Our reporter Lu Min
Strengthening the protection of the rights and interests of financial consumers concerns the vital interests of the people.
On March 15, the China Banking and Insurance Regulatory Commission held a press conference on "In-depth Promotion of Financial Consumer Protection in the Banking and Insurance Industry".
Guo Wuping, director of the Consumer Insurance Bureau of the China Banking and Insurance Regulatory Commission, said that in 2021, the entire system of the China Banking and Insurance Regulatory Commission will receive 2.49 million calls from consumers and handle 510,000 consumer complaints; 686 banking and insurance dispute mediation organizations have been established nationwide, which have successfully resolved There were 114,700 disputes; in 2021, a total of 24.5 billion yuan was cleared and paid to consumers.
The bancassurance industry has achieved positive results in financial consumer protection, but continued efforts are needed.
Guo Wuping said that this year, he will continue to strengthen the supervision of financial consumer protection: organize and carry out special rectification of bank illegal charges related to enterprises; carry out special rectification of personal information protection in the banking and insurance industry; “Administrative Measures for the Protection of Institutional Consumer Rights and Interests” and “Administrative Measures for Consumer Suitability in Banking and Insurance Institutions” and other documents; continue to conduct risk warnings and strengthen publicity and education to consumers.
Regarding the issue of bank's illegal and enterprise-related charges that has been widely concerned by all walks of life, Guo Wuping said that after continuous rectification, the illegal charges have dropped significantly, but there are still some problems in some parts, mainly including false and innovative charges, only charges but no services, segmented charges, long-term charges types of charges.
"This year, the Consumer Insurance Bureau of the China Banking and Insurance Regulatory Commission will, in accordance with the unified deployment of the State Council and the requirements of the "Government Work Report", jointly carry out special rectification actions for corporate-related illegal charges in conjunction with relevant industry authorities. Fundamentally curb problems such as inadequate implementation of charging policies, charging by loans, and compulsory bundling." Guo Wuping said.
On the one hand, the regulatory authorities should increase the inspection of illegal charges related to enterprises, and on the other hand, they should continue to promote the reduction of fees and profits in the banking industry.
Guo Wuping said that in 2021, the China Banking and Insurance Regulatory Commission will guide the industry to reduce ATM inter-bank cash withdrawal fees, and the banking industry will realize 4 billion yuan in profits.
At the press conference, the heads of the three local banking and insurance regulatory bureaus introduced the reduction of fees and profits for the banking and insurance industries within their jurisdictions.
Yin Jiangao, Secretary of the Party Committee and Director of the Shanxi Banking and Insurance Regulatory Bureau, said that last year, the weighted average interest rate of loans in Shanxi Province was 5.33%, a year-on-year decrease of 0.22 percentage points, giving consumers billions of yuan in profits.
The banking industry canceled or reduced 730 fees, and the reduction of fees made a profit of 3.6 billion yuan.
At the same time, the comprehensive reform of auto insurance has given more than 3 billion yuan in profits to consumers.
Qin Gang, Secretary of the Party Committee and Director of Ningbo Banking and Insurance Regulatory Bureau, said that Ningbo Banking and Insurance Regulatory Bureau has vigorously carried out fee reductions and profits. In response to high and unreasonable costs such as credit card installment fees, penalty interest and compound interest, it urges institutions to earnestly fulfill their social responsibilities and alleviate the needy people. burden.
Since December 2018, institutions within the jurisdiction have reduced fees and profits by more than 230 million yuan.
Jiang Ping, Secretary of the Party Committee and Director of the Chongqing Banking and Insurance Regulatory Bureau, said that after the release of the national strategy for the Chengdu-Chongqing economic circle, the Chongqing Banking and Insurance Regulatory Bureau immediately directed the associations of the two places to jointly establish an integrated mechanism for mediation and settlement of insurance disputes in Sichuan and Chongqing.
From the end of July to the end of 2021, 88 banking financial institutions in Sichuan and Chongqing have reduced or exempted more than 1.3 million deposit and withdrawal fees for personal debit cards in different places, with a reduction of nearly 6 million yuan.
In addition, the Chongqing Banking and Insurance Regulatory Bureau instructed consumer finance companies within its jurisdiction to actively reduce the frequency of collections for consumers affected by the epidemic, rainstorms, floods and other disasters across the country, and specially formulated a negotiated repayment policy. In 2021, 316,000 customers will be suspended. , involving 1.34 billion yuan in loans, and 52.67 million yuan in relief for 71,000 customers.