多方联动消保
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万场活动暖民心 多元解纷护消费 广东中行打造消保实践新样板
Zhong Guo Jin Rong Xin Xi Wang· 2025-12-04 09:54
Core Viewpoint - Guangdong Bank emphasizes consumer rights protection as a fundamental aspect of its operations, integrating it into all business processes and customer service through innovative mechanisms, technology, and multi-party collaboration [1][2]. Group 1: Consumer Rights Protection Initiatives - Since 2025, Guangdong Bank has conducted over 10,000 financial education activities, reaching nearly 100 million consumers, focusing on themes like "investing wisely" and "safe payments" [1]. - The bank has established mediation workstations in cities and counties to explore diversified dispute resolution paths, including the creation of a financial dispute mediation committee in Zhuhai [1][4]. Group 2: Mechanism and Management - Guangdong Bank employs a matrix management system led by senior executives to ensure consumer rights protection is implemented effectively, transitioning from "soft constraints" to "hard implementation" [2]. - The bank integrates consumer rights protection into key meetings and emphasizes customer needs in product design and service processes, addressing common pain points like long wait times [2]. Group 3: Dispute Resolution and Service Improvement - The bank has developed a "five two" complaint management system to clarify responsibilities and improve response times for consumer complaints [4]. - By collaborating with social forces, Guangdong Bank has created platforms for diversified dispute resolution, bringing mediation services closer to the public [4]. Group 4: Financial Education and Awareness - Guangdong Bank integrates financial education into various life scenarios, making it more engaging and accessible, such as through interactive activities at popular tourist spots [6]. - Initiatives like "Little Bankers" allow children to learn about banking through role-playing, fostering an understanding of financial concepts in a fun environment [6][9]. Group 5: Technology and Risk Management - The bank is leveraging digital tools to enhance consumer rights protection, transitioning from manual to data-driven governance in dispute resolution [9]. - Guangdong Bank utilizes technology to raise awareness about financial risks, employing social media and mobile platforms to educate customers about potential scams [9]. Group 6: Collaborative Ecosystem for Consumer Protection - Guangdong Bank collaborates with various stakeholders, including law enforcement and educational institutions, to create a comprehensive consumer protection ecosystem [10]. - The bank's initiatives include community events that combine cultural elements with financial education, enhancing public engagement and awareness [10].