来源：环球网 10月24日，贝壳旗下直营家装品牌圣都整装举行"装修资金存管发布会"，正式上线装修资金存管服务。 这一服务由圣都整装联合中信银行共同推动，在客户、银行与企业三方之间建立起"专款专户、节点解 冻"的资金监管体系，旨在从存管机制出发，重建消费者对家装交易的基本信任。 济南贝壳圣都整装资金存管正式发布启动仪式 客企银三方共建资金存管"安全网" 近年来，家装行业虽发展迅速，但"先付款、再施工"的传统模式存在一定风险。一旦出现施工延期、质 量问题或企业资金管理不规范等情况，消费者往往面临维权困境。为此，济南圣都整装推出资金存管制 度，通过设立第三方监管账户、按施工节点解冻资金、冻结期间利息归消费者所有三大举措，构建起客 户、银行与企业之间的信任桥梁，真正将资金控制权交还消费者。 山东省装饰协会执行会长兼秘书长 杨雯雯 作为金融合作方，中信银行济南分行零售银行部副总经理韩雪强调："中信银行济南分行将依托成熟的 资金清分体系与安全的账户管理技术，使每一笔装修资金按进度结算，清分明细可溯源，结算明细可查 询，让选择圣都的客户能'安心装修、放心筑家'。" 中信银行济南分行零售银行部副总经理 韩雪 济南市商务局消费 ...

Core Viewpoint - The launch of the renovation fund custody service by Zhengzhou Shengdu is aimed at rebuilding consumer trust in the home decoration industry and ensuring the safety of consumer funds through a regulated financial system [1][8]. Group 1: Industry Challenges - The home decoration market is facing significant issues, particularly the prevalent "pay first, then construct" model, which can lead to consumer rights violations if companies mismanage funds or fail to meet quality standards [3]. - These challenges not only damage the overall reputation of the home decoration industry but also hinder its sustainable development [3]. Group 2: Company Initiatives - Shengdu has committed to a "customer-first" philosophy since entering Zhengzhou in 2023, and the implementation of the fund custody service is a crucial step in addressing industry pain points and enhancing service standards [5]. - The company emphasizes the importance of "good products," "good technology," "good delivery," and "good service" to promote industry progress and provide a seamless home decoration experience for consumers [6]. Group 3: Fund Custody Service Details - The fund custody service involves freezing customers' renovation payments in their personal bank accounts, ensuring that funds do not enter the company's operational system until the customer is satisfied with the work [8]. - The service operates under the principle of "separation of interest and principal," with interest accrued on frozen funds belonging to the customer, reflecting a commitment to consumer rights [8]. - Since its launch on May 31, 2025, the service has safeguarded over 500 households and more than 40 million in renovation funds, achieving a coverage rate of approximately 98% [9].