Core Viewpoint - The establishment of the Bohai Bank Fengqiao Mediation Workstation in Tianjin marks a significant step in implementing the "Fengqiao Experience" in financial dispute resolution, enhancing the bank's integration into social governance and consumer rights protection [1][2]. Group 1: Mediation Mechanism - The Fengqiao Mediation Workstation serves as a collaborative platform between the bank and local governance, integrating judicial, administrative, and industry resources to provide professional and convenient mediation services [1][2]. - The workstation adopts a "mediation first, negotiation primarily" principle to efficiently resolve financial disputes, thereby protecting bank claims and improving consumer rights protection [1]. Group 2: Historical Context and Development - Bohai Bank has been proactive in exploring financial dispute mediation mechanisms, having previously established a Fengqiao Work Studio in Beijing in September 2024, which laid the groundwork for the Tianjin workstation [2]. - The establishment of the Tianjin workstation aligns with the bank's goal of enhancing consumer protection and reflects the implementation of the spirit of the 20th National Congress of the Communist Party of China [2]. Group 3: Future Outlook - Bohai Bank plans to further develop the workstation as a key support platform for asset preservation and consumer rights protection, adhering to the principle of "finance for the people" [3]. - The bank aims to enhance its consumer rights protection capabilities by improving the mediation and complaint handling processes, contributing to financial stability and social harmony [3].

日前，渤海银行枫桥调解工作站在天津市河东区社会治安综合治理中心正式揭牌成立，标志着渤海银行 在践行新时代"枫桥经验"、构建金融纠纷多元化解机制方面迈出重要一步，是银行积极融入社会治理体 系、提升金融服务韧性、切实履行消费者权益保护责任的创新举措。 此次天津枫桥调解工作站的成立，是渤海银行全面贯彻党的二十届四中全会精神、落实中央金融工作会 议部署的具体实践。工作站将服务触点前移，及时理清问题，积极推动问题解决，有力支持消费者权益 保护工作的深入开展。 "枫桥经验"源于20世纪60年代浙江省诸暨市枫桥镇的基层社会治理实践，以其"依靠群众、预防纠纷、 化解矛盾、维护稳定"的核心理念而闻名。新时代"枫桥经验"强调将矛盾纠纷化解在基层、化解在萌芽 状态。渤海银行此次成立的调解工作站，正是将这一中国特色的基层治理智慧创造性应用于金融领域的 积极探索。 渤海银行枫桥调解工作站作为银行与地方综治中心共建的政企协作平台，充分整合了司法、行政与行业 资源，致力于为客户提供专业、公正、便捷的一站式调解服务。面对零售不良债权金额小、数量多的特 点，工作站确立了"调解优先、协商为主"的工作原则。通过这一模式，推动金融纠纷高效平和化解， ...

为深入贯彻落实国家金融监督管理总局关于加强金融消费者权益保护的工作要求，切实履行金融机构主 体责任，2025年，金美信消费金融与厦门金融纠纷调解中心进一步深化协作，共同推进公司金融消费纠 纷多元化解机制的系统化建设与专业化运作，有效提升纠纷处理质效，扎实筑牢消费者权益保护防线， 开启纠纷多元化解新实践。 动态优化，彰显金融消保人文关怀 金美信消费金融与厦门金融纠纷调解中心多次召开专题会议，围绕提升纠纷化解效率、优化客户服务体 验等议题展开深入研讨。通过系统梳理客户诉求、建立管理台账，联动各方精准施策，提供定制化解决 方案，推动服务不断迭代升级。2025年下半年，公司成功签署首份金融纠纷调解协议，标志着公司在多 元化纠纷解决机制建设方面迈出了坚实的一步。 未来，金美信消费金融将继续完善金融纠纷多元化解机制建设，致力于将金融纠纷化解在萌芽状态，解 决在问题源头。公司将以更贴心的金融服务、更扎实的消保实践，积极履行金融机构的社会责任，为营 造健康、稳定、和谐的金融环境贡献力量。 金美信消费金融立足业务实际，建立健全金融纠纷多元化解工作机制。通过实行调解权限动态授权、优 化响应及快速审批流程，确保纠纷调解工作高效顺畅 ...

Core Viewpoint - The China Securities Regulatory Commission (CSRC) and other financial authorities have issued guidelines to enhance the quality of financial dispute mediation, emphasizing the importance of non-litigation mechanisms to resolve conflicts effectively [1][8]. Group 1: Mediation Mechanism Development - The China Securities Investor Service Center (CSISC) is actively implementing the guidelines, focusing on establishing a professional and efficient mediation system to protect the rights of small and medium investors [1][2]. - As of April 2025, CSISC has helped over 20,000 small investors recover losses exceeding 4.2 billion yuan, addressing challenges related to investor rights protection [2][3]. Group 2: Nationwide Mediation Network - CSISC has developed a nationwide mediation network, collaborating with 35 local regulatory bodies to create a unified mediation framework, allowing for efficient handling of disputes across various sectors [3][4]. - By April 2025, CSISC had accepted 28,590 cases, successfully mediating 21,694 of them, with investors recovering 4.228 billion yuan, representing over 50% of the total market disputes [3][4]. Group 3: Innovative Mechanisms - CSISC has established innovative mechanisms for dispute resolution, including partnerships with local courts to enhance the mediation process, resulting in significant recoveries for investors [4][5]. - The introduction of a direct complaint-to-mediation mechanism has led to nearly 30% of cases being sourced from the 12386 complaint line, highlighting the effectiveness of integrating complaint handling with mediation [5][6]. Group 4: Standardization and Efficiency - CSISC has implemented standardized mediation procedures to ensure consistency and efficiency in handling disputes, including a comprehensive management system for the entire mediation process [7][8]. - The organization is committed to enhancing its mediation capabilities to address the increasing complexity of disputes in the capital market, aligning with national policies aimed at improving investor protection [7][8].