The right to property security means that financial institutions should guarantee the property security of financial consumers in the process of purchasing financial products and receiving financial services according to law.
The right to know means that financial institutions should disclose information that may affect their decision-making to financial consumers in a timely, true, accurate and comprehensive manner in an easy-to-understand language, fully remind them of risks, and must not publish fraudulent information such as exaggerating product income and covering up product risks, and must not conduct false or misleading propaganda.
The right of independent choice means that financial institutions should fully respect the wishes of financial consumers within the scope permitted by laws, regulations and regulatory provisions, and consumers should make their own choices and decide whether to buy financial products or accept financial services. Financial products shall not be bought or sold by force, products and services shall not be tied against the will of financial consumers, other unreasonable conditions shall not be attached, and financial consumers shall not be induced to buy other products by misleading means.
Fair trading right means that financial institutions shall not set trading conditions that violate the principle of fairness, and shall not increase consumers' responsibilities, restrict or exclude the legitimate rights and interests of financial consumers, restrict financial consumers from seeking legal remedies, and shall not reduce or exempt their civil liabilities that damage the legitimate rights and interests of financial consumers.
The right to claim compensation according to law means that financial institutions should earnestly fulfill the main responsibility of handling complaints from financial consumers, establish a multi-level complaint handling mechanism within the institutions, improve complaint handling procedures, improve the quality and efficiency of handling complaints from financial consumers, and accept social supervision.
The right to education means that financial institutions should actively organize or participate in financial knowledge popularization activities, carry out extensive and continuous daily financial consumer education, help financial consumers improve their cognitive ability and self-protection ability of financial products and services, and enhance their financial literacy and honesty and trustworthiness.
The right to be respected means that financial institutions should respect the personal dignity and national customs of financial consumers and should not discriminate against them because of their gender, age, race, nationality or nationality.
The right to information security means that financial institutions should take effective measures to strengthen customer information management, strictly prevent and control the risk of information disclosure of financial consumers, and ensure the information security of financial consumers.
legal ground
Guiding Opinions of General Office of the State Council on Strengthening the Protection of Financial Consumers' Rights and Interests
(3) Protecting the property safety rights of financial consumers. Financial institutions shall ensure the property safety of financial consumers in the process of purchasing financial products and receiving financial services according to law. Financial institutions shall operate prudently, adopt strict internal control measures and scientific technical monitoring means, strictly distinguish between their own assets and customer assets, and shall not misappropriate or occupy customer funds.
(4) Protect financial consumers' right to know. Financial institutions shall disclose information that may affect their decision-making to financial consumers in a timely, truthful, accurate, comprehensive and easy-to-understand manner, fully remind them of risks, and shall not publish fraudulent information such as exaggerating product income and covering up product risks, or conduct false or misleading propaganda.
(5) Guarantee the independent choice of financial consumers. Financial institutions should fully respect the wishes of financial consumers within the scope permitted by laws, regulations and regulatory provisions. Consumers should make their own choices and decide whether to buy financial products or accept financial services. Financial products shall not be bought or sold by force, products and services shall not be tied against the wishes of financial consumers, other unreasonable conditions shall not be attached, and financial consumers shall not be induced to buy other products in a misleading way.
(six) to ensure the fair trading rights of financial consumers. Financial institutions shall not set trading conditions that violate the principle of fairness, and shall not increase the responsibilities of financial consumers, restrict or exclude their legal rights, limit the channels for financial consumers to seek legal remedies, and reduce or exempt their civil liabilities for damaging their legitimate rights and interests in standard contracts.