insurance, evasion of debts, restoration of credit information, etc., and induce consumers to entrust them to "agent rights protection". Making malicious complaints by fabricating facts, falsifying evidence, providing false information, etc., violates integrity or even breaks through the bottom line of the law, not only infringes on consumers’ legitimate complaints and rights protection channels and resources, hindering effective communication between consumers and financial institutions and regulatory authorities, and disrupting the financial market Normal order may also be suspected of illegal crimes.
The second is to endanger the safety of consumer property and conceal the risk of fund-raising fraud.
"Agent rights protection" is a real "profit" in the name of "rights protection". For example, it encourages insurance consumers to withdraw from normal insurance contracts and charges high "agent rights protection" fees. After surrendering the insurance, consumers will be induced to "refund". Buy the old and buy the new, buy the so-called "high-yield" wealth management products, and even intercept and misappropriate consumer surrender funds, hiding the risk of fund-raising fraud.
In addition, if consumers are defrauded to withdraw from a normal insurance contract, they will not only lose risk protection, but they may face the risk of recalculating the waiting period, rising premiums or even being denied insurance due to changes in their age and health status when they re-apply for the insurance in the future.
Consumers must be vigilant against such illegal acts.
The third is to endanger consumers' right to information security.
After obtaining the entrustment of consumers, illegal agency rights protection organizations will require consumers to provide sensitive information such as identity information, communication information, home address, financial accounts, insurance contracts, etc. Personal information is at risk of malicious use, illegal disclosure, or trading.
Personal information leakage can cause endless troubles, which may cause consumers to suffer losses and endanger consumer information and personal safety.
More attention should be paid to preventing fraudsters from using the rhetoric of "solving debts" and "repairing credit information" to defraud bank card accounts, passwords, verification codes and other information for stealing or transferring funds.
Illegal "agent rights protection" and "agent surrender" risks are high and harmful. The Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission reminds consumers to consume financial products rationally according to their own needs, protect their rights and interests in accordance with the law, and increase their awareness of personal information protection.
The first is to rationally safeguard their own rights and interests in accordance with the law, and prevent illegal agency rights infringement.
Consumers who have questions about financial products or services should make reasonable demands through formal channels: they can directly negotiate with financial institutions to resolve them, and they can resolve disputes through industry dispute mediation organizations, or report to the financial regulatory authorities, and they can also file a lawsuit in the people’s courts. .
Use legal weapons to protect their own rights and interests through normal channels, do not trust the false promises of "agent rights protection" and "agent surrender", and refuse to participate in malicious complaints that violate contractual agreements, provide false information, and fabricate facts.
The second is to choose appropriate financial products or services according to their own needs, and do not be induced by the rhetoric of "refunding the old and guaranteeing the new" and "high-yield".
Consumers must master certain financial knowledge, understand the content of financial products or services, purchase appropriate products according to their own needs and risk tolerance, and establish a rational consumption concept.
For example, the purchase of insurance products must meet their own risk protection needs and economic capabilities, the use of credit cards or loan products should consider borrowing costs and repayment capabilities, and investment in financial products should meet their own risk appetite and risk tolerance.
The third is to prevent illegal agency rights protection from laying hidden dangers to personal information security.
Consumers should pay attention to improving their personal information protection awareness and properly keep important identity information and sensitive financial information.
Do not easily transfer important documents such as bank cards, ID cards, and insurance contracts to others, so as to avoid malicious use or illegal trading, and bury hidden dangers to your own information security.
If you find that your legitimate rights and interests have been violated by illegal acts, you should promptly report to the supervisory authority or the public security organs to protect your rights and interests.