Foreigners | The Eight LegitimateRights of Financial Consumers: Now Available in English!
保障消费者这八项合法权益，一定要记牢！Protecting these eight consumer legitimaterights is crucial—besure you keep themin mind!
财产安全权
Right to Property Security
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。金融机构应当审慎经营，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。
Financial institutions are obligated to protect the financial assets of consumers during the procedures of financial products purchasing and financial servicesprovision. They are obligated to beprudently, implement strict internal control measures, and use advanced technological monitoring systems. Financial institutions must maintain a clear distinction between their own assets and clients’ assets, ensuring that customers'assets are neither misappropriated nor occupied.
知情权
Right to Be Informed
为确保客户权益，通常保险公司在和客户订立保险产品合同时，消费者有权知悉合同的条款和服务的真实情况，保险公司应当向消费者说明保险合同的条款内容，全面地向消费者披露可能影响其决策的信息，并向他们充分提示风险，不得有夸大产品收益、虚假宣传、掩饰风险等欺诈行为。
To protectconsumer legitimate rights, insurance institutions are obligated to disclose the true terms and conditions of insurance products uponentering into contracts with clients. It is imperative that insurance companieselucidate the details of insurance agreements, fully disclose allinformation that could influence consumers' decisions, and adequately emphasize potential risks. Practices such as misleading promotions, exaggeration of product benefits, and concealment of risks are strictly forbidden..
自主选择权
Right to Independence Choice
消费者拥有自主选择保险机构、适合自身的险种或服务的权利。除非法律和行政法规规定要求强制参加的保险，消费者有同意与拒绝参加保险的选择权。
Consumers have the legitimate right to independently selectinsurance institutions、productsor servicesthat is suitable fortheir demands. Unless mandated by laws or administrative regulations, consumers are free to decide whether to participate in insurance services and cannot be coerced into mandatory purchases.
公平交易权
Right to Fair Transaction
保险公司不可设置违反公平原则的交易条件。在保险合同中不得加重消费者责任、限制或排除保险消费者合法权利，不可限制消费者寻求法律救济途径，也不可减轻或免除本公司损害消费者合法权益应当承担的民事责任。
Insurance institutions are obligated to refrain from imposingunfair trading conditions. Contracts should not increase consumer liability, restrict or exclude their lawful rights, limit legal remedies, or diminish or absolve the company of its responsibilities in cases of consumer rights violations.
依法求偿权
Right to Legal Redress
保险公司需切实履行消费者投诉处理主体责任，在机构内部建立多层级投诉处理机制，完善投诉处理程序，建立投诉办理情况查询系统，提高保险消费者投诉处理质量和效率，接受社会监督。
Insurance institutions are obligated to take responsibility for addressing consumer complaints by establishing a multi-tiered internal complaint resolution mechanism. Insurance institutions should refine complaintsettingprocedures, implement systems for tracking complaint progress, and improve the quality and efficiency of complaint resolution. Insurance institutions must operate under public supervision.
受教育权
Right to Education
金融机构应当进一步强化金融消费者教育，积极组织或参与金融知识普及活动，开展广泛、持续的日常性金融消费者教育，帮助金融消费者提高对金融产品和服务的认知能力及自我保护能力，提升金融消费者金融素养和诚实守信意识。
Financial institutions should strengthen consumer education initiativesandactively organize or participate in eventsthat promote financial literacy. Financial institutions should conduct continuous, widespread consumer education efforts, for purpose ofenhancingconsumers’ understanding of financial products and services, improvingtheir self-protection capabilities, and fosteringgreater financial recognitionand integrityawareness.
受尊重权
Right to Respect
金融机构应当尊重金融消费者的人格尊严和民族风俗习惯，不得因金融消费者性别、年龄、种族、民族或国籍等不同进行歧视性差别对待。在了解了基本消费者权益后，我们才能在日常的消费/交易过程中抱有风险和责任意识，才能更好地识别风险、加强自我保护能力。
Financial institutions are obligated torespect consumers’personal dignity and cultural customs. Discriminatory practices based on gender, age, race, ethnicityandnationality are strictly prohibited. By understanding these fundamental legitimaterights, consumers couldimproverisk and responsibilityawarenessin their daily base transactions, enabling them to identify risks and enhance self-protection capabilitiesbetter.
信息安全权
Right to Information Security
保险公司应当采取有效措施加强对第三方合作机构的管理，明确双方权利义务关系，严格防控消费者信息泄露风险，保障消费者的信息安全。
Insurance institutions are obligated to take effective measures to strengthen the management of third-party cooperative institutionsand definethe rights and obligations of both partiesexplicitly. Insurance institutions must rigorously prevent information leaks and ensure the security of consumers’ personal data.
供稿单位：消费者权益保护部