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。 ...

Core Insights - The Industrial and Commercial Bank of China (ICBC) Nantong Xinqiao Branch has effectively implemented a customer-centric service model, responding to the needs of a construction company with many new employees lacking bank accounts [1][2] - The branch organized a dedicated service team to facilitate the opening of bank accounts and promote various financial products, enhancing customer satisfaction and engagement [1][2] Group 1 - The branch identified a significant need for banking services among new employees of a construction company who did not have ICBC bank cards [1] - A mobile service team was deployed to assist employees in opening accounts, utilizing portable card issuance technology despite challenges such as limited space and poor network signal [1] - The service included personalized guidance and marketing of additional financial products, such as pension accounts and credit cards, to meet diverse customer needs [1] Group 2 - The initiative resulted in the successful opening of 12 new specialty cards, 6 pension accounts, 11 mobile banking accounts, and 11 credit cards, along with 13 tripartite custody accounts [2] - The service approach exemplifies ICBC's commitment to inclusive finance and improving the quality of financial services for customers [2] - The branch plans to continue innovating service models to enhance efficiency and customer experience [2]

Group 1 - The Hong Kong capital market has shown strong performance since 2025, with 88 new IPOs this year and a total fundraising amount exceeding 250 billion HKD, maintaining the top position globally for IPO fundraising [1] - Daily trading volume in Hong Kong has surpassed 33 billion USD, setting a historical high and confirming the recovery outlook from several international financial institutions [1] - Hong Kong's advantages, such as transparent regulations and deep integration with mainland China, have attracted international institutional investors, boosting the IPO market's activity [1] Group 2 - The "A+H" dual listing model has become increasingly active this year, with significant assistance from Baihui Financial Holdings, facilitating multiple A+H listings [2] - Major mainland companies are using Hong Kong as a key bridge to international investors, with notable firms like CATL and Hengrui Medicine successfully listing on the Hong Kong Stock Exchange [2] - The trend of A+H listings indicates that A-share companies are enhancing their global capital reach and that Hong Kong is transforming into an international platform for high-quality Chinese assets [2] Group 3 - Hong Kong continues to play a dual role as a "super connector" and "super value creator," linking Chinese and global markets through its regulatory framework and professional financial services [3] - The Global Financial Centers Index report ranked Hong Kong first in financial technology development, supporting the innovative growth of the capital market [3] - The IPO activities and fundraising scale in Hong Kong are expected to maintain growth in the coming year, driven by the rapid development of AI, green technology, and new consumption sectors [3]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Nantong Branch has approved the first project financing in the province specifically targeting the funeral service industry, marking a significant breakthrough in expanding services in the livelihood sector and fulfilling social responsibilities [1] Group 1: Industry Overview - The funeral service industry is a unique social service sector that is crucial to basic livelihood and emotional solace for families, forming an important part of China's social security system [1] - There is an increasing demand for the industry to upgrade its services, facilities, and operations due to evolving societal norms and higher public expectations regarding standardization, humanization, and environmental sustainability [1] Group 2: Financing Details - The financing project underwent a thorough feasibility analysis by the approval team, which assessed the operational management, financial status, cash flow stability, project feasibility, and market prospects of the enterprise [1] - The project financing was determined to have good development potential and reliable debt repayment capability, with the project itself possessing both social value and economic viability, while overall risks were deemed manageable [1] Group 3: Implications of Approval - The successful approval of this financing not only meets the reasonable funding needs of the enterprise during its transformation and upgrade process but also injects strong financial support for enhancing service quality and achieving green sustainable development [1] - This initiative opens up a new financing avenue within the sector, highlighting the bank's commitment to social responsibility and innovation in financial services [1]

Core Insights - ATFX is enhancing its compliance framework in the Middle East and North Africa (MENA) region by appointing Charbel Raffoul as the new compliance head, following the earlier appointment of Graham Morris for Australia [1][2] - The appointment reflects ATFX's commitment to strengthening regulatory compliance and governance standards, which are crucial for sustainable growth and risk management in diverse markets [1][2] Group 1 - Charbel Raffoul brings over 15 years of experience in compliance, anti-money laundering (AML), and regulatory affairs in the MENA region, having held senior leadership roles in various international financial institutions [2] - His expertise includes designing and implementing robust compliance frameworks and managing complex regulatory collaboration projects across multiple jurisdictions [2] - Raffoul's role will involve overseeing ATFX's compliance system, regulatory communication, and policy execution in the MENA market, ensuring a strong foundation for high-quality expansion [1][2] Group 2 - Khaldoun Sharaiha, CEO of ATFX MENA, emphasized Raffoul's extensive knowledge and commitment to integrity and compliance, which are essential for the company's strategic expansion and building trust with clients and partners [3] - Joe Li, Chairman of ATFX Group, expressed high expectations for Raffoul's contribution to maintaining the company's governance culture and aligning with its global operational vision [3] - ATFX aims to continue its talent-driven approach, seeking professionals across various fields to enhance its services and provide reliable fintech solutions globally [3]