近期，中国邮政储蓄银行信用卡中心主动公示其委托的第三方金融纠纷调解组织信息，明确引导客户在 发生争议时通过该渠道解决。《中国经营报》记者注意到，此举并非孤例，兴业银行部分分行此前也曾 对调解机构的信息进行了披露。 苏商银行特约研究员高政扬提出，在当前稳增长、扩内需的背景下，相关制度通过改善消费环境、增强 金融支持的可预期性，对内需修复具有基础性、长期性的积极意义。 主动作为筑牢消费保护防线 "银行主动公示并引导客户通过第三方金融纠纷调解组织解决争议的核心意义在于完善金融消费者保护 机制与提升治理效率。"高政扬告诉记者。 此前，国家金融监督管理总局、中国人民银行等多部门联合发布了《关于推进金融纠纷调解工作高质量 发展的意见》（金发〔2025〕14号），明确提出要"把非诉讼纠纷解决机制放在前面"，要求银行、保险 机构建立专业高效、方便民众的金融纠纷调解机制，做到"纠纷不拖延、矛盾不升级、风险不扩散"。 北京京师（成都）律师事务所律师刘诚冬亦赞同上述说法。他指出，银行这样做的意义在于响应监管政 策要求、降低纠纷解决成本、提升消费者信任度、从源头化解金融矛盾。"调解办结时限短，能大幅降 低银行和消费者的时间、经济成本 ...

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 ...

智通财经12月23日讯（记者 彭科峰）近期，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 确指出当消费者与该行发生争议时，可通过邮储银行委托的第三方调解组织解决纠纷，并公布相应机构名单。 智通财经记者采访了解到，这是国有大行首度对外发布处理金融纠纷的第三方机构组织信息。 在此之前，有部分全国性银行分行在地方监管支持下有过类似尝试，但在总行层面明确对外公示信息，在全国性银行 （六大行与股份行）则为首例。 受访业内人士表示，这一动作背后蕴含内外多重原因。 外因在于，今年4月，金融监管总局、中国人民银行等联合发布《关于推进金融纠纷调解工作高质量发展的意见》，明 确要求各地银行、保险机构加大对金融纠纷的重视，建立相关机制。 内因则是，近年来随着经济环境的变化，银行和消费者之间各类纠纷也在不断增加。 智通财经记者还从多家银行了解到，目前各地正在积极创新应对各类银行投诉、纠纷事件。有地方监管明确提出了减 少投诉量的工作目标。有的省份则借鉴保险机构经验，在业务办理时提前置入风险提示和调解组织信息。 国有大行首度披露第三方调解机构信息 智通财经记者注意到，邮储银行公告明确该行当前受委托的第三方调解组织为： ...

金融纠纷调解组织受理案件后，调解员结合实际案例向王先生开展针对性金融普法教育，详细讲解出租 银行账户的法律后果与潜在风险，甚至会被不法分子用于电信诈骗、洗钱、赌博等违法犯罪活动，同时 指出某银行对王先生账户采取管控措施，是为防止不法分子继续利用账户实施违法行为，属于合规范围 内的风险防控措施。经调解员耐心释法与风险提示，王先生充分认识到自身行为的风险与危害，随即办 理了账户销户手续，停止出租行为，保障自身账户安全。纠纷得以妥善解决。 金融监管总局表示，本案提醒金融消费者，出租出借出售银行账户均属于违法行为，极有可能充当电信 诈骗、洗钱、赌博等违法犯罪活动的工具。金融机构在日常业务活动中发现账户异常情况时，应及时采 取风险防控措施，做好政策解释与引导工作，同时还要运用多种宣传方式加大普法力度，增强金融消费 者的法律意识和风险防范意识，避免消费者因法律认知不足而上当受骗、触犯法律红线。 金融纠纷调解组织受理案件后迅速开展调查。调解员首先核查了涉案贷款中介经营资质，确认该贷款中 介与某银行不存在业务合作关系，系贷款中介与王先生自行联系办理贷款业务。同时，调解员请某银行 详细核查贷款全过程，查明系王先生本人办理资料提 ...

Core Viewpoint - Jiangsu Financial Regulatory Bureau is implementing a comprehensive set of measures to enhance financial services, focusing on consumer protection and financial support for businesses and individuals [1][2][3][4][5][6][7] Group 1: Financial Support Initiatives - The bureau is promoting personal consumption loans and service industry loans with interest subsidy policies, effectively lowering financing costs and stimulating consumer potential [2] - By mid-2025, the health insurance premium income in Jiangsu reached 32.659 billion yuan, with claims amounting to 8.724 billion yuan, indicating a growing insurance market [2] - Various local initiatives, such as "Su Xin Action" in Suqian and "Red Salt Loan" in Yancheng, have successfully provided significant credit support to businesses and individual entrepreneurs [2] Group 2: Consumer Protection Measures - A coordinated mechanism for financial consumer rights protection has been established, focusing on combating illegal intermediaries and enhancing information sharing among departments [3] - The bureau has initiated collective actions against illegal activities, leading to numerous cases being filed by law enforcement [3] - The establishment of a city-level mechanism in Xuzhou for illegal intermediary governance demonstrates a collaborative approach to maintaining financial order [3] Group 3: Enhanced Financial Services - Jiangsu is improving accessibility in pension finance by promoting barrier-free facilities and developing personal and commercial pension products [4] - By mid-2025, personal pension insurance premium income reached 1.366 billion yuan, covering 110,100 individuals, while commercial pension accounts totaled 580 million yuan [4] - Financial services for foreign nationals are being optimized, including the integration of foreign banks into domestic payment systems and the provision of multilingual support [4] Group 4: Financial Education and Awareness - A multi-channel financial education network has been established, focusing on community engagement and innovative outreach methods [5] - Initiatives like the "Financial Protection in 100 Communities" campaign and the creation of financial safety maps aim to enhance public financial literacy [5] - Localized financial education efforts, such as the use of regional dialects and creative materials, are being employed to make financial knowledge more accessible [5] Group 5: Dispute Resolution and Accessibility - The bureau is expanding financial dispute mediation services, with plans to add 100 new mediation points across the province by 2025 [6] - Innovative solutions for financing challenges, such as a quick loan application process and targeted agricultural loans, are being implemented to improve access to finance for small businesses [6] - The rapid response to insurance needs for new energy vehicles in Nanjing highlights the bureau's commitment to addressing consumer concerns promptly [6] Group 6: Overall Impact - Jiangsu Financial Regulatory Bureau aims to create a reliable financial environment that supports both businesses and consumers, acting as a "safety shield" and "warm bridge" for the community [7]

Group 1 - Jiangsu Financial Regulatory Bureau focuses on "finance for the people" through institutional innovation, technological empowerment, and service enhancement, showcasing a comprehensive approach to improve financial services [1] - By mid-2025, Jiangsu's personal insurance companies are expected to have health insurance payouts of 8.724 billion yuan, with "惠民保" covering over 10 million people and elderly care community beds exceeding 4,000 [1][2] - The implementation of personal consumption loan interest subsidy policies aims to stimulate consumption and reduce financing costs, with health insurance premium income reaching 32.659 billion yuan and payouts of 8.724 billion yuan by mid-2025 [2] Group 2 - Jiangsu Financial Regulatory Bureau enhances consumer protection by establishing a coordination mechanism for financial consumer rights protection and cracking down on illegal financial activities [3] - Collaborative efforts with law enforcement have led to the identification of hundreds of leads and dozens of criminal cases related to illegal loan intermediaries and other financial crimes [3] - The insurance industry is actively involved in combating illegal "agent refund" practices, promoting industry cooperation to maintain financial order [3] Group 3 - The bureau promotes the development of pension financial services, with personal pension insurance premium income reaching 1.366 billion yuan and commercial pension accounts totaling 80,700 by mid-2025 [4] - Efforts to improve services for foreign nationals include facilitating access to digital RMB wallets and enhancing banking services with multilingual support [4] - The establishment of seven elderly care communities with 4,090 operational beds reflects the ongoing commitment to enhancing financial services for the elderly [4] Group 4 - Financial education initiatives are being expanded through a multi-channel approach, including community outreach and integration with local events to raise awareness [5] - The bureau has launched various risk awareness campaigns, utilizing digital media and community engagement to disseminate financial knowledge [5] - Innovative financial education tools, such as local language materials and online programs, are being developed to enhance understanding of financial concepts [5] Group 5 - The bureau is advancing financial dispute resolution by adding over 100 new mediation service points by 2025, aiming to improve access to conflict resolution [7] - Quick responses to specific issues, such as insurance for new energy vehicles, demonstrate the bureau's proactive approach to resolving industry challenges [7] - Innovative solutions, like mobile loan applications and new financing models, are being implemented to address the financing difficulties faced by small and micro enterprises [7]

Core Insights - Jiangsu Financial Regulatory Bureau is enhancing financial services through a series of measures aimed at improving consumer finance and protecting consumer rights [1][4]. Group 1: Consumer Financial Support - The bureau is implementing personal consumption loan interest subsidy policies in collaboration with the provincial finance department, aiming to lower financing costs and stimulate consumption potential [3]. - By mid-2025, Jiangsu's life insurance companies reported health insurance premium income of 32.66 billion yuan, with claims amounting to 8.72 billion yuan [3]. Group 2: Consumer Rights Protection - A coordinated mechanism for financial consumer rights protection has been established, focusing on collaboration among departments and information sharing [4]. - The bureau, in conjunction with the provincial public security department, is conducting crackdowns on illegal financial activities, particularly targeting unlawful loan intermediaries and agents [4]. Group 3: Pension Financial Services - By June 2025, personal pension insurance premium income in Jiangsu reached 1.366 billion yuan, covering 110,100 individuals [5]. - The province has established seven elderly care communities with a total of 4,090 operational beds [5]. Group 4: Financial Dispute Resolution - The bureau is enhancing financial dispute mediation services, aiming to add 100 new mediation service points by 2025 to improve access in rural areas [6]. - A rapid response was initiated to address insurance challenges for 1,123 new energy taxis in Nanjing, completing renewals within three days [6].

Group 1 - The Jiangsu Insurance Industry Association's mediation center successfully resolved an insurance dispute through cross-institutional collaboration, demonstrating the industry's commitment to efficient and compassionate dispute resolution [1] - A consumer, Ms. An, faced a cancellation dispute regarding her insurance policies and urgently sought mediation, highlighting the center's responsiveness to consumer needs [1][2] - The mediation process involved a "back-to-back mediation + face-to-face communication" approach, ensuring consumer rights were protected while encouraging corporate responsibility [2] Group 2 - The successful resolution of the dispute is a reflection of the center's implementation of the "Fengqiao Experience," which emphasizes community-based dispute resolution [2] - The insurance industry in Jiangsu has seen an increase in complex and diverse insurance contract disputes, making mediation essential for consumer rights protection and industry stability [2] - A training session for industry mediators was held to enhance their professional skills, with over 90 mediators attending in person and more than 1500 participating online [3] Group 3 - The training focused on mediation techniques, case writing standards, and the importance of high-quality case documentation to improve mediators' capabilities [3] - The Jiangsu Insurance Industry Association has facilitated the establishment of consumer protection centers and mediation workspaces to address consumer rights and financial education [3] - Future plans include further implementation of financial regulatory guidelines to enhance the efficiency and warmth of financial dispute resolution services [3]

Core Insights - The article highlights the increasing need for efficient financial dispute mediation mechanisms in response to rising conflicts across various sectors and regions [1] - The Qingdao Banking and Insurance Dispute Mediation Center has been established to provide a one-stop professional mediation service, significantly improving the efficiency of financial dispute resolution [2][4] Group 1: Mediation Center Achievements - Since its establishment in May 2020, the mediation center has received a total of 21,874 cases and successfully mediated 8,001 cases, involving over 850 million yuan [2] - The center has implemented a "smart mediation" platform that allows for efficient handling of disputes, reducing the average mediation cycle from 30 days to 13 days, with some cases resolved on the same day [4] Group 2: Innovative Mediation Approaches - The center has developed a multi-faceted collaboration mechanism, integrating various departments such as traffic police and courts to streamline the mediation process [4] - New initiatives like "holiday mediation" and online mediation services have been introduced to enhance accessibility and convenience for consumers, particularly targeting the elderly and working professionals [6][5] Group 3: Financial Governance and Education - The center is focused on building a comprehensive governance system that combines prevention, mediation, and education to enhance financial literacy and risk awareness among consumers [8] - Training programs for mediators are being implemented to improve their professional skills and ensure high-quality mediation services [8]

Core Insights - The securities advisory industry is facing a significant increase in refund requests, with total refunds reaching 2.328 billion and 2.445 billion in 2022 and 2023 respectively, marking an over 80% increase from 1.348 billion in 2021 [3][5] - A substantial portion of these refunds, estimated at 30%-40%, is attributed to malicious agency claims, which are causing considerable disruption to the advisory sector [3][6] - The number of agency firms involved in securities advisory claims has surged to approximately 800, with expectations for further growth in 2023 [3][6] Industry Dynamics - The securities advisory industry has seen a dramatic increase in refund requests, with "abnormal refunds" now accounting for 30%-40% of total refunds, primarily driven by clients seeking full refunds after contract expiration [6][7] - The total complaints in the securities advisory sector exceeded 23,000 in 2023, a 400% increase from 2021, indicating a growing trend of client dissatisfaction and aggressive refund requests [8][9] - Many advisory firms are adopting a strategy of direct refunds to mitigate complaints, as high complaint volumes can lead to severe regulatory penalties, including a three-month suspension of new client acquisitions [8][9] Financial Implications - The securities advisory industry generated a net income of 5.44 billion in 2024, despite facing increasing refund pressures [5] - The total refund amount in 2023 reached 2.445 billion, with an estimated 30%-40% flowing to agency firms, suggesting that the agency claims business could generate around 290 million in revenue for these firms [10][11] - The abnormal refund claims are estimated to consume over 9 billion of the total refund amount, significantly impacting the industry's overall profitability, which was only 1.762 billion in the same year [11] Regulatory and Operational Challenges - The industry is grappling with the challenge of malicious agency claims, which are often facilitated by individuals posing as legal consultants to induce clients to file complaints against advisory firms [7][12] - Regulatory bodies are beginning to address the issue, with recent initiatives aimed at curbing the rise of malicious agency claims and improving the overall integrity of the financial advisory sector [12][14] - The complexity of prosecuting these malicious claims is heightened by the use of sophisticated tactics by agency firms to evade detection, including operating under multiple company names and utilizing online platforms for transactions [12][14]