下一步，广发银行天津分行将以活动为契机，强化合规经营与消费者金融教育，把"安心消费"理念融入 信用卡服务全流程，展现广发银行主动践行金融社会责任的良好形象，进一步拉近与金融消费者的距 离，提升客户满意度与品牌认可度。 为深入贯彻落实金融消费者权益保护相关要求，持续优化金融消费环境，提升社会公众金融素养与风险 防范能力，广发银行天津分行组织开展以"优化金融消费环境，守护安全消费权益"为主题的金融教育活 动。 活动期间，宣讲团人员走进企业、商圈等重点场景，对小微企业主以及新市民等重点人群进行热情而专 业的政策解读个人信息保护注意事项；普及电信网络诈骗、防范非法集资、消费者维权等金融知识，通 过面对面的互动咨询，重点解读热点金融问题与典型案例，有效提升群众对金融知识的专业认知能力和 维权意识。 ...

近年来，厦门农商银行坚持"以人民为中心"的发展理念，以建设"大消保"工作体系为目标，致力于服务社会发展与人民群众日益增长的美好生活需要，扎 实推进金融消保各项工作，推动金融高质量发展。 耐心消解误会 细心守护财安 从化解"存款失踪"的误会，到及时劝阻"保健品"骗局，厦门农商银行用耐心和细心，把金融消保的温暖送到了群众心坎上，也让吴奶奶和家属实实在在感 受到了"守护钱袋子"的安心与放心。 暖心笃行服务 筑牢消保根基 切实保护金融消费者合法权益，以共情共鸣传递金融服务温度，积极解决广大群众在金融消费过程中的"急难愁盼"问题，此类案例在厦门农商银行还有很 多很多。 今年，在强化消保工作履职、健全消保制度体系、完善消保工作机制的基础上，厦门农商银行深入开展内部消保培训工作，包括对分管行领导、部门负责 人及消保专员开展培训，营销经理专场培训、新员工消保培训等，持续增强全员的金融消保意识与工作能力。 为保障消费者受教育权，厦门农商银行还构建完善常态化教育宣传机制，积极开展"五进入"活动，通过实地走访、现场交流、专题知识讲座、线上发布图 文视频等形式，广泛宣传金融政策和知识。同时，根据监管部署，组织集中教育宣传，积极开展" ...

理念先行：让法治成为银行文化的底层基因 法治建设，理念先行。重视法治观念的培育，是商业银行落实加强金融法治建设要求的重要一步。 12月4日，我国迎来第十二个国家宪法日。 法治是中国式现代化的重要保障。对于金融业来说，法治建设同样是支持金融高质量发展的核心力 量。中央金融工作会议指出，要加强金融法治建设，及时推进金融重点领域和新兴领域立法，为金融业 发展保驾护航。《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》提出，完善中国特 色社会主义法治体系；金融法治建设是中国特色社会主义法治体系建设的重要组成部分。 近年来，在政策引导下，银行业金融机构将法治精神融入经营管理各环节，在有效防范风险、保障 业务创新、维护客户权益等方面不断强化法治建设，筑牢发展根基。 近年来，农业银行持续强化合规管理长效机制，深入推进法治农行建设，将领导干部学法用法纳入 考核，增强全员法治意识。 在青海，工商银行青海省分行成立省分行普法教育领导小组，统筹协调全行普法工作事宜。 "领导小组办公室设在法律职能部门，负责牵头组织普法工作。"据工商银行青海省分行有关负责人 介绍，该行积极构建"法律职能部门牵头、业务部门协同、分支机构落地" ...

全景网浙江投资者教育基地秉承"沟通创造价值"宗旨，以投资者关系互动为核心，聚焦金融信息资讯服 务，通过融媒体的方式，积极探索"互联网+投教"模式，以"线上+线下"相结合的方式，让投资者教育服 务触手可及。 投教小课堂 金融消费者享有在购买金融产品和接受金融服务过程中，人身及合法财产获得相关安全保障的权利。银 行保险机构应当严格区分公募和私募资产管理产品，严格审核投资者资质，不得组织、诱导多个消费者 采取归集资金的方式满足购买私募资产管理产品的条件。资产管理产品管理人应当强化受托管理责任， 诚信、谨慎履行管理义务等。 ...

Core Perspective - The establishment of the "Happiness Station" by CITIC Bank's Shenzhen branch aims to enhance financial services for the community, particularly focusing on consumer rights protection and social responsibility [1][5]. Group 1: Services for the Elderly - The "Happiness Station" targets the financial service needs of the elderly, emphasizing "suitable, protective, and warm" services, supported by a comprehensive service mechanism [2]. - Facilities include convenient service cabinets, wheelchairs, and specially designed waiting areas, along with smart counters that assist elderly customers with larger font displays and one-on-one guidance [2]. - Health monitoring equipment, such as blood pressure monitors, is available, creating a "finance + health" service matrix [2]. Group 2: Community Convenience Services - The station operates under the principle of addressing small and practical matters, leveraging CITIC Bank's basic financial services to create a comprehensive community service network [4]. - It provides standardized services for outdoor workers, including hot water, seating, emergency medical kits, reading corners, and basic financial services [4]. - A 24-hour self-service area is available for cash deposits, withdrawals, and account inquiries, catering to the financial needs of outdoor laborers during non-working hours [4]. Group 3: Financial Education and Consumer Protection - The "Happiness Station" serves as a dual platform for consumer rights protection and business outreach, integrating financial education resources and business advantages [5]. - Regular financial education activities and community outreach programs are conducted to enhance fraud awareness and protect financial assets [5]. - The station collaborates with educational institutions to promote financial knowledge among students and offers financial service packages for small business owners [5]. Group 4: Future Development and Community Impact - The operation of the "Happiness Station" reflects a commitment to political and people-oriented financial work, transforming banking advantages into effective community services [5]. - CITIC Bank plans to optimize service offerings based on community needs, positioning the station as a benchmark for community service, a safeguard for financial security, and a link for community co-construction [5].

Core Viewpoint - Hangzhou Bank's Shenzhen branch has developed a comprehensive financial education initiative aimed at enhancing public financial literacy and consumer rights protection through innovative and interactive methods [4][5][11]. Group 1: Financial Education Initiatives - The Shenzhen branch has transitioned from a one-way financial knowledge dissemination model to a two-way interactive approach, significantly improving public financial literacy and creating a model known as "Hangyin Experience" [5]. - The branch has established a "Financial Promotion Community" by collaborating with local government, police, and media to enhance financial knowledge dissemination through various community activities [6][7]. Group 2: Innovative Educational Methods - The branch has implemented immersive educational environments, such as transforming subway stations into financial safety classrooms, reaching over 310,000 commuters daily [6]. - Interactive and gamified experiences, like "knocking down financial traps" bowling and "anti-fraud knowledge challenges," have been introduced to engage citizens and enhance retention of financial knowledge [7]. Group 3: Targeted Educational Programs - Customized solutions are provided for different demographic groups, including elderly care programs and youth financial literacy initiatives, addressing specific needs and knowledge gaps [8]. - Services for expatriates include bilingual financial guides and convenient currency exchange options, showcasing the branch's commitment to inclusivity and international service standards [8]. Group 4: Comprehensive Communication Strategy - A dual-channel communication network has been established, integrating online and offline platforms to ensure widespread access to financial education [9][10]. - The branch has created engaging online content, such as short videos explaining consumer rights, and established physical touchpoints in communities to facilitate easy access to financial information [10]. Group 5: Future Outlook - The Shenzhen branch aims to continue enhancing its financial consumer rights protection efforts, focusing on innovative and community-oriented educational methods to foster a harmonious financial ecosystem [11].

当前，中国即将迈入"十五五"发展时期。近期党的二十届四中全会审议通过的《中共中央关于制定国民 经济和社会发展第十五个五年规划的建议》（以下简称《建议》）擘画了未来五年我国发展的宏伟蓝 图，是指导国民经济和社会发展的纲领性文件。在《"十五五"规划建议》中，"民生"一词被提及了15 次，包括加大保障和改善民生力度，扎实推进全体人民共同富裕。 作为与百姓"钱袋子"息息相关的金融机构，商业银行是百姓"稳稳幸福"的守护者，其服务水平更是发展 的核心竞争力之一。光大银行北京分行深入学习贯彻全会精神，认真落实《建议》要求，优化体制机 制，不断提升自身服务能力和水平，将"以客户为中心"的服务理念贯彻始终。 据悉，光大银行北京分行近年来持续推动金融服务与民生需求深度融合，在养老金融、金融消费者权益 保护、特殊场景服务等领域持续深耕，以专业、高效、温暖的金融服务，为保障和改善首都居民民生福 祉贡献"光大力量"。 【】让"银发族"老有所依 立足区域构建全维度养老金融服务生态 随着我国人口老龄化进程加快，养老需求日益旺盛，养老服务需求日益多元化、多样化、多层次，养老 产业已成为新时代经济社会发展的新蓝海。 据了解，光大银行北京分行依 ...

颁奖词 金融为民，消保先行。践行以人民为中心的发展思想，积极向金融消费者普及金融知识、倡导理性消费 观念，提升社会公众金融素养，助力推进行业诚信文化建设，营造和谐健康金融环境，彰显金融服务的 社会价值。 中国邮政储蓄银行股份有限公司深圳分行 杭州银行股份有限公司深圳分行 中国平安人寿保险股份有限公司深圳分公司 中国人寿保险股份有限公司深圳市分公司 平安理财有限责任公司 获奖理由 中国工商银行股份有限公司深圳市分行 工行深圳市分行践行"金融为民"理念，聚焦"一老一少一新"重点群体，构建"线上+线下"全域宣传网 络，触达2700余万人次。创新"消保+传统文化"模式，打造线上多元宣传矩阵，深化线下"五进入"服务 与场景化教育，提升消费者素养与防风险能力，彰显社会责任。 获奖机构 中国工商银行股份有限公司深圳市分行 中国建设银行股份有限公司深圳市分行 中国建设银行股份有限公司深圳市分行 建行深圳市分行将消费者权益保护作为新金融实践核心。制定2023—2025年专项工作规划，确立行业标 杆发展愿景，把消保理念贯穿业务全链条全流程。秉持金融为民、消保利民理念，以新思维新举措优化 服务体验，为金融强国建设和经济社会高质量发 ...

Core Insights - The article highlights that Xiaoyin Technology has been recognized as an "Outstanding Consumer Rights Protection Institution" at the 21st Century Financial Annual Conference, reflecting its commitment to consumer rights in the financial technology sector [1] - The company emphasizes the importance of consumer rights protection as a fundamental aspect of social responsibility and sustainable development in the financial industry [1] Group 1: Consumer Rights Protection - Xiaoyin Technology has established a comprehensive "Big Consumer Protection" system, integrating the concept of "finance for the people" into its operations to enhance the effectiveness of consumer protection efforts [1] - The award received by Xiaoyin Technology serves as a recognition of its consumer protection initiatives and sets a benchmark for the fintech industry [1] Group 2: Security and Risk Prevention - In response to the accelerated digitalization in finance, Xiaoyin Technology has integrated technological innovation into its consumer protection framework, utilizing AI to enhance its "Five-in-One" WinPROT system [2] - The company has developed a full-chain security protection system that includes fraud prevention, data security, customer service efficiency, technological empowerment, and user education [2] - The introduction of the virtual digital assistant Win-Daidai aims to improve service efficiency and user experience, embodying the integration of technology and human touch [2] Group 3: Education and Empowerment - Xiaoyin Technology is committed to long-term consumer protection development through user education, launching the "Trust as a Sail, Creating the Future" column to promote credit knowledge, reaching over one million users [3] - The company has combined public welfare practices with consumer rights protection, conducting educational activities that effectively raise awareness of financial safety and risks [3] - Xiaoyin Technology has partnered with Southwest Jiaotong University for three consecutive years to promote financial literacy in remote areas, demonstrating its commitment to social responsibility and community engagement [3]

Core Viewpoint - The rise of "no-password payment" systems has led to convenience but also significant issues with unauthorized charges, prompting the China Payment and Clearing Association to propose safety management measures for these services [3][4]. Group 1: Issues with No-Password Payments - Users have reported difficulties in canceling no-password payment authorizations, leading to unexpected charges [1][4]. - There is a growing concern over the transparency of authorization processes and the challenges users face when trying to opt-out of these services [4][5]. - Incidents of unauthorized transactions, such as a user being charged over 80,000 yuan in a single night, highlight the risks associated with no-password payments [10]. Group 2: Recommendations from the China Payment and Clearing Association - The association has outlined five key requirements for payment service providers, emphasizing the need for clear user consent and easy cancellation options [4][5]. - It calls for enhanced risk management practices for merchants and improved monitoring of transactions to prevent unauthorized charges [4][5]. - Special attention is given to protecting elderly users, ensuring they receive clear information and easy access to cancel no-password payment options [5]. Group 3: User Awareness and Security Measures - Users are advised to strengthen their account security through measures like two-factor authentication and regular password changes [6]. - There is a recommendation for users to be vigilant about potential marketing traps and to avoid saving payment information on public devices [7]. - Regular checks of no-password payment agreements and prompt action on any suspicious transactions are encouraged to enhance user security [8]. Group 4: Industry Response and Future Outlook - Analysts expect payment service providers to respond positively to the association's recommendations, leading to improvements in product design and customer service [8]. - The emphasis on user education and collaborative governance between platforms and consumers is seen as essential for balancing convenience and security in the payment landscape [11].