Risk Notice
Building a Joint Financial Security Barrier to Protect the Rights of Foreign Nationals

我国对外开放程度不断提高，越来越多的外籍人士来华工作、学习和生活。为了帮助外籍人士更好地适应中国的金融环境，保障消费者的资金安全和个人权益，避免在购买和使用金融产品及服务时遭遇风险，阳光人寿河北分公司发布风险提示“同筑金融安全屏障 共护外籍人士权益”。

With China's continuous advancement in opening-up,an increasing number of foreign nationals are coming to work,study,and live in China.To help foreign nationals better adapt to China's financial environment,safeguard their funds and personal rights,and avoid risks when purchasing and using financial products and services,Sunshine Life Insurance Hebei Branch issues this risk notice: "Building a Joint Financial Security Barrier to Protect the Rights of Foreign Nationals".

一、认准官方渠道，警惕非正规支付

(I)Use Official Channels Only,Beware of Informal Payment Methods

从事金融活动时，请务必认准金融机构官方渠道，切勿通过销售人员私人账户转账支付。

When engaging in financial activities,always use official channels of financial institutions.Never  transfer payments to sales staff's personal accounts.

如对支付流程有疑问，务必寻求官方英文客服或值得信赖的、具备专业资质的双语顾问帮助确认。

If you have questions about payment procedures,seek confirmation from official English-speaking customer service or trusted bilingual advisors with professional qualifications.

二、根据自身需求，理性选择产品

(II)Choose Products Rationally Based on Your Needs

金融产品种类繁多，切勿盲目跟风购买与自身需求、经济状况、风险承受能力不匹配的产品。

Financial products vary widely.Avoid blindly following trends to purchase products mismatched with your needs,financial status,or risk tolerance.

在购买金融产品之前，应做好自身风险承受能力评估，金融机构会提供适当性风险测评问卷，请如实作答。

Before purchasing financial products,assess your risk tolerance and answer questions truthfully.

三、细读关键条款，知晓保障范围

(III)Read Key Terms Carefully,Understand Scope

认真阅读产品合同，关注合同细节，避免了解不清导致权益受损。

Review product contracts thoroughly and pay attention to details to prevent unclear understanding from harming your rights.

同时要注意条款中可能存在的与外籍消费者本国习惯不同的规定。

Note that terms may contain provisions different from practices in your home country.

四、保护个人信息，远离“代理投诉”陷阱

(IV)Protect Personal Information,Avoid "Agent Complaint" Traps

个人信息非常重要，例如护照号、在华银行账户信息、联系方式、住址等，这些信息一旦泄露，可能被不法分子利用。

Personal information is an important asset,such as passport numbers,bank account details in China,contact information,addresses,etc.Once leaked,this information may be used by criminals for illegal activities such as fraud,unauthorized fund transfers,or impersonation.

对主动联系您办理“代理投诉”业务的第三方机构或个人保持高度警惕。若在消费过程中遇到任何问题，请及时联系金融机构官方客服。

 Be highly vigilant against third parties or individuals proactively offering"agent complaint"services.Contact the financial institution's official customer service immediately if issues arise.

五、及时更新关键信息，保持沟通顺畅

(V)Update Key Information Promptly,Ensure Smooth Communication

签证/居留许可证状态发生变化会导致无法办理业务，信息发生变更后，需及时主动联系金融机构更新信息内容，保证沟通顺畅。

Changes in visa/residence permit status may prevent transactions.If your information changes,proactively update it with the financial institution to ensure smooth communication and uninterrupted services.

如有任何疑问或遇到问题，可以联系金融机构官方客服寻求帮助，依法维护自身合法权益。

For any questions or issues,contact the financial institution's official customer service to protect your lawful rights and interests in accordance with the law.（阳光人寿供稿）

网友评论