Group 1 - Jiangsu Rural Commercial Bank was established in April, marking a significant transformation from a member-based system to a shareholding system, enhancing its role as a leader in the rural financial services sector [1] - During the "14th Five-Year Plan" period, Jiangsu's rural commercial banks have focused on leveraging system collaboration and economies of scale, achieving the highest loan issuance in the province across various categories, including agricultural loans, small and micro enterprise loans, private enterprise loans, and manufacturing loans [1] - The banking sector in Jiangsu has seen a notable reduction in non-performing loan ratios, with significant achievements in rural credit cooperative reforms and the establishment of national financial infrastructure [2] Group 2 - The Jiangsu provincial government has emphasized financial innovation and resource optimization, leading to the establishment of the Provincial National Investment Group to enhance financial resource management and support the construction of a strong financial province [2] - Jiangsu has 173 legal financial institutions and over 1,500 local financial organizations, with 13 banks expected to be listed in the global top 1,000 by 2025, showcasing the overall strength of the financial sector [2] - The province has implemented 20 measures for "fiscal-financial collaboration," including interest subsidies and risk compensation, to deliver policy benefits directly to enterprises, with a recorded scale of 1,373 billion yuan in national financing guarantee fund filings, ranking first in the country [2] Group 3 - Jiangsu has established over 100 financial dispute mediation service points and has implemented a reward system for reporting illegal fundraising, maintaining a strict stance against illegal financial activities [3] - Efforts are being made to create a comprehensive protection network for financial consumers, ensuring a solid foundation to prevent systemic financial risks [3] Group 4 - The future of Jiangsu's financial industry is focused on a high-quality development path characterized by a robust financial system and abundant financial resources [4]

Core Viewpoint - The revised draft of the Banking Supervision Law aims to enhance regulatory frameworks and address existing gaps in supervision, focusing on comprehensive oversight of financial institutions and their stakeholders [1][2]. Group 1: Regulatory Enhancements - The revised draft expands the regulatory scope to include new types of financial institutions such as financial holding companies and consumer finance companies, aligning legal applicability with the current licensing system [2]. - It emphasizes the need for "penetrating supervision" by extending oversight to major shareholders and actual controllers of banking institutions, addressing risks stemming from improper shareholder interventions and related party transactions [2][3]. Group 2: Risk Management and Resolution - The draft establishes a framework for early corrective measures and risk resolution, allowing regulatory authorities to take proactive actions against financial institutions exhibiting risk indicators [4]. - It introduces specific measures for institutions violating prudent operational rules, including restrictions on business operations and requirements for capital replenishment from major shareholders [4][5]. Group 3: Consumer Protection and Penalties - The revised draft includes provisions to strengthen consumer rights protection within the banking sector, detailing the obligations of financial institutions towards consumers [5]. - It significantly increases penalties for violations, aligning with the new Administrative Penalty Law, and introduces a principle of confiscating illegal gains alongside fines [5].

中国人大网消息显示，12月27日起，银行业监督管理法修订草案（下称"修订草案"）向社会公开征求意 见，为期30日。在此之前，修订草案于12月22日提请十四届全国人大常委会第十九次会议首次审议。 作为一部专门的监管法，现行银行业监督管理法（下称"银监法"）自2004年2月起施行，2006年作出个 别修正。2022年11月，原银保监会积极推进银监法修改工作，就《中华人民共和国银行业监督管理法 （修订草案征求意见稿）》（下称"征求意见稿"）公开征求意见。原银保监会彼时在起草说明中指出， 银监法主要修改内容包含四个方面：完善制度建设，实现监管全覆盖；健全处置机制，提升风险识控前 瞻性；加大监管力度，提高违法成本；提升监管能力，落实法治政府建设要求。 经过三年多的进一步打磨，修订草案在穿透式股东监管、风险处置和市场退出机制等方面作出更为系统 的安排。 证券时报记者了解到，修订草案以强化机构监管、行为监管、功能监管、穿透式监管、持续监管为主 线，以消除监管空白、弥补监管短板、明确监管授权为着力点，切实提高监管的前瞻性、精准性、有效 性和协同性，更好发挥法治固根本、稳预期、利长远的保障作用，切实提高金融治理体系和治理能力现 ...

中国人大网消息显示，12月27日起，银行业监督管理法修订草案（下称"修订草案"）向社会公开征求意 见，为期30日。在此之前，修订草案于12月22日提请十四届全国人大常委会第十九次会议首次审议。 作为一部专门的监管法，现行银行业监督管理法（下称"银监法"）自2004年2月起施行，2006年作出个别修 正。2022年11月，原银保监会积极推进银监法修改工作，就《中华人民共和国银行业监督管理法（修订草案征 求意见稿）》（下称"征求意见稿"）公开征求意见。原银保监会彼时在起草说明中指出，银监法主要修改内容 包含四个方面：完善制度建设，实现监管全覆盖；健全处置机制，提升风险识控前瞻性；加大监管力度，提高 违法成本；提升监管能力，落实法治政府建设要求。 经过三年多的进一步打磨，修订草案在穿透式股东监管、风险处置和市场退出机制等方面作出更为系统的安 排。 证券时报记者了解到，修订草案以强化机构监管、行为监管、功能监管、穿透式监管、持续监管为主线，以消 除监管空白、弥补监管短板、明确监管授权为着力点，切实提高监管的前瞻性、精准性、有效性和协同性，更 好发挥法治固根本、稳预期、利长远的保障作用，切实提高金融治理体系和治理能力现 ...

中国人大网消息显示，12月27日起，银行业监督管理法修订草案（下称"修订草案"）向社会公开征求意见，为期30日。在此之前，修订草案于 12月22日提请十四届全国人大常委会第十九次会议首次审议。 作为一部专门的监管法，现行银行业监督管理法（下称"银监法"）自2004年2月起施行，2006年作出个别修正。2022年11月，原银保监会积极 推进银监法修改工作，就《中华人民共和国银行业监督管理法（修订草案征求意见稿）》（下称"征求意见稿"）公开征求意见。原银保监会彼时 在起草说明中指出，银监法主要修改内容包含四个方面：完善制度建设，实现监管全覆盖；健全处置机制，提升风险识控前瞻性；加大监管力 度，提高违法成本；提升监管能力，落实法治政府建设要求。 经过三年多的进一步打磨，修订草案在穿透式股东监管、风险处置和市场退出机制等方面作出更为系统的安排。 证券时报记者了解到，修订草案以强化机构监管、行为监管、功能监管、穿透式监管、持续监管为主线，以消除监管空白、弥补监管短板、明确 监管授权为着力点，切实提高监管的前瞻性、精准性、有效性和协同性，更好发挥法治固根本、稳预期、利长远的保障作用，切实提高金融治理 体系和治理能力现代化 ...

作为金融消费者，你是不是也曾遭遇过各种陷阱，却投诉无门？或者也曾持有优秀的理财、保险产品，却没有分享渠道？ 作为散户你是不是曾遭遇过上市公司的不公正待遇，想维权却孤立无援？或者，你手握行业第一线的真实投资/消费故事，渴望被听见、被关注？ 凤凰网响应国家防范化解金融风险，保护金融消费者合法权益，推动资本市场高质量发展的政策号召，搭建垂直于金融机构与资本市场的网友反馈平台 ——"凤凰服务台"，以期让留言网友的声音"被看见、被回应"！ 你可以在这里做什么？ ·合规发声，流程极简！ ·你的留言，被广泛看见！ 优质、真实、有价值的留言，将被凤凰网财经编辑团队精选，并连线进行核实沟通，以合规案例在凤凰网全平台披露，让你的合理诉求与真实观点获得广 泛关注。 ·你的权益，得媒体维护！ 若你提交的是维权类留言，且事件真实合法、具有典型社会价值，凤凰网将依法依规为你发声，通过媒体监督力量推动问题得到重视与合理解决，助力维 护你的合法权益。 为什么选择我们？ 无论是吐槽不良体验，还是点赞优秀服务，或是揭露行业问题，你只需填写机构名称、你的留言内容、昵称和电话（仅用于核实与联系），一键提交，即 可完成发声。 留言不再只是"说说而已" ...

作为金融消费者，你是不是也曾遭遇过各种陷阱，却投诉无门？或者也曾持有优秀的理财、保险产品，却没有分享渠道？ 作为散户你是不是曾遭遇过上市公司的不公正待遇，想维权却孤立无援？或者，你手握行业第一线的真实投资/消费故事，渴望被听见、被关注？ 凤凰网响应国家防范化解金融风险，保护金融消费者合法权益，推动资本市场高质量发展的政策号召，搭建垂直于金融机构与资本市场的网友反馈平台 ——"凤凰服务台"，以期让留言网友的声音"被看见、被回应"！ 你可以在这里做什么？ ·合规发声，流程极简！ 无论是吐槽不良体验，还是点赞优秀服务，或是揭露行业问题，你只需填写机构名称、你的留言内容、昵称和电话（仅用于核实与联系），一键提交，即可 完成发声。 ·你的留言，被广泛看见！ 为什么选择我们？ ·权威渠道加持，诉求直达核心 依托凤凰网的品牌影响力，与深耕财经领域的专业积淀，你的合理诉求不会石沉大海，"凤凰服务台"会成为你捍卫合法权益的坚实后盾。 ·价值深度转化，发声不止于"说" 留言不再只是"说说而已"，而是有机会变成案例在凤凰网全平台发布，更可能化作推动行业规范发展、守护千万人利益的重要力量。 ·操作低门槛，流程高效率 无需复杂流程，三 ...

金融消费者权益保护工作重在行动、贵在速度、要在质效。在实践中，中行江苏省分行聚力打好机制构 建和快速反应"组合拳"，全面提升金融消保工作"效率值"和"敏捷度"。 消费者权益保护工作涉及广、头绪多，为做到既高效统筹又精准发力，中行江苏省分行用心用情聆 听"客户之声"，以机制创新破题，提升工作质效。中行江苏省分行持续推进消费者权益保护工作联席会 议机制，构筑先横后直服务模式，从系统、流程、服务角度治理，推动自上而下不断优化完善。牢固树 立"大消保"理念，在提升全流程、全系统"统筹力"的基础上，实现同心答题、敏捷反应的良好生态。 聚焦近年来客户行为高度线上化的特点，中行江苏省分行因时、因势、因客而变，更加注重线上沟通和 快速响应。中行江苏省分行创新落地"消保快处专线"，构建"问题直达分行、诉求即时响应"的快速处置 通道，实现客户诉求从受理到解决的全流程提速，处理时效由原先的3个工作日缩短至1个小时，切实提 升处理效率和客户体验感。 金融消费者权益保护工作关乎金融业高质量、可持续发展，是践行金融工作政治性、人民性的直接体 现。在国家金融监督管理总局江苏监管局和总行指导下，中国银行江苏省分行(简称"中行江苏省分行") ...

Core Viewpoint - The Yunnan branch of the Bank of China is actively implementing financial education initiatives aimed at rural areas, focusing on consumer rights protection and enhancing financial literacy among rural residents [1][5]. Group 1: Financial Education Initiatives - The Yunnan branch has launched the "Financial Knowledge into Villages" campaign to promote financial education and consumer rights protection in rural areas [1][5]. - Various branches have set up mobile promotion stations and utilized local dialects to explain practical financial knowledge, including fraud prevention and agricultural credit [1][2]. - The campaign aims to address the urgent financial needs of villagers and effectively bridge the gap in financial knowledge dissemination [1][2]. Group 2: Targeted Outreach and Engagement - The campaign extends beyond traditional villages to include markets and enterprises, targeting specific groups such as middle-aged vendors and employees to raise awareness about financial risks [2]. - Educational activities in schools focus on cultivating financial safety knowledge among youth, enhancing their understanding of financial risks from an early age [2]. Group 3: Innovative Communication Methods - The use of local minority languages in financial education has improved the accessibility and relatability of the information provided, fostering a deeper connection with the community [3]. - Real-life case studies of scams and frauds are employed to make abstract legal concepts more tangible and relatable, significantly enhancing the educational impact [3]. Group 4: Practical and Relevant Content - The content of the financial education activities is closely aligned with the actual needs of rural communities, promoting concepts like creditworthiness and the importance of maintaining good credit records [4]. - The campaign also addresses specific financial products and services relevant to rural residents, aiming to strengthen their ability to resist financial fraud and scams [4]. Group 5: Future Directions - The Yunnan branch plans to continue refining its financial consumer education efforts, aiming for a more systematic and effective approach to financial knowledge dissemination in rural areas [5][6].

金融，润泽千企万户；消保，守护万家灯火。江苏将金融消费者权益保护视为稳健经营的"压舱石"和服 务升级的"推进器"，聚焦"一老一少一新"等重点群体，以"网点+场景+线上"立体宣传为抓手，致力于推 动金融教育全域覆盖。 2025年以来，江苏银行（600919）业持续践行为民服务的初心使命，深入社区开展"百家社区金融守 护"专项行动，主动将防范非法集资、电信诈骗等风险提示送上门，筑牢社区金融安全"第一道防线"。 同步推动金融知识教育校园网格化建设，有效提升青少年财经素养与风险识别能力。针对老年群体，银 行业持续优化适老化服务体系，让"银发族"共享金融便利。同时，强化金融产品销售的适当性管理，从 源头保障消费者知情权与选择权，实现风险可控。 面对金融领域乱象，江苏银行业重拳出击，联合省公安厅开展金融"黑灰产"集群打击行动。聚焦不法贷 款中介、非法代理维权、信用卡诈骗等重点领域，通过信息共享、线索移交、联合办案等机制，实现了 刑事司法打击与行业自律监管的有效衔接与多元共治。江苏省银协持续创新纠纷化解机制，构建多层次 体系，通过设立专业平台、完善派驻调解、组建调解员队伍等举措，实现"小事不出机构、大事不出行 业、矛盾不上 ...