Xin Lang Cai Jing·2025-12-23 06:27Core Viewpoint - Postal Savings Bank of China has publicly announced the information of third-party mediation organizations for financial disputes, marking the first instance among state-owned banks to disclose such information at the headquarters level [3][6]. Group 1: Announcement of Mediation Organizations - The bank has specified that the third-party mediation organization it has entrusted is the Beijing Bingzheng Banking Consumer Rights Protection Promotion Center [6]. - This move is unprecedented among major state-owned banks, as previous attempts were made at the branch level with local regulatory support [3][6]. Group 2: Regulatory Background - The external impetus for this action stems from a directive issued in April by the Financial Regulatory Bureau and the People's Bank of China, which emphasized the importance of addressing financial disputes and establishing relevant mechanisms [4]. - The internal reason includes the increasing number of disputes between banks and consumers due to changing economic conditions [5]. Group 3: Industry Response and Innovations - Various banks are actively innovating to address complaints and disputes, with some local regulators setting specific targets to reduce complaint volumes [5][10]. - Some regions have adopted practices from the insurance sector, such as providing risk warnings and mediation organization information during service transactions [5][11]. Group 4: Importance of Third-Party Mediation - The establishment of third-party mediation organizations is seen as a necessary solution, especially in cases where both banks and consumers believe they are not at fault [9]. - These organizations can facilitate communication between consumers and banks, helping to resolve issues like overdue fees more effectively [9]. Group 5: Local Regulatory Efforts - Local financial regulatory departments are placing significant emphasis on improving financial dispute mediation mechanisms and have set ambitious goals to reduce consumer complaints by approximately 30% in some regions [10]. - Many banks are enhancing their consumer rights protection departments, establishing independent offices to better safeguard consumer interests [10].