In September of this year, the General Administration of Financial Supervision, the People's Bank of China, and the China Securities Regulatory Commission jointly launched the "Financial Education Publicity Month" campaign. Since the start of the campaign, the local regulatory bureaus of the General Administration of Financial Supervision have guided banks and insurance institutions to continuously carry out multi-level, multi-channel, and multi-form financial education activities aimed at the general public. These efforts aim to help consumers "learn about finance, understand finance, trust finance, and use finance," enhance their awareness of risks, effectively guard against illegal fundraising, financial fraud, and other risks, and protect their legitimate rights and interests.
Journalists have noticed that recently, financial regulatory bureaus in various regions have also successively issued risk alerts, warning consumers to pay attention to risks such as "controlled" bank accounts, debt optimization traps, illegal campus loan schemes, and to safeguard their "pockets of money."
Conducting financial education is a fundamental, long-term, and systematic task that requires all parties to base their efforts on reality, work persistently, and form a joint effort. Zhou Liang, a member of the Party Committee and Deputy Director of the General Administration of Financial Supervision, recently stated that the administration will focus on building a clear responsibility and smooth operation of the "large consumer protection" pattern. This involves enhancing regulatory collaboration, fully leveraging the role of the financial management department's consumer protection joint meeting mechanism, deepening cooperation with relevant functional departments and local governments, strengthening consumer rights protection across industries and fields, ensuring that each party fulfills its duties and responsibilities. It also involves压实ing the primary responsibility of financial institutions, earnestly practicing the concept of "finance for the people," deepening the integration of consumer protection work with business, improving relevant business rules and processes, conducting business activities in accordance with laws and regulations, and handling disputes and disputes promptly and properly. At the same time, strengthen industry self-discipline and restraint. Strengthen consumer education and publicity, innovate methods, expand channels, and enhance the public's awareness of risk prevention and self-protection capabilities.
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What to do if your bank account is "controlled"?
In the process of using bank cards, some consumers may find that their accounts are restricted in transactions or frozen. Why are bank accounts "controlled"? What should consumers do after being "controlled"? Recently, the Shandong Financial Regulatory Bureau answered these questions about the risk control of bank cards.
It is understood that the reasons for bank accounts being controlled include abnormal transactions in the account, such as large transactions, frequent transfers, quick in and out transactions, etc.; the cardholder's identity information is incomplete, outdated and not updated, or someone else's phone number is used to apply for a bank card; the cardholder is involved in judicial cases such as money laundering and fraud; the account has security risks, such as being misused by others, bank card information leakage, etc.
How to restore normal use after a bank account is controlled? It is introduced that, first, for accounts controlled due to abnormal transactions, cardholders can go to bank branches for verification, provide relevant transaction proofs for normal use of the account, such as transaction contracts, delivery documents, etc., and the bank can lift the restrictions after review. Second, for accounts controlled due to incomplete personal information, cardholders can go to bank branches or complete personal information through mobile banking. Third, for accounts controlled due to potential risks, cardholders can apply to the bank to lift the restrictions and promptly change the payment password. Fourth, for judicially frozen situations, cardholders can consult with the opening bank to obtain contact information from freezing authorities such as courts and public security, understand the reasons for freezing and case situations, and then handle subsequent matters.
Can debt also be optimized? There are no free lunches.
Debt optimization, low-interest loan replacement of high-interest loans, single large loan replacement of multiple small loans... Beware, it may be fraud!
The Ningxia Financial Regulatory Bureau recently issued a risk alert, warning consumers to protect their personal information, not to click on unknown links, discard express bills and bills with personal information unprocessed, connect to public wireless networks at will, rent/lend ID cards and bank accounts, prevent personal information leakage, and avoid property loss.At the same time, consumers should be vigilant against common fraudulent practices such as interest-free, unsecured, and high-loan amounts with low collateral. They should ask more about whether the interest rates and financing limits are reasonable, and consider whether they understand the debt optimization traps. The saying "free lunch" often refers to traps set by criminals.
Furthermore, when signing contracts, consumers must carefully review the terms, clarify the specific content of the service, loan amount, loan period, breach of contract liability, and other matters. They should cautiously consider whether the standard terms are reasonable, determine and grasp the dispute resolution methods, and be highly alert to situations requiring the payment of a deposit, introduction fee, or deposit, or where the actual loan amount does not match the contract amount to avoid falling into a series of traps.
Guard against the risks of crime using gold transactions
Recently, the Ningbo Public Security Department has cracked down on multiple cases of fraud and money laundering using gold transactions. Some criminals order gold in gold shops and then use money laundering "tools" to pick up the goods, intending to "whitewash" and transfer the proceeds through the above methods. Some impersonate military officers, guiding victims to participate in virtual online investments, falsely claiming that purchasing gold and recharging can obtain higher rebates, inducing victims to hand over gold to criminals. In addition, there are criminals impersonating public security, procuratorial, and judicial personnel on the phone, inducing them to purchase gold and hand it over to the door personnel on the grounds that the victim's account is involved in fraud and needs to freeze the account funds and pay a deposit.
The Ningbo Financial Regulatory Bureau reminds the public to strengthen their risk prevention awareness, guard against various types of fraud, and do not help criminals commit crimes because of greed for small profits. If you encounter suspicious situations involving fraud, please call the anti-fraud hotline 96110 in time.
Be alert to illegal campus loan routines
It is the school season, and some criminals are ready to commit campus fraud. Illegal campus loans, under the banner of "low threshold, high limit, no risk," set up various colorful and unpredictable "routines," making it difficult for consumers to guard against them. Recently, the Yunnan Financial Regulatory Bureau and the Ningxia Financial Regulatory Bureau issued risk warnings, reminding the majority of financial consumers to enhance their anti-fraud awareness and identification capabilities, and protect their personal information and property safety.
The reporter noticed that illegal campus loans and other fraudulent activities mainly have the following routines, such as using unsecured, low-interest bait to induce students to take loans; using the method of "brushing orders to achieve performance" on part-time online loan platform employees to induce students to apply for online loans and transfer money to designated accounts, and the swindler runs away with the money; impersonating school officials, demanding parents or students to immediately transfer money to designated accounts on the grounds of collecting emergency fees; colluding with "professional training institutions" to handle loans; approaching students under the guise of making friends, and after establishing trust, asking the other party to transfer money or provide personal information.
To protect the legal rights and interests of consumers, the two financial regulatory bureaus remind student groups to consume rationally, enhance their awareness of anti-fraud and fraud prevention, pay attention to protecting sensitive information, and be more vigilant when it comes to requests involving financial transactions. Once you realize that you may become a victim of campus loans, you should remain calm, quickly collect and properly retain relevant evidence such as call records, transfer vouchers, SMS or email correspondence, and report to the public security organs.