新华网北京1月20日电 题：给装修款上把"安全锁" 记者发现，当前装企推出的资金存管业务，在操作流程上虽略有不同，但基本都按照"水电验收→中期验收→竣工交付"等节点，经消费者验收后 付款的机制执行，不同装企在合作平台、节点设置和付款比例等细节上有所区别。 今朝装饰集团总经理戴仙艳介绍："我们选择与支付宝平台合作，客户只需要在支付宝上开通一个自己的资金存管账户，把钱打进去，每一个节 点客户确认验收后，钱才从自己的资金存管账户划转到装修公司的账户，主动权交还给了客户自己。" 新华网记者李连章 高方圆 2025年12月底，全国多家头部家装企业密集推出"资金存管"业务，在行业掀起了一股加强资金安全的新风。 资金存管模式在互联网金融、证券交易、在线支付、房产交易等多个领域被广泛应用，以"有效降低资金挪用风险，提升交易透明度"被大家熟 知，但在家装业务中，却是新生事物。 家装资金存管顺势而生 中国消费者协会数据显示，2024年房屋装修及物业服务类投诉量达21216件，其中资金挪用、卷款跑路、增项加价等问题突出。 在这样的背景下，头部装企开始尝试推出资金存管服务，以应对家装"预付费"模式盛行下存在的行业痛点，更大程度获取消 ...

Core Viewpoint - Wuhan Shengdu Decoration has launched a brand service upgrade event, introducing key measures such as "funds bank custody," "third-party inspections," and "supply chain collective procurement" to enhance service quality and consumer trust in home decoration [1][3][12] Service Upgrade - The introduction of funds custody service is aimed at ensuring the safety of consumer funds, which is a critical issue in the home decoration industry [3][5] - The funds custody service allows homeowners' renovation payments to be held by banks and released in stages based on project milestones, preventing companies from unilaterally accessing the funds [5][8] - Wuhan Shengdu has become the first city in the country to implement this service across all categories, serving over 1,600 households [5][8] System Support - The "flying inspection" quality supervision system has been implemented, involving independent third-party teams conducting random checks on over 100 detail points throughout the construction process [8][10] - The flying inspection has already covered more than 66 construction sites, with a commitment to rectify any identified issues to ensure consumer confidence [10] - A strict collective procurement system has been established in collaboration with leading brands to enhance material quality and provide better pricing [10] Industry Significance - The home decoration industry plays a vital role in promoting domestic demand and stabilizing employment, making the service upgrades significant for industry standardization [10][12] - The funds custody service is becoming a fundamental trust line in the industry, encouraging more companies to adopt similar practices [12][14] Transparency in Construction - The "Construction Site Thousand Miles Tour" initiative was launched to promote transparency, allowing various stakeholders to inspect ongoing projects [12] - The use of the Beike Cloud Vision system enables homeowners to monitor construction progress and access detailed reports, ensuring full visibility throughout the renovation process [12][14] Future Outlook - Wuhan Shengdu Decoration aims to continue prioritizing customer satisfaction and leveraging technology to enhance service quality, contributing to the high-quality development of the residential service industry [14]

Core Viewpoint - The introduction of a "funds custody" payment model by Beike's Bowo Home aims to enhance consumer protection and trust in the home decoration industry, transitioning from a prepayment system to a more secure, transparent process [3][5][15]. Group 1: Background and Challenges - The home decoration industry faces trust issues due to its characteristics of low frequency, high price, and long service chains, with traditional prepayment models leading to consumer vulnerability [5]. - Prepayment has resulted in a high volume of complaints, as consumers often find it difficult to protect their rights when issues arise during the renovation process [5]. Group 2: Introduction of Funds Custody Model - Bowo Home, in collaboration with CITIC Bank, launched the "funds custody" service to restructure consumer safety at the transaction level, moving from direct payments to bank custody [5][13]. - The payment is released in stages based on three key acceptance points: concealed works acceptance (60%), basic acceptance (35%), and completion acceptance (5%), ensuring funds are only released after consumer approval at each stage [5][13]. Group 3: Impact on Consumer Experience - The funds custody model allows consumers to participate actively in the decision-making process, transforming the renovation experience from a passive one to an engaged one [11][15]. - Feedback from users indicates increased peace of mind, as funds are only released upon successful completion and acceptance of work [11]. Group 4: Industry Transformation and Future Outlook - The funds custody model has been implemented in 43 cities, serving over 25,000 families, with a user adoption rate exceeding 92% and a completion release rate of over 97% [13]. - This model is seen as a significant shift from reliance on corporate credit to institutional credit, potentially leading to a more transparent and regulated development phase in the home decoration industry [15].

Core Viewpoint - The emergence of the renovation fund custody business addresses consumer disputes arising from the "prepayment" model in the home decoration industry, enhancing consumer rights protection and promoting a new phase of high-quality, standardized development in the industry [1][4]. Group 1: Fund Custody Mechanism - The innovative model features a "designated account and milestone release" fund management mechanism, ensuring that renovation funds are deposited into a bank-regulated custody account and only released upon consumer satisfaction at key project milestones [2][4]. - The fund custody service effectively eliminates the risk of fund misappropriation, aligning payment with project progress and quality [4][6]. Group 2: Consumer Empowerment - The fund custody service reverses the traditional passive payment relationship, empowering consumers with control over their funds throughout the renovation process [5][6]. - Consumers can monitor their funds through the bank's platform, ensuring transparency and security in the payment process [5]. Group 3: Industry Impact - The introduction of the fund custody mechanism by Beike's Weijia has set a service benchmark in the industry, compelling other companies to enhance service quality and consumer trust [6][7]. - The model has led to a significant reduction in customer complaints, fostering a positive interaction between consumers and service providers [6][7]. Group 4: Credit Ecosystem and Sustainable Development - The fund custody business contributes to the establishment of a credit system within the home decoration industry, addressing long-standing trust issues and promoting sustainable development [7][8]. - By enhancing transparency and accountability, the mechanism encourages a shift from sales-driven to service-driven business models, leading to overall quality improvements in the industry [7][8]. Group 5: Community Engagement - Weijia has initiated public welfare activities, such as the "Home Decoration Safety Consumption Classroom," to educate consumers about renovation risks and enhance their protective capabilities [8]. - This initiative combines consumer education with the fund custody service, fostering a collaborative ecosystem involving enterprises, financial institutions, consumer associations, and consumers [8].

Core Viewpoint - The launch of the fund custody service by Beike Zhengzhuang marks a significant step towards enhancing consumer protection and promoting transparency in the home decoration industry, addressing long-standing issues related to payment and service quality [1][3][10]. Group 1: Fund Custody Service Overview - The fund custody service has been implemented in 43 cities, providing safety guarantees for over 25,000 families in home decoration [1]. - The service aims to address two main consumer pain points: loss of control after payment and lack of fund supervision, which can lead to misuse or fraud [3][5]. - The service operates through a mechanism involving milestone acceptance and bank disbursement, ensuring funds are released only upon consumer satisfaction at key stages of the renovation [5][7]. Group 2: Consumer Benefits and Industry Impact - The fund custody model allows consumers to have more control over their funds, enhancing their bargaining power and ensuring service quality [5][12]. - The service has led to a significant reduction in customer complaints, with complaints halved since its implementation, indicating improved service quality and consumer satisfaction [12]. - The model has been recognized as a response to national policies aimed at promoting high-quality development in the home decoration sector, contributing to a more trustworthy transaction framework [10][12][13]. Group 3: Future Directions and Industry Transformation - Beike Zhengzhuang plans to continue optimizing the fund custody service and expand its coverage to more cities and demographics, reinforcing its commitment to consumer welfare [13]. - The fund custody mechanism is seen as a catalyst for industry reform, pushing companies to focus on service quality and consumer rights, thereby driving high-quality development in the sector [12][13].

Core Insights - The home decoration industry in China has entered a trillion-yuan market scale, with a structural growth trend observed [1] - The prepayment model poses significant risks to consumers, as many companies require upfront payments of 30%-80%, leading to potential financial loss if companies default [1][2] - The introduction of a fund custody service by Beike aims to mitigate these risks by allowing consumers to pay in stages, with funds released only after verification of work completion [2][3] Industry Overview - The home decoration market is projected to reach a scale of 13,800 billion yuan by 2024, with integrated services accounting for 5,860 billion yuan (42.3% market share) [1] - Construction services follow closely with a market size of approximately 3,980 billion yuan (28.7% market share) [1] - Design and soft decoration services hold 12.1% and 10.5% market shares, respectively, with corresponding sizes of 1,675 billion yuan and 1,453 billion yuan [1] Consumer Risks - The prepayment model is a common practice in the industry, leading to significant consumer risk, particularly in small and medium-sized enterprises [1] - Complaints related to fund misappropriation and company defaults remain high, indicating a persistent issue in consumer trust [1] Innovative Solutions - Beike's fund custody service, launched in June 2024, allows consumers to pay in stages, with funds frozen until specific project milestones are verified [2][3] - The service has successfully served over 16,000 families and covered more than 4,500 communities, safeguarding over 2.4 billion yuan in funds [3] - The implementation of this service has led to a 50% reduction in customer complaints compared to the previous year [3] Market Transformation - The fund custody model is expected to shift the industry focus from price competition to value competition, potentially alleviating long-standing trust issues within the sector [4]

Core Insights - The event marked a significant step towards addressing the pain points of the home decoration industry by introducing a transparent new consumption trust system through a "funds custody service" [1][2][5] - The collaboration between CITIC Bank and Lingjiang Decoration aims to enhance consumer trust and ensure the safety of funds in home decoration transactions [1][3] Group 1: Event Overview - The "Transparent New Consumption Creation Demonstration Project and Home Decoration Funds Custody Launch Ceremony" took place in Changzhou, China, with the participation of various media and industry experts [1][2] - The initiative is guided by the China Interior Decoration Association and aims to create a healthier home decoration market [2] Group 2: Industry Challenges and Opportunities - The home decoration market is at a critical juncture, facing both challenges and opportunities, with a national push to optimize the consumption environment and boost consumer confidence [2] - Lingjiang Decoration is taking proactive steps to address core consumer pain points, aiming to eliminate information asymmetry in the industry [2][4] Group 3: Funds Custody Service Details - The funds custody service allows consumers to pay renovation funds into a dedicated account managed by CITIC Bank, ensuring that funds are released only upon meeting specific project milestones [3][4] - This model aims to prevent early fund misappropriation by decoration companies and enhances transparency in fund usage [3][4] Group 4: Commitment to Consumer Rights - The introduction of the funds custody service reflects a commitment to safeguarding consumer rights and ensuring that funds are used appropriately [3][4] - Lingjiang Decoration emphasizes the importance of building long-term trust with consumers, transitioning from a contractor-led to a customer-led approach in the industry [4] Group 5: Symbolic Launch - The launch ceremony was attended by representatives from CITIC Bank, Lingjiang Decoration, and the China Interior Decoration Association, symbolizing the start of a new era in home decoration consumption [5] - The initiative is expected to accelerate the formation of a positive consumption ecosystem based on funds custody [5]

Core Viewpoint - The launch of the renovation fund custody service by Shengdu, a direct home decoration brand under Beike, aims to rebuild consumer trust in the home decoration industry by establishing a regulated fund management system involving clients, banks, and enterprises [2][3] Group 1: Fund Custody Service - Shengdu's fund custody service is a collaboration with CITIC Bank, creating a "special account for special funds" system that releases funds based on construction milestones, ensuring consumer control over their funds [2] - The service addresses risks associated with the traditional "pay first, then construct" model, which can lead to issues like construction delays and quality problems [2] - The initiative has already been implemented in over 30 cities, safeguarding 33 billion yuan for more than 20,000 users since its inception last November [3] Group 2: Industry Impact - The introduction of the fund custody model is seen as a significant step towards enhancing consumer confidence and promoting a healthier development of the home decoration industry [2] - Industry leaders emphasize that this model sets a new benchmark for the sector, mitigating risks of fund misappropriation and ensuring funds are used specifically for their intended purpose [2] - The move is expected to facilitate a shift in the industry from a focus on "bad money driving out good" to "good money leading the market," creating a more transparent and secure home decoration ecosystem for consumers [3]

Core Viewpoint - The launch of the renovation fund custody service by Beike's direct home decoration brand, Shengdu, aims to rebuild consumer trust in home decoration transactions through a three-party fund supervision system involving customers, banks, and enterprises [1][3]. Group 1: Fund Custody System - The fund custody system introduced by Shengdu includes three main measures: establishing a third-party supervision account, releasing funds based on construction milestones, and ensuring that interest during the frozen period belongs to consumers [3][5]. - This system addresses risks associated with the traditional "pay first, then construct" model, which has led to consumer concerns over construction delays and quality issues [3][5]. Group 2: Industry Impact - The initiative reflects Shengdu's commitment to social responsibility and sets a new benchmark for the healthy development of the home decoration industry, contributing to the "reassured consumption in Jinan" city brand [3][5]. - The introduction of the fund custody model is seen as a significant step in mitigating fund misappropriation risks and enhancing consumer confidence in the home decoration sector [5][7]. Group 3: Strategic Goals - Beike's overall strategy includes integrating products, delivery, technology, and services, with fund custody being a starting point for enhancing customer satisfaction [9][11]. - The company aims to leverage technology, such as lightweight BIM and smart construction sites, to improve efficiency and consumer trust in the industry [9][11]. Group 4: Performance Metrics - Since the launch of the fund custody model in November last year, it has been implemented in over 30 cities, safeguarding 3.3 billion yuan for more than 20,000 users, with a completion release rate exceeding 99% [15]. - In Jinan, since the service went live on September 27, it has provided fund custody services for over 80 families, amounting to 4.3 million yuan [15].

Core Viewpoint - The launch of the "funds custody" service by Shenzhen Beike Shendu aims to rebuild consumer trust in home decoration transactions through a three-party regulatory system involving customers, banks, and enterprises [1][5][15] Group 1: Funds Custody Mechanism - The funds custody service ensures that customer renovation payments are frozen in a personal bank account and only released in batches upon customer satisfaction at key project milestones [5][8] - The mechanism operates on the principle of "separation of interest and principal," ensuring that interest accrued during the freezing period belongs to the customer, thus safeguarding consumer rights [5][8] Group 2: Industry Challenges and Solutions - The traditional "pay first, then construct" model in the home decoration industry has led to risks such as fund misappropriation and quality issues, creating a "lose-lose" situation for consumers and enterprises [8][15] - The funds custody model enables a "pay after service" approach, marking a necessary shift from extensive expansion to quality competition in the industry [8][15] Group 3: Impact and Future Developments - The funds custody model has already been implemented in 15 cities, with over 15,000 households and more than 2 billion yuan in funds secured [11][15] - The company plans to enhance its service system and integrate the custody model with digital construction management to ensure transparency and traceability of funds [11][15] - The initiative signifies a transition in the home decoration industry from verbal commitments to institutional guarantees, potentially transforming the industry’s credit ecosystem [15][16]