一列披挂着"存款保险专列"醒目标语的智能轨道快运列车（智轨），近日在湖南省株洲市正式发 车。这并非一趟普通的城市交通工具，而是由中国人民银行株洲市分行主办、长沙银行株洲分行承办 的"存款保险主题宣传智轨专列"。这标志着株洲市在创新金融知识普及方式、提升公众金融素养方面迈 出了突破性一步，写下《存款保险条例》实施十周年极具地方特色的实践答卷。 智慧交通承载金融安全 这列穿行于株洲街巷的智轨专列，不仅搭载着广大人民群众，更承载着国家守护金融安全、保障人 民财富的庄严承诺。它以创新的姿态和贴近民生的方式，生动诠释了存款保险制度十年如一日为百 姓"钱袋子"带来的守护，成为株洲这座"动力之都"里一道亮丽的金融安全风景线。 图为银行工作人员正在向乘客宣传存款保险知识。 在发车仪式现场，中国人民银行株洲市分行党委书记、行长王一凡宣布专列正式启动。他表示，选 择株洲市具有自主知识产权的智轨系统作为存款保险宣教载体，是践行"金融为民"理念、推动存款保险 知识"飞入寻常百姓家"的创新尝试。"智轨是株洲智慧城市的名片，将存款保险这一守护金融安全的'金 盾'与其结合，旨在利用其高曝光度、广覆盖面和亲民属性，打造一个流动的、沉浸式的存 ...

Core Viewpoint - Xiamen International Bank actively promotes financial knowledge and consumer rights protection, aligning with national policies and initiatives to enhance public financial literacy and safeguard citizens' financial interests [1][18]. Group 1: Financial Education Initiatives - The bank has implemented various activities such as "2025 Banking Industry Financial Knowledge Popularization Campaign" and "Illegal Financial Activity Prevention Month" to create a robust financial safety net for the public [1]. - At the "Protecting the Wallet, Ensuring a Happy Home" event, staff utilized an interactive approach to educate the public on risk identification, attracting significant community participation [2]. - In Nanping, the bank distributed promotional materials and conducted case analyses to raise awareness about illegal fundraising and enhance consumer financial literacy [4]. Group 2: Community Engagement and Outreach - The Zhuhai branch collaborated with multiple financial institutions to establish a "Financial Safety Promotion Matrix," focusing on illegal fundraising, telecom fraud, and financial traps through interactive sessions [6]. - A unique "Financial Protection Walk" event in Longyan combined health activities with financial education, effectively raising awareness about the dangers of illegal fundraising [8]. - The bank's community outreach included setting up a "Financial Consumer Protection Station" in Hezu Community, where staff engaged residents through fun activities and educational materials to promote financial knowledge [9]. Group 3: Ongoing Commitment to Financial Literacy - Xiamen International Bank plans to maintain its responsibility for financial education, aiming to institutionalize the promotion of financial knowledge and prevention of illegal financial activities [18]. - The bank intends to utilize diverse channels and rich educational formats to enhance public financial literacy, ensuring that financial knowledge reaches every household [18].

Core Viewpoint - Recent changes in bank deposit policies have sparked widespread anxiety among depositors, particularly the elderly, highlighting the potential social impact of these financial shifts [1] Group 1: Changes in Deposit Policies - The average interest rate for one-year fixed deposits at the five major state-owned banks has decreased from 1.65% at the beginning of 2025 to 1.55%, resulting in tangible losses for large deposit holders [3] - Some joint-stock banks have begun charging management fees for small accounts with balances below 1,000 yuan, which has caused dissatisfaction among customers [3] - The introduction of "smart deposit" products, which offer higher interest rates but come with significant risks due to their structure, has led to a lack of understanding among over 65% of depositors regarding the associated risks [4] Group 2: Digital Currency Developments - As of June 2025, 28 provinces and cities in China have launched digital yuan pilot programs, with transaction volumes exceeding 2 trillion yuan, indicating a growing acceptance of digital currency [5] - Some banks are offering digital yuan-specific deposit products with slightly higher interest rates, although older generations may struggle to adapt to this new financial technology [5] Group 3: Strategies for Depositors - Diversifying deposit strategies by spreading funds across different banks and products can help balance risk and return [6] - It is advisable for depositors to carefully read product descriptions before purchasing structured deposits to fully understand the risks involved [7] - A gradual approach to using digital yuan, starting with small amounts, can help users become familiar with its operations and security [7]

Group 1 - The core idea of the article is the innovative approach taken by Industrial Bank Jinan Branch to promote financial literacy among the elderly during the "Financial Knowledge Journey" campaign, combining entertainment with education [1][2] - The event featured interactive sessions such as "financial knowledge challenges" and "scenario interactions," engaging over 300 elderly participants and enhancing the effectiveness of financial education [1] - The activities included practical financial scenarios relevant to the elderly, such as dealing with phone scams and understanding investment products, which sparked lively discussions among participants [1] Group 2 - The event is a significant example of the bank's exploration of "scenario-based education," aiming to make financial knowledge accessible and relatable to the elderly [2] - The bank plans to continue integrating online and offline methods, along with collaboration with government and media, to further promote financial literacy and contribute to a harmonious financial ecosystem [2]

Core Viewpoint - The article emphasizes the responsibility of financial institutions to protect consumer rights and promote a harmonious financial environment through various educational initiatives [1] Group 1: Consumer Education Initiatives - Agricultural Bank of China’s Jinan Lixia Yulan Square branch actively participates in the "Financial Knowledge into Thousands of Homes" campaign by conducting diverse promotional activities [1] - The branch utilizes its physical location and digital platforms to disseminate information on consumer rights, personal information protection, and investment knowledge [1] - Staff members provide one-on-one promotional services to customers, enhancing their understanding of financial laws and practices [1] Group 2: Impact on Consumer Confidence - The effective implementation of these promotional activities has significantly boosted consumer confidence [1] - The branch plans to continue its efforts in educating customers about preventing telecom and online fraud, as well as promoting rational investment practices [1] - The goal is to create a healthy financial consumption environment and to institutionalize financial knowledge education to protect customer rights and improve public satisfaction [1]

为了提升社区居民的金融素养，特别是增强对假币的识别和防范能力，民生银行济宁兖州支行组织了一 场别开生面的反假货币金融知识宣传活动。此次活动覆盖了兖州区奎星苑社区居民，旨在通过普及反假 货币知识，帮助居民们更好地保护自己的财产安全。 活动当天，民生银行济宁兖州支行的宣传人员们携带宣传资料，走进了奎星苑社区的各个角落。通过设 置宣传展板、发放宣传手册、现场讲解等多种形式，向居民们详细介绍了假币的危害、识别方法以及遇 到假币时的应对措施。该支行工作人员耐心细致地为居民们讲解，帮助他们掌握识别真假货币的技巧， 如观察水印、安全线、光变油墨等防伪特征。为了增强活动的互动性和趣味性，该支行还特别设置了真 假币辨别小游戏。居民们积极参与，通过亲身体验，更加直观地了解了假币的特征和识别方法。同时， 针对居民们提出的疑问和困惑，银行工作人员也一一进行了耐心解答。 此外，民生银行济宁兖州支行还借此机会向居民们普及了金融消费者权益保护的相关知识。他们详细介 绍了消费者在遇到金融纠纷时的维权途径，以及如何防范金融诈骗等实用技巧。该支行工作人员鼓励居 民们要提高警惕，增强自我保护意识，避免陷入金融陷阱。活动现场氛围热烈，居民们纷纷表示 ...

Core Insights - The rapid development of the economy in China has led to an increase in financial products and services, but many merchants and consumers lack financial knowledge, making them vulnerable to financial fraud and illegal fundraising [1] - Minsheng Bank's Jinan Tianqiao Branch has initiated a financial knowledge promotion campaign targeting small and micro businesses in commercial circles, focusing on financing, settlement, and risk management [1] Group 1 - The campaign includes on-site explanations of small business loan policies, digital payment tools, and account security management [1] - Real case analyses of common financial fraud methods, such as fake bank messages and fraudulent loan apps, are provided to help merchants stay vigilant [1] - Promotional materials, warning education videos, and hands-on guidance on using mobile banking security features are distributed, especially targeting middle-aged and elderly merchants [1] Group 2 - An engaging quiz segment is included in the event, allowing participants to win small gifts by answering questions related to anti-fraud techniques, investment knowledge, and payment security [1] - The atmosphere at the event is lively, with many merchants and consumers actively participating [1] - Feedback is collected during the event to optimize future promotional activities and content delivery [1] Group 3 - Financial knowledge promotion is recognized as a long-term effort to enhance the public's risk prevention capabilities while enjoying convenient financial services [2] - Minsheng Bank's Jinan Tianqiao Branch plans to continue innovating promotional methods to extend financial knowledge into communities, schools, and enterprises [2] - The goal is to contribute to the establishment of a harmonious financial environment [2]

转自：新华财经 近日，为积极响应国家金融知识普及号召，提升公众金融素养和反诈意识，中信银行遵义新蒲支行携手 遵义新蒲某中医院，联合当地警察同志，在中医院成功举办了一场别开生面的全民反诈宣传和投资理财 分享活动。此次活动约100余名职工参与，以真实案例警示为切入点，结合专业金融知识讲解与互动竞 答，为医院职工送上一场"干货满满"的反诈教育课。 真实案例敲警钟，反诈意识先扎根 活动伊始，新蒲某中医院院长结合身边发生的真实诈骗案例，深刻剖析了当前诈骗手段的隐蔽性与危害 性，强调全体职工需时刻保持警惕，筑牢思想防线。警方代表则进一步补充了常见诈骗类型的识别技巧 与应对措施，通过以案释法的方式，增强了职工的反诈实战能力。 中信银行专业解读，揭开金融产品"真面目" 新蒲支行聚焦"了解正规金融产品识别诈骗"展开专题讲解，从产品本质、风险特征、合规渠道三个维 度，系统解读存款、基金及理财等系列产品，为职工厘清"正规军"与"诈骗套路"的边界。针对职工最关 心的"安全与收益"问题，支行副行长先以存款产品为例，详解活期存款、定期存款的区别："存款受 《存款保险条例》保障，50万元以内本金100%安全，这是正规存款与'高息揽储'诈骗 ...

Core Viewpoint - The article highlights the innovative financial education initiatives by Huaxia Bank's branch offices in rural areas, focusing on enhancing financial literacy and fraud prevention among villagers through localized and engaging methods [1][3][11]. Group 1: Financial Education Initiatives - Huaxia Bank's Wuhan branch introduced a "dialect classroom + situational rehearsal" model to educate villagers about financial knowledge and fraud prevention, addressing the high incidence of telecom fraud in rural areas [1][3]. - The education approach includes using local dialects to simplify complex financial terms and creating relatable scenarios to help villagers understand fraud tactics [3][5]. - Interactive activities such as a "financial knowledge big wheel" and movie screenings on fraud prevention have been implemented to engage villagers and enhance learning [3][6]. Group 2: Impact on Villagers - The financial education efforts have significantly improved villagers' financial knowledge and fraud awareness, leading to the recovery of 80,000 yuan in fraud losses in 2025 and the designation of Guluochong Village as a "fraud prevention demonstration village" [3][10]. - In the Liangshan Yi Autonomous Prefecture, over 1,000 young people have been reached through financial education activities, helping them establish correct financial concepts [5][11]. - The initiatives have resulted in a doubling of financial service utilization, with the number of villagers using mobile banking increasing from 10 to 210 [10]. Group 3: Community Engagement - Huaxia Bank's Chengdu branch has established "financial knowledge service points" and conducted over 30 educational sessions, covering more than 2,000 villagers and preventing 12 illegal fundraising cases with potential losses exceeding 1.5 million yuan [5][6]. - The Kunming branch has created a "sunshine living room" for villagers to learn about financial policies and fraud prevention, conducting 15 warning sessions that reached over 500 people [6][8]. - The initiatives have fostered a community-driven approach to financial education, with villagers actively participating in discussions and learning sessions [9][11].

Group 1 - The core event was a unique performance titled "Zhuo Xin Growth Season - July Adventure Circus Event" organized by SPDB Jinan Branch, showcasing a blend of traditional art and financial services [1][2] - Over 260 clients attended the event, which featured high-difficulty performances by the Shandong Acrobatic Troupe, including contortionists, plate spinners, and aerial acts, highlighting the charm of acrobatic art and the vitality of traditional culture [1][2] - The event also included financial literacy promotion, where bank staff distributed brochures and provided one-on-one explanations on topics such as preventing telecom fraud and protecting personal information, enhancing clients' financial security awareness [1] Group 2 - This event is part of a series of celebrations by SPDB Jinan Branch, aiming to provide clients with a close-up experience of traditional acrobatic art while integrating financial knowledge dissemination [2] - The bank plans to continue its customer-centric approach by launching more innovative and content-rich activities to enhance service quality and client experience in the future [2]