2025 年 9 月 19 日，广发银行济南分行召开了消费者权益保护工作新闻发布会。 "同学们，遇到陌生人要你扫码领红包，千万不能点！"9月开学季，一堂别开生面的金融安全教育课在济南馆驿街小学举行，来自广发银行济南分行的专业 讲师与济南市公安局市中分局反诈骗中心的警官正结合"冒充客服退款""游戏账号诈骗"等学生群体高发案例，用情景演示、问答互动的方式讲解金融安全知 识——这堂生动的"金融安全第一课"，正是该行践行"大消保"理念、深耕"金融为民"的鲜活注脚。 作为国寿集团成员单位，广发银行济南分行始终遵循"用心守护 放心托付"的消保理念，紧扣"金融为民、金融惠民、金融便民"核心目标，将"大消保"要求贯 穿业务全流程、渗透服务各环节。从机制建设到纠纷化解，从宣教创新到生态协同，该行正以多维度实践为金融消费者筑牢权益保护"防火墙"，持续书写金 融服务民生的新篇章。 全流程渗透：构建多层级"大消保"管理体系 金融消保工作是一项长期、复杂的系统性工程，健全的消保管理体系是消保工作的基石。2024年6月，国家金融监管总局、人民银行、证监会三大金融监管 部门联合发布《关于金融消费者权益保护相关工作安排的公告》，标志着我国金 ...

2025 年 9 月 19 日，广发银行济南分行召开了消费者权益保护工作新闻发布会。 消保工作融入全流程 金融消保工作是一项长期、复杂的系统性工程，健全的消保管理体系是消保工作的基石。2024年6月，国家金融监管总局、人民银行、证监会三大金融监管 部门联合发布《关于金融消费者权益保护相关工作安排的公告》，标志着我国金融消费者权益保护工作步入"大消保"时代的全新阶段。 面对"消保"新形势、新要求，"广发银行济南分行坚持党建引领，将消保工作提升纳入中央巡视反馈问题整改和分行'十四五'规划，并结合深入贯彻中央八项 规定精神学习教育，推进消保工作再上新台阶。"广发银行济南分行党委书记、行长李建元说。 据介绍，广发银行济南分行制定了落实国家金融监督管理总局山东监管局消保"三支箭"工作体系主体责任清单，细化了上到分行行长、下至基层员工等9个 层面的具体工作要求，真正实现将消保工作融入全员、全流程、全业务。 近期，为进一步提高员工专业能力和服务水平，广发银行济南分行还举办了"用心守护 放心托付"消保知识竞赛，通过现场答题、情景演练等多种模式，实 现全体干部员工以赛增智、以赛代训、以赛促干。 前中后三端协同发力 "同学们，遇 ...

据中国人民银行湛江市分行行长司徒练介绍，信用海洋牧场"整域授信"工作精准对接渔业主体需求，有 力提升了"耕海"类主体金融服务的可得性、覆盖率、满意度。中国人民银行湛江市分行一直致力于将海 洋牧场"整域授信"工作全面铺开。此次更是结合开渔节良机，通过现场宣传、融资对接、走访调研等方 式构建"沉浸式"互动场景，点亮湛江蓝色征信地图。 千帆破浪，渔火映丰年。近日，南海伏季休渔期结束，广东湛江各大渔港热闹非凡，新一轮"耕海"征程 开启，鱼、虾、蟹、螺等各类渔获生猛鲜活，整座城市"鲜"味十足。渔歌互答声里，金融的"东风"已踏 准节拍悄然汇聚，助力每一道帆索出海争"鲜"。 《金融时报》记者了解到，在中国人民银行广东省分行指导下，中国人民银行湛江市分行自2023年就开 始创新探索开展信用海洋牧场"整域授信"工作，创立以海洋牧场为主体的授信新模式。在今年南海开渔 期间，中国人民银行湛江市分行"以海为媒，以信为桥"，广泛组织金融机构结合开渔节谋划部署信用海 洋牧场系列宣传对接活动，走进码头、港口、企业和活动现场开展"点对点"金融服务对接。8月16日以 来，全市金融机构共开展30多场信用海洋牧场"整域授信"宣传推介活动，举办融资 ...

Core Insights - The core focus of the report is on the development of retail banking at Guangfa Bank, emphasizing a balanced approach to quality, efficiency, scale, and structure in business operations [1][2]. Group 1: Business Performance - Guangfa Bank has achieved significant progress in operational efficiency, with steady growth in retail business revenue and an optimized asset-liability structure [1]. - The bank's personal deposit business has seen both quantity and quality improvements, while personal loans have enhanced self-operating capabilities [1]. - The private banking client base has grown rapidly, and the quality of credit card customers has steadily improved [1]. Group 2: Strategic Initiatives - Guangfa Bank is actively involved in the development of pension finance, focusing on customer needs and expanding its pension product offerings, having opened 1.3 million personal pension accounts [1]. - The bank has launched new credit financing services for new citizens to support entrepreneurship and has introduced various consumer loan products [1]. - The bank has implemented policies to adjust interest rates on existing first-home loans to support a stable real estate market and has contributed to consumption recovery with credit card spending reaching 2.22 trillion yuan [1]. Group 3: Digital Transformation - Guangfa Bank is enhancing its retail business through systematic, comprehensive, and digital capabilities, accelerating its digital transformation [2]. - The bank has built a "scene + finance" digital customer service ecosystem, resulting in over one million new customers [2]. - The introduction of various digital tools, including the successful launch of a step-by-step core system for credit cards, has provided strong momentum for digital transformation and high-quality development of credit card services [2]. Group 4: Comprehensive Operations - The bank has strengthened resource integration and deepened collaborative efforts, improving the efficiency of retail customer conversion [2]. - It has enhanced its professional service capabilities in wealth management, focusing on customer-centered product matrices and upgrading its financial products [2]. - The bank is developing a comprehensive lifecycle management system for customers, enriching its membership growth system and offering diverse and differentiated services [2].

Core Viewpoint - The company, as a key component of the local financial system, is committed to serving the county economy and has developed a unique path of high-quality development through financial innovation and support for rural revitalization [1][2] Group 1: Financial Innovation and Services - The company has introduced specialized credit products such as "Youth Entrepreneurship Loan" and "Preferred Loan" to meet diverse financing needs of different customer groups [1] - The "Whole Village Credit" initiative is a key strategy, creating a service system that combines "Financial Village Officials + Mobile Banking" to enhance financial services in rural areas [1] - The company has launched a digital platform, including a mobile banking app and the "Credit e-loan" system, allowing for efficient loan applications and disbursements [2] Group 2: Risk Management and Social Responsibility - The company maintains a non-performing loan rate below 1% through a big data risk control system that creates precise customer profiles [2] - The company actively engages in social responsibility initiatives, such as the "Financial Knowledge into Thousands of Homes" campaign, to educate the community and protect residents' finances [2] Group 3: Future Outlook - The company aims to continue playing a leading role in local finance by providing high-quality financial services that align with economic development needs and innovative product systems to address financing challenges [2]