国务院明确保障金融消费者八大权利国务院办公厅日前印发《关于加强金融消费者权益保护工作的指导意见》，针对当前我国金融消费纠纷频发现状，提出保障金融消费者的八大权利，即财产安全权、知情权、自主选择权、公平交易权、依法求偿权、受教育权、受尊重权、信息安全权等。近年来“存款失踪”、信用卡被盗刷等现象时有发生。对此《意见》提出，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，采取严格的内控措施和科学的技术监控手段，严格区分机构自身资产与客户资产，不得挪用、占用客户资金。针对不少金融机构以夸大收益、回避风险的手段吸引消费者，《意见》特别强调，金融机构应当及时、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，不得发布夸大产品收益、掩饰产品风险等欺诈信息，不得作虚假或引人误解的宣传。案例：河北“85后”青年小陈最近心情沮丧到极点，他投资的P2P平台接连“爆雷”，20万元“打了水漂”。一年前，他偷偷把25万元婚房首付款拿去买P2P产品。可是今年10月开始，他投资的三个平台有两个出现提取现金困难，网站无法正常打开，平台负责人也失去联系。EightoftheStateCouncilexpresslyguaranteedfinancialconsumerpowerStateCouncilrecentlyissued"Guidanceonstrengtheningfinancialconsumerprotectionwork,"Ourviewofthecurrentfinancialstatusofthefrequencyofconsumerdisputes,protectionoftherightsputforwardeightfinancialconsumers,namelytherighttoproperty,therighttoinformation,therighttochoose,fairtradingrights,accordingtothelawclaimstherighttoeducation,therighttoberespected,suchastherightofinformationsecurity.Haveoccurredinrecentyears,"www.jinlingqy.comdepositsdisappeared",creditcardtheftbrushandsoon.Inthisregard,"Opinions",thefinancialinstitutionshallguaranteethefinanceconsumersinthepurchaseoffinancialproductsandfinancialservicestoacceptthepropertyintheprocess,takestrictinternalcontrolmeasuresandscientifictechnicalcontrolmeasures,strictdistinctionbetweenagencyandclientassetsoftheirownassets,maymisappropriateclientfundsoccupy.Manyfinancialinstitutionsforthewww.jiece.netmeanstoexaggeratebenefits,risk-aversetoattractconsumers,"opinions"withparticularemphasisonfinancialinstitutionsshouldbetimely,true,accurateandcomprehensivedisclosureofinformationthatmayaffecttheirdecisionstofinancialconsumers,adequatepromptwww.cddaili.comrisk,Donotpostexaggeratedproductrevenue,productriskoffraudtoconcealinformation,maynotmakefalseormisleadingpropaganda.Case:Hebei"after85"YouthChenrecentlydepressedtheextreme,heinvestedinaseriesofP2Pplatform"mineexplosion",20yuan,"boondoggle."Ayearago,hesecretlyput250,000yuandownpaymentinsteadofbuyingweddingroomP2Pproducts.ButbeginninginOctoberofthisyear,heinvestedthreeplatforms,therearetwocashdifficulties,thesitedoesnotopen,theplatformalsolostcontactwiththepersonincharge.
