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《银行业消费者权益保护工作指引》是我国有史以来第一部规制性的保护金融消费者权益的政策法规文件。在实践中认真贯彻落实《指引》,将是银行业金融机构的生存法宝近十年来,随着银行同业竞争加剧和金融市场的发展,金融创新不断加速,金融消费领域信息不对称情况日益严重,银行业金融机构因行为失当而侵害消费者权益的现象大量出现,金融消费者的弱势地位愈益明显。必须在审慎的风险监管的同时,实施严格的行为监管——2012年,银监会成立银行业
The Guide for the Protection of Banking Consumer Rights and Interests is the first regulatory document in our history that protects the rights and interests of financial consumers. In practice, earnestly implementing the Guidelines will be a magic weapon for banking financial institutions. Over the past decade, with the intensification of interbank competition and the development of financial markets, financial innovation has been accelerating and the information asymmetry in the area of financial consumption has become increasingly serious. The phenomenon that banking financial institutions violate the rights and interests of consumers due to misconduct has appeared in large numbers, and the disadvantaged position of financial consumers has become increasingly apparent. Strict regulation of behavior must be implemented at the same time as prudential regulation of risk - In 2012, the CBRC set up a banking