10月17日，浙商银行公告称，因业务调整，该行将于2025年11月14日下线电话银行个人存款交易类功能 服务。 这一举动并非个例。记者注意到，近年来已有多家银行陆续下线电话银行的部分功能，如转账汇款、小 额贷款、缴费充值等。 某股份行从业人士对记者表示，银行这些调整是出于机构数字化转型中对安全性、运营成本及客户行为 变迁的综合考虑。"服务渠道的调整是正常的，关键在于银行要提供顺畅的替代方案和必要的协助，让 客户在数字化转型中获得更优质、安全的服务体验。" 多家银行陆续下线电话银行部分功能 农业银行于2023年5月11日起停止电话银行农户小额贷款、个人自助循环贷款、证券第三方存管及缴费 等自助金融性交易服务。 上述银行也在公告中提及，电话银行部分功能下线后，客户如有相关业务需求，可通过手机银行、网上 银行等自助渠道或线下柜台办理。 业内：要提供顺畅的替代方案 对于机构陆续下线电话银行部分功能，某股份行从业人士对记者表示，这是出于机构数字化转型对安全 性、运营成本及客户行为变迁的综合考虑。 该人士举例称，比如理财，电话渠道就难以像手机银行或网点那样实施类似"双录（录音录像）"的风险 管理。另外，这也符合当下金融服 ...

如有疑问，请致电福建海峡银行客服热线。由此给您带来的不便，敬请谅解，感谢您长期以来对福建海 峡银行的信任与支持。 2025年10月15日，福建海峡银行发布公告称，为提供更加优质的金融服务，福建海峡银行将于2025年10 月17日（星期五）19:00-2025年10月18日（星期六）6:00开展信息系统维护，在此期间可能影响您在福 建海峡银行手机银行、网上银行、微信及支付宝支付、银联、自助设备、微信银行、电话银行、微信公 众号、微信小程序、数字人民币等交易渠道以及跨行往来账、线上贷款等业务办理。 ...

2025年10月14日，南京银行（601009）发布公告称，2025年10月18日（星期六）凌晨3:00至4:00，南京 银行将参加金融业统一组织的例行性演练。期间，除信用卡POS消费、信用卡他行ATM取款正常服务 外，所有渠道（包括但不限于网上银行、手机银行、鑫e伴、电话银行、自助设备、小程序、公众号 等），以及南京银行银行卡第三方支付机构网络支付业务（包括微信支付、支付宝、抖音支付等）均暂 停服务。 在此期间，如您有资金使用或支付等需求，请提前做好安排，或者耐心等待演练结束。如您有任何疑 问，请致电南京银行客户服务热线。 由此给您带来的不便，敬请谅解！感谢您一直以来对南京银行的支持和信赖！ ...

Core Viewpoint - Shenzhen Rural Commercial Bank announced a system upgrade scheduled for September 20, 2025, to enhance financial services, which will temporarily suspend various banking operations [1] Group 1: System Upgrade Details - The system upgrade will take place on September 20, 2025, from 00:30 to 02:30 and again from 04:30 to 06:30 [1] - During the upgrade, all banking services including ATM, POS, self-service terminals, telephone banking, online banking, mobile banking, fund transfers, card network payments, and other services will be suspended [1] - Customer service hotlines will remain available for manual consultation during the upgrade period [1] Group 2: Customer Advisory - Customers are advised to plan their banking activities accordingly due to the temporary suspension of services [1] - The bank expresses apologies for any inconvenience caused and encourages customers to reach out to local branches or customer service for further inquiries [1]

Core Viewpoint - Digital finance is recognized as a key force and core content in building a strong financial nation, leveraging modern digital and information technologies to enhance the value of data resources and drive the digital transformation of the financial system [3]. Group 1: Definition and Evolution of Digital Finance - Digital finance is defined as a dynamic historical process where the financial system relies on modern digital technology and data resources as key production factors, driving organizational transformation and functional improvement to meet the demands of a digital and intelligent society [3][4]. - The concept of fintech dates back to the 1970s, initially referring to the integration of banking and computer technology, evolving to encompass significant impacts on financial markets and services through technological innovation [5][6]. - The evolution of financial technology has been marked by the introduction of automated services like ATMs and online banking, enhancing service levels and operational efficiency [6][7]. Group 2: Technological Advancements in Financial Services - The rise of the internet and mobile technologies has facilitated the development of various online financial services, such as internet banking and peer-to-peer lending platforms, transforming traditional financial service models [7][8]. - Modern digital technologies like big data, artificial intelligence, and blockchain are being utilized by financial institutions to innovate business models and improve service efficiency, enabling better credit assessments and fraud detection [8][9]. Group 3: Data Application and Governance in Digital Finance - Data application and governance are crucial in defining the business forms of digital finance, with low-cost and large-scale data availability being fundamental to the transition from an industrial to a data-driven economy [10]. - The potential of data as a key production factor is contingent upon effective internal governance, industry collaboration, and regulatory coordination [10].