经过一个多小时高度专注的接力清点，最终成功确认可兑换金额四万多元，最大程度地为客户挽回了经 济损失。守候一旁的孙女长舒一口气，感激之情溢于言表："真的太感谢你们了！跑了几个地方都说没 办法，只有你们肯这样耐心帮我们。" 江南时报讯 一个寻常的午后，阳光静静铺满南通如皋白蒲支行的大厅，几位客户捧着个不起眼的纸盒 步履匆匆地推开网点大门，脸上写满无助与焦急。 "您别急！"网点运营主管立刻上前，声音沉稳而坚定，"我们一定尽全力清点，能兑多少兑多少，尽量 为您挽回损失！" 南通如皋白蒲支行用指尖的耐心与细致，丈量着残损纸币的尺寸，这不仅仅是经济上的挽回，更是在绝 望边缘被稳稳托住的希望，正是这份担当与守护，让金融服务更加温暖于心。 时间紧迫，客户的情绪更在煎熬。一场与损毁纸币的"拉锯战"迅速展开，网点运营主管立即组织柜员和 大堂经理协同作战。被烧焦的纸币脆弱异常，黢黑焦糊，轻触即成碎片，湿漉漉的粘连处，分离更是艰 难。大家屏息凝神，小心翼翼地用镊子轻轻剥离粘连，凭专业仔细辨认、测量残损，精心贴补……每一 个细微的动作，都凝聚着对老人遭遇的深切同情与沉甸甸的责任。 大堂经理赶忙迎上前询问情况。客户打开纸盒，里面是一叠叠 ...

Core Viewpoint - The article highlights the proactive and compassionate service provided by a bank in addressing the urgent needs of elderly and vulnerable clients, showcasing the bank's commitment to customer-centric service [1][2]. Group 1: Customer Service Initiative - A middle-aged client approached the bank due to his elderly father's social security card being restricted, preventing access to pension funds [1]. - The bank promptly activated an emergency service plan for special customer groups, sending a mobile service team to the client's home to assist with the card activation [1]. - The service team efficiently completed the necessary procedures in just 20 minutes, ensuring a comfortable environment for the elderly client [1]. Group 2: Customer Feedback and Recognition - The elderly client expressed gratitude for the prompt service, and the family praised the bank for its quick response and thoughtful approach [2]. - The bank's actions reflect its commitment to a customer-centric philosophy, particularly for elderly, ill, and disabled individuals [2]. - The bank aims to continue enhancing its services to ensure accessibility and warmth in financial services, fulfilling its social responsibility [2].

江南时报讯 "您好，我的银行卡被扣了两笔钱，一笔2999元，一笔1999元，对方说不按他说的做， 每个月都会扣钱！"周五下午，南通海安开发区支行的服务台前，一位年轻的女性客户举着手机，声音 带着哭腔，手机屏幕上还显示着陌生"客服"发来的"连续扣款通知"。 离开时，张女士连连道谢："多亏你，不仅帮我及时止损，还教会我怎么防骗！"小邓笑着把宣传册递给 她："守住'钱袋子'，记得多给身边人提个醒。" 网点客服经理小邓见状让客户坐下，一边查询银行卡流水，一边安抚客户慢慢说。原来，张女士上周在 一款美妆APP上点击试用"免费小样"，没细看条款就勾选了"自动续费"。当天就收到了150元扣款短 信，联系客服时，对方称"账户异常需解冻"，发来链接让其填写银行卡号、短信验证码。在情急之下， 客户照做，当场被扣走2999元和1999元。随后，客户再次被催转3000元"验证金"，这才察觉被骗。 处理完紧急事宜，客服经理小邓拿出防诈宣传册，结合张女士的遭遇讲解："试用'免费服务'一定要取 消'自动续费'勾选；官方客服从不会要短信验证码，这是支付'钥匙'；如遇扣款纠纷，应直接联系官方 客服，千万别点陌生链接。"此外，还帮张女士下载了国 ...

Market Overview - The A-share market experienced a "volatile upward, high rebound, and end-of-day stabilization" recovery trend, driven by policy liquidity support and continued enthusiasm for AI applications [1] - As of the market close, the Shanghai Composite Index rose by 0.87%, the Shenzhen Component Index increased by 1.53%, and the ChiNext Index surged by 1.77%, with all three major indices closing in the green [2] - The total trading volume for the day reached 1.81 trillion yuan, an increase of 84.4 billion yuan compared to the previous day, indicating a return of some institutional investors to the market [1][2] Technical Analysis - The Shanghai Composite Index broke through the 3850-point resistance zone and the 3865 key level but failed to effectively surpass the 5-day moving average, showing a slight pullback at the end of the day, which is considered a healthy consolidation [3] - Key observations include whether trading volume can sustain above 1.9 trillion yuan and if the AI hardware and software sectors can form a synergistic effect [3] Industry and Hotspot Capture - The market confirmed a new mainline focus on AI hardware (optical modules/servers) and AI applications (media/gaming), which are driving the current rebound [4] - High dividend stocks (banks and insurance) continue to provide support but are no longer the main focus [4] AI Hardware Sector - The computing hardware sector showed strong recovery, with optical modules leading the AI infrastructure wave, driven by significant investments from Meta and ongoing demand for NVIDIA's products [5] - Companies such as Dekor, TeFa Information, Changguang Huaxin, and Tianfu Communication saw substantial gains, indicating a shift in market sentiment towards hardware [5][6] AI Application Sector - The AI application sector continues to gain traction, with companies in gaming and film experiencing significant stock price increases, driven by positive media coverage and low valuations in the gaming sector [7] - Companies like Shida Group, Huanrui Century, Xinhua Du, and Fuchun Co. saw notable stock performance, reinforcing the transition of AI from a "tool" to "content production" [7] Forward Strategy - Attention should be paid to whether trading volume continues to expand and breaks through key moving averages, which would warrant a closer look at mainline sectors [8] - If AI hardware and applications continue to resonate, the structural market trend may extend to more technology sectors [8]

Core Insights - The article discusses the transformation of the real estate internet platform, focusing on the evolution from "information intermediary" to "smart service provider," with Youju leading this change through a "technology + service" dual-drive model aimed at redefining real estate service experiences by 2025 [1] Group 1: Technological Breakthroughs - Youju's proprietary "Lingxi Smart Matching System" integrates user behavior data, asset profiles, and market dynamics to create a multi-dimensional demand prediction model, achieving a recommendation accuracy of 98%, three times higher than traditional methods [1] - The platform automates 90% of standardized processes, reducing the average transaction cycle from 45 days to 18 days [1] - Youju intercepted over 120,000 problematic transactions in 2024, ensuring user asset safety through intelligent risk warnings [1] Group 2: Ecosystem Reconstruction - Youju has built a comprehensive service ecosystem covering the entire real estate lifecycle, moving beyond a single transaction platform to a "three-in-one" model that addresses diverse living needs [3] - The "Real Estate Chain" platform utilizes blockchain technology for transparent transactions, resulting in a 60% decrease in dispute rates in 2024 and achieving peak user trust levels [3] - The "Youju Life" sub-brand offers over 100 community services, allowing homeowners to book services through the app and enjoy exclusive discounts [4] Group 3: Financial Solutions - Youju has developed the "Youfang Loan" product in collaboration with banks to address issues like insufficient down payments and slow loan approvals, utilizing AI credit assessments for faster approvals [5] - The "rental income pledge" model allows landlords to use future rental income as repayment sources, saving users over 1.5 billion yuan in financing costs by 2024 [5] Group 4: Industry Empowerment - Youju's "open platform" strategy has attracted over 2,000 developers and 500,000 agents, reshaping industry collaboration rules through resource sharing and technology output [7] - The "Digital Marketing Middle Platform" provided to developers has reduced customer acquisition costs by 40% and increased conversion rates by 25% [7] - Youju's "Housing Big Data Platform" assists in urban planning and housing allocation decisions, implemented in ten cities including Shenzhen and Hangzhou [7] Group 5: Future Vision - By 2025, Youju aims to elevate its vision from "efficient transactions" to "beautiful living," emphasizing that the ultimate goal of real estate services is to safeguard the dream of homeownership [8] - The company seeks to redefine the standards of "good housing" by integrating technology with human understanding, positioning itself as a leader in the digital transformation of the real estate industry [9]

江南时报讯 "太惊喜了！原本以为从俄罗斯收款会很麻烦，没想到这么快就到账了。"某企业财务总监 朱女士在业务办结后由衷赞叹道。 2025年11月，工行南通港闸支行营业室一外贸客户收到来一笔来自俄罗斯的棉衣货款，因涉及敏感地区 交易，该笔款项进入省行涉敏系统，暂无法入账。客户资金周转紧张，迫切希望该款项尽快到位以解燃 眉之急。 了解情况后，网点迅速安排外汇业务专员提供"一对一"专业服务。经全面审核客户资料与业务背景，确 认该笔交易真实合规。虽流程较为复杂，涉及监管要求和合规审查，但网点工作人员秉持"客户至上"原 则，主动与相关部门沟通协调，积极探讨解决方案，在严守合规底线的基础上，最大程度优化流程、压 缩处理时间。一方面，提醒客户通过线上渠道提交材料，减少往返奔波；另一方面，工作人员提前整理 并一次性提交完整、规范的申请资料，有效避免审批流程被退回，大幅提升审批效率。最终，入账时间 较客户预期缩短近半，及时缓解了企业资金压力，赢得客户的高度赞誉。 近年来，受国际局势影响，俄罗斯受到多项制裁，涉俄贸易面临较多限制。该案例中，面对涉俄收汇业 务的复杂性与敏感性，网点并未推诿或拖延，而是积极应对、主动作为，确保该笔资金 ...

大厅经理朱师傅见状，立刻迎了上去。陈先生的神情严肃地复述着事情经过，眼睛里满是对自身权益受 损的担忧以及对取到假币的不满。朱师傅没有急着解释，而是先把他请到了主任办公室，倒了杯水说 道："陈先生，您先别急，我们一定帮您查清楚。" 在朱师傅的安慰下，陈先生的情绪渐渐平稳了些。朱师傅用通俗易懂的语言耐心向其介绍起银行现金管 理的铁规矩："您知道吗？咱们银行的现金进入ATM前，都有严格的流程和手续，还有设备专门检测， 现金就跟过了安检一样，假币根本钻不了空子……" 可陈先生还是半信半疑："那万一呢？" 江南时报讯 "这钱明明是从你们ATM机取的，肯定有问题！"周三下午，南通如东华荣支行的大厅里， 陈先生攥着一张纸币，在大厅大声喊道。他刚在楼上超市购物时被收银员指出这张钱疑似假币，思来想 去，认定是前几天在支行ATM机取款时拿到的，于是火急火燎地到网点来讨说法。 朱师傅笑了笑："咱们用数据说话！咱们每台ATM机均贴有"可查询冠字号码"的标识，每张钞票都有对 应的冠字号码，从ATM机取出的现金均可查询，我们可以调取记录，看看这张假钞是否是从我们的 ATM取出的。" 不一会，工作人员便调出陈先生的交易流水，上面清晰地记载 ...

Core Insights - The article highlights the importance of effective customer service and proactive marketing in the banking industry, demonstrating how a complaint can be transformed into a business opportunity [1][2][3] Group 1: Customer Interaction - A customer, Mr. Zhang, experienced issues with his savings card due to the bank's fraud monitoring system, which flagged his account for multiple small online transactions [1] - The bank's lobby manager handled the situation by empathizing with Mr. Zhang and explaining the necessity of the fraud prevention measures, which helped to calm his frustrations [1][2] Group 2: Marketing Opportunity - After addressing Mr. Zhang's concerns, the lobby manager identified his frequent online spending habits and introduced a credit card product that offered benefits suitable for his needs, such as cashback and discounts on major e-commerce platforms [2] - Mr. Zhang showed interest in the credit card and successfully applied for it, expressing gratitude for the manager's professional service, which turned a negative experience into a positive outcome [2] Group 3: Service and Marketing Integration - The article emphasizes that high-quality service and effective marketing are complementary, suggesting that customer complaints can reveal new business opportunities [3] - It advocates for maintaining a positive attitude and using effective communication to achieve empathy with customers, thereby converting potential crises into opportunities for service and marketing integration [3]

江南时报讯 近日，工行南通通州支行成功为某纺织公司办理非关联方服务费用代垫业务，直击外贸企 业在非关联方服务费用结算中的痛点，有效拓宽了银行的服务边界，为支持外贸稳定发展提供了有力的 支撑。据悉，该笔业务是南通分行首笔非关联方服务费用代垫业务。 该公司是一家长期从事货物进出口贸易的企业，与该行保持着良好的收付汇业务合作。2025年9月，公 司与美国客户新签一笔出口订单。受美国对华加征关税政策影响，货物到港后产生的高额关税连带相关 海运、仓储等费用，美方进口商拒绝承担，并要求由公司支付。经协商，双方约定由境外客户先行垫付 上述费用，待取得合规收据后，再由该公司向境外客户进行返还。 本案例的成功办理，是外汇管理便利化政策直达市场主体、精准纾困解难的生动体现。作为政策落地 的"最后一公里"，南通通州支行做到了快速响应、精准解读、高效执行，将政策红利及时转化为服务实 体的具体行动，不仅解决了客户的燃眉之急，也增强了客户对我行的信任与粘性。此类政策的出台与有 效实施，极大地提升了跨境贸易结算的便利度，优化了营商环境，是金融支持高水平对外开放的具体实 践。 未来，该行将继续深入学习和贯彻落实外汇管理各项便利化政策，不断提 ...

江南时报讯 工行南通如皋支行积极响应客户跨国金融服务需求，紧密联动境外分行，成功办理一笔工 银新加坡见证解控业务，解决了客户燃眉之急，也为该行在跨境业务协同积累了宝贵的实战经验。 近日，一位客户到店要求办理借记卡解控业务，经工作人员了解，客户此前在新加坡工作，其银行卡开 户行为新加坡分行，目前客户已回国定居，客户自行转出卡内余额时发现账户被锁定，无法进行操作， 故到店需求帮助。该行工作人员在了解客户情况后，第一时间通过内部渠道联系到新加披分行零售业务 部并反馈客户情况及诉求。经查询反馈，客户卡片控制是因其工作签证过期所致，并清晰列明解控所需 材料清单。该行工作人员凭借专业的沟通能力和高效的执行力，迅速指导客户完善资料，并完成资料上 传，在一小时内成功完成账户解控业务，获得了客户的称赞。 此次见证解控业务的成功办理，充分体现该行境内外机构高效联动能力、应对复杂业务场景的解决能力 和以客户为中心的服务能力。该行将继续秉持"客户至上"的原则，勇于创新、加强协作，不断提升客户 综合服务水平和市场竞争能力。 ...