据了解，此次活动是"数盾计划·全民守护行动——千屏点亮百万家庭"主题活动的首站，后续还将走进 福州等地，针对不同地区、不同群体的特点，提供定制化的金融消保服务，重点普及防非反诈、个人信 息保护、合理借贷等知识，让金融安全知识惠及更多家庭。 本次活动将防非反诈宣传与扶危济困深度融合。在活动现场，大石乡派出所反诈民警以真实案例为切入 点，用接地气的方言向村民揭示非法集资、电信诈骗的常见套路，提醒村民"天上不会掉馅饼，一夜暴 富是陷阱"。 本报讯 （记者矫月）为深入践行社会责任，11月19日，在重庆市防范和打击非法金融活动专项工作机 制办公室、重庆市小额贷款公司协会、重庆市垫江县花寨村村委指导下，上海数禾信息科技有限公司 （以下简称"数禾科技"）走进重庆垫江县大石乡花寨村，开展"数盾计划·全民守护行动—走进花寨村'防 非'专场"宣传活动。 数禾科技品牌负责人表示，乡村地区是金融消保的薄弱环节，也是"数盾计划"重点关注的领域。此次联 合监管部门走进花寨村，既是响应国家乡村振兴战略的实际行动，也是深化金融消保下沉的重要举措。 活动结束后，数禾科技还与美团金融服务平台一同走进花寨村困难村民家，与他们面对面交流，倾听难 题 ...

Core Insights - The second summit on non-performing asset disposal and risk prevention was held in Beijing, focusing on compliance and mission [1][3] - The summit gathered over a hundred representatives from various sectors to discuss the current state of non-performing asset disposal, risk prevention, and technology application [3] Industry Context - The financial consumer protection work is facing a complex situation due to the evolving economic environment and financial landscape, necessitating new thinking, technology, and models [3] - Traditional methods are inadequate for addressing the diverse needs of clients and the challenges posed by black and gray market activities [3] Company Initiatives - The company has adopted a new management philosophy for high-quality financial consumer protection, emphasizing self-discipline, smooth channels for customer service, and collaborative industry governance [3][4] - The company has developed a three-tier consumer protection defense system based on traditional Chinese medicine principles, focusing on prevention, early intervention, and comprehensive treatment [4] Technological Innovations - The company has implemented the "Tian Gang Customer Insight System" for real-time monitoring and intelligent warning of customer risks, successfully blocking over 20,000 telecom fraud cases in 2024 [4] - The company has enhanced customer support through proactive engagement, resulting in a 39% increase in interest waivers for struggling customers and a significant reduction in complaints [4][5] Consumer Education - The company has prioritized improving consumer financial literacy through engaging educational materials, reaching over 32 million individuals through various channels in 2024 [5] - The company's consumer protection initiatives have transformed from a cost center to a value core, significantly improving customer experience and brand trust [5] Future Directions - As a leading industry player, the company aims to deepen the synergy between technology and consumer protection, contributing to a compliant, stable, and responsible financial ecosystem [6]

Core Insights - The second summit on non-performing asset disposal and risk prevention was held in Beijing, focusing on compliance and mission, highlighting the importance of technology and regulatory frameworks in the financial sector [1][2] - The summit featured over a hundred representatives from various sectors, emphasizing the critical role of non-performing asset management in maintaining financial stability and the need for technological innovation [1][2] Group 1: Financial Consumer Protection Strategies - The financial consumer protection work is evolving due to changes in the economic environment and financial landscape, necessitating new thinking and technology to address complex challenges [2] - The core management philosophy shared by the company includes three key points: self-discipline within institutions, streamlined customer service channels, and collaborative industry governance to combat illicit activities [2][3] Group 2: Technological Innovations in Consumer Protection - The company has developed a three-tier consumer protection framework based on traditional Chinese medicine principles, focusing on prevention, early intervention, and comprehensive treatment [2][3] - Specific initiatives include the "Tian Gang Customer Insight System" for real-time risk monitoring and fraud prevention, which successfully blocked over 20,000 telecom fraud cases in 2024 [3] - The company has implemented proactive customer support measures, resulting in a 39% increase in interest waivers for struggling clients and a significant reduction in complaint pressures [3][4] Group 3: Enhancing Financial Literacy and Consumer Engagement - The company prioritizes improving consumer financial literacy through engaging educational materials disseminated via various channels, achieving over 400 outreach events and reaching over 32 million individuals in 2024 [3][4] - The use of AI technology has significantly enhanced the efficiency of consumer protection communications, transforming the content generation process [3][4] Group 4: Impact on Customer Experience and Brand Trust - The company's consumer protection efforts have shifted from being a cost center to a core value driver, enhancing customer experience and brand trust [4] - Key performance metrics include a 99.04% first response rate to complaints within 48 hours and a 98.73% resolution rate within five working days, alongside a 25% decrease in regulatory complaint transfers [4] Group 5: Commitment to Sustainable Financial Practices - The company aims to align with national financial stability goals and contribute to high-quality industry development through continued technological empowerment in consumer protection and risk management [4]

Core Points - The "Future is Here" event, organized by Xiamen Evening News and sponsored by Industrial Bank Xiamen Branch, aims to provide a platform for young reporters in Xiamen to showcase their talents and enhance their skills [1][3] - The event is part of the celebrations for the 26th Chinese Journalist Day, featuring performances, charity sales, and volunteer services [1][3] Group 1 - The event serves as a practical platform for young reporters to develop their abilities and gain experience [3] - Industrial Bank Xiamen Branch emphasizes its commitment to "sincere service and mutual growth," focusing on financial services that benefit the community [3] - The bank set up a special area at the event to introduce advanced financial services and promote financial consumer protection knowledge to attendees [3]

Core Insights - Recent adjustments in credit card installment business rules by several banks, including Industrial and Commercial Bank of China (ICBC) and China Everbright Bank, have raised significant market attention regarding the implications for the industry [1][4][7] Group 1: Changes in Credit Card Installment Services - China Everbright Bank announced the discontinuation of its "self-selected installment" feature effective December 9, 2025, which previously allowed automatic installment for all transactions over 100 RMB or 20 USD/EUR into 12 monthly payments with fees ranging from 0.5% to 0.8% [1][4] - ICBC will stop offering installment options longer than 36 months starting December 5, 2023, eliminating the previous 48 and 60-month options while retaining 1-36 month choices for new transactions [4][5] - Longjiang Bank had already ceased its credit card flexible installment service earlier in June 2023, indicating a broader trend across various types of banks [7] Group 2: Industry Implications and Consumer Impact - The adjustments are driven by the need to adapt to current market conditions, as long-term installment options have contributed to credit card risk, and the shift aligns with deepening financial consumer protection principles [7][8] - Analysts suggest that these changes may lead to a short-term loss of credit card installment business and a slowdown in installment fee growth, but they are expected to promote a transformation in credit card services towards higher quality [7][8] - The reduction in long-term installment options encourages consumers to reassess their spending habits and manage their debt more responsibly, fostering a healthier credit culture [7][8] Group 3: Rising Credit Card Delinquency Rates - The People's Bank of China reported that the total amount of credit card loans overdue for more than six months reached 123.964 billion RMB by the end of 2024, marking a 26.31% year-on-year increase [8] - The market has seen a significant rise in the transfer of non-performing loans, with a 190.46% year-on-year increase in the first quarter of 2023, particularly in credit card non-performing loans, which surged by 879.25% [8] - Major banks, including China Construction Bank and China Everbright Bank, have been actively transferring non-performing credit card loans, indicating a critical need for banks to manage their credit risk more effectively [8]

Core Insights - Ping An Bank successfully conducted the 2025 Financial Education Promotion Week, featuring innovative approaches such as the launch of a comic book and community volunteer initiatives [1][5] - The bank's efforts aim to enhance financial literacy and consumer protection awareness among various demographics, including the elderly, parents, students, and working individuals [1][5] Group 1: Financial Education Initiatives - The bank launched a comic book titled "Three-Minute Comic on Preventing Telecom and Internet Fraud," covering common fraud types and prevention techniques for different demographics [1] - Various engaging activities were organized during the promotion week, including a financial comic exhibition and interactive sessions to make financial knowledge more accessible [1] Group 2: Volunteer Programs - Ping An Bank initiated the "Little Orange Hat" financial consumer protection volunteer program, collaborating with communities, schools, and enterprises to promote financial knowledge and risk awareness [1] - The volunteer program has already been launched in multiple cities, including Beijing, Shanghai, and Shenzhen, focusing on community engagement and education [1] Group 3: Creative Content - The bank produced three original videos to disseminate financial knowledge in a relatable manner, including a parody of a matchmaking show to illustrate investment risk awareness [2] - Another video focused on common scams faced by the elderly and youth, while a third provided an immersive look into the operations of fraudulent schemes [2] Group 4: Community Engagement - Ping An Bank's initiatives also included community outreach through the "Ping An Guardian Action" and "Consumer Protection Five Entering Projects," aimed at bringing financial consumer protection into various community settings [2]

Core Viewpoint - The 2025 Financial Education Promotion Week organized by Ping An Bank successfully integrates financial consumer protection into daily life through innovative methods and community engagement [1][12]. Group 1: New Initiatives - Ping An Bank launched a new comic book titled "Three Minutes to Learn Fraud Prevention," covering common telecom and online fraud types, aimed at various demographics including the elderly and students [2]. - The bank introduced the "Little Orange Hat" volunteer initiative, recruiting community volunteers to provide financial education and consumer protection services across multiple cities [4]. Group 2: Creative Outreach - Three original video productions were released during the promotion week to make financial knowledge more relatable and accessible [5]. - The show "Matchmaking Investment and Finance" creatively presents the principles of suitable investment through a familiar dating show format [6]. Group 3: Community Engagement - Ping An Bank's initiatives include the "Five Entering" program, which aims to bring financial consumer protection directly into communities, schools, and rural areas [8]. - Various local activities were organized, such as financial education camps and anti-fraud campaigns in multiple cities, enhancing community awareness [10]. Group 4: Achievements in Consumer Protection - The bank reported significant achievements in combating financial crime, including the removal of over 53,000 fraudulent advertisements and the initiation of multiple criminal cases [7]. - The efforts to protect vulnerable groups, particularly the elderly and youth, were highlighted through educational videos that received recognition in national competitions [6]. Group 5: Overall Impact - The 2025 Financial Education Promotion Week effectively promoted financial literacy and consumer rights, establishing a foundation for ongoing financial safety in everyday life [12].

Core Points - The successful interception of a potential fraud case targeting an elderly customer demonstrates the bank's commitment to financial consumer protection and safeguarding clients' assets [1][2] - The incident involved a 70-year-old woman attempting to withdraw 30,000 yuan for purchasing health products, which raised suspicions among bank staff [1] - The bank's proactive measures included verifying the customer's intentions and educating her about common fraud tactics, ultimately preventing a financial loss [1][2] Summary by Sections - **Incident Description** - A 70-year-old customer, Ms. Dong, attempted to withdraw 30,000 yuan for health products, which prompted bank staff to investigate further due to the lack of knowledge from her family [1] - The bank staff recognized the signs of potential elder fraud during the verification process and initiated a risk interception protocol [1] - **Response and Actions Taken** - The bank staff slowed down the transaction under the pretext of needing to register the purpose of the large withdrawal, allowing time for further investigation [1] - The lobby manager engaged Ms. Dong in a conversation about health products, guiding her to verify the legitimacy of the product, which turned out to be unapproved and potentially fraudulent [1] - **Outcome and Follow-Up** - Ms. Dong realized she was on the verge of falling victim to a scam and expressed gratitude for the bank's intervention, which saved her 30,000 yuan [1] - The bank's management followed up with Ms. Dong and her family to reinforce the importance of being cautious about financial transactions and recognizing potential scams [1][2] - **Future Commitment** - The bank plans to continue enhancing its fraud prevention measures and integrating anti-fraud knowledge into daily services, ensuring that financial services provide a secure environment for customers [2]

Group 1 - The core idea of financial consumer protection is "tailored education," focusing on the financial knowledge needs of different demographics, particularly the elderly [1] - Minsheng Bank has established a precise education system that covers all age groups and scenarios, aiming to enhance financial literacy among the elderly [1] - In Shenyang, Minsheng Bank's branch has successfully conducted financial education classes for seniors, receiving positive feedback for its interactive teaching methods [1] Group 2 - Minsheng Bank recognizes the unique needs of elderly customers and has implemented "age-friendly + scenario-based" services to create a supportive financial service ecosystem [2] - The Xiamen branch has integrated pension financial services with community life, positioning itself as a "good neighbor" in the community since 2013 [2] - The Xiamen branch has made significant adaptations for elderly customers, including barrier-free access and personalized service, enhancing the overall customer experience [2] Group 3 - The Xiamen branch has launched the "Leisure Age Finance" service brand, offering a variety of financial and non-financial services to improve the quality of life for elderly clients [3] - In Shantou, Minsheng Bank has set up "love windows" in all branches to provide specialized services for elderly and disabled customers, ensuring they receive personalized assistance [3] Group 4 - The Shantou branch has organized community health services, such as traditional Chinese medicine and eye clinics, to enhance residents' health awareness and satisfaction [4] - Staff at the Puning branch effectively assisted a hearing-impaired customer using AI subtitle tools, demonstrating the bank's commitment to providing accessible and warm financial services [4]

Core Viewpoint - China Pacific Insurance (Shandong) actively responds to the National Financial Supervision Administration's "Financial Education Promotion Week" by implementing a comprehensive financial consumer protection strategy, showcasing the company's commitment to safeguarding financial rights and enhancing public financial literacy [1][3]. Group 1: Leadership and Initiatives - The company emphasizes a "financial for the people" philosophy through initiatives like "Executive Reception Day" and "Consumer Protection Pioneer Lecture Group," led by General Manager Lu Qiang, to promote financial education at the grassroots level [2][3]. - The company participated in the "Golden Horn Financial Knowledge Market" event, providing financial knowledge and addressing public concerns about fraud and money laundering, thereby enhancing the audience's awareness of financial risk [2][6]. Group 2: Community Engagement - During the financial education week, the company organized over 300 on-site educational activities across various institutions, delivering financial knowledge directly to communities [6][7]. - Customized outreach programs were conducted in fishing ports and schools to educate specific demographics about risks such as illegal fundraising and campus loans, thereby improving financial literacy among youth and vulnerable groups [7][8]. Group 3: Innovative Education Approaches - The company is integrating financial consumer protection knowledge into cultural tourism activities, creating an interactive learning environment that combines leisure with financial education [8][11]. - A new educational ecosystem is being developed that combines online and offline resources, utilizing VR technology and personalized courses to enhance knowledge retention and practical application [8][11]. Group 4: Future Commitment - The company is committed to a customer-centric service philosophy, aiming to expand the depth and breadth of educational outreach while reinforcing consumer rights protection [11].