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on september 1, the state administration of financial supervision, the people's bank of china, and the china securities regulatory commission jointly launched the 2024 "financial education promotion month" campaign.

it is understood that this event is themed "finance writes a new chapter for the people, protects rights and interests and prevents risks", takes educational activities as the entry point and finance for the people as the starting point, gathers the strength of the entire financial industry, widely popularizes financial knowledge, improves financial measures to benefit the people, improves the quality and efficiency of financial services, and promotes the financial industry to better serve the modernization of the national governance system and governance capabilities.

during the "financial education promotion month", the special activity of "taking on new missions of consumer protection in counties" will be carried out simultaneously. this activity combines regional characteristics, resource advantages, and grassroots people's needs, and carries out education and publicity in accordance with local conditions and classified measures, so as to highlight the basic color of finance for the people and promote financial knowledge to reach grassroots people.

china securities journal reporter learned that the county-level regulatory sub-bureaus of the financial regulatory administration will play an important role in this special event. on april 8 this year, the county-level regulatory sub-bureaus of the financial regulatory administration were uniformly established, marking the formal establishment of the "four-level vertical management" (i.e., "general bureau-provincial bureau-branch bureau-sub-bureau") structure of the financial regulatory administration system.

the three departments will improve the litigation and mediation mechanism for financial disputes in the near future

at the launching ceremony of the activity, zhou liang, member of the party committee and deputy director of the financial regulatory administration, said that in the next step, the financial regulatory administration will work with all localities and relevant departments to thoroughly implement the spirit of the 20th national congress of the communist party of china, the second and third plenary sessions of the 20th central committee of the communist party of china, and closely combine the protection of financial consumer rights and interests with risk prevention, strengthening supervision, and promoting development. we will work hard and with affection to solve the urgent problems of the people and truly serve as firm defenders of the rights and interests of financial consumers.

specifically, first, we will focus on providing rich, diverse, convenient and considerate financial products and services. we will guide financial institutions to be consumer-oriented, optimize product structure, enrich product supply, and launch more financial products with wide coverage, fair availability and reasonable prices to better meet the people's diversified financial needs. we will urge financial institutions to optimize service processes, integrate transactions, streamline operations, and strengthen the construction and management of all channels such as business outlets, self-service, and online services, so that data can be processed more, people can run less, and consumption can be more convenient. we will guide financial institutions to actively expand service dimensions, fully consider the behavioral habits of the elderly, new citizens, people with disabilities, and foreigners coming to china, improve differentiated service standards and processes, and provide refined and warm financial services for different groups of people.

second, we will strive to build a comprehensive, accurate and efficient three-dimensional protection network for consumer rights. we will strengthen preventive protection, strengthen the top-level design of consumer protection work, accelerate the improvement of the product suitability management system, improve the information disclosure system, and promote the construction of mechanisms such as sales behavior and financial service management. we will strengthen procedural protection, handle consumer complaints in a graded and classified manner, increase the intensity of inspection, investigation, monitoring and early warning, strengthen the source governance and traceability rectification of financial products, and promptly eliminate the signs and hidden dangers of infringement of financial consumer rights. we will strengthen relief protection, improve the diversified dispute resolution mechanism for financial consumption, carry forward the "fengqiao experience" in the new era, and resolve contradictions and disputes at the grassroots level and eliminate them in the bud.

zhou liang revealed that in the near future, the financial regulatory administration will jointly issue with the people's bank of china and the china securities regulatory commission the "opinions on promoting the high-quality development of financial dispute mediation work" to further strengthen the standardized governance of mediation organizations, improve the litigation and mediation coordination mechanism, and better protect the legitimate rights and interests of financial consumers.

third, we will strive to create a fair, standardized, honest and trustworthy financial market environment. we will accelerate the construction of an industry integrity culture, actively cultivate a financial culture with chinese characteristics, guide financial practitioners to abide by professional ethics, promote the construction of an industry social credit system, and maintain a good financial credit environment. we will increase the intensity of inspection and law enforcement, focus on investigating and punishing acts that infringe on consumer rights, and take real action and deal hard on all kinds of illegal and irregular acts, and ensure that supervision is "fanged and thorny" and has sharp edges and corners. we will strengthen group prevention and control, and work with relevant parties to carry out special rectification of risks of third-party wealth management companies across the country, fully promote special actions to combat illegal fundraising, and strive to protect the "purses" of the people.

fourth, we will strive to build a "big consumer protection" pattern with clear responsibilities and smooth operation. we will enhance the joint efforts of supervision and coordination, give full play to the role of the consumer protection joint meeting mechanism of financial management departments, deepen the coordination and cooperation with relevant functional departments and local governments, strengthen cross-industry and cross-field consumer rights protection, and ensure that everyone performs their duties and fulfills their responsibilities. we will strengthen the main responsibilities of financial institutions, implement the concept of "finance for the people", deepen the integration of consumer protection work and business, improve the relevant business rules and procedures of consumer protection, carry out business activities in accordance with the law, and handle disputes in a timely and proper manner. we will strengthen industry self-discipline and constraints, guide various industry associations to accelerate the construction of mechanisms such as industry reputation evaluation, internal and external consultations, and rights protection services, and promote member units to improve the level of standardized operations. we will strengthen consumer publicity and education, innovate methods, expand channels, and enhance the risk prevention awareness and self-protection capabilities of the whole people.

people's bank of china: deepen the popularization of financial knowledge in investment, financial management, payment and other fields

tao ling, member of the party committee and deputy governor of the people's bank of china, pointed out that carrying out financial education is a basic, long-term and systematic task, which requires all parties to base themselves on reality, work hard for a long time and form a joint force.

tao ling said that the people's bank of china will achieve "four closer" in the next step of financial education:

first, it is closer to the needs of the people. we must improve the pertinence and effectiveness of financial education, deepen the popularization and education of financial knowledge in areas closely related to people's daily lives, such as deposits and loans, investment and financial management, payment, credit reporting, and anti-money laundering, and make good use of emerging media such as online social platforms and short videos to enhance the effectiveness of work in a way that is easy to understand and popular.

second, it is closer to the needs of the real economy. we should focus on key areas such as inclusive finance, green finance, science and technology finance, pension finance, and digital finance, strengthen policy publicity in credit services, stock equity financing services, payment and settlement services, give full play to the effects of monetary and credit policies and financial regulatory policies, and promote the implementation of policies.

third, it is more in line with the need to prevent financial risks. in terms of investment, financing, wealth management, etc., we should help the people establish correct concepts and risk perceptions, enhance the rationality, scientificity and safety of investment and financing behaviors, avoid blindness, blind obedience and excessive speculation, and protect the safety of financial assets.

fourth, it is closer to the needs of china's modernization construction. china's modernization is a modernization that coordinates material and spiritual civilizations. the construction of china's modernization also requires the nourishment of financial culture. through the basic work of financial education, we should promote the construction of financial culture with chinese characteristics, promote the coordinated development and virtuous cycle of finance, economy and society, and make financial contributions to the great cause of building a strong country and national rejuvenation.

csrc: correct the bad habits such as money worship, extravagance, quick success, excessive speculation, and "showing off wealth"

"investor education is an important basic work for investor protection." chen huaping, member of the party committee and vice chairman of the china securities regulatory commission, said that in recent years, the china securities regulatory commission has fully mobilized all forces inside and outside the system to organize and carry out education and publicity work for the general investors in a regular and long-term manner. we continue to popularize the common sense of "anti-fraud and anti-fraud" and related investment knowledge, and continue to organize the 5.15 national investor protection publicity day and world investor week activities. we organize more than 190 securities and futures investor education bases to carry out more than 100,000 investor education activities each year. we promote the inclusion of investor education in the national education system, covering more than 5,000 schools and more than 60 million students.

chen huaping said that at present, the csrc system is solidly promoting the high-quality development of the capital market, and investor education needs to keep pace and keep pace with the times. in order to improve the quality and effectiveness of investor education, the csrc will focus on the following four aspects:

first, we should improve our political stance and actively play the fundamental role of investor education in insurance work. we should actively practice the political and people-oriented nature of capital market supervision, firmly grasp the fact that small and medium-sized investors account for the vast majority of the country's 225 million investors, and continue to carry out in-depth investor education while strengthening the foundation and strictly supervising and managing, so as to help the majority of investors improve their rational decision-making ability and risk identification ability, and lay a solid foundation for the stable and healthy development of the capital market.

second, we will focus on key areas and improve the pertinence and effectiveness of investor education. as the market continues to develop, there are more and more complex financial products and business models, and some hidden and confusing illegal financial activities and risk factors also occur from time to time. we will closely integrate with reality, adhere to problem orientation, organize all parties to explain product business, publicize system rules, and remind investment risks in a concise and easy-to-understand way that investors like.

third, we should strengthen publicity on rights protection and enhance investors' awareness of the rule of law and their ability to protect their rights in accordance with the law. cultivating investors' awareness of protecting their rights in a scientific and rational manner is an important part of creating a fair and just legal environment. we should strengthen education on investor rights protection in the popularization of law, vigorously popularize legal knowledge on investors' rights and obligations and civil damages, support investors in using legal means such as litigation, arbitration and mediation to protect their own rights and interests, and create a good atmosphere of doing things in accordance with the law, looking for the law when encountering problems, using the law to solve problems, and relying on the law to resolve conflicts.

fourth, we should advocate excellent culture and cultivate the industry ecology with chinese-style financial culture. as an important part of the theme of this year's "financial education promotion month", "promoting chinese-style financial culture" is highly targeted. a good industry culture is an important foundation for the sustainable and healthy development of the financial industry, and it is also an important magic weapon to attract investors, gain their trust, and let investors trade with confidence. in the securities, funds and futures industries, we should vigorously promote the chinese-style financial culture of honesty and trustworthiness, profit-making with justice, prudent and prudent, adhering to the right path and innovation, and complying with laws and regulations, and correct the bad habits of money worship, extravagance, quick success, excessive speculation, and "showing off wealth". guide practitioners to cherish their professional reputation and abide by professional ethics. gather the trust and confidence of investors with an honest, professional, clean and responsible industry image.