中国民生银行济南历山支行高度重视人民币防伪知识的普及工作，积极响应人民银行关于加强公众货币 防伪意识的号召，围绕"人民币防伪特征"主题，组织开展了一系列形式多样、内容丰富的宣传活动，旨 在提升社会公众对人民币真伪识别能力，维护金融秩序稳定。 在厅堂宣传方面，该支行充分利用营业网点的宣传阵地，通过在营业大厅设置防伪知识展板、播放防伪 宣传视频、发放宣传折页等方式，向前来办理业务的客户普及新版人民币的防伪特征。工作人员还现场 演示如何通过"看、摸、听、测"等方式识别真伪，增强客户参与感和学习效果。此外，支行还在柜台设 置"防伪知识小课堂"，由专业人员为有需求的客户进行一对一讲解，确保宣传内容深入人心。 在上门宣传方面，支行组织宣传小队深入周边商户、企业及建筑工地，针对现金使用频率较高的群体开 展"送知识上门"活动。通过面对面讲解、实物展示和互动问答，帮助商户和劳动者掌握基本的防伪技 巧，提升其在日常交易中识别假币的能力。特别是在建筑工地，宣传人员结合实际案例，讲解假币识别 的重要性，增强了务工人员的防伪意识和自我保护能力。 在社区宣传方面，支行联合街道办、社区居委会，走进居民小区举办防伪知识讲座和现场咨询活动。通 ...

在讲解过程中，工作人员将"代理维权"的常见骗局进行分类剖析:一是"全额退保"骗局，不法中介声称 可帮助消费者无条件全额退保，收取高额手续费后，往往通过伪造材料、虚构理由等方式申请退保，最 终导致消费者失去保险保障，还可能被保险公司列入黑名单；二是"征信修复"骗局，中介谎称能够删除 或修改征信不良记录，实则利用消费者急切心理骗取费用;三是"债务减免"骗局，中介以帮助消费者减 免贷款本息为幌子，诱导其暂停还款或拒绝与金融机构沟通，导致逾期加重、信用恶化，最终陷入更深 的债务危机。 此外，民生银行聊城分行还向企业员工发放了防范"代理维权"风险提示手册，手册中详细列出了不法中 介的典型特征、防范要点和维权途径，便于大家随时查阅和提醒身边人。工作人员提示，一旦发现可疑 中介，应及时向金融机构、监管部门或公安机关举报，共同维护金融市场秩序。 活动伊始，民生银行聊城分行的工作人员通过精心制作的PPT和生动的案例，向企业员工详细讲解 了"代理维权"的基本概念和常见模式。所谓"代理维权"，是指一些不法中介以"全额退保""修复征信""减 免债务"等为诱饵，诱导消费者委托其办理相关业务，实则收取高额费用后失联或从事违法活动，不仅 ...

Group 1 - The core theme of the event was to enhance the financial literacy of teachers at Yanzhong No. 1 Middle School, focusing on building a financial risk "protection wall" [1] - The event included practical discussions on common financial scenarios such as investment planning, mortgage repayment, and credit card usage, ensuring the content was relevant to the teachers' needs [1] - A senior financial lecturer explained basic financial concepts using simple language and illustrated the principle of "high returns accompany high risks" through comparisons of different investment products [1] Group 2 - During the interactive session, teachers actively asked questions about topics like the benefits of early mortgage repayment and how to calculate credit card installment fees, with staff providing detailed answers [2] - The event attracted over 20 teachers, distributed more than 30 informational materials, and conducted a survey indicating that 95% of teachers gained a clearer understanding of financial rights protection [2] - The bank plans to continue addressing the needs of the teacher community by launching an online "Financial Knowledge Classroom" to regularly provide practical information and enhance financial rights protection [2]

Core Viewpoint - The event organized by Minsheng Bank's Jinan branch aimed to enhance financial literacy and risk awareness among community residents through engaging activities and educational outreach [1][2]. Group 1: Event Overview - Minsheng Bank's Jinan branch collaborated with local community committees and businesses to host a unique consumer protection promotional event [1]. - The event featured a warm and vibrant setup, attracting numerous residents who actively participated [1]. Group 2: Financial Education and Awareness - Bank staff conducted financial education sessions, sharing important knowledge on preventing telecom fraud, avoiding illegal financial intermediaries, and protecting personal financial information [1]. - Residents engaged in interactive discussions, asking questions about financial issues they encounter in daily life, which were patiently answered by the staff [2]. Group 3: Community Impact - The successful event not only enriched residents' cultural lives but also fostered neighborly relationships and spread financial knowledge throughout the community [2]. - Minsheng Bank's Jinan branch plans to continue organizing diverse financial knowledge promotion activities in collaboration with local committees and businesses to further enhance community financial literacy [2].

Core Insights - Telecom network fraud has become a significant issue affecting the financial security of citizens, prompting Minsheng Bank to establish a comprehensive anti-fraud system that includes prevention, interception, and collaborative action [1][2] Group 1: Anti-Fraud Measures - Minsheng Bank has developed a full-chain anti-fraud system that leverages technology to create an intelligent risk control system and a collaborative mechanism with law enforcement [1] - The bank's proactive measures include real-time monitoring and alerts, which have successfully intercepted suspicious transactions involving elderly victims across multiple provinces [1][2] - The "Iron Triangle" collaboration model among the bank, local law enforcement, and other financial institutions has proven effective in quickly responding to and intercepting fraudulent activities [1] Group 2: Case Studies - In a specific incident, Minsheng Bank's Changsha branch successfully intercepted a suspicious cash withdrawal of 200,000 yuan by a young male customer, which was later confirmed to be linked to online criminal activities [2] - A community manager at the Nanjing branch identified a potential fraud case involving an elderly customer who was misled into transferring funds under the pretense of a refund, leading to immediate intervention and prevention of financial loss [3][4] - The Shantou branch also reported successful prevention of a scam involving a nearly 60-year-old woman who was about to invest 50,000 yuan in a fraudulent scheme, highlighting the importance of staff vigilance and customer education [5]

Group 1 - The core idea of the news is the innovative approach taken by Minsheng Bank to combine traditional culture with financial education, making the dissemination of financial knowledge more engaging and effective [1][2] - The "2025 Ningxia Financial Education Promotion Week" was launched with the theme "Protecting Financial Rights and Supporting a Better Life," featuring a collaborative effort from Minsheng Bank and ten other financial institutions to create an immersive "Financial Market" [1] - The "Financial Market" included five themed areas designed to transform financial knowledge into interactive experiences, such as games and performances that educate the public on financial literacy and fraud prevention [1] Group 2 - A representative from Minsheng Bank expressed the goal of enhancing the appeal and impact of financial education through cultural empowerment and collaborative efforts, aiming to create a new model for financial education [2] - Customer feedback highlighted the warmth and attentiveness of the bank's services, indicating a strong brand reputation built on responsible service [2] - Minsheng Bank plans to continue innovating in consumer protection efforts, using the financial education week as an opportunity to enhance service quality and safeguard customers' financial interests [2]

Core Viewpoint - The upcoming eight-day holiday combining National Day and Mid-Autumn Festival is expected to ignite a consumption boom, supported by government policies aimed at boosting consumer spending [1][2]. Group 1: Government Policies - The Chinese government has introduced a series of measures to stimulate service consumption, including 19 specific initiatives aimed at expanding service consumption [1]. - Financial institutions are encouraged to increase credit support for service consumption, highlighting the importance of financial power in driving consumption recovery [3]. Group 2: Financial Institutions' Role - Financial institutions, particularly credit card companies, are becoming vital in connecting consumers with businesses, with initiatives like those from China Minsheng Bank's credit card center showcasing the synergy between finance and consumption [2][4]. - The "Five Major Articles" from the National Financial Supervision Administration emphasize the role of digital finance in enhancing service convenience and competitiveness, aligning with the goal of boosting consumption [3]. Group 3: Consumer Engagement Strategies - China Minsheng Bank's credit card center has launched various consumer incentive activities, such as partnerships with platforms like JD.com and Meituan, to lower consumer spending thresholds and enhance digital payment experiences [4]. - Ongoing promotional activities, including discounts and cashback offers, are designed to stimulate high-frequency consumption across various sectors, including dining and entertainment [5]. Group 4: Market Outlook - Data from Nielsen indicates that consumer spending is expected to surge during major holidays, with sectors like tourism, shopping, and dining poised for a peak in activity [5]. - The collaborative efforts between financial institutions and market players are anticipated to create a high-quality consumption service chain, injecting vitality into the consumer market [5].

Core Viewpoint - The upcoming Mid-Autumn Festival and National Day holidays are expected to boost consumer spending, prompting financial institutions like China Minsheng Bank to enhance support for consumption through various promotional activities [1][2]. Group 1: Consumer Market Trends - The consumer market is entering a peak season as the dual holidays approach, with a focus on diverse consumer needs and quality service [1][2]. - The National Bureau of Statistics reported a 3.4% year-on-year increase in retail sales of consumer goods in August, indicating a growing demand for quality and service-oriented consumption [2]. Group 2: Financial Services Innovations - China Minsheng Bank's credit card center is launching a series of promotional activities, including exclusive offers for the Minsheng Sam's Club co-branded credit card and various discounts across multiple brands [2][3]. - The bank is collaborating with major platforms like JD.com, Meituan, and Alipay to enhance consumer experience through initiatives like the "One-Click Card Binding" campaign, offering up to 188 yuan in payment discounts [3][5]. Group 3: Enhancing Consumer Experience - The bank's "All-in-One Manager" service extends discounts to everyday life services, allowing cardholders to enjoy savings on utility payments and other daily expenses [5][6]. - The integration of financial services with daily consumer needs aims to create a more convenient and beneficial experience for customers, reflecting the bank's commitment to enhancing the quality of life [5][6]. Group 4: Future Outlook - The "Double Festival" activities are seen as a starting point for ongoing innovation in financial services, with the bank aiming to continuously optimize products and services to inject new momentum into the consumer market [6].

Group 1 - The concept of "suitability management" refers to financial institutions identifying, advising, matching, selling, and trading products based on their attributes and risks, alongside clients' financial needs and risk tolerance [2] - Financial institutions are responsible for ensuring that suitable products are sold to appropriate clients, adhering to legal and regulatory requirements [2] - Risk levels of financial products are categorized from low to high, with five levels defined: Level 1 (low risk), Level 2 (lower risk), Level 3 (medium risk), Level 4 (higher risk), and Level 5 (high risk) [3][4] Group 2 - Level 1 products primarily invest in low-risk short-term financial assets, such as money market funds and cash management products [3] - Level 2 products mainly invest in debt assets with a low proportion of equity assets, presenting a lower overall risk [3] - Level 3 products typically invest in debt assets with equity assets not exceeding 40%, facing some risk of principal loss [3] Group 3 - Level 4 products invest in both equity and debt assets, with equity assets exceeding 40%, thus facing significant principal loss risks [3] - Level 5 products can invest entirely in equity or derivative assets, facing extreme risks of principal loss [3] - The risk ratings are based on past performance and risk conditions of similar products, but do not guarantee future risk-return characteristics [4] Group 4 - Investors must undergo a risk tolerance assessment before purchasing financial products, ensuring their risk capacity meets or exceeds the product's risk level [6] - The assessment includes factors such as age, financial status, investment experience, objectives, expected returns, risk preferences, liquidity needs, and loss tolerance [6] - The validity of the risk assessment is twelve months, after which a new assessment is required for purchasing bank-distributed products [8]

Core Viewpoint - Minsheng Bank's Beijing branch is actively implementing a comprehensive consumer protection system, focusing on anti-fraud measures, counterfeit currency prevention, and elderly care, to enhance financial service safety and convenience for the public [3][9]. Group 1: Consumer Protection Initiatives - The bank has established a "Big Consumer Protection" work system, emphasizing the political and public nature of financial work, and is committed to safeguarding consumers' financial interests [3][9]. - Various activities have been organized, including over 300 events targeting the elderly, such as health checks and cultural performances, to promote financial literacy and well-being [4][5]. Group 2: Targeted Education and Outreach - The bank conducts tailored financial education programs for different demographics, including the elderly and youth, using engaging methods like games and hands-on activities to improve financial literacy [5][6]. - Community outreach efforts include practical services like counterfeit currency identification and small denomination currency exchange, aimed at workers, villagers, and foreign nationals [6][10]. Group 3: Innovative Communication Strategies - Minsheng Bank employs a dual approach of online and offline education, utilizing public education zones in branches and digital platforms to disseminate financial knowledge and risk awareness [7][8]. - The bank collaborates with local authorities and community organizations to enhance the effectiveness of its educational initiatives, including joint efforts with law enforcement to address fraud and counterfeit issues [7][9]. Group 4: Service Optimization and Accessibility - The bank is committed to improving service accessibility through infrastructure upgrades, ensuring all branches meet standards for serving visually impaired consumers and providing convenient facilities for the elderly [9][10]. - Innovations in service processes include integrating financial education into all customer interactions and enhancing the functionality of self-service devices to cater to the needs of older clients [9][10].