消费者金融风险监测2026

Consumer Finance RiskMonitor2026 This work is published under the responsibility of the Secretary-General of the OECD. The opinions expressed andarguments employed herein do not necessarily reflect the official views of the Member countries of the OECD. This document, as well as any data and map included herein, are without prejudice to the status of or sovereignty overany territory, to the delimitation of international frontiers and boundaries and to the name of any territory, city or area. The statistical data for Israel are supplied by and under the responsibility of the relevant Israeli authorities. The use ofsuch data by the OECD is without prejudice to the status of the Golan Heights, East Jerusalem and Israeli settlements inthe West Bank under the terms of international law. Kosovo*: This designation is without prejudice to positions on status, and is in line with United Nations Security CouncilResolution 1244/99 and the Advisory Opinion of the International Court of Justice on Kosovo’s declaration ofindependence. ISBN 978-92-64-69591-7 (print)ISBN 978-92-64-99922-0 (PDF)ISBN 978-92-64-68590-1 (HTML) Photo credits:Cover © Justlight/Getty Images. Corrigenda to OECD publications may be found at: https://www.oecd.org/en/publications/support/corrigenda.html.© OECD 2026 Attribution 4.0 International (CC BY 4.0) This work is made available under the Creative Commons Attribution 4.0 International licence. By using this work, you accept to be bound by the terms of this licence(https://creativecommons.org/licenses/by/4.0/).Attribution– you must cite the work.Translations– you must cite the original work, identify changes to the original and add the following text:In the event of any discrepancy between the original work and thetranslation, only the text of the original work should be considered valid.Adaptations– you must cite the original work and add the following text:This is an adaptation of an original work by the OECD. The opinions expressed and arguments employed inthis adaptation should not be reported as representing the official views of the OECD or of its Member countries.Third-party material– the licence does not apply to third-party material in the work. If using such material, you are responsible for obtaining permission from the third party and forany claims of infringement.You must not use the OECD logo, visual identity or cover image without express permission or suggest the OECD endorses your use of the work.Any dispute arising under this licence shall be settled by arbitration in accordance with the Permanent Court of Arbitration (PCA) Arbitration Rules 2012. The seat of arbitration shallbe Paris (France). The number of arbitrators shall be one. Preface Consumers of financial products and services experience a complex and dynamic landscape, shaped byevolving risks, opportunities andvulnerabilities. The rise infinancial scams and fraudsposes materialthreats to consumer confidence and financial well-being, while the rapid digitalisation of the financial sectoris transforming how consumers access, use and manage financial products and services, which presentsboth new benefits and challenges. At the same time, interest rates and inflation,which remain elevatedcomparedtopre-COVID-19pandemic levelsin several jurisdictions,result in increasedborrowing costsandplace pressure on manyhousehold budgets. Whenthese macroeconomic pressures interact with pre-existing vulnerabilities affecting certainhouseholds, such as lowlevels offinancial literacy,highdebt levels andconstrainedincomes, theyamplifyrisks toindividual andhousehold financialwell-being.Conduct-related risks, such asunclear disclosures,inadequate or misleadingfinancial adviceanddishonest sales practices,can lead toconsumer detrimentas individuals make decisions about how to choose financial products and services, and how bestto spend,save and invest their money. TheConsumer Finance Risk Monitor2026is published at an important moment,as structural economic,technological and conduct-related risks converge in ways that significantly elevate both consumerexposure and the need for strengthened oversight. Across seven chapters, the report examines andprovides evidence about risks affecting financial consumers, the financial products and services most likelyto give rise to consumer detriment, and trends in consumer complaints and financial scams and frauds. Taken together, responses from the 60 participating jurisdictions point to aconsumerexperience thatcontinues to evolve, influenced by technological transformation, economic pressures, and changes inmarket behaviour. Drawing on original data and analysis, the OECD is pleased to offer this report to supportpolicymakers in identifying andaddressing current and emerging trends, issues and risks, and instrengthening protections for financial consumers. Colm Kincaid, Carmine Di Noia, Chair ofOECD Working Party on FinancialConsumer Protection, Education and Inclusion Director for Finan