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打造金融服务业品牌 维护金融消费者权益

2017-09-01 07:26:32   中国青年网

7.保障金融消费者受尊重权

金融机构应尊重金融消费者的人格尊严和民族风俗习惯,不因金融消费者的性别、年龄、种族、民族或国籍等不同而进行歧视性差别对待。

8.保障金融消费者信息安全权

金融机构应当采取有效措施加强对第三方合作机构管理,明确双方权利义务关系,严格防控金融消费者信息泄露风险,保障金融消费者信息安全。

二、金融消费者八项基本权利相关案例

案例1:贷款业务搭售ETC卡

案情简介:赵某到某行网点申请个人住房贷款,被客户经理告知,如果帮忙营销5张ETC卡,则贷款可享受基准利率,如不接受则贷款利率需上浮5%。最终,赵某未营销出ETC卡,其申请的贷款被执行基准利率上浮5%的标准。赵某认为该行提出的条件纯属强制搭售,投诉要求予以处理。

处理情况:经核查赵某反映事项属实。该网点对赵某购买楼盘进行综合评估后,决定普遍执行基准利率上浮5%的标准,例外的情况是,被该行评级为“贵宾客户”或“新引进潜在客户”的可享受基准利率。该行客户经理在具体执行中,私自向赵某承诺。实际情况是,赵某的综合条件达不到该行“新引进潜在客户”的标准,因此其享受基准利率的申请没有通过审核。

案例分析:本案中,赵某办理个人住房贷款业务,该行确定贷款利率合法合规,但该行未完全尽到监督管理其工作人员(客户经理)的职责,损害了金融消费者的公平交易权和自主选择权,这一侵权责任应由银行承担。

案例2:盲人申办信用卡被拒

案情简介:程某是一个盲人按摩师,同时也是一个盲人按摩店的老板,有稳定收入,资信状况良好,去某银行申请办理信用卡时,工作人员拒绝为其办理,程某认为自身资信水平满足银行有关办理信用卡条件,但银行拒绝办理是对盲人的歧视,遂进行投诉。

处理情况:经核实程某所述属实。银行根据信用卡发卡管理办法规定,办理信用卡时需本人填写申请资料,并要本人签字,另外还要本人手抄一段承诺书,由于盲人不方便手写,自然就无法完成上述事项,故无法办理信用卡。但是,人民银行认为上述规定只是从健康人的角度出发,没有考虑到盲人等用户的需求。依据有关法律法规,盲人只是行为受到了限制,但权利并没有丧失。银行可通过翻译成盲文或进行语音提示等多种方式来方便盲人客户,而不是以对方无法签字为由拒绝其办卡申请。

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