金融消费者的信息安全权是受法律保护的重要权益，个人信息泄露不仅可能造成财产损失，更可能影响 个人信誉与社会安全。近年来，随着公众对个人信息保护的重视度不断提升，平安人寿山东分公司始终 以客户为中心，积极履行金融机构的社会责任，通过案例警示与专业建议，助力消费者提升风险防范能 力，共建安全和谐的金融环境。 三、陌生拜访"三步核验" 遇到自称金融机构人员的上门服务时，请保持理性判断： 以案为鉴：警惕信息泄露背后的连锁风险 近期，刘女士的遭遇为我们敲响了警钟。其爱人王先生在办理保单地址变更业务后，未妥善处理含有家 庭住址、保单信息等内容的业务批单，导致不法分子通过捡拾的凭证获取个人信息。随后，犯罪分子冒 充保险公司工作人员上门"回访"，诱导刘女士退保并购买所谓"高收益理财产品"。最终，刘女士不仅因 退保失去原有保障，所购"理财产品"更涉嫌非法集资，造成财产与权益的双重损失。 平安人寿山东分公司：四重防护，助您守好"钱袋子" 为避免类似事件发生，我们特别整理以下实用建议，帮助您筑牢金融安全屏障： 一、个人信息"无痕化"处理 日常办理金融业务时，请务必妥善保管取款凭条、业务批单、快递单据等含个人信息的材料。丢弃前， 建 ...

二、定期核查账户状态 在数字化时代，个人信息与财产安全紧密关联。平安人寿山东分公司通过一起典型案例，呼吁广大市民 提高金融风险防范意识，共同构建安全屏障。 案例回溯：异常操作引发警觉 日前，平安人寿山东分公司柜员接到一通特殊来电。来电人自称是客户张某的配偶，要求加急办理保单 分红领取业务。但在核验身份时，对方虽能准确提供投保人身份证号、出生日期等隐私信息，却拒绝透 露自身身份，且对保单受益人等关键信息避而不谈。柜员立即启动风险核查机制，发现该笔分红申请的 转账账户已销户，而客户张某本人明确表示未授权办理此业务，并透露曾因经济纠纷将个人银行卡交予 他人，其间可能泄露了短信验证码等敏感信息。目前，客户已报警处理，公司亦拒绝异常转账请求。 四大警示要点 守住钱袋子 一、验证码如钥匙，切勿外借 短信验证码是账户安全的最后一道防线，切勿因"注册验证""帮忙操作"等理由透露给他人，即使对方声 称是亲友或合作方。 平安人寿山东分公司呼吁：金融安全需要机构与市民共同维护。请妥善保管身份证、保单、银行卡等重 要资料，遇可疑情况立即联系官方渠道核实。让我们携手，让不法分子无机可乘！ 建议每季度检查名下银行卡、保险账户状态，若发现 ...

Core Viewpoint - Sunshine Life Insurance integrates "love and responsibility" into its services, emphasizing warmth and proactive engagement with clients, especially during the annual "7.8 National Insurance Publicity Day" [1] Group 1: Service Excellence - Sunshine Life Insurance's staff provided exceptional service by personally assisting a client in obtaining necessary documents for a policy change, demonstrating commitment even in extreme heat [2] - The company emphasizes customer-centric service through thoughtful gestures, such as providing water and comfort items at service counters, enhancing the overall client experience [2] Group 2: Financial Safety Awareness - The company launched a financial safety awareness campaign in Yiwu International Trade City, educating clients on risk prevention, including anti-money laundering and fraud detection, using accessible language and materials [4][6] - Sunshine Life Insurance prepared bilingual promotional materials to effectively communicate with foreign clients, showcasing its dedication to cross-cultural service [4] Group 3: Community Engagement - Sunshine Life Insurance organized a peach-picking event to support local farmers, reinforcing its commitment to rural revitalization and community support [5] - The company conducted a "Peach Orchard Micro Classroom" to educate farmers on financial risk management, linking agricultural practices with financial literacy [7] Group 4: Elderly Care Initiatives - The company signed a partnership agreement to establish a "Sunshine Smart Elderly Care Service Station," aimed at addressing the needs of the elderly in rural areas through technology and community support [9][11] - This initiative seeks to provide convenient health management services to seniors, highlighting the company's focus on improving the quality of life for older adults [11] Group 5: Overall Impact - Sunshine Life Insurance's various initiatives reflect its commitment to embedding warmth and responsibility in every action, aiming to be a reliable partner in clients' lives [11]

Group 1 - The core viewpoint of the news is the importance of enhancing financial risk awareness and basic financial knowledge among private enterprises to ensure safe and stable operations [1][2] - The event titled "Financial Knowledge Lecture Hall for Private Entrepreneurs" was organized by Agricultural Bank of China Qufu Branch in collaboration with Qufu City Federation of Industry and Commerce, attracting over 50 participants from local private enterprises [1] - The lecture focused on three key financial knowledge areas: anti-fraud measures, understanding deposit insurance, and credit record management [1][2] Group 2 - The first key area discussed was anti-fraud measures, emphasizing the need for enterprises to protect their finances by understanding common fraud tactics and implementing strict verification processes for transactions [1] - The second area covered was the deposit insurance system, explaining the core content of the Deposit Insurance Regulations to enhance confidence in the banking system [2] - The third area focused on credit record management, highlighting the importance of timely repayments, cautious external guarantees, and regular credit report checks to build a solid credit foundation for future development [2] Group 3 - Agricultural Bank of China Qufu Branch plans to continue its collaboration with the Federation of Industry and Commerce, regularly conducting various educational activities to improve financial literacy and risk prevention capabilities among enterprises [2] - The initiative aims to contribute to optimizing the business environment and promoting high-quality development of the local private economy [2]

市井烟火里藏着百姓的辛勤与期待，每一笔交易中承载着商户的信任与希望。为切实守护好百姓的 "钱 袋子"，建行济南堤口路支行主动出击，深入附近商户开展 "守好百姓钱袋子" 主题宣传活动，将金融安 全知识送到商户身边。 活动期间，该行工作人员逐户走访堤口路商圈的各类商户，从沿街小店到大型商超，都留下了他们的身 影。工作人员与商户经营者、店员面对面交流，结合近期高发的金融诈骗案例，重点讲解了虚假订单诈 骗、收款二维码调包、冒充平台客服等针对商户的常见诈骗手段。通过生动形象的案例分析和通俗易懂 的语言讲解，让大家深刻认识到诈骗的危害性和隐蔽性。 "原来这些看似正常的交易请求背后，可能藏着这么大的风险！你们讲得太及时了！" 一位餐饮店主在 听完讲解后心有余悸地说道。交流过程中，工作人员还手把手指导商户设置账户变动提醒、检查收款二 维码安全性，并为商户提供免费的账户安全评估服务，帮助他们建立起防范金融风险的第一道屏障。 同时，工作人员向商户们介绍了建行丰富的金融产品和服务。从便捷的移动支付工具到个性化的资金管 理方案，从高效的贷款服务到全面的金融保障，每一项都旨在为商户的经营发展保驾护航，助力他们在 安全的金融环境中安心创 ...

Core Viewpoint - The People's Bank of China, along with the National Financial Regulatory Administration and the China Securities Regulatory Commission, has released a draft management method for customer due diligence and transaction record retention, reflecting a commitment to international anti-money laundering obligations and enhancing financial security and stability [1][3]. Group 1: Regulatory Changes - The new management method provides specific requirements for various financial institutions regarding customer due diligence and transaction record retention, serving as an operational guide to improve risk management and compliance within the industry [3]. - The draft removes the rigid requirement from the 2022 regulations that mandated financial institutions to understand and register the source or purpose of cash transactions exceeding 50,000 RMB [3][4]. Group 2: Risk Management and Compliance - Financial institutions, including policy banks and commercial banks, are required to conduct customer due diligence for transactions over 50,000 RMB or equivalent to 10,000 USD, ensuring the collection of basic customer identity information and retention of identification documents [3]. - The removal of the cash source or purpose registration does not indicate a relaxation of anti-money laundering regulations; instead, it allows for enhanced due diligence in higher-risk scenarios, balancing risk management with the need for efficient financial services [6]. Group 3: Industry Perspectives - Analysts emphasize the need for banks to find a dynamic balance between compliance and customer experience, suggesting the use of technology to improve efficiency and reduce unnecessary disruptions while maintaining anti-money laundering compliance [6][7]. - Recommendations include optimizing processes for low-risk customers, utilizing digital tools for information updates, and strictly protecting customer privacy by adhering to the principle of collecting only necessary information [7].

Group 1 - The core viewpoint of the news is that WeBank has launched the "WeLoan Official Marketing Number Inquiry" function to combat illegal loan intermediary services and protect consumer rights [1][2] - The initiative is part of a broader crackdown on financial crimes, particularly targeting fraudulent marketing calls that impersonate financial institutions [1] - Since the launch of the reporting campaign in November 2024, WeBank has received 2,791 reports involving 2,910 suspicious numbers, with a fraud rate of 98.8% among verified numbers [1] Group 2 - The new inquiry function allows consumers to verify marketing numbers quickly, providing a safeguard against harassment and financial fraud [2] - The verification process is user-friendly, taking only 5 seconds to return results, clearly indicating whether a number is an official marketing channel or a fraudulent one [2] - WeBank emphasizes that it does not charge any intermediary fees during the loan application process and encourages consumers to use only official channels for loan services [2]

该征求意见稿已于8月4日起向社会公开征集意见，截止日期为9月3日。 近日，中国人民银行、国家金融监督管理总局、中国证监会联合发布《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(征求意见稿)》(以下简称《管理办法》)，面向社会公开征求意见。 | 中国人民银行 | 国家金融监督管理总局 | 中国证券监督管理委员会 | 征求意见稿 | | --- | --- | --- | --- | | 这份新规中最引人注目的变化是：取消了2022年版监管规则中关于个人办理单笔5万元以上现金存取业务需"了解并登记资金来 | 源或用途"的硬性要求。 | | | | 此外，在为客户提供现金汇款、实物贵金属买卖等等一次性交易金额业务超过5万元的，金融机构仍需开展尽职调查，并登记客 | 户身份基本信息，留存客户有效身份证件或者其他身份证明文件的复印件或者影印件。 | | | 《征求意见稿》第九条 据报道，2022年，针对自然人客户单笔存取5万元以上现金的反洗钱监管规则，曾引发广泛社会争议。 这一规定在当时引发了社会广泛关注，"个人存取现金超5万元需登记资金来源或用途"迅速登上热搜。公众意见呈现分歧：部分 声音认为此举增加了 ...

Group 1 - The emergence of "professional debt" scams poses a significant threat to financial institutions and the overall economic order, as individuals sell their personal credit to take on others' debts for high profits, which is fundamentally fraudulent [1] - "Professional debtors" are often victims of these scams, facing substantial debts that can damage their personal credit and expose them to legal consequences for potential criminal activities such as fraud and money laundering [1] - Illegal loan intermediaries play a central role in this fraudulent scheme, targeting individuals with poor credit histories and colluding with bank employees to facilitate loans through bribery and corruption [1] Group 2 - The issue of "professional debtors" directly impacts national financial security and the welfare of vulnerable populations, as these individuals often lack the ability to repay debts, leading to increased non-performing loans and a strain on financial resources [2] - There is a call for stringent measures to combat the illegal activities associated with "professional debt," including increasing the costs of crime for all parties involved and enhancing internal controls within banks to prevent such practices [2] - Legal education and community outreach are essential to raise awareness about the risks associated with "professional debt," ensuring that more individuals understand the potential legal ramifications [2]

Core Viewpoint - Stablecoins, once a gray area in the blockchain world, are now being actively integrated into regulatory frameworks by governments worldwide, indicating a shift towards a new order in global digital finance [1] Group 1: Definition and Importance of Stablecoins - Stablecoins are digital currencies that anchor their value to fiat currencies (e.g., USD, HKD, EUR), providing price stability and programmability, serving as a crucial bridge between traditional finance and the Web3 world [2] - As of May 2025, the global market capitalization of stablecoins is projected to reach approximately $245.8 billion, reflecting a year-on-year growth of about 53%, with monthly stablecoin transaction volumes expected to exceed $3.7 trillion, a growth of over 150% from the previous year [2] Group 2: Need for Regulation - The rapid expansion of stablecoins has revealed several risks, such as insufficient reserve transparency and stability mechanisms, prompting global regulatory bodies to intervene [3] - Issues like the lack of transparency in reserves (e.g., USDT's undisclosed asset backing) and the failure of algorithmic mechanisms (e.g., Terra UST's collapse) highlight the necessity for clear regulatory boundaries and legal frameworks [3] - The IMF has warned that unregulated stablecoins could threaten monetary sovereignty and has recommended the establishment of unified standards to address their cross-border impacts [3] Group 3: Global Regulatory Approaches - Major economies are accelerating the establishment of stablecoin regulatory frameworks, with the EU leading by passing the MiCA regulation, categorizing stablecoins as electronic money tokens (EMT) and implementing a unified licensing system [4] - The US is proposing the GENIUS Act and state-level regulations that include a ban on unlicensed issuances and a requirement for 100% reserves [4] - Hong Kong's recently implemented Stablecoin Regulation adopts a dual-track model of licensing and sandboxing, setting a compliance benchmark globally [4] Group 4: Highlights of Hong Kong's Regulatory Model - The "licensing system" principle in Hong Kong mandates that any entity wishing to issue or circulate stablecoins must obtain a license from the HKMA, effectively curbing unauthorized issuances and associated risks [5] - Key regulatory standards include a minimum capital requirement of HKD 25 million, 100% asset backing for all stablecoins, prohibition of interest payments to users, regular audits, and compliance with AML and KYC standards [6][7] Group 5: Political and Financial Implications of Stablecoin Legislation - The legislative process surrounding stablecoins reflects deeper geopolitical and financial dynamics, including the competition between digital currencies and national sovereign currencies [9] - The control over cross-border payment channels and the establishment of who can legally issue stablecoins are central to the ongoing power struggle in the financial landscape [9] - Stablecoins are not just a form of currency but are also reshaping the foundational infrastructure of global finance, influencing the future of asset circulation [9] Group 6: Future Trends in Stablecoin Regulation - The potential for a unified international regulatory standard is a focal point for regulators and policymakers, with institutions like the BIS and FSB advocating for coordinated frameworks [10] - The emergence of a "stablecoin rating" system by third parties or official bodies may help users identify quality stablecoins [10] - The relationship between stablecoins and central bank digital currencies (CBDCs) is becoming increasingly intertwined, with some countries exploring parallel mechanisms [10]