为深入贯彻落实国家金融监督管理总局关于加强金融消费者权益保护的工作要求，切实履行金融机构主 体责任，2025年，金美信消费金融与厦门金融纠纷调解中心进一步深化协作，共同推进公司金融消费纠 纷多元化解机制的系统化建设与专业化运作，有效提升纠纷处理质效，扎实筑牢消费者权益保护防线， 开启纠纷多元化解新实践。 动态优化，彰显金融消保人文关怀 金美信消费金融与厦门金融纠纷调解中心多次召开专题会议，围绕提升纠纷化解效率、优化客户服务体 验等议题展开深入研讨。通过系统梳理客户诉求、建立管理台账，联动各方精准施策，提供定制化解决 方案，推动服务不断迭代升级。2025年下半年，公司成功签署首份金融纠纷调解协议，标志着公司在多 元化纠纷解决机制建设方面迈出了坚实的一步。 未来，金美信消费金融将继续完善金融纠纷多元化解机制建设，致力于将金融纠纷化解在萌芽状态，解 决在问题源头。公司将以更贴心的金融服务、更扎实的消保实践，积极履行金融机构的社会责任，为营 造健康、稳定、和谐的金融环境贡献力量。 金美信消费金融立足业务实际，建立健全金融纠纷多元化解工作机制。通过实行调解权限动态授权、优 化响应及快速审批流程，确保纠纷调解工作高效顺畅 ...

智通财经从业内了解到，为应对金融纠纷，第三方调解机构应运而生。业内人士认为，作为非诉讼纠纷 调解的机制，第三方调解能够快速解决日常金融纠纷，提高司法资源分配效率，同时，帮助金融机构优 化服务流程，化解金融消费者与机构之间的矛盾。 第三方调解机构不断壮大 智通财经记者 | 安震 有银行人士对智通财经表示，秉正中心可以处理的纠纷范围不仅包括消金和信用卡，但地域一般限制在 北京地区发生的纠纷，或至少涉及北京的金融分支机构。 智通财经从业内了解到，目前在当地主管部门指导下，各地已经建立了第三方调解机构。 信用卡、理财产品、各类信贷等金融产品与服务的普及，成为支撑日常消费与财富管理的重要力量。然 而，金融产品的专业性和复杂性也使得消费纠纷[下载黑猫投诉客户端]日益增多，各类纠纷不仅困扰着 金融消费者，也占用了大量司法资源。 近日，智通财经注意到，邮储银行信用卡中心在官网发布了信用卡中心金融纠纷调解机构信息，明确信 用卡持卡人如果与银行发生争议，可以通过北京秉正银行业消费者权益保护促进中心（下称：秉正中 心）进行调解。 公开信息显示，秉正中心是在原中国银监会的指导下，由原北京银监局指导北京市银行业协会发起成 立。投标信息 ...

Core Viewpoint - The article highlights the effective integration of judicial services and party-building efforts in resolving financial disputes, showcasing a successful case of mediation that restored a borrower's financial stability [1][2][3] Group 1: Judicial and Party-Building Integration - The Shijiazhuang Financial Court has a high percentage of party members, with 84% of its staff being members, which strengthens the court's operational capabilities [1] - The court has established the "Gathering Light · Shining Balance" party-building brand to enhance its service delivery and dispute resolution mechanisms [1] Group 2: Mediation Mechanism - The court has implemented a "5+2" diversified financial dispute resolution mechanism, which includes five types of mediation rooms and the establishment of service stations with bank representatives [1] - A "demonstration mediation + preemptive mediation + judicial confirmation" mechanism has been developed to standardize mediation outcomes and improve predictability for parties involved [2] Group 3: Case Outcomes - Over three years, the financial court has resolved more than 60,000 financial disputes, assisting over 4,900 borrowers in overcoming difficulties, leading to a decline in local financial litigation for two consecutive years [3] - The successful mediation case of a borrower, who was able to return to work and repay her debts, exemplifies the court's effective approach to balancing creditor rights and debtor support [2][3]

Core Viewpoint - The establishment of the Shanghai Non-Bank Financial Mediation Center aims to enhance the diversified resolution mechanism for financial disputes, contributing to the construction of Shanghai as an international financial center [1]. Group 1: Center's Objectives and Services - The center focuses on providing professional and efficient mediation services for non-bank financial sectors such as leasing, trust, and insurance [1]. - It aims to create a neutral third-party platform to offer high-quality mediation services for financial disputes in Shanghai and the Yangtze River Delta region [1]. - The center's first expert pool consists of seasoned professionals from various fields, enhancing its capability to address complex financial disputes [1]. Group 2: Key Demands of Non-Bank Enterprises - The core demands of non-bank enterprises in disputes revolve around four dimensions: cost reduction, efficiency prioritization, risk isolation, and relationship maintenance [2]. - Companies seek to quickly recover debts and minimize financial chain risks, with a high emphasis on the timeliness of dispute resolution [2]. - There is a preference for lower-cost dispute resolution methods that maintain confidentiality to protect business reputation [2]. Group 3: Mediation Process and Advantages - The center emphasizes a "quick resolution" approach, with most cases expected to be resolved within two weeks, significantly faster than traditional litigation [2]. - Mediation costs are approximately half of those associated with litigation, and a tiered fee structure is implemented to further reduce costs for enterprises [2]. - The center promotes a problem-solving philosophy rather than a blame-oriented approach, focusing on maintaining long-term business relationships [2]. Group 4: Future Directions and Collaborations - The center's establishment is a significant step towards improving local financial governance and optimizing the business environment [3]. - It will leverage professional teams and expert think tanks to provide flexible and efficient dispute resolution pathways for various financial entities [3]. - The center aims to contribute to a healthy and stable financial ecosystem by promoting the "mediation first" concept in commercial disputes [3].