Core Viewpoint - The article highlights the increasing consumer complaints regarding credit card marketing harassment, particularly through phone calls, and the challenges faced by banks in balancing performance and user experience amid regulatory scrutiny [1][3][4]. Group 1: Consumer Complaints - Daily, consumers receive 2 to 3 promotional calls, with some experiencing harassment late at night from AI customer service [1][2]. - In 2024, credit card complaints surged, with over 14,000 complaints on third-party platforms, indicating a significant issue in the industry [2][8]. - Major banks reported a dramatic increase in credit card-related complaints, with China Merchants Bank seeing a 89% rise from 29,100 to 55,100 complaints year-on-year [7][11]. Group 2: Marketing Strategies - Banks are facing pressure to increase credit card issuance, which has been declining for nine consecutive quarters, leading to aggressive marketing tactics [11][12]. - The traditional "scattergun" marketing approach is criticized for lacking precision and failing to meet user needs, resulting in consumer dissatisfaction [12][18]. - The rise of AI outbound calling technology has exacerbated the issue, with banks increasingly relying on automated systems for marketing, which often leads to consumer annoyance [13][14]. Group 3: Regulatory Environment - The implementation of new credit card regulations in July 2024 aims to address market irregularities and enhance consumer protection, yet complaints continue to rise [4][19]. - Legal frameworks, such as the Civil Code, provide consumers with avenues for recourse against harassment, as demonstrated by a successful lawsuit against a bank for privacy violations [18][21]. - Regulatory bodies are intensifying oversight, with significant fines imposed on banks for non-compliance in marketing practices [19][20]. Group 4: Recommendations for Improvement - Experts suggest that financial institutions should shift away from invasive marketing practices and adopt a more consumer-friendly approach [21][22]. - Recommendations include implementing precise marketing strategies using data analytics to target appropriate customer segments and enhancing customer service training to improve communication [22].

Core Insights - Credit card marketing harassment has become a significant issue for consumers, leading to a surge in complaints against banks [1][2] - Legal actions are being taken by consumers against banks for privacy violations, with successful cases resulting in compensation [1][2] Group 1: Complaint Statistics - In 2024, a total of 20.60 million complaints were received by China Merchants Bank, with credit card-related complaints reaching 55,100, an increase of 89% from 29,100 in 2023 [1] - Minsheng Bank received approximately 205,300 customer complaints in 2024, with credit card complaints totaling 140,000, up from 130,000 the previous year [2] - China Construction Bank reported 43,200 credit card-related complaints in 2024, a 34.6% increase from 32,100 in 2023 [2] Group 2: Consumer Experiences - Consumers report receiving multiple marketing calls daily, which disrupts their daily lives and work, despite requests to stop these calls [2] - Overdue borrowers face even more severe harassment, including high-frequency calls and threatening messages from banks or third-party collection agencies [2] Group 3: Legal Framework and Consumer Rights - The legal boundaries regarding credit card marketing harassment are becoming clearer, with successful cases providing consumers with effective means of recourse [2] - The process for filing a lawsuit is described as low-cost, with fees ranging from 25 to 50 yuan, making it accessible for consumers seeking to protect their rights [2]

这样的新鲜事，年轻人纷纷尝鲜。"减碳达人"魏英用45千克碳减排量成功抵扣了90元的 消费贷款利息。她也成为武汉首批享受"碳抵贷"红利的市民之一。 "平日里，我并没刻意去积攒碳减排量。"魏英介绍，她上下班主要选择乘坐地铁，外出 办事选择"地铁＋共享单车"。根据平台规则，乘坐地铁每公里可获得78.4克碳减排量，骑行 共享单车每公里则能获得93.3克碳减排量。按照每月22个工作日的通勤频率计算，她每月轻 松攒下26千克的碳减排量。 在家里，她继续探索着更多可以减少碳排放的方法：将家中电表与"惠节电"小程序相 连，通过随手关灯、合理使用电器等省电习惯，每月获得12.6千克的碳减排量；各种快递包 装盒积攒起来，定期投放到指定回收箱，每月又"赚得"4.5千克的碳减排量。 自2023年6月 上线以来，"武碳江湖"成为170万人手机里的"环保管家"。 见习编辑：冯瀚莹 6月28日，长江日报记者从民生银行武汉分行获悉，已有39位市民享受"碳抵贷"新福 利：他们用个人碳减排量抵扣贷款利息，完成370次兑换，累计抵扣740元利息。 看似微小的"碳抵贷"数据背后，是武汉在绿色低碳发展道路上的一次重要转变。这意味 着绿色低碳行为可以量 ...

Core Viewpoint - The article emphasizes the serious threat posed by illegal fundraising activities, likening them to a "tumor" that endangers public financial security. It highlights the proactive measures taken by Minsheng Bank's Jinan Lishan Branch to enhance public awareness and prevent financial fraud [1]. Group 1: Public Awareness Initiatives - Minsheng Bank's Jinan Lishan Branch is actively conducting multi-level and wide-reaching promotional activities to raise awareness about illegal fundraising [1]. - The branch has set up a "Financial Knowledge Consultation Window" specifically targeting vulnerable groups, such as the elderly, to explain the characteristics and dangers of illegal fundraising using real case studies [1]. Group 2: Community Engagement - The branch has formed a "Prevention of Illegal Fundraising Promotion Team" to conduct specialized activities in nearby communities, shopping areas, and enterprises [1]. - A joint seminar titled "Protect Your Wallet" was held in a local community, attracting dozens of residents, where new types of scams were analyzed and warning education videos were shown [1]. Group 3: Corporate Training - The bank provides "on-site teaching" services for corporate financial personnel, focusing on the legal consequences of illegal fundraising and compliant financing channels for businesses [1]. Group 4: Ongoing Commitment - Minsheng Bank's Jinan Lishan Branch recognizes that preventing illegal fundraising is a long-term battle and plans to deepen cooperation with law enforcement while exploring more relatable and engaging promotional methods to disseminate financial knowledge [1].

Group 1 - The core viewpoint is that Minsheng Bank's Jinan Lishan Branch is actively fulfilling its social responsibility by establishing a robust defense against illegal financial activities through diversified publicity, refined services, and technological empowerment [1][2] - The branch has set up a "Financial Safety Zone" in a prominent location within the bank to display brochures on preventing illegal fundraising and telecom fraud, and service managers proactively provide materials to customers during transactions [1] - A "Financial Propaganda Light Cavalry" team has been formed to conduct outreach in nearby communities and markets, using adapted real case scenarios to educate residents on fraud prevention in a relatable manner [1] Group 2 - The branch offers differentiated services tailored to various customer groups, focusing on personal information protection and fraud prevention for the elderly, and conducting activities to prevent illegal fundraising in enterprises [2] - Regular training sessions on typical illegal fundraising cases are organized for employees to enhance their risk identification and handling capabilities [1] - The branch plans to deepen police-bank cooperation and innovate publicity methods to contribute to a safe and healthy financial environment in the future [2]

Core Viewpoint - The event organized by Minsheng Bank aimed to enhance residents' awareness of financial risk prevention and educate them on identifying and avoiding illegal fundraising traps [1][2] Group 1: Event Overview - On June 18, Minsheng Bank's Weifang Linqu branch collaborated with local financial regulatory authorities to conduct a public awareness campaign at the Wanda Shopping Mall in Linqu [1] - The theme of the event was "Protecting the Wallet and Safeguarding Happiness," focusing on educating the public about illegal fundraising [1] Group 2: Educational Activities - Various methods were employed during the event, including setting up promotional booths, distributing informational brochures, and conducting interactive Q&A sessions to inform attendees about common illegal fundraising tactics [1][2] - The content covered definitions, characteristics, dangers of illegal fundraising, and relevant laws, with a focus on warning the public about "high-interest temptations," "false projects," and "illegal fundraising platforms" [1] Group 3: Community Engagement - To increase interactivity, a quiz segment was introduced where residents could answer questions related to illegal fundraising, allowing them to win small prizes [2] - The event successfully engaged the community, with participants expressing a deeper understanding of illegal fundraising and a commitment to being more cautious in their investment behaviors [2] Group 4: Future Initiatives - Minsheng Bank's Linqu branch plans to continue fulfilling its social responsibility by regularly conducting diverse financial literacy activities to promote ongoing awareness of illegal fundraising [2] - The bank aims to contribute to a harmonious and secure financial environment by protecting the public's financial interests [2]

为深入践行金融为民理念，提升社区居民金融素养，近日，民生银行泰安宝龙广场社区支行以普及金融 知识万里行活动为契机，走进社区休闲公园，开展"保障客户权益，乐享安心生活"主题宣传活动，将金 融知识送到居民身边。 互动问答环节，居民们热情高涨，纷纷就自身遇到的金融问题进行咨询。有居民询问如何修复不良征信 记录，工作人员详细解释了征信修复的正规流程，提醒居民切勿轻信所谓"征信修复"中介机构的虚假承 诺。还有居民对理财产品的风险等级表示疑惑，工作人员结合实际产品，深入浅出地进行了讲解。 活动结束后，不少居民表示受益匪浅。一位参与活动的阿姨感慨道："这些知识太实用了，以前总担心 自己会上当受骗，现在心里有底多了。" 此次活动共发放宣传资料300余份，解答居民咨询80余人次，有效覆盖人群500人，有效增强了社区居民 的金融安全意识和风险防范能力。民生银行泰安宝龙广场社区支行将持续开展多样化的金融知识普及活 动，走进更多社区、场所，为营造安全、和谐的金融环境贡献力量。 活动现场，该行工作人员精心布置宣传摊位，悬挂醒目横幅，摆放涵盖防范电信诈骗、反假币、个人征 信保护、远离非法集资等内容的宣传展板。工作人员手持宣传折页，主动向 ...

Group 1 - The core theme of the event was to enhance employees' ability to identify illegal fundraising activities and raise awareness about financial risks [1][2] - The bank utilized various methods such as distributing brochures, showing educational videos, and explaining typical cases to educate employees about the characteristics, common tactics, and dangers of illegal fundraising [1] - Employees were encouraged to maintain vigilance against temptations of "high returns, low risks" and to avoid trusting strangers or participating in unapproved fundraising activities [1] Group 2 - The event significantly improved employees' recognition of illegal fundraising and their understanding of personal asset protection [2] - A bank representative emphasized the importance of ongoing efforts to prevent illegal fundraising and the bank's commitment to social responsibility through various outreach initiatives [2] - Future plans include expanding the scope of financial literacy campaigns and innovating promotional methods to foster a community-wide approach to financial risk prevention [2]

Core Viewpoint - The recent anti-money laundering (AML) awareness campaign by Minsheng Bank in Weifang Changyi aims to enhance the understanding of AML among business personnel and merchants, thereby strengthening financial risk prevention and maintaining a sound market economy order [1][2]. Group 1: Campaign Details - The campaign titled "Anti-Money Laundering Knowledge into Business Circles, Together Protecting Financial Security" was conducted in the Changyi West City Market [1]. - Minsheng Bank set up a main promotional area in the core region of the business circle, displaying prominent anti-money laundering slogans and informative exhibition boards [1]. - Bank staff distributed carefully crafted anti-money laundering brochures and explained the basic knowledge, typical cases, and social hazards of money laundering to merchants and consumers [1]. Group 2: Risk Awareness and Education - The campaign addressed common risks in the business circle, such as frequent cash transactions, account leasing, and suspicious fund transfers, using real cases of virtual currency money laundering and illegal fundraising [1]. - Merchants were advised to avoid casually helping others with fund transfers and to report any suspicious activities to financial institutions or regulatory bodies [1]. Group 3: Interactive Engagement - An interactive Q&A session was held, featuring a "mini-class" on anti-money laundering, where bank staff answered merchants' questions regarding account management and large transaction reporting [2]. - Customized anti-money laundering knowledge manuals were distributed to facilitate ongoing learning for merchants [2]. Group 4: Impact and Future Plans - The campaign reached over 30 merchants, distributed more than 40 promotional materials, and provided over 20 consultations, effectively increasing the awareness and participation of the business community in anti-money laundering efforts [2]. - Minsheng Bank plans to deepen cooperation with the business circle, regularly conduct anti-money laundering education, innovate promotional methods, and expand outreach to foster a clear financial ecosystem [2].

Group 1 - The core theme of the event was to enhance community residents' awareness of credit and promote credit knowledge, emphasizing the importance of maintaining a good credit record for various aspects of life, including financial activities and daily living [1] - The event included practical advice on maintaining a good credit record, such as timely repayment, responsible credit card usage, and careful selection of loan institutions to avoid high-interest loans [1] - The interactive quiz segment engaged residents, allowing them to learn about credit knowledge while enjoying the activity, which contributed to a positive learning experience [1] Group 2 - Residents gained a deeper understanding of the importance of personal credit records and how to query and maintain them, enhancing their financial risk awareness [2] - Feedback from participants indicated that the event was beneficial and informative, with many expressing a newfound commitment to maintaining their credit records [2] - The bank plans to continue similar promotional activities to further educate the community on financial knowledge and contribute to a harmonious financial environment [2]