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 ...

Core Insights - Consumer spending is becoming a key driver of economic growth, with financial institutions playing a crucial role in stimulating domestic demand through targeted support policies [1] Group 1: Product Offerings - The bank has developed a comprehensive product system that combines online and offline offerings to meet diverse consumer needs, including a classic "personal consumption loan" and an innovative online "Xinghui Loan" with a credit limit of up to 500,000 yuan and a 5-year term [2] - The introduction of the "Qingcai Loan" mortgage product aims to alleviate the initial financial burden on young talent purchasing homes, offering flexible repayment options with a minimum principal repayment of 1% in the first five years [3] Group 2: Creative Services and Consumer Ecosystem - The bank is focusing on niche customer needs by creating a scenario-based rights system, such as the "Car Owner Card" that integrates benefits for fuel, car washes, and charging, and the "Feiyan Pet Card" targeting pet owners with shopping discounts and medical installment plans [4] - The bank is enhancing collaboration with enterprises to deepen the penetration of scenario finance by developing exclusive credit policies for employees and conducting group signing events [4] Group 3: Promotional Activities - The bank is implementing various promotional activities to stimulate consumer enthusiasm, including a "50% off storm" campaign in partnership with major brands, covering over 100,000 stores nationwide [5] - Additional initiatives include online promotions for home appliance upgrades and travel, as well as direct customer subsidies for new energy vehicle purchases, with a maximum subsidy of 15,000 yuan [5]