其中，"个人存取现金超5万元需登记资金来源"的规定取消，与此前的征求意见稿保持了一致。根据新 规，取款时，银行不再"一刀切"地询问所有人，而是根据风险状况来决定是否要"多问几句"，出现较高 洗钱风险时，银行"强化调查"了解资金来源和用途;对于低风险情形，则采取简化措施。 11月28日，中国人民银行官网发布《金融机构客户尽职调查和客户身份资料及交易记录保存管理办法》 （下称《管理办法》），强调金融机构基于风险开展客户尽职调查，把握好洗钱风险防控和优化金融服 务的平衡。 0:00 ...

为积极响应国家关于金融支持提振和扩大消费的政策号召，切实提升个人金融服务便利性和可得性，中 国工商银行内蒙古分行（以下简称"工行内蒙古分行"）持续深化个人贷款业务在基层网点的服务能力。 通过渠道体系优化、科技赋能应用和基层能力建设三大举措，该行着力构建"贴近市场、高效便捷、安 全可靠"的个贷服务新生态，让更便捷的信贷服务更广泛地惠及全区居民。 为让客户享受更便捷、高效的贷款服务，工行内蒙古分行大力推广移动PAD、掌上个贷等智能工具。客 户可通过扫描"码上赢"、关注"中国工商银行客户服务"微信公众号或使用"工行服务"微信小程序等便捷 入口，轻松完成贷款申请提交，显著压缩业务办理时间。同时，该行通过动态监测关键效能指标，持续 优化资源配置和流程效率，成效显著。 强化队伍能力，服务群众更贴心 转自：新华财经 织密服务网络，信贷服务更便利 工行内蒙古分行构建"个贷营销中心-服务区-推荐网点"三级服务架构，形成"中心辐射、中端支撑、网点 覆盖"的服务网络。依托丰富的"住房+非住房"综合信贷产品体系，该行持续优化产品组合，精准对接消 费场景，有效延伸了服务触角，让居民办理个人贷款业务更加省心、省力。 科技赋能提速，客户体 ...

本报讯 （记者冯雨瑶）11月12日，记者从重庆市委金融办优化营商环境获取金融服务工作专班获悉，重庆市南川区以"加 减乘除"组合拳为抓手，持续优化金融营商环境。截至2025年9月末，全区银行机构贷款余额达669.02亿元，同比增长10.05%； 中小微企业贷款余额453.8亿元，同比增长15.8%。 精做"加法" 加大银企对接走访力度 针对小微企业抗风险能力弱、基层银行"惜贷""惧贷"等堵点，南川区建立授信台账，对未获批企业"一事一议"专题协调， 累计组织召开16次融资对接会，解决抵押不足等问题90余个。同时，指导银行机构做实尽职免责制度，合理确定普惠信贷不良 容忍度，激发银行机构"敢贷、愿贷、能贷、会贷"活力。"我们是一家小型水力发电企业，除水电站建筑外没有其他抵押物， 无法办理传统抵押贷款。"南川区尖石滩电站负责人表示。小微企业融资协调机制启动后，企业通过咨询和意向申报，工作专 班组织召开专题协调会，指导意向银行—邮储银行南川支行针对企业实际情况，创新电费收益权质押担保方式，免除企业融资 所需的资产抵押，迅速为企业发放170万元贷款，有效满足小型电站融资需求。 自2024年11月机制运行以来，南川区组建"千 ...

Core Viewpoint - Minsheng Bank has optimized its small and micro enterprise guarantee letter services to enhance customer experience and support the growth of small businesses in China [1][4]. Group 1: Service Efficiency - Minsheng Bank has implemented an all-online application process for guarantee letters, allowing small enterprises to apply without visiting a branch [2][4]. - The average processing time for guarantee letters has been reduced to within one working day, with urgent requests being completed in as little as half a day [5]. Group 2: Customer Support - Dedicated customer managers provide comprehensive support, including material preparation guidance and real-time answers to queries through a service group [4][5]. - The bank's proactive approach includes pre-auditing required documents to prevent delays in processing [2][4]. Group 3: Customer Experience - Customers have expressed satisfaction with the speed and efficiency of the service, highlighting the bank's understanding of industry needs and the clarity provided regarding contract details [3][5]. - The personalized service and quick turnaround have led to positive feedback from small business owners, reinforcing their trust in Minsheng Bank for future financial needs [5].

Core Insights - The Agricultural Development Bank of China Dongtai Branch has established a special service team to enhance financial services and optimize the business environment, providing on-site services for corporate account opening and video signing [1][2] - The initiative aims to address the difficulties faced by enterprises in completing banking procedures, particularly when business leaders are unable to visit the bank in person [1] Group 1 - The special service team visited enterprises to facilitate the account opening process, ensuring compliance and efficiency by guiding corporate representatives through identity verification and information confirmation [1] - The bank's staff provided professional advice on credit policies and fund settlement services tailored to the specific needs of the enterprises, enhancing their financial management [1] - The initiative has received positive feedback from business leaders, highlighting the time-saving and supportive nature of the bank's services [1] Group 2 - The Dongtai Branch has consistently focused on addressing the urgent needs of enterprises by optimizing business processes and extending service offerings, including "on-site signing," "extended service hours," and "green channels" [2] - Future plans include deepening departmental collaboration to improve service precision and effectiveness, thereby providing stronger financial support for agricultural enterprises and contributing to the high-quality development of local agriculture [2]

Core Viewpoint - The article highlights the effective service provided by a local bank in facilitating the exchange of damaged currency, showcasing the bank's commitment to customer service and financial inclusivity [1] Group 1: Customer Experience - A customer, Mr. Chen, successfully exchanged damaged RMB notes for a total of 4,820 yuan after receiving assistance from the bank staff [1] - The bank staff provided detailed explanations of the currency exchange rules and proper storage methods for RMB, which was well-received by the customer [1] Group 2: Bank's Initiatives - The bank has implemented measures to enhance the professionalism and convenience of the damaged currency exchange service, including regular staff training on exchange standards and identification techniques [1] - The bank has established dedicated windows for damaged currency exchange and prominently displayed exchange procedures at various locations [1] - The bank aims to continue optimizing basic financial services like damaged currency exchange to protect the financial rights of the public [1]

Core Insights - Agricultural Bank of China (ABC) demonstrates exceptional customer service by efficiently exchanging a large amount of coins for banknotes, highlighting its commitment to customer-centric banking [1] Service Efficiency - A customer, a local merchant, exchanged approximately 10 kilograms of coins, totaling 1,700 yuan, in under one hour due to the bank's quick response and dedicated staff [1] - The branch implemented a "green channel" to expedite the coin exchange process, showcasing its flexible operational mechanisms [1] Customer-Centric Approach - The incident reflects ABC's dedication to the principle of "customer first," emphasizing the importance of addressing unique customer needs [1] - The bank plans to continue optimizing its service processes to provide more compassionate and effective financial services, aiming to resolve common issues faced by the public [1]

Core Points - The article highlights the warm interaction between a nonagenarian war veteran and the staff at Agricultural Bank of China (ABC) during a pension withdrawal process, showcasing the bank's commitment to customer service [1][2] - ABC has implemented specific measures to cater to elderly clients, particularly war veterans, ensuring they receive priority service and assistance [2] Group 1 - The bank staff provided attentive service to the elderly veteran, assisting him with the necessary paperwork and ensuring a comfortable experience [1] - The veteran shared his wartime experiences, emphasizing the importance of peace and the value of the service he received from the bank [1] - The bank's initiatives include "priority processing, dedicated guidance, and home service" for elderly clients, addressing their unique needs [2] Group 2 - The veteran expressed gratitude for the bank's service, noting that the staff's attention to detail made him feel valued and cared for [2] - ABC aims to honor war veterans by continuously improving service quality and embodying the spirit of patriotism [2]

Core Viewpoint - The company is responding to the national regulatory authority's call to enhance financial services for foreign personnel in China by launching a bilingual guide to improve their financial service experience [1] Group 1: Initiative Details - The Shandong branch of Sunshine Life Insurance has designed a bilingual version of the "Guide for Foreign Business Personnel Working and Living in China" during the 2025 Financial Education Promotion Week [1] - The guide addresses practical needs of foreign individuals, covering six high-frequency topics: social insurance, residence permits, visa extensions, bank account openings, commercial insurance arrangements, and foreign exchange [1] - The content is presented in clear steps with bilingual comparisons to effectively break down information barriers [1] Group 2: Distribution and Impact - The company has utilized multiple channels for widespread distribution, including offline branches, outdoor promotional activities, and online platforms [1] - This initiative reflects the company's commitment to financial services for the public and optimizing foreign-related services, contributing to a more friendly and convenient working and living environment in China [1]

Core Points - A mother visited the CCB Binhzhou Xingfu branch with heavy bags of coins for exchange into paper currency, receiving prompt and warm assistance from the staff [1][2] - The bank staff demonstrated teamwork and efficiency by quickly organizing a flexible service window to handle the coin exchange without disrupting regular operations [1] - The mother expressed gratitude for the bank's attentive service, highlighting the importance of customer care in banking [2] Group 1 - The bank staff immediately engaged with the customer upon noticing her need for assistance with coin exchange [1] - A flexible service approach was implemented, allowing another staff member to assist with the coin counting and exchange process [1] - The entire process took over half an hour, resulting in the successful exchange of over 2000 yuan in coins into neat bundles of paper currency [1] Group 2 - The mother was pleasantly surprised by the staff's willingness to help, countering her initial concerns about the inconvenience of bringing in so many coins [2] - The bank emphasizes the importance of warm and considerate service to enhance customer relationships [2] - Future plans include further optimizing service processes to improve customer experience and satisfaction [2]