Banking financial institutions legally established in People's Republic of China (PRC) to provide financial products or services to financial consumers carry out the protection of financial consumers' rights and interests related to the following businesses:

(1) Related to interest rate management.

(2) Related to RMB management.

(3) Related to foreign exchange management.

(four) related to the management of the gold market.

(five) related to the management of the state treasury.

(six) related to payment and liquidation management.

(seven) related to anti-money laundering management.

(eight) related to credit information management.

(9) Financial marketing publicity and consumer financial information protection related to the businesses mentioned in Items 1 to 8 above.

(ten) the protection of the rights and interests of financial consumers within the scope of duties of the People's Bank of China as stipulated by other laws and administrative regulations.

These Measures shall apply to non-bank payment institutions established in People's Republic of China (PRC) to provide payment services (hereinafter referred to as payment institutions).

The term "financial consumers" as mentioned in these Measures refers to natural persons who purchase and use financial products or services provided by banks and payment institutions.

When providing financial products or services to financial consumers, banks and payment institutions should follow the principles of voluntariness, equality, fairness, honesty and credibility, earnestly undertake the main responsibility of protecting the legitimate rights and interests of financial consumers, and fulfill their legal obligations to protect the rights and interests of financial consumers.

When providing financial products or services to financial consumers, banks and payment institutions should follow the principles of voluntariness, equality, fairness, honesty and credibility, earnestly undertake the main responsibility of protecting the legitimate rights and interests of financial consumers, and fulfill their legal obligations to protect the rights and interests of financial consumers.