资金存管

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深圳贝壳圣都整装上线装修资金存管服务 保障消费者资金安全
Ge Long Hui· 2025-09-04 04:14
9月2日,"存管护航 装修无忧——深圳贝壳圣都整装资金存管发布会"在深圳举行。在深圳市消费者委员会、深圳市市场监督管理局南山监管局 指导下,贝壳旗下直营家装品牌深圳圣都整装联合中信银行共同推动,在客户、银行与企业三方之间建立起"专款专户、节点解冻"的资金监管 体系,旨在重构客户对家装交易的基本信任,从存管机制出发,重建消费者对家装交易的基本信任。 ( 图注:深圳贝壳圣都整装资金存管正式发布启动仪式照片 ) 资金控制权交还消费者,构建"三方共管"安全网 此次推出的资金存管服务,核心在于建立客户、银行、企业三方协同的监管体系:客户装修款项全程冻结于个人名下银行账户,不进入企业经 营资金池,仅在水电验收、基装完工、竣工验收等关键节点经客户确认满意后,资金才会分批次解冻支付给企业。同时,机制实行"息本分 离"原则,冻结期间产生的利息归客户所有,从制度层面保障消费者权益。 预付制风险制约发展,存管模式成破局关键 贝壳集团副总裁兼东南区域总经理 戴明奎在发言中分享了贝壳在居住服务领域的"机制创新基因":"2005年北京房产中介行业推行资金监管时, 客户担心'钱房两空',企业顾虑'资金周转压力',但我们坚信'难而正确的事' ...
客企银共建“专款专户、节点解冻”机制 重构家装行业信任生态
Zheng Quan Shi Bao Wang· 2025-09-03 07:37
Core Viewpoint - The home decoration industry is entering a golden development period driven by the demand for "good houses" and "expanding domestic demand to promote consumption," but it faces challenges such as low consumer trust [1][2] Group 1: Industry Developments - The home decoration industry is adopting new measures to enhance consumer trust and satisfaction, with leading companies implementing innovative solutions [1] - A new funding supervision system has been established by Shenzhen Shengdu Decoration, a brand under Beike, in collaboration with CITIC Bank, aiming to rebuild consumer trust in home decoration transactions [1] - The funding supervision service involves a tripartite regulatory system among customers, banks, and companies, where customer funds are frozen in personal bank accounts until key milestones are met [1] Group 2: Financial Mechanism - The mechanism operates on the principle of "separation of interest and principal," ensuring that interest accrued during the freezing period belongs to the customer, thus protecting consumer rights [1] - The initiative reflects a shift from "oral promises" to "institutional guarantees" in the home decoration industry, marking a significant transformation in industry practices [2] - Beike's home decoration business generated a net income of 7.5 billion yuan in the first half of the year, representing a year-on-year growth of 16.5% [2]
家居周十条 | 第三批690亿元“国补”资金已下达 、富森美董事长刘兵被留置、悍高集团启动A股IPO申购…
Sou Hu Cai Jing· 2025-07-28 09:15
Group 1 - JD MALL's second offline store has opened in Beijing, attracting industry attention and raising questions about its impact on the home furnishing ecosystem and traditional channel models [2][4] - The theme of a recent forum focused on the transformative effects of cross-industry forces entering the home furnishing sector, aiming to outline a clear path for high-quality development [4] Group 2 - The National Development and Reform Commission has allocated 69 billion yuan in special bonds to support the consumption of old goods, with over 280 million people applying for subsidies, leading to significant retail growth in various sectors [6][10] - The retail sales of home appliances and furniture have seen year-on-year growth rates of 30.7%, 25.4%, 24.1%, and 22.9% respectively, contributing to a 5% increase in total retail sales of consumer goods [6][10] Group 3 - The chairman of Fusenmei has been detained for suspected violations, with the vice chairman temporarily taking over responsibilities to ensure stable governance [6][9] - Hanhai Group has initiated its IPO process, issuing 10.8 million shares at a price of 15.43 yuan per share, aiming to raise 617 million yuan for key projects [10][12] Group 4 - The New Haoxuan brand is redefining the door and window industry by evolving from product competition to ecological collaboration, as evidenced by its recent product launch event [12][14] - New Standard Doors has achieved significant market presence through innovative advertising and product development, reflecting its strategic positioning in a competitive market [14][16] Group 5 - The global ceramic tile market is facing challenges, yet the Chinese brand Dajiao Lu is emerging as a leader through strategic upgrades and technological innovations [16][17] - Dajiao Lu is positioning itself as a pioneer in the ultra-wear-resistant tile segment, aiming to reshape the global market landscape [17] Group 6 - The home decoration industry is transitioning from chaotic growth to a more regulated and transparent phase, addressing past issues related to fund management and consumer trust [19][21] - The introduction of third-party supervision and technological advancements is facilitating this shift towards a more standardized industry [21] Group 7 - Rabbit Baby has been recognized as the top seller in the decorative board industry in China, achieving significant sales growth and consumer trust [22][24] - The implementation of the "Furniture Quality Traceability System" aims to address quality issues and enhance consumer protection in the furniture market [24]