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9月底起內地禁為虛擬貨幣發行交易提供網絡行銷服務
中國人民銀行等八部門聯合發布《金融產品網絡營銷管理辦法》,將自9月30日起實施,系統規範金融產品網絡營銷活動,對營銷內容真實性、風險揭示、算法推薦、彈窗廣告、帳號命名、商標用語、合作模式、數據與個人信息保護等提出細化要求,明確金融管理部門、網信、電信及市場監管等部門的監管分工和處罰措施。辦法明確僅經批准的金融機構及其自營平台和受託第三方互聯網平台可開展金融產...
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9月底起內地禁為虛擬貨幣發行交易提供網絡行銷服務
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中國人民銀行等八部門聯合發布《金融產品網絡營銷管理辦法》,將自9月30日起實施,系統規範金融產品網絡營銷活動,對營銷內容真實性、風險揭示、算法推薦、彈窗廣告、帳號命名、商標用語、合作模式、數據與個人信息保護等提出細化要求,明確金融管理部門、網信、電信及市場監管等部門的監管分工和處罰措施。

辦法明確僅經批准的金融機構及其自營平台和受託第三方互聯網平台可開展金融產品網絡營銷,禁止為非法集資、非法證券期貨活動、非法吸收存款、非法放貸、虛擬貨幣發行交易、非法外滙保證金交易及境外機構未經許可,面向境內居民提供金融產品服務等非法金融活動提供網絡營銷服務。

同時,第三方互聯網平台不得將金融機構委託業務向其他機構轉委託或變相轉委託,為金融消費者和投資者購買金融產品提供轉接渠道的,應當跳轉至金融機構自營平台,不得跳轉至其他開展金融產品網絡營銷的第三方互聯網平台。

辦法要求網絡營銷內容應當使用準確通俗的語言介紹金融產品關鍵信息,不含有虛假或引人誤解的內容。針對算法推薦及直播營銷等新模式,以及強制搭售、騷擾營銷及違規使用金融字樣等問題,提出相應的規範要求。

辦法並要求,網絡營銷內容應當使用準確通俗的語言介紹金融產品關鍵信息,不含有虛假或者引人誤解的內容。針對算法推薦、直播營銷等新模式,以及強制搭售、騷擾營銷、違規使用金融字樣等問題,提出相應的規範要求。

同時,貸款產品將不得使用「低門檻」、「秒到賬」及「低利率」等營銷話術;支付機構收銀台頁面中支付工具必須與貸款等金融產品區隔展示,不得誤導用戶混淆支付工具與貸款產品;未取得金融及金融信息服務業務資質的機構在其營運的APP和註冊商標中不得使用金融字樣;非金融機構從業人員不得通過直播、短視頻及公眾號等形式營銷金融產品,特別是以薦股形式開展的非法證券投資諮詢等。(ta/w)

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