金融消费者八大权益英文版来啦

2024-12-02

保障金融消费者权益保护的八大权益

Ensuring the Eight Rights of Financial Consumers

金融消费者财产安全权

Financial Consumers' Right to Property Security

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。

Financial institutions shall ensure the security of financial consumers' property according to law when they purchase financial products or receive financial services.

金融消费者知情权

Financial Consumers' Right to Information

金融机构应当以通俗易懂的语言，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，充分提示风险。

Financial institutions shall provide financial consumers with timely, true, accurate, and comprehensive information that could influence their decisions. This information should be communicated clearly and understandably, with a strong emphasis on risk disclosure.

金融消费者自主选择权

 Financial Consumers' Right to Independent Choice

金融机构应当在法律法规和监管规定允许范围内，充分尊重金融消费者的意愿，由消费者自主选择、自行决定是否购买金融产品或接受金融服务。

Financial institutions shall fully respect financial consumers' autonomy to the extent permitted by laws, regulations, and regulatory, requirements, allowing them to make independent decisions regarding the purchase of financial products or acceptance of financial services.

金融消费者公平交易权

Financial Consumers' Right to Fair Transactions

金融机构不得设置违反公平原则的交易条件，在格式合同中不得加重金融消费者责任、限制或者排除金融消费者的合法权利。

Financial institutions shall not establish transaction conditions that violate the principles of fairness，nor should they increase financial consumers' responsibilities, or restrict, or exclude their legal rights within standard contracts.

金融消费者依法求偿权

Financial Consumers' Right to Legal Redress

金融机构应当切实履行金融消费者投诉处理主体责任，在机构内部建立多层级投诉处理机制，完善投诉处理程。

Financial institutions shall fully assume primary responsibility for handling financial consumer complaints, establishing a multi-tiered complaint resolution mechanism within their organizations and improving complaint handling procedures.

金融消费者受教育权

Financial Consumers' Right to Education

金融机构应当进一步强化金融消费者教育，积极组织或参与金融知识普及活动，开展广泛、持续的日常性金融消费者教育。

Financial institutions shall further strengthen financial consumer education by actively organizing or participating in financial literacy initiatives, and carrying out widespread and ongoing educational activities for financial consumers.

金融消费者受尊重权

Financial Consumers' Right to Respect

金融机构应当尊重金融消费者的人格尊严和民族风俗习惯。

Financial institutions shall respect the personal dignity and national customs of financial consumers.

金融消费者信息安全权

Financial Consumers' Right to Information Security

金融机构应当采取有效措施加强对第三方合作机构的管理，明确双方权利义务关系，严格防控金融消费者信息泄露风险，保障金融消费者信息安全。

Financial institutions shall take effective measures to strengthen the management of third-party partners, clearly define mutual rights and obligations, rigorously prevent the risk of financial consumer information leakage, ensuring the security of consumer data.