资金安全保障

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贝壳昆明站发布房款安全承诺,直面资金安全问题
Xin Lang Cai Jing· 2025-09-30 10:45
转自:推广 2025年9月30日,以"一诺千金·贝护春城"为主题的贝壳昆明站房款安全承诺发布会成功举办。 会上,贝壳昆明站正式发布了"房款安全,平台兜底"服务承诺。未来在昆明,房产交易双方只需按照标 准的流程进行房款支付,贝壳平台承诺对交易资金进行安全兜底,为消费者的房款安全提供保障。 直击行业痛点,全面守护资金安全 据了解,此次承诺在贝壳过去的"资金存管"基础上进行多项升级,将房产资金安全保障从存管环节拓展 至全交易周期,并通过标准化流程管理,实现从"静态告知"到"动态护航"的进化。 二手房交易流程复杂、交易金额大,房款资金安全一直是各方关注的焦点。为更好地保障买卖双方的交 易安全、降低交易过程中的资金风险,贝壳探索出一套行之有效的解决方案。 从2019年推出资金存管服务,到2021年建设签约服务中心,贝壳始终在建设房款安全的保障能力。 贝壳经纪事业线交易中心负责人刘旒介绍,房产交易链路的复杂性远超单一环节,只有通过加强平台服 务者、合作伙伴和消费者安全意识、房款安全支付管理能力等方面建设,扩展保障范围,为消费者提供 更全面的资金安全保障,才是切实解决资金风险的有效途径,这也是此次推出房款安全服务承诺的根本 ...
领先业界的黄金投资平台,御金国际以尖端科技全方位保障客户交易安全
Sou Hu Wang· 2025-09-12 10:55
资金安全是捍卫用户交易的重要基准之一。御金国际恪守"客户资产安全至上"的原则,推出多重资金保 障体系:首先,所有客户资金均与平台运营资金的严格隔离,杜绝任何挪用可能;其次,平台引入银行 级SSL加密传输技术与多重动态防火墙,对资金流动进行7×24小时实时监控与异常预警。时时刻刻,为 您的资金保驾护航。 御金国际专业黄金品牌,持澳大利亚证券及投资委员会(ASIC)颁发的权威牌照,公司引入现代化管治架 构,以高效的决策机制与透明的运营体系夯实发展基石,打造更稳定的交易环境,以科技赋能服务,以 实力保障交易体验,更以前瞻性的全球视野,聚焦长期价值,重塑行业标杆。 ▌实力基石:权威监管,构筑安心交易环境 御金国际作为知名的黄金交易平台,持有澳大利亚证券及投资委员会(Australian Securities & Investments Commission)颁发的牌照,并受其严格监管。御金国际提供的金/银投资服务符合澳大利亚《证券和投资 委员会法》及其他相关法规要求,客户的资金及交易安全受相关法例法规保护,切实为投资者资金提供 安全保障,提供透明公平的交易环境。 ▌科技赋能:端到端加密 + 智能风控,重新定义行业安全 ...
建行济宁北城支行:10 分钟紧急止付!极速护航企业资金安全
Qi Lu Wan Bao· 2025-08-13 08:11
Core Viewpoint - The article highlights the prompt and effective response of a bank branch to a client's urgent request for assistance regarding the loss of company seals and online banking security, emphasizing the importance of customer service and financial safety [1] Group 1: Incident Overview - A client contacted the bank urgently after losing three company seals and an online banking security device, expressing concerns about the safety of their account funds [1] - The bank staff quickly reported the situation to management and verified the information with the company's legal representative before implementing an emergency payment halt on the client's account [1] Group 2: Response Actions - The bank's operations team and public service staff promptly responded, with key personnel abandoning their breaks to assist [1] - A series of coordinated actions were taken, including confirming account details, entering control instructions, and submitting for system review, all completed within 10 minutes to secure the client's funds [1] Group 3: Client Recognition - The next day, the company representative visited the bank to express gratitude, presenting a banner that read "Efficient Service Shows Responsibility, Guardian of Fund Safety" [1] - The bank branch's management stated that client recognition serves as the greatest motivation, and they will continue to enhance emergency service mechanisms and improve service efficiency and professionalism [1]
靖奇投资:公司基本账户线上操作被冻结,线下柜台交易仍可正常办理
Sou Hu Cai Jing· 2025-08-08 02:20
Core Points - On July 2, a significant abnormal fund transfer occurred in the company's basic account, severely impacting normal financial arrangements and payment orders [1][2] - The company immediately reported the situation to the bank and formally requested to restrict online transaction rights for the account to safeguard asset security [1][2] - Currently, online operations of the basic account have been frozen, but offline counter transactions can still be conducted normally [1][2] Payment and Account Operations - To ensure the continuity of business relationships and contract fulfillment, the company is currently using offline counter transfer methods for payment, requiring the legal representative and a shareholder to visit the bank with necessary documents [2] - The legal representative has repeatedly requested cooperation from other shareholders and financial personnel to handle payment matters since early July, but has not received any response or support [2] Important Notices - Suppliers, service providers, and employees are advised to contact the company immediately regarding any outstanding payments or salary issues [5] - The company reserves all legal rights and will pursue legal responsibility against those who fail to fulfill their duties, causing operational losses [5] - Partners are urged to remain vigilant and not accept payment arrangements that lack legal authorization to avoid potential losses [5]
【BCR实力认证】荣获天眼9.12高分+PI保险双重背书,安全再升级
Cai Fu Zai Xian· 2025-07-28 10:23
Core Insights - BCR has achieved a high score of 9.12 from the reputable third-party financial rating agency Tianyan, reflecting its commitment to compliance, safety, and user experience in the competitive global financial market [1][2] - The platform holds legal regulatory licenses in multiple countries and employs a fund segregation system, which contributes to its high rating and user trust [1][2] Compliance and Security - BCR offers Professional Indemnity Insurance (PI Insurance), a rare safety measure in the industry, providing additional compensation guarantees for client funds in extreme situations [2] - The presence of PI Insurance enhances user confidence, especially for larger transactions, reinforcing BCR's reputation for compliance and operational responsibility [2] User Experience - Users have reported positive experiences with BCR, highlighting the platform's stability in spreads, efficiency in deposits and withdrawals, speed of trade execution, and responsive customer service [2] - BCR's rigorous approach to risk control and compliance management is evident in user feedback, contributing to long-term client trust [2] Future Outlook - The company plans to continue investing in technology and compliance, optimizing the trading environment, and enhancing service transparency and efficiency [2] - BCR aims to collaborate with more international regulatory and insurance institutions to further improve its global competitiveness and security assurance system [2]
第三方支付公司是否该为电信诈骗“消失的钱”负责?听金融法官讲
Bei Ke Cai Jing· 2025-06-04 15:30
Core Viewpoint - The rapid development of internet finance and the integration of third-party payment companies with online investment platforms have created convenient investment channels for consumers, but also highlighted security issues related to fund safety, particularly in cases of telecom fraud [1] Group 1: Case Background - In September 2017, an individual named Yang invested 3.12 million yuan through a third-party payment company, believing he was engaging with a legitimate investment platform, but the funds were redirected to problematic merchants due to unauthorized link redirection [2] - Yang managed to recover 1.28 million yuan but lost 1.84 million yuan, later receiving 70% of the remaining amount through a settlement agreement with the payment company [2] Group 2: Legal Findings - The Beijing Financial Court identified two main violations by the third-party payment company: allowing transfers between non-matching accounts and failing to monitor merchants' business activities effectively [3][4][7] - The court concluded that the payment company exhibited "surface compliance but substantial negligence," leading to a ruling that it should only bear 70% of the compensation responsibility [8] Group 3: Consumer Responsibility - The court emphasized that Yang, as a financial consumer, did not exercise due diligence in verifying the legitimacy of the investment platform and the recipient of the funds, which contributed to his losses [8][9] - The judge advised consumers to keep transaction records and evidence, report any anomalies immediately, and carefully read settlement agreements to avoid losing rights while seeking compensation [10]
香港证券市场监管全景图——大小券商受一样的监管,让您安心投资
贝塔投资智库· 2025-05-10 03:38
Core Viewpoint - Hong Kong has established itself as the world's third-largest financial center due to its robust regulatory framework, market stability, and the presence of top-tier financial institutions, ensuring investor safety and confidence [1][2][3]. Group 1: Regulatory Framework - Hong Kong operates under a common law system where investor safety is ensured through stringent regulatory measures rather than relying on institutional credit [1]. - The Securities and Futures Commission (SFC) applies uniform regulatory standards to all licensed brokers, ensuring equal treatment and accountability [1][4]. - The Independent Commission Against Corruption (ICAC) plays a significant role in maintaining integrity within the financial sector, contributing to the absence of broker defaults or fraud cases [1]. Group 2: Client Fund Protection - Client funds are stored in independent trust accounts at licensed banks, preventing brokers from accessing these funds directly, thus safeguarding investor assets [2][3]. - In the event of a broker's bankruptcy, the law ensures that client assets are not considered part of the broker's liquidation estate, allowing for a seamless transfer of assets to a new broker [2]. Group 3: Comparison with Mainland China - Hong Kong's fund custody system differs from mainland China's third-party custody model, providing a more secure and effective means of protecting client assets [3]. - The regulatory bodies in Hong Kong, such as the SFC and the Monetary Authority, enforce strict capital adequacy requirements and operational standards that exceed international norms [8][16]. Group 4: Financial Stability Mechanisms - The linked exchange rate system has been in place since 1983, maintaining the Hong Kong dollar's stability against the US dollar within a narrow band [7]. - Hong Kong's financial legal framework includes comprehensive regulations that require daily reporting of trading data, enhancing transparency and accountability [8]. Group 5: Investor Protection Measures - A multi-layered investor compensation system includes statutory compensation funds, professional liability insurance, and asset insurance from custodial banks, providing extensive protection for investors [10]. - The SFC employs advanced electronic monitoring systems to oversee trading activities, significantly reducing the risk of fraud and operational failures [11]. Group 6: Operational Oversight - Licensed brokers are subject to regular audits and inspections by the SFC, ensuring compliance with financial resource rules and operational standards [5][6]. - The SFC's proactive approach to monitoring includes real-time analysis of trading activities, allowing for rapid response to any irregularities [11]. Group 7: International Comparisons - Hong Kong's regulatory requirements for licensed institutions are more stringent than those in New York, with faster asset recovery processes compared to Singapore [16]. - The financial safety mechanisms in Hong Kong have been tested over 30 years, establishing a reliable framework for global investors [17].
FinPros富诺守护升级:FCA监管EMI账户如何打造客户资金“防火墙”
Sou Hu Wang· 2025-05-07 07:16
Core Viewpoint - The article emphasizes the growing importance of Electronic Money Institution (EMI) licenses in the rapidly evolving digital finance landscape, particularly in the UK, highlighting their role as a secure and innovative solution for financial institutions [1][2]. Group 1: Definition and Regulatory Framework - EMI, or Electronic Money Institution, is defined as an entity that issues electronic money and provides related payment services, regulated by the Financial Conduct Authority (FCA) in the UK [2]. - The FCA has established a robust compliance framework, recognized by over three-quarters of central banks globally, ensuring high transparency and prudential standards [2]. Group 2: Security Features of EMI - EMIs offer superior security compared to traditional banks through a rigorous customer fund protection mechanism, including 100% fund segregation in independent custodial accounts [3]. - Partnering with top-tier EMI institutions, FinPros ensures that customer funds are safeguarded by globally significant banks, adhering to strict FCA regulations [3]. - EMIs do not engage in lending or profit-generating activities with customer funds, isolating customer assets from institutional credit risks, thus enhancing stability against market fluctuations [4]. Group 3: Regulatory Oversight and Compensation - All EMIs in the UK are directly regulated by the FCA, which mandates regular compliance and financial reporting to maintain transparency [5]. - Leading EMI partners are part of the Financial Services Compensation Scheme (FSCS), providing eligible customers with compensation coverage up to £85,000 in extreme risk scenarios [5]. Group 4: Advantages of EMI Licenses - EMI licenses enable institutions to innovate rapidly, offering services like mobile wallets and instant transfers, significantly faster than traditional banks [7]. - The digital infrastructure of EMIs allows for quicker cross-border payments and settlements, enhancing operational efficiency [7]. - EMIs operate with lower overhead costs due to the absence of physical branches, allowing for greater investment in user experience and technological advancements [7]. Group 5: Strategic Value of EMI in Global Regulation - FinPros adopts a dual regulatory strategy, leveraging both flexible offshore regulations and stringent FCA oversight to balance compliance and operational flexibility [8]. - This approach allows FinPros to maintain competitiveness in the global market while ensuring high standards of fund security through partnerships with top-tier EMI institutions [8]. Group 6: Conclusion on EMI's Role in Modern Finance - The EMI license represents a new paradigm in wealth protection, combining high innovation with robust security measures, including 100% transparency, fund segregation, and compensation guarantees [9]. - As the financial landscape evolves, the EMI license serves as a critical bridge between innovation and compliance, establishing itself as a reliable "firewall" for customer funds in the digital finance era [9].
武汉二手房交易迎“安全革命”:贝壳如何提供“全周期”资金安全保障?
2 1 Shi Ji Jing Ji Bao Dao· 2025-05-01 02:33
Core Viewpoint - The article discusses the evolution of real estate transaction security in China, highlighting the shift from a seller's market to a buyer's market, and the subsequent improvements in transaction safety measures implemented by platforms like Beike [2][4][11]. Group 1: Transaction Security Improvements - The real estate market has transitioned to a buyer's market, leading to increased risks for sellers due to inadequate security measures in transactions [2][4]. - Beike has introduced a service commitment titled "房产资金'汉'卫安全," which extends security guarantees throughout the entire transaction process, not just during fund custody [3][11]. - A survey indicated that over 70% of consumers are unaware of common risks in second-hand property transactions, with 39.08% having experienced fund security issues [4]. Group 2: Enhanced Risk Management - Beike has implemented a comprehensive risk management system that includes dynamic monitoring and proactive alerts to ensure transaction safety [12][13]. - The platform has defined five categories of potential financial loss risks and established a city-level risk management organization to standardize processes [12]. - Beike's commitment includes a compensation mechanism for consumers in case of fund risks, ensuring that losses are addressed within 15 days [12][13]. Group 3: Collaboration with Financial Institutions - The new service model is expected to reduce risks for banks, as it enhances data accuracy and security in transactions, thereby improving loan processing efficiency [13]. - Beike's training programs for agents ensure that they are well-versed in the new service rules and can effectively communicate risks and commitments to clients [13].