兴业银行乌鲁木齐分行精心设计互动问答环节，围绕反洗钱法律法规、诈骗识别技巧、求助渠道等核心 问题展开，学子们举手抢答、积极参与，现场掌声与欢呼声不断。同时，该行工作人员向师生们发放精 心编制的"反诈宝典"，手册图文并茂、内容精炼，涵盖常见骗局拆解、应急处置流程等实用知识，成为 大家随身的"安全指南"。 转自：新华财经 为切实提升高校学子反洗钱与反诈防骗意识，守护青年群体财产安全，近日，兴业银行乌鲁木齐分行携 手乌鲁木齐市公安局天山区分局等单位走进新疆一所高校开展"守护青春 远离洗钱陷阱"主题宣传活 动，以生动鲜活的形式为师生们送上一堂干货满满的金融安全"必修课"。 活动现场，乌鲁木齐市公安局天山区分局民警结合"刷单返利""出租出借银行卡""冒充公检法涉案"等新 型诈骗与洗钱关联手段，通过真实案例拆解"两头骗""虚拟货币转移资金"等隐蔽套路，明确指出出租、 出借、出售银行卡可能沦为犯罪"工具人"的法律风险，提醒学子"轻松赚钱"不是天上掉"馅饼"，很可能 落入诈骗的陷阱，牢记"三不"原则：不轻易泄露个人信息、不点击陌生链接、不盲目转账汇款。 趣味互动环节让现场氛围持续升温，憨态可掬的"兔子警官"形象一亮相便吸引学 ...

Core Viewpoint - The article highlights the collaborative anti-fraud initiative led by Industrial Bank's Jinan branch, emphasizing the importance of community engagement and multi-sector cooperation in enhancing public safety and financial security [1][2]. Group 1: Anti-Fraud Campaign Details - The campaign involves a "4-party linkage" model, integrating government, banking, community, and enterprises to promote anti-fraud awareness [2]. - A "1+N" multi-dimensional publicity matrix was established, featuring an intelligent anti-fraud experience area using VR technology to simulate common fraud scenarios [1]. - The initiative includes hands-on anti-fraud education for the elderly and legal knowledge lectures by local police, targeting various age groups [1]. Group 2: Educational Methods and Impact - The "Golden Shield Service Team" employs innovative teaching methods such as "case restoration" and "scenario simulation" to educate residents on prevalent fraud types [1]. - The campaign successfully increased the retention rate of anti-fraud knowledge by over 60% through interactive elements like the "anti-fraud experience card" [1]. - A total of over 800 residents were served, and 1,500 promotional materials were distributed during the event, receiving positive feedback from the community [2]. Group 3: Broader Implications and Future Plans - The initiative is positioned as a vital component of social governance, reinforcing the idea that financial security is foundational to community stability [2]. - The bank plans to continue enhancing cooperation among government, banking, community, and enterprises, aiming to create a replicable model for grassroots social governance [2].

转自：新华财经 银警协作拦截电信诈骗，守护市民资金安全 随着电信诈骗手段不断升级，冒充"公检法"等精准诈骗案件频发，部分消费者尤其老年群体风险防范意 识薄弱，易受不法分子诱导。招商银行青岛分行建立"银警协作快速响应机制"，通过三方面举措筑牢防 线。 一是强化员工情景识别能力，招商银行青岛分行定期组织全员开展诈骗案例演练，聚焦"客户神情紧 张、频繁接听陌生电话、执意大额转账且言辞含糊"等典型异常行为，系统化提升一线人员的风险敏感 度与识别精准度，让潜在诈骗行为无处遁形。二是搭建实时风险干预闭环，招商银行青岛分行在业务办 理中，一旦发现可疑交易线索，工作人员第一时间主动核实客户转账用途，对涉及"安全账户""保密要 求"等高危关键词的情况立即触发预警，同步暂停业务办理，并迅速与反诈中心建立联动沟通，确保干 预及时、处置精准。三是构建多方联动处置体系，招商银行青岛分行主动与市公安局、辖区街道社区深 化合作，搭建高效畅通的信息共享渠道，形成"银行预警—公安核查—社区联动"的处置链条，实现风险 事件快速核查、涉案资金链及时冻结，最大限度降低客户财产损失。 瞄准青年群体需求，开展青年夜校专题培训。招商银行青岛分行与专业机构 ...

着眼"睡眠账户"的规范管理，云闪付"一键查卡"功能不仅是一项便民服务，更对提升全民金融安全意识 具有积极意义。当前，一键查卡功能已被中宣部、公安部、工信部、人民银行等部委评为八大反诈利器 之一，助力筑牢防范资金风险、保护民众"钱袋子"的有效防线，构建安全、稳定、健康的金融环境。 小时内生成，用户可通过云闪付APP查看报告。为确保用户的个人隐私及财产安全，云闪付APP将在3 日后自动删除报告。 整个查询流程严格遵守国家个人信息保护相关法律法规，通过多重身份认证机制确保用户信息安全，严 防信息泄露。用户无需前往多家银行网点，通过手机即可一次性、集中化了解自己在各银行的账户开立 情况，极大提升个人金融账户管理的效率。 目前，"一键查卡"已支持查询用户在493家银行的银行卡开立情况，其中包括18家全国性商业银行和各 省份的475家区域性商业银行。截至目前，该功能已服务超2000万用户。 为进一步保障金融消费者资金安全和合法权益，中国银联联合商业银行，持续优化云闪付APP上"一键 查卡"功能。目前该服务已支持查询用户在近500家银行的银行卡开立情况，为公众高效管理个人银行账 户提供有力的抓手。 近期，多家商业银行发布" ...

目前，"一键查卡"已支持查询用户在493家银行的银行卡开立情况，其中包括18家全国性商业银行和各 省份的475家区域性商业银行。截至目前，该功能已服务超2000万用户。 为进一步保障金融消费者资金安全和合法权益，中国银联联合商业银行，持续优化云闪付APP上"一键 查卡"功能。目前该服务已支持查询用户在近500家银行的银行卡开立情况，为公众高效管理个人银行账 户提供有力的抓手。 着眼"睡眠账户"的规范管理，云闪付"一键查卡"功能不仅是一项便民服务，更对提升全民金融安全意识 具有积极意义。当前，一键查卡功能已被中宣部、公安部、工信部、人民银行等部委评为八大反诈利器 之一，助力筑牢防范资金风险、保护民众"钱袋子"的有效防线，构建安全、稳定、健康的金融环境。 近期，多家商业银行发布"睡眠账户"管理相关公告。着眼于便利社会公众全面、便捷地掌握个人银行卡 账户开立账户情况，在中国人民银行指导下，中国银联联合商业银行在2021年12月开始为用户提供便捷 查询名下银行卡账户的服务，在确保信息安全的前提下，方便人民群众直接掌握个人名下银行卡信息， 强化自身银行卡管理。 用户可以点击打开云闪付APP，在搜索框中输入"一键查卡"， ...

作者：李凤文 总之，银行下场卖房是特殊时期的战术性选择，核心目标是快速化解风险、回笼资金，但也需要重视防 范交易纠纷等声誉风险。从长远来看，构建多层次、专业化、市场化的不良资产处置体系才是根本之 道。银行应立足金融主业，当好资金提供者与协调者，通过与AMC、科技公司、地方政府的深度协 作，运用更多创新模式化解房地产不良资产风险，既守住金融安全底线，又为房地产市场平稳健康发展 注入持久动力。 责任编辑：王馨茹 但潜在挑战同样不容忽视。银行的核心竞争力在于金融服务，下场卖房缺乏专业销售团队、市场推广经 验和客户资源，可能面临"水土不服"和成本收益失衡的问题。就房产如何做到合理评估、公平定价，有 效防范内部人员以权谋私等，对银行内控管理提出更高要求。同时，出售房产如果在产权、物业费缴纳 等方面存在瑕疵，一旦出现交易纠纷，将直接损害银行声誉。对市场而言，集中入市的低价房源可能短 期压制周边房价，如兰州某"直供房"集中小区，周边二手房成交均价较上半年下跌4.2%，部分业主被迫 下调挂牌价。不过这种影响边界清晰，因"银行直供房"成交量占全国二手房交易总量不足1%，且多集 中在三四线城市或近郊，难以撼动整体房价体系。 值得 ...

黄金圈的大炸弹 作者 | 万爷 当黄金仍旧处于涨涨涨的爆买时代之时，一则消息引爆了全球！ 11月14日，"我国发现千吨级超大金矿"的消息不胫而走，它如同一块投入平静湖面的巨石，激起的涟漪远不止于地质学界。 这不仅是中国找矿史上的里程碑成就，更是在全球黄金价格屡创新高、各国央行持续增储的宏大背景下，一个极具象征意义的事件。它让我们有机会重新 审视脚下这片土地所蕴藏的财富，以及黄金在当今动荡世界中所扮演的愈发关键的角色。 2025年11月14日，中国矿产资源版图迎来一个历史性时刻。自然资源部宣布，辽宁地矿集团在辽东地区成功探明了我国首个千吨级超大型单体金矿床—— 大东沟金矿。其探明的金金属量高达1444.49吨，这个数字足以让它在世界金矿排行榜上占据显要位置，更是新中国成立以来所发现的最大规模单体金矿 床。 除了令人震撼的资源总量，大东沟金矿的特点同样值得玩味。官方定义其为"超大型低品位露天金矿"。所谓"低品位"，是指其矿石中的平均金含量为0.56 克/吨，这意味着需要处理海量的矿石（总量达25.86亿吨）才能提炼出黄金。然而，"露天"的开采方式极大地降低了开采难度与成本。 尽管品位不高，但官方已明确表示其通过了 ...

Core Insights - The article discusses the emerging threats and solutions in financial security due to advancements in AI technology, particularly focusing on the competition between AI-generated fake content and AI tools designed to detect such content [1][2][3] Group 1: AI in Financial Security - The ZOLOZ platform, developed by Ant Group, showcases AI-driven risk control capabilities, including the identification of fake images that could deceive facial recognition systems [1] - ZOLOZ's RealDoc feature analyzes business documents to detect forgery and logical inconsistencies, supporting 119 languages and currently used in over 25 countries [2] - The integration of AI in financial institutions is becoming crucial as organizations seek to enhance their security measures against sophisticated threats [3] Group 2: Innovative Payment Solutions - Tencent introduced a "palm payment" system that uses palm print and vein recognition technology, which is considered more secure than facial recognition [2] - This payment method has been launched in Singapore in collaboration with local fintech company FOMO PAY, following its introduction in China [2] Group 3: Advanced Security Solutions - Huawei's multi-layered ransomware protection solution separates network, computing, and storage functions to enhance security in banking data centers [3] - The solution includes a backup system that isolates core data, providing a last line of defense against potential breaches [3] Group 4: AI and Fraud Detection - Small Shield Security combines AI with human oversight to analyze data for suspicious accounts and potential fraud, addressing the risks associated with relying solely on AI for decision-making [4] - Tookitaki is developing an AI-driven ecosystem for sharing anti-financial crime experiences among institutions, aiming to enhance collective knowledge and improve crime prevention strategies [4]

Core Viewpoint - Ping An Bank's Haikou branch, in collaboration with Ping An Group, successfully held a financial education event at a large auto show in Haikou, focusing on enhancing financial safety and consumer rights awareness [1][3] Group 1: Event Overview - The event was themed "Diverse and Efficient Resolution, Protection of Eight Rights," aiming to integrate financial knowledge dissemination into the lively atmosphere of the auto show, receiving widespread acclaim from the public [1][3] - The "Financial Knowledge Carnival" attracted significant attention, utilizing engaging displays and easy-to-understand explanations to educate citizens on eight basic rights of financial consumers, fraud prevention, and personal information protection [3] Group 2: Interactive Activities - Interactive segments, such as the "Fraud Prevention Challenge," drew large crowds, employing games like ring toss, pot throwing, and a financial knowledge wheel to teach fraud prevention techniques in a fun environment [3] - The event fostered a warm and lively atmosphere, with citizens actively participating and answering questions, thereby enhancing their awareness of financial risk prevention [3] Group 3: Future Initiatives - Ping An Bank's Haikou branch plans to continue innovating in financial service promotion, aiming to deliver financial safety knowledge to a broader audience and contribute to safeguarding citizens' financial security [3]

Core Insights - The rising gold prices have brought the focus back to the gold reserves of various countries, highlighting gold as a crucial element of national credit and financial security [1][3]. Group 1: Gold Reserves and National Credit - Gold reserves are a vital support for national credit, providing value stability during economic turmoil and helping to avoid risks associated with currency depreciation [3]. - The United States holds the largest gold reserve at 8,133 tonnes, followed by Germany with 3,350 tonnes, while China's gold reserves stand at 2,299 tonnes, raising discussions about its adequacy given China's status as the world's second-largest economy [4][13]. Group 2: Historical Context and Economic Implications - Post-World War II, the U.S. accumulated 75% of the world's gold reserves by linking the dollar to gold, which has shaped the current global financial landscape [6]. - Germany's gold repatriation plan initiated in 2013 aimed to increase the proportion of gold stored domestically, enhancing financial sovereignty and confidence among its citizens [10][12]. Group 3: Current Trends and Future Considerations - China's gold consumption exceeded 1,000 tonnes in 2023, primarily in jewelry and bars, which do not qualify for international financial settlements, emphasizing the need for official reserves to support the internationalization of the Renminbi [15][16]. - The increase in gold prices presents both opportunities and challenges for countries, with Germany benefiting from enhanced financial stability, while China faces rising costs in its gold accumulation efforts [22].