深圳建行走进龙华区晚晴苑养护院开展2025年金融教育宣传周工作。 深圳建行金融教育宣传市集活动现场。 在深圳这座充满创新活力与前沿探索的都市，金融的浪潮奔涌不息。这里的每一次技术迭代、每一次模 式革新，都与千万市民的美好生活息息相关。在此背景下，"金融消费者权益保护"已不再是一个被动的 监管命题，而是演变为一场关乎城市金融生态与社会信任的主动构建。作为服务特区的国有大行，中国 建设银行深圳市分行正以"大消保"理念为核心，践行"金融为民"初心，为这座城市书写一份体系宏大、 内涵丰富的时代答卷。 科技与战略"双轮驱动" 筑牢安全基石激发市场活力 "消保"工作的意义，远不止于防范风险，更在于通过构建安全的金融环境，为经济社会的高质量发展注 入强大动能。深圳建行将消保工作置于战略高度，以科技为盾，以战略为帆，开创了价值引领的新格 局。 这道"安全防线"的硬核实力，首先体现在科技赋能上。最近，客户肖女士遭遇钓鱼网站诈骗，正当她准 备将20万元转入风险账户的千钧一发之际，建行的智慧风控系统精准识别并果断触发拦截，资金被紧急 冻结。这并非孤例。这套被誉为"风控大脑"的系统，整合了AI与大数据技术，集事前防范、事中监控、 事 ...

消费热，经济活。恒丰银行立足首都功能定位，依托北京市消费支持活动，以创新金融产品、数字服务升级、资源动态调配等举措，聚焦高频场景，发力大 宗消费，加大对促消费扩内需的支持力度。今年以来，恒丰银行在京开展惠民活动超百场，为畅通经济循环注入强劲金融动能，助力国际消费中心城市建 设。 恒丰银行客户经理正在现场为吴先生办理购置新房的按揭贷款 家住海淀区的吴先生一直希望改善居住条件，但由于流程繁琐、审批周期长而迟迟未能实现。恒丰银行北京分行推出的高效按揭服务，从申请到放款仅用五 个工作日，帮助吴先生顺利购置了心仪的房子，并带动了装修、家电等相关消费。 今年以来，在房地产政策持续优化背景下，恒丰银行精准把握市场机遇，住房信贷的快速增长有效激活了消费链条。截至今年6月末，北京分行按揭贷款余 额较年初增长四成。通过跨条线协同创新，多部门联动优化授信策略，将全流程时效压缩75%，为刚性及改善性住房需求提供高效支持。 八月的新疆，是一年中最迷人的度假黄金季节，喀纳斯湖碧波荡漾，伊犁草原野花如海，正是出行好时节。家住北京朝阳区的闫先生和妻子本想前往度假， 却因刚装修完房子，资金紧张。正在发愁时，他通过"恒银e贷"无抵押个人信用消费 ...

Core Insights - The retail business has become a strategic focus for many banks, with increasing attention from institutional investors on its development [1][4] - Digital transformation is playing a crucial role in enhancing retail banking capabilities and service offerings [5][6] Group 1: Retail Business Development - Several listed banks are actively expanding their retail business, with notable growth in personal financial asset management and deposits [2][3] - For instance, Hu'nong Commercial Bank reported a 10.89% increase in managed personal financial assets, reaching 687.33 billion yuan by September 2022 [2] - Minsheng Bank's retail customer total assets grew by 1.19 billion yuan, with retail business revenue accounting for 49.01% of total revenue, up 5.57 percentage points year-on-year [3] Group 2: Digital Empowerment - Digitalization is integral to the transformation of retail banking, with banks implementing various digital strategies to enhance customer engagement and service efficiency [5][6] - Minsheng Bank has successfully engaged 37.4 million customers through digital channels, achieving an 11.39% success rate in customer activation [5] - Nanjing Bank is leveraging big data to provide integrated financial services, focusing on wealth management and product innovation [6] Group 3: Future Challenges and Strategies - The retail banking sector faces challenges such as high costs and competition from alternative financial services, necessitating a focus on sustainable value creation [4][7] - Banks are encouraged to maintain strategic focus and invest in retail banking while exploring partnerships with external institutions to enhance service offerings [8] - The future growth of retail banking is expected to be driven by improved asset management capabilities and wealth management services [8]

Core Viewpoint - The banking industry is undergoing a significant transformation in its mobile applications, with many banks opting to integrate or discontinue their apps to enhance efficiency and user experience [1][2][4]. Group 1: Current Trends in Banking Apps - Zhuhai China Resources Bank announced that its "Run Wallet App" will cease operations on October 15, 2025, with functionalities migrating to the China Resources Bank App [1]. - A trend of "thinning" is observed in the banking app sector, with multiple banks consolidating or shutting down their apps, particularly in credit card and direct banking services [2]. - The closure and integration of apps reflect the challenges and strategies banks face during digital transformation, including cost reduction, efficiency improvement, and market competition [1][2]. Group 2: Operational Insights - Each banking app requires significant investment in human resources, technology, and funding, making independent apps less viable as new credit card user growth stagnates [2]. - Consolidating apps allows banks to focus resources on core business areas, enhancing overall operational efficiency, aligning with current financial regulatory policies [2][3]. Group 3: User Experience and Future Directions - The integration of apps is expected to improve user experience by providing a one-stop service for various financial needs, reducing the complexity of managing multiple apps [3][4]. - Future banking apps are anticipated to leverage advanced technologies like big data and artificial intelligence to offer personalized financial solutions and enhance user experience [4][5]. - The trend indicates a shift towards ecological, intelligent, and differentiated banking apps, moving beyond traditional functions to create a "life + finance" ecosystem [5].