The outbreak of cold finance has a temperature, the postal service of the North Branch is protecting the rights and interests of financial consumers in action

The outbreak of cold finance has a temperature, the postal service of the North Branch is protecting the rights and interests of financial consumers in action
How far are you from financial fraud?The 65-year-old Zhuge lives in Beijing. Before March 15 this year, he really realized what was meant by “one finger”.Two days ago, the old man of Zhuge went to Huichengmen Sub-branch of Beijing Branch of China Postal Savings Bank (hereinafter referred to as the “North Branch of Postal Savings”) to plan a 10 million transfer business.Originally, the old man felt that he could move home with his finger and click on the password in front of the bank counter.If he presses his finger like this, it may be a “property disaster” for the elderly.The payee is “Chen”, but the old man’s transfer at the outlet the day before the exchange has been returned to his account, requesting another 100,000 yuan transfer business, the payee changed to “He Mou”.At this time, the business director of Huichengmen Sub-branch discovered the problem and highly suspected that the remittance of the elderly was a telecommunication fraud.After inquiry, it was found that the old man’s unsuccessful transfer the previous day was not a system return. It was actually that “Chen Mou” received the coin and transferred it to the customer using online banking.The sales manager found the doubt and patiently persuaded the elderly to stop the remittance and warned of the risk.In the end, the Postal Branch North Branch Chengmen Sub-branch learned that the old man downloaded the APP of an investment company through the Internet. This remittance was for the purchase of financial products, and the company’s staff also provided the old man with the words to respond to bank queries.The employees of the Post Office Beifen help customers redeem wealth management products through the APP, and immediately report to the police to avoid property losses for the customers.The epidemic is urgent. In addition to giving a warm reminder, the Beijing Branch of the Postal Savings Bank adheres to the responsibility of defending the soil, the responsibility of the soil, and the responsibility of the soil.Smooth access to complaint channels and proper handling of reasonable appeals. 2020 is the key year to prevent and resolve major financial risks.Based on the work deployment of the regulatory agency, the North Branch of the Postal Savings Bureau has continuously revised and improved the financial consumer rights protection system from the aspects of service management, venue management, security protection, and emergency handling, and gradually realized social responsibility to provide customers with betterFinancial services, opening up the “last mile” of inclusive financial services.Initiated a rapid response and handling mechanism for customer complaints during the epidemic. Financial consumer rights protection staff are on duty daily, real-time online, customer complaints are handled immediately, quick circulation, branch branch linkage, limited time handling, consultation complaint hotline timely docking, follow-upHandle to ensure that the customer’s related requests are quickly responded to and effectively resolved.Increase financial support to launch ten service commitments to the outside world. First, do a good job in fund payment and settlement services.Cooperate with the allocation and transfer of budgetary financial funds and various epidemic fund funds and other financial special funds to provide emergency financial services such as emergency cash withdrawal and fund transfer for government agencies, key medical institutions, and related enterprises.Fast and efficient processing to ensure that funds arrive in time.The second is to do well in financial services at outlets.Reasonably arrange business outlets and business hours, do shift duty well, and ensure the stable operation of basic financial services and key infrastructure.Effectively strengthen the cleaning and disinfection and basic protection work of business outlets, and do a good job in the business outlets for medical masks, hand sanitizer, disinfectant, body temperature testers and other material protection for epidemic prevention.Increase the cash payment to ensure sufficient cash supply at business outlets and self-service equipment.The third is to increase the strength of online financial services.Guide customers to use e-banking, mobile banking and other electronic channels for financial services, open fast payment, mobile phone number cross-bank transfer and other functions, and make full use of online customer service platforms such as postal canteens to meet the financial services of people in epidemic areas without leaving homeDemand and derivative demand.Fourth, strengthen credit support for epidemic prevention and control.Increase credit support to relevant hospitals, medical research institutes and enterprises, actively meet the financing needs of health and epidemic prevention, pharmaceutical product manufacturing and procurement, public health infrastructure construction, scientific research, etc., and protect drugs and medical equipment in epidemic areasThe requested supply.The fifth is to provide financial services for the trapped enterprises.For industries and enterprises affected by the infected situation, do not blindly draw loans, break loans, suppress loans, take one household, one strategy, through credit restructuring, loan extension, reduce overdue fees, make advance loan renewal arrangements, and increase credit loansAnd medium and long-term loans, reduce the comprehensive cost of loans, and timely implement risk mitigation and other methods to support related companies to overcome the impact of epidemic disasters.Sixth, open up green channels for financial services.For credit approval projects involving epidemic situations, it is included in the head office’s request to open green approval channels to speed up business processing.Actively cooperate with domestic and foreign financial donation financial services, provide international remittance fast-track services for related business involving imported materials for epidemic prevention and control, and give priority to cross-border settlement and foreign exchange settlement and sales in epidemic areas.Seventh, implement differentiated credit policies for individuals affected by the epidemic.For medical staff participating in epidemic prevention and control, government workers, new coronavirus pneumonia and isolation personnel, due to the inconvenience of repayment during the epidemic, they will not ignore the breach of contract, and will not enter the list of breaching customers.Provide credit recovery.For those who temporarily lose their income sources due to the epidemic situation, timely adjust the housing mortgage, credit card and other personal credit repayment arrangements, and reasonably postpone the repayment period.Eighth, strengthen financial services related to the prevention and control of epidemics in rural areas.We will vigorously develop rapid loan and E-fast loan, strengthen the rate of agricultural loans in epidemic areas, and fully support the production of agricultural and sideline products in the epidemic areas and the supply of agricultural materials for spring cultivation.Give full play to the advantages of the Postal Savings Bank network, and do a good job of basic financial services for farmers in the epidemic area.Use the outlets to be close to the countryside and the characteristics of the farmers, strengthen the popularization of epidemic prevention and control science propaganda, and help grass-roots organizations to propagate policies to prevent and control the epidemic.Nine is to provide related fee reduction and exemption support.During the fight against the epidemic, units and individuals make donations to the special accounts for epidemic prevention in Hubei and other epidemic areas through the Postal Savings Bank or special donations for epidemic prevention, free of remittance handling fees and electronic remittance fees.Ten is to cooperate with local governments to prevent and control the epidemic situation.Obey the relevant state departments, local government unified command arrangements, cooperate with government departments to strengthen public opinion guidance, and increase awareness of prevention and control.Cooperate with health and epidemic prevention departments to do epidemic situation monitoring, investigation, early warning and other work, and effectively achieve early detection, early reporting, early isolation, and early treatment.Strengthen the prevention and management of employees’ heart disease prevention, strictly implement the “daily report, zero report” system for epidemic prevention and control, and carry out relevant financial services under the replacement of self-protection.Non-contact services fully help the epidemic prevention and control of the Postal Savings Bank Beijing Branch to continuously optimize and enrich the “non-contact service” channels and scenarios, and increase the resource consumption and optimization of self-service channels such as online banking, mobile banking, and WeChat bankingFinancial consumers can enjoy one-stop “financial + life” one-stop service without leaving home during the epidemic.It is understood that after the outbreak, the Beijing Branch of the Postal Savings Bank quickly established an Internet security team to recruit volunteers for the whole bank. A group of members of the “commercial technology integration” party group gathered together, using the Internet + financial service thinking, relying onThe wide range of WeChat audiences actively guide customers to prefer to use electronic channels or self-service equipment for business.Through the series of WeChat tweets that warm the heart and warm people, we convey love to customers.Including the promotion of knowledge about how to protect at home, how to protect at work, as well as carrying out preferential activities such as the Postal Savings-JD New Year Festival, preferential purchases of the Postal Savings Canteen, etc., to provide customers with a full range of services.During the epidemic, the Postal Savings Bank Beijing Branch encouraged customers to handle banking business at home, reducing the frequency of going out. While expanding the promotion of its online business processing channels, it also offered full discounts.- Postal Savings Bank Beijing Branch announced that from 2020From January 27 to April 30, all mobile banking transaction fees will be waived, and individual online banking transactions will be waived for individual transaction amounts below 50,000 yuan (inclusive).Innovative propaganda forms Consumer Protection Lectures went into the Beijing Branch of thousands of Postal Savings Banks to make full use of the radiation effects of the Internet and self-media positions, in the form of micro-classes, short videos, similar, etc., combined with the actual needs of the public during the epidemic.Focused on carrying out financial knowledge publicity activities during the “3.15” period, which involves financial knowledge such as suspected criminal fraud, telecommunications fraud, personal financial information protection, etc., helping financial consumers to enhance their awareness of risk responsibility and security precautions, and strengthen their winThe confidence and determination to prevent and control the outbreak.疫情期间,邮储北分精心策划“消保‘邮’我金融知识讲堂”之《紧急提示:警惕新型肺炎疫情诈骗》、《警惕身边的非法集资》、《消保“邮”我|3·15 lecture halls, beware of bank card theft and fraud, and other series of tweets, the original short video “Financial Knowledge Small Class” series, using alternative comics, answering questions and other forms, the scene presents the “protective material procurement during the outbreak””Scams such as” Secure Formula for Strengthening Body “are called personal information security protection, payment security, and reasonable financial management. They can convert nearly 20,000 clicks, and have extensive financial knowledge for consumers.It is understood that the Post Branch North Branch has prepared detailed supplementary publicity and education work, plans to carry out a number of consumer rights protection theme education activities, continue to carry out online publicity and education activities, open up the “last mile” of inclusive financial services, will financeKnowledge is sent to thousands of households.Sauna, Ye Zhe Editor Xu Li proofreading Chen Yan He Yan