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In the process of selling wealth management products, bank employees unilaterally exaggerate what rights and interests the product income will bring to consumers.
Failure to truthfully introduce the product, one-sided exaggeration of product benefits, neglect of product risks, and damage to consumers' right to know. The right to know refers to the freedom and right to know and obtain information, including knowing and obtaining relevant information from official or unofficial channels. The narrow sense of the right to know only refers to the freedom and right to know and obtain official information. With the continuous expansion of the extension of the right to know, the right to know has both the attributes of public rights and civil rights, especially the right to know personal information, which is a part of the personality rights that citizens must enjoy as civil subjects.

1, definition of consumer rights and interests

(1) Consumer's rights and interests refer to the rights and interests that consumers enjoy in accordance with the law when they receive goods or services with compensation and in a certain period of time in the future.

(2) Consumers' rights and interests are the rights granted to the end users of commodities to meet the objective needs of economic operation under certain social and economic relations.

2, the rights and interests of consumers

1962 March 15 former us president John F. Kennedy delivered a special presidential speech on protecting consumers' interests in the us congress, in which the famous "four rights" of consumers were put forward for the first time, namely, the right to safety; Have the right to obtain correct information; Have the right to choose freely; Have the right to put forward consumer opinions. 3 15 indicates that these four rights put forward by Kennedy are gradually recognized by consumer organizations all over the world and regarded as the most basic work goals. From 1983, every March 15, consumer organizations all over the world will hold large-scale activities to publicize consumer rights.

(1) Security right.

It refers to the right of consumers to protect their personal and property safety from damage when purchasing or using goods or receiving services. Specifically, it includes two aspects: one is the right to personal safety, and the other is the right to property safety.

(2) The right to know the truth

Consumers have the right to know the real situation of the goods they buy or use or the services they receive.

(3) the right of independent choice

Consumers have the right to choose their own goods or services.

(4) the right to fair trade

It refers to the right of consumers to obtain quality assurance, reasonable price and correct measurement when purchasing goods or receiving services.

(5) claim rights according to law

Refers to the right of consumers to claim compensation according to law when they suffer personal or property damage due to the purchase or use of goods or services.

(six) the right to consultation and the right to know

It is the right of consumers and comes from the right to know. Refers to the right of consumers to obtain knowledge about consumption and consumer rights protection.

(7) the right to form an association according to law

Refers to the right of consumers to establish social organizations to safeguard their legitimate rights and interests according to law.

(8) the right to maintain dignity

It refers to the right of consumers to have their personal dignity and national customs respected when purchasing goods or receiving services.

(9) Supervision and criticism

It refers to the right that consumers enjoy to supervise goods and services and protect consumers' rights and interests.