下一步，太仓法院将持续加强与金融监管机构的密切协作，持续完善金融纠纷多元化解机制，共同推动 调解中心从"解纷平台"向"治理枢纽"升级，为"金枫和信.融e娄城"品牌注入新动能，着力将其打造为服 务地方发展、深化多方协同、树立行业标杆、强化风险预防的智慧载体，为太仓金融生态健康稳定与经 济社会高质量发展贡献更坚实的法治力量。 龚红星指出，"金枫和信.融e娄城"项目通过机制共建、效能提升、治理深化、协作畅通，初步构建了专 业高效、多元共治的金融纠纷化解体系。下一步，一要持续巩固平台功能，进一步发挥调解中心在优化 营商环境、稳定金融生态中的基础性作用；二要深化协同治理机制，推动中心成为信息互通、政策协 同、行动一致的实体化枢纽；三要着力打造行业标杆，提升流程、人员与服务的专业化、规范化水平； 四要强化风险预警能力，加强对纠纷数据的挖掘运用，推动源头治理，实现金融生态良性循环。 潘忠明表示，2025年以来，金融纠纷调解中心的实体化运行取得了阶段性成果，2026年金融监管部门将 继续加强与法院的联动，在信息共享、风险联防、消费者权益保护等方面深化合作，共同构建更稳固的 金融风险防控体系，助力营造健康有序的地方金融环境。 ...

为进一步延伸服务半径，稠州银行还创新推出"移动法庭"工作机制，将调解服务从固定网点延伸至企 业、社区、乡村等多元场景，开展现场调解、普法宣讲。这种"上门服务、就地解纷"的模式已在浙江省 内多个县域推广，累计服务客户超过200户，真正做到了"纠纷发生在哪里、调解服务就延伸到哪里"。 商报讯（记者 叶晓珺 通讯员 钟裕羚 屠小娟）近日，在《经济观察报》公布的2025年度领航企业评选结 果中，浙江稠州商业银行（以下简称"稠州银行"）凭借"金融纠纷多元化解"实践，获评"消费者权益保 护领航企业"。 作为浙江省内首批推广"共享法庭"的金融机构之一，稠州银行早在2019年便开始了在金融纠纷调解领域 的探索，在浙江衢州，该行率先与当地法院合作设立首个"金融调解工作室"，开创了"银法协同"解纷机 制雏形。2021年，在总结试点经验基础上，该模式升级为"共享法庭"并在全行系统内推广。 如今的"共享法庭"，已发展成为集线上调解、网上立案、在线诉讼、普法宣传、调解培训、法律咨询于 一体的全方位服务平台。 目前，稠州银行在浙江全省已建成系统化的"共享法庭"管理体系，累计调解纠纷269件，调解金额2.07 亿元。不仅实现了解纷流程的数 ...

中经记者 封莉 北京报道 当小微企业因经营成本上升、经营困难导致贷款逾期引发诉讼纠纷，法院怎么判？ 12月19日傍晚，国家金融监督管理总局和最高人民法院联合发布金融领域纠纷多元化解典型案例。《中 国经营报》记者注意到，在金融纠纷化解过程中，建立了"法院+行业"多元解纷机制，积极贯彻国家关 于金融领域相关政策要求，落实小微企业纾困政策，平衡小微企业经营持续性与债权人利益，通过协商 制定切实可行的还款方案，实现结果共赢。 其中，一起小微企业贷款逾期纠纷调解案值得关注，这起案例中，"法院+行业"多元解纷机制助力了小 微企业纾困新生。 案情回溯，一家小微企业与某银行签订了两份《流动资金借款合同》，贷款本金合计600万元，期限为 12个月。 此后，受原材料上涨、应收账款回款延迟等因素影响，小微企业陷入经营困难，未能按期偿还贷款本 息。合同签订两年后，逾期本息累计达283万余元。 金融纠纷调解组织接受委托后，迅速与各方展开深入沟通。小微企业有强烈还款意愿，提出分11期还款 计划，"当前困境属于暂时性经营波动，近年营收稳定，后续可通过应收账款回款偿还债务。"该公司不 无担忧地表示，强制清算将导致破产。 某银行则对债权风险表 ...

此外，涉外货运保险纠纷调解案中，国内某贸易公司委托某海运集装箱运输有限公司向国外某港口运输 一批大蒜，并通过某国际货运代理公司在某财险公司投保了"海洋运输冷藏货物一切险"，被保险人为国 外某收货公司。货物抵达目的港后因损坏被某收货公司拒收。某贸易公司以已获得保单被保险人权益转 让书为由，向某财险公司申请理赔。某财险公司以某贸易公司非保单被保险人、货物损坏原因不明、损 失范围不确定等理由拒绝赔付。双方协商未果，某贸易公司向当地海事法院提起诉讼，主张某财险公司 按保险合同约定赔偿货物损失。依托最高人民法院与国家金融监督管理总局建立的"总对总"在线诉调对 接机制，经双方当事人同意，法院立案后采用"点对点"的形式委托当地金融纠纷调解组织先行调解。 行业调解以"专业+高效"为核心，精准厘清索赔主体资格、科学锁定损失范围，避免了冗长的涉外诉讼 程序，为"一带一路"贸易往来提供可复制的纠纷化解方案。本案提醒保险公司应加强涉外保险业务专业 能力建设，积累涉外保险纠纷处理经验，必要时充分借助行业调解的专业性优势，发挥行业合力作用， 积极配合法院做好源头治理工作。本案充分彰显了行业调解在化解跨境金融纠纷中的专业价值，对完善 涉外 ...

12月19日，国家金融监督管理总局、最高人民法院联合发布6个金融领域纠纷多元化解典型案例，相关 案例反映出金融监管总局依托与最高法建立的"总对总"在线诉调对接机制，持续做好金融领域纠纷多元 化解工作，切实维护金融消费者合法权益。 本次金融领域纠纷多元化解案例包括小微企业贷款逾期纠纷调解案、不法贷款中介"低息"骗贷致贷款逾 期纠纷调解案等。从相关案情以及调节过程看，"法院+行业"多元解纷合力作用更加突显。 当前，金融纠纷类型多样、法律关系复杂。各级人民法院会同金融管理部门，指导行业调解组织积极落 实金融法律法规及相关政策要求，在金融纠纷化解过程中，建立"法院+行业"多元解纷机制，既充分发 挥司法保障作用，又突显行业整合资源的关键枢纽作用，形成纠纷化解合力，释放出"1+1>2"双重优势 解纷效能。 在相关典型案例中，两部门注重小微企业经营持续性与债权人利益的平衡，通过协商制定切实可行的还 款方案，实现了结果共赢。落实金融服务农业发展相关政策，有效分散农业风险，切实减轻农户因灾损 失，体现政策性农业保险的社会保障属性。 典型案例还显示出两部门"以调促治"，促推金融纠纷源头治理水平持续提升。两部门坚持"抓前端、治 未 ...

Core Viewpoint - The establishment of the "Xing Financial" mediation office aims to enhance the resolution of financial disputes through a diversified approach, integrating negotiation and mediation to improve the credit environment in Xinghua City [1][2]. Group 1: Financial Dispute Mediation - The "Xing Financial" mediation office was established in May 2024 at Xinghua Rural Commercial Bank, focusing on mediating financial loan contract disputes and credit card disputes [1]. - The mediation office seeks to combine multi-faceted governance of financial cases with the cultivation of a negotiation culture, promoting efficient resolution of conflicts at the front end [1]. Group 2: Collaborative Efforts and Recommendations - Various local departments, including the court, disciplinary inspection commission, and public security bureau, provided practical suggestions for advancing diversified financial dispute resolution during the collaborative meeting [1]. - Liu Lingjie emphasized the importance of transforming financial conflicts from pre-litigation mediation to negotiated resolution, highlighting the need for collaboration among departments and the promotion of financial knowledge [2]. Group 3: Systematic Approach to Financial Dispute Resolution - Li Bin noted that resolving financial disputes requires systematic efforts and effective collaboration among all local departments, advocating for deeper research into mediation practices and the establishment of robust mechanisms [2]. - The focus should be on identifying the root causes of financial disputes and implementing targeted strategies to prevent and resolve risks from the source [2].

Core Insights - The financial court in Yangzhou's Hanjiang District has seen a high volume of financial litigation cases since last year, with a diverse range of case types, primarily focusing on financial loans and credit card disputes [1][3] - The court has established a specialized team for financial cases, achieving a high case resolution rate and significantly reducing the average case processing time to 34 days [3][4] Group 1: Case Statistics - From January 2024 to August 2025, the court resolved 2,268 financial loan disputes through judgments, accounting for 81.49% of cases, while 513 cases were resolved through mediation, making up 18.43% [3] - The court successfully mediated 523 cases in 2024 and 435 cases from January to August 2025, indicating a significant year-on-year increase in pre-litigation mediation success [3] Group 2: Mediation and Resolution Strategies - The court has implemented a "green channel" for financial cases to expedite the processes of filing, mediation, and adjudication, enhancing the efficiency of dispute resolution [3][4] - The court emphasizes the importance of understanding the operational challenges faced by small and micro enterprises, facilitating flexible repayment agreements to support their survival and development [3][5] Group 3: Risk Management and Consumer Protection - Financial institutions are urged to strengthen internal supervision and risk management, including thorough pre-loan investigations and differentiated collection policies for overdue clients [4] - Consumers and investors are encouraged to adopt a cautious investment approach, ensuring proper contract review and personal information protection during financial transactions [4]

Group 1: Private Economy in Fujian - The private economy is a distinctive feature of Fujian, contributing nearly 70% of the province's GDP, 70.6% of tax revenue, over 70% of technological innovation results, over 80% of urban employment, and 94% of the number of enterprises by the end of 2024 [1] - The "Promotion Law of Private Economy" will take effect on May 20, 2025, marking a significant step in supporting the development of the private sector [1] Group 2: Intellectual Property Protection - Protecting intellectual property is essential for fostering innovation and new productive forces, as infringement can hinder corporate innovation [2] - A specific case involved a software company that faced a significant decline in business due to a competitor's software that closely resembled its own, leading to legal action [2][3] Group 3: Judicial Support for Innovation - Fujian courts are actively enhancing judicial protection for intellectual property, which is crucial for high-quality development, as demonstrated by various cases and initiatives [4] - In 2024, Fujian courts received 25,299 new intellectual property cases and concluded 25,512 cases, reflecting a year-on-year increase of 9.71% and 16.20%, respectively [5] Group 4: Financial Dispute Resolution - The establishment of the Fuzhou Digital Financial Enforcement Center has facilitated the resolution of financial disputes, significantly reducing potential debt escalation [6] - Since its inception, the center has handled 46,000 cases, successfully mediating disputes amounting to approximately 242 million yuan, with an average processing time of 36.55 days [7] Group 5: Collaborative Dispute Resolution - The collaborative dispute resolution model extends beyond financial issues, with centers established in various sectors, such as construction, to address civil disputes effectively [8] - The Fuzhou court has initiated a mediation alliance involving local business associations, achieving a mediation success rate of over 60% [11] Group 6: International Engagement and Legal Framework - Fujian courts are promoting high-level openness and international cooperation, including the establishment of international commercial courts and maritime courts [13] - The Supreme People's Court has issued guidelines to enhance judicial support for the private economy, focusing on regulating monopolistic practices and protecting the rights of private enterprises [13]

Group 1 - The core viewpoint of the article is the collaboration agreement among Heilongjiang Provincial High People's Court, Heilongjiang Provincial Local Financial Supervision Administration, and the People's Bank of China Heilongjiang Branch to resolve financial disputes effectively and support high-quality financial development [1][2] - The agreement includes 13 measures aimed at coordinating financial innovation and risk prevention, as well as aligning judicial and regulatory policies to enhance financial security [1] - The three parties will strengthen regular information exchange and jointly study the situation of financial disputes and trial trends in the region [1] Group 2 - The agreement emphasizes the importance of preventing financial disputes at the source and encourages financial institutions to prioritize non-litigation methods for dispute resolution [1] - It also outlines procedures for cases that meet the conditions for litigation but have not yet been formally filed, enhancing the connection between mediation and litigation [1] - The courts will issue judicial recommendations to financial institutions when they identify ambiguous legal relationships or potential risks in financial contracts, promoting clearer contract terms [2]

Group 1 - Guangzhou courts are enhancing financial dispute resolution mechanisms by collaborating with regulatory bodies, financial institutions, and mediation organizations to promote high-quality financial development [1][3] - In 2023, Guangzhou courts successfully resolved 82,000 financial disputes, saving litigation costs of 110 million yuan for 246,000 parties involved, including financial institutions [1][2] - The introduction of technology, such as the "Tianrong" integrated platform, has improved the efficiency of resolving small financial disputes through online coordination among financial institutions, mediation organizations, and courts [2] Group 2 - The execution of financial institution-related cases reached 10.058 billion yuan in 2023, demonstrating the effectiveness of the enhanced execution linkage mechanism [2] - The 2024 settlement rate for securities false statement liability disputes reached 72.18%, highlighting the success of the multi-faceted dispute resolution mechanisms established [3] - Regulatory bodies and financial institutions are encouraged to strengthen collaboration and information sharing to improve the financial dispute resolution framework and support high-quality financial development [3]