"从上学到现在，手里攒了5张银行卡，有的只剩几元钱，有的还有一二百元，但注销起来太麻烦了，得 带着身份证跑不同银行的柜台，来来回回跑了几趟还没办完。"北京市民陈朗(化名)的困扰，道出了众 多持有闲置银行卡用户的心声。 陈朗向《法治日报》记者介绍，他手中的银行卡分别是上学时为缴纳学费、接收生活费办理的两张卡， 以及工作后因公司业务需要办理的3张卡。随着使用需求减少，这些卡逐渐被闲置。他想集中注销这 些"休眠"卡，却发现必须本人携带身份证，分别前往各家银行的线下柜台办理，过程耗时费力。 记者采访发现，"休眠"银行卡不仅给用户带来注销困扰，还潜藏个人信息泄露、资金损耗等风险，同时 也增加了银行的账户管理成本，如何在合规前提下简化流程成为亟待解决的问题。 来源：法制日报 "休眠"银行卡注销流程烦琐 专家建议 打通流程壁垒"唤醒"用户管理责任 "除了常规注销流程，还有两类特殊情况需注意。"张先生提醒，一是无卡注销，若注销储蓄卡时卡片已 丢失或无法找到，就不能按常规流程办理，需遵循银行针对"无卡注销"的规定进行操作，如果没有特殊 情况，用户直接持身份证到柜台就能注销；除非银行有特殊要求，才需要先补卡再注销。二是已故人员 ...

长沙晚报掌上长沙11月24日讯（通讯员 张晓杭） 近日，客户覃先生专程赶到中信银行长沙东风路支 行，向工作人员表达谢意，其背后，是一场发生在11月7日、与诈骗分子赛跑的"资金保卫战"。该行凭 借精准的风控预警和快速的应急响应，成功拦截一笔利用NFC技术的境外盗刷交易，为客户避免了重大 经济损失。 交易被拦截后，故事并未结束。为何客户的银行卡会在境外被盗刷？ 经后续沟通，真相浮出水面。原来，覃先生此前遭遇了冒充"贷款人员"的精准诈骗。诈骗分子诱导他在 手机中安装了一款具备NFC读取功能的恶意APP，并借此获取了他的银行卡信息。 "诈骗分子利用这些信息，在境外复制了卡片信息并进行盗刷尝试。"支行工作人员解释道。这是一种技 术含量较高、隐蔽性强的诈骗手段，令普通消费者防不胜防。 深度服务：两天持续跟进，筑牢安全防线 拦截成功只是第一步。中信银行长沙东风路支行展现出高度的责任感，并未就此止步。考虑到客户信息 已泄露，可能面临持续风险，该行工作人员持续两天主动跟进，做了三件关键事： 事件还原：境外大额消费触发风控警报 11月7日下午，中信银行长沙分行的风控系统捕捉到一条高度可疑的交易信息。 系统显示，客户覃先生的银行卡 ...

一位焦急的新加坡籍客户在工行通化山城支行感受到了"家"的温暖，高效的业务办理和细致的延伸服务 赢得了客户亲笔英文感谢信。这背后，是中国工商银行通化分行创新优化外汇金融服务，打造区域首选 外汇银行的一个生动缩影。 日前，一位新加坡籍客户焦急地走进中国工商银行通化山城支行。他表示急需办理银行卡，但已在镇上 多家银行碰壁。网点运营主管热情接待，耐心沟通，全程未使用生硬的专业术语。在她的高效协调下， 柜员迅速为客户开立了银行卡。更让客户惊喜的是，网点还主动协助其申请并绑定了微信支付，详细指 导使用方法。客户对网点细致、耐心、高效的服务赞不绝口，称此次回乡省亲因工行的服务而倍感完 美。由于中文书写不便，他特意用英文写下表扬信，表达对工行专业、暖心服务的充分肯定与高度赞 赏。客户感慨："还是工商银行的服务专业、暖心！" 这一暖心案例正是工行通化分行致力于提升跨境服务能力、优化外籍客户体验的成果体现。面对全球产 业链重构与贸易数字化趋势，该行积极整合资源，将国际化视野与本地化服务深度融合，显著提升了外 贸金融服务的覆盖面和精准度。 为打造"域内第一外汇金融银行"，工行通化分行推出了一系列扎实举措： 便捷开户支付：所有网点均 ...

转自：新华财经 编辑：赵鼎 活动现场，中国银行宁波市分行通过设置互动游戏区、一对一咨询台、发放宣传折页等多种形式，向广大市民特别是老年群体普及银行卡安全使用、防范电 信诈骗等关键金融知识。工作人员结合养老领域常见的诈骗风险，深入剖析"刷单返利""冒充客服退款""虚假业务关闭"等典型诈骗手法，以真实案例揭露犯 罪套路，帮助群众增强识骗、防骗能力，切实守护个人财产安全。 此外，现场还围绕个人信息保护、依法维权途径等热点问题，与参与市民开展面对面交流互动。不少老年朋友表示，通过此次活动，不仅加深了对金融产品 和服务的理解，也掌握了更多应对电信诈骗的实用技巧，真正做到了"听得懂、学得会、用得上"。 未来，中国银行宁波市分行将继续加强对老年人、新市民等重点群体的金融服务覆盖，持续开展有针对性的金融知识宣教，提升公众风险防范意识，为助力 客户远离虚假宣传、非法中介、电信诈骗等侵害，贡献中行的专业力量与温度担当。（李晓） 为积极践行金融为民理念，普及金融知识、提升公众金融素养，中国银行宁波市分行持续聚焦甬城群众实际金融需求，开展常态化、暖心化的金融知识普及 服务。近日，该行开展"智慧用卡 安全支付"主题宣传活动，走进202 ...

Core Viewpoint - Postal Savings Bank of China (PSBC) experienced a decline in stock price and trading volume, indicating potential investor caution and market volatility [1] Financing Summary - On November 6, PSBC had a financing buy-in amount of 98.45 million yuan and a financing repayment of 109 million yuan, resulting in a net financing outflow of 10.52 million yuan [1] - The total financing and securities balance for PSBC reached 848 million yuan, with the current financing balance at 843 million yuan, accounting for 0.21% of the circulating market value, which is below the 20th percentile level over the past year [1] Securities Lending Summary - On November 6, PSBC repaid 170,600 shares in securities lending and sold 26,100 shares, with a selling amount of 152,700 yuan based on the closing price [1] - The remaining securities lending volume was 774,200 shares, with a balance of 4.53 million yuan, exceeding the 70th percentile level over the past year, indicating a relatively high position [1] Company Overview - PSBC, established on March 6, 2007, and listed on December 10, 2019, provides banking and related financial services in China, focusing on personal banking, corporate banking, and fund operations [2] - The revenue composition of PSBC includes 65.15% from personal banking, 22.71% from corporate banking, and 12.10% from fund operations, with other businesses contributing 0.04% [2] Financial Performance - As of September 30, PSBC reported a net profit attributable to shareholders of 76.562 billion yuan, reflecting a year-on-year growth of 0.98% [2] - The total cash dividends distributed by PSBC since its A-share listing amount to 137.796 billion yuan, with 77.395 billion yuan distributed over the past three years [3] Shareholder Information - As of September 30, 2025, the number of PSBC shareholders decreased by 13.09% to 142,600, while the average circulating shares per person increased by 15.29% to 478,570 shares [2] - Major shareholders include Hong Kong Central Clearing Limited and various ETFs, with notable reductions in their holdings compared to previous periods [3]

Core Perspective - The article highlights the interaction between a senior citizen and bank staff, emphasizing the challenges faced by the elderly in navigating modern banking systems due to hearing impairments and the importance of clear communication in such settings [1][2][3] Group 1: Customer Experience - The elderly customer demonstrates a methodical approach to banking, using a neatly folded, yellowed note to communicate his needs, reflecting a desire for clarity and order in his transactions [2][3] - The bank staff adapts to the customer's needs by using non-verbal cues to facilitate communication, showcasing the importance of empathy and understanding in customer service [3] Group 2: Communication Challenges - The article illustrates the difficulties faced by elderly individuals, particularly those with hearing impairments, in a bustling banking environment, highlighting the need for banks to consider accessibility in their services [1][2] - The use of written communication by the elderly customer serves as a bridge in overcoming auditory barriers, emphasizing the significance of alternative communication methods in customer interactions [3]

Core Viewpoint - The Guangdong Provincial Government has launched the "Enjoy Warm Winter and Travel in Guangdong" consumption season, which will run from November 1, 2025, to the end of March 2026, aiming to boost local consumption and tourism [1] Group 1: Policy Measures - The plan includes synchronized convenience measures at both provincial and municipal levels [1] - Financial institutions are encouraged to implement promotional activities for ticket purchases related to the National Games [1] - Support for diverse payment methods, including mobile payments, bank cards, and cash, is emphasized [1] Group 2: Consumer Protection - The initiative aims to streamline consumer rights protection channels, ensuring the 12345 hotline is available 24/7 [1] - There will be a focus on online dispute resolution (ODR) for consumer complaints [1] - The program promotes commitments to safe consumption and offers a no-reason return policy for offline purchases [1] Group 3: Tourism and Service Quality - The plan encourages tourism associations to issue special initiatives for quality service [1] - There is a push for the establishment of foreign currency exchange facilities in key locations such as airports, ports, and star-rated hotels [1]

Core Insights - The article highlights the increasing enthusiasm for savings among the Chinese population, with household deposits reaching 9.27 trillion yuan in the first half of 2024, indicating a strong preference for saving among citizens [1] - It discusses the dilemma faced by savers between depositing money in convenient bank cards or opting for traditional time deposits, noting that younger generations prefer bank cards while older individuals favor time deposits [1] Summary of Bank Cards - Bank cards offer convenience and efficiency, allowing users to access funds anytime through ATMs, mobile banking, and online banking, significantly enhancing the efficiency of fund usage [3][8] - The flexibility of bank cards allows users to manage their funds effectively, enabling investments in various financial products and setting up automatic transfers for bills, which is not possible with time deposits [10] - However, bank cards come with security risks, such as the potential for theft or loss of mobile devices, which can lead to unauthorized access to bank information [10] Summary of Time Deposits - Time deposits provide stable interest income, offering a secure way to lock in future earnings, especially in a declining investment environment where risks are increasing [11] - They encourage disciplined saving and financial planning, making them suitable for individuals with specific financial goals, such as saving for a home or education [11] - Time deposits are more secure than bank cards, as they require verification of identity and passwords for withdrawals, reducing the risk of unauthorized access [11][12] Limitations of Time Deposits - Time deposits have lower liquidity, meaning that early withdrawals can result in interest losses, as the interest is calculated at lower rates for early withdrawals [12] - They may also lead to opportunity costs, as funds are locked in for the duration of the deposit, preventing access to potentially better investment opportunities during that period [12]

Core Points - The article highlights a critical incident where a customer urgently needed access to funds for a medical emergency, showcasing the bank's responsive service and commitment to customer care [1][2] - The incident illustrates the bank's "Laborer’s Harbor" initiative, which extends beyond basic services to provide timely assistance in life-threatening situations, reinforcing the importance of human-centered financial services [2] Group 1: Incident Overview - A customer, Mr. Wang, faced a medical emergency when his father suffered a stroke, and he was unable to access funds due to a locked bank card [1] - The bank staff quickly initiated an emergency protocol, confirming the situation and dispatching a team to the hospital to assist with unlocking the card [1] Group 2: Service Response - The bank's team arrived at the hospital within thirty minutes and efficiently guided the elderly patient through the process of resetting his card password, successfully unlocking the funds in just ten minutes [1] - Mr. Wang expressed profound gratitude, emphasizing that the service provided was not just about unlocking a card but was a critical intervention that saved valuable time for his father's treatment [2] Group 3: Broader Implications - The incident reflects the bank's commitment to integrating financial services with human compassion, demonstrating a balance between strict financial regulations and urgent customer needs [2] - The bank's actions serve as a reminder of the essential role financial institutions play in supporting individuals during crises, reinforcing their social responsibility [2]

Core Points - The article discusses upcoming changes in banking regulations in China, effective from November 2025, which aim to simplify banking processes and enhance customer experience [3][4][5][6][10]. Group 1: Changes in Withdrawal Procedures - The optimization of the large withdrawal appointment system will allow customers to make appointments through various channels such as mobile banking apps, phone banking, and WeChat banking, rather than only in-person [4][5]. - The requirement to explain the purpose of cash withdrawals over 50,000 yuan will be simplified, with the new regulations indicating that this information will be optional [5][10]. - The daily withdrawal limit at ATMs will increase from 20,000 yuan to 30,000 yuan, enhancing convenience for customers [6][8]. Group 2: Credit Card and Fee Adjustments - Credit card functionalities will be upgraded, allowing for better integration with third-party payment wallets while maintaining cross-border transaction capabilities [8][9]. - The elimination of intercity withdrawal fees will provide significant savings for customers, with an estimated 6.7 billion yuan in fees collected in 2024 [10][12]. Group 3: Customer Feedback and Industry Response - Public sentiment regarding the new regulations is largely positive, with approximately 70% of online discussions reflecting approval for the changes [12][13]. - Banks are preparing for the implementation of these new regulations by updating systems and training staff to ensure smooth transitions [16][18].