China Merchants Bank Nanjing Branch: Consumer Protection for the People, Upholding Our Original Mission

Originally from: Yangtze Evening News

A steadfast heart, persistent effort over time. Protecting the rights and interests of financial consumers is a field closely connected to ordinary people and the community. As Consumer Rights Day on March 15, 2026 approaches, China Merchants Bank Nanjing Branch has launched a financial education and publicity campaign, demonstrating a strong sense of responsibility and practical actions to promote financial education as the main theme. Looking back over the past year, the bank has deeply cultivated consumer protection, worked diligently, and built a “quarterly deepening, year-round coverage” consumer protection education system. It has precisely addressed the needs of different groups, tailored four quarterly themed activities, and brought financial knowledge into thousands of households, strengthening the financial consumer protection line with professionalism and warmth.

Gathering internal and external efforts, following hot topics with case-based risk education

A single thread cannot make a rope; a single tree cannot make a forest.

Consumer protection work is not a solo effort but requires concerted efforts from multiple parties. The bank has established a regular joint working mechanism internally, led by the Consumer Rights Protection and Service Supervision Center, in cooperation with the Office, Retail Financial Headquarters, Operations Management Department, and other departments. They jointly plan annual financial education directions and key tasks, and have formed a financial knowledge lecture team from core staff across departments to develop a series of financial education products.

Innovations in financial education activities continue. During the 2025 financial consumer rights protection education campaign, the bank’s branch managers led on-site financial education activities; the bank’s president, as the “Chief Consumer Rights Education and Promotion Ambassador,” visited branch lobbies to explain typical cases to consumers; nearly a hundred grassroots branch managers wore ID badges and handed out promotional leaflets to customers, answering their financial questions. In September, the bank held a “Happy ‘招’ Consumer Rights” night market event, creating an immersive consumer protection market, collaborating with police to add anti-fraud efforts, allowing citizens to learn financial knowledge while enjoying the moonlit night.

Consumer protection work must keep pace with the times and follow hot topics. The bank focuses on financial products and services that consumers care about, extracting cases related to identifying false financial advertising, preventing personal information leaks, and risks of bank account lending. Using case-based risk education through online and offline channels, the bank conveys the eight basic rights of financial consumers.

A series of solid consumer protection measures have achieved positive results. In 2025, 100% of the bank’s outlets participated in the campaign, holding nearly 500 promotional events across communities, schools, enterprises, and commercial districts. These activities reached over 4.5 million people through media coverage, effectively improving consumers’ financial literacy.

Customized financial education cases to protect key groups like the elderly and youth

Targeted and persistent.

As financial services increasingly penetrate daily life, vulnerable groups such as the elderly, teenagers, and new residents often lack sufficient financial knowledge and risk awareness, making them prime targets for financial scams. The bank has tailored consumer protection plans to enhance their “anti-fraud immunity.”

For the elderly, the bank released “Stories of Elderly Fraud Prevention,” using real cases to expose scam tactics. The publicity team visited rural areas, explaining fraud prevention through “rhyme + case analysis” methods to rural seniors.

For youth, the bank focused on issues like campus loans and excessive borrowing, providing targeted risk alerts such as “Don’t Let Your Beautiful Campus Life Be ‘Trapped’.” The bank visited over ten universities within the province to promote anti-fraud awareness, especially warning against lending or borrowing savings cards. It also participated in the Financial Education Week and College Student Financial Festival, reaching over 100,000 young people through recruitment and financial education activities.

For new residents, the bank issued risk alerts like “Canceling Insurance and Buying Financial Products: Is It a Pie or a Trap?” guiding them to make rational financial decisions. The bank also held special sessions in new resident communities, explaining practical financial knowledge such as entrepreneurship loans and mortgage applications to help them avoid financial traps.

Deepening efforts across all seasons and integrating “Five Into” initiatives to bridge the “last mile”

Focus and perseverance.

Financial education and publicity activities run throughout the year. In 2025, the bank centered on the core theme of “Protecting Rights,” with quarterly themed activities: the first quarter “With You Through the Years” focused on elderly clients; the second quarter “Lighting Up Youth” supporting young people; the third quarter “Building Dream Lives” serving the community; and the fourth quarter “Warm Homes” creating a cozy environment.

Bringing financial education into everyday life, the bank regularly promotes “Five Into” initiatives—into schools, enterprises, commercial districts, communities, and rural areas. This includes setting up mobile financial knowledge stations, hosting lectures, forums, competitions, salons, and games to educate the public.

Among these, the bank’s ongoing enterprise service activities have reached 147 companies in Jiangsu, exposing illegal financial advertising, illegal intermediaries, and “代理维权” (proxy rights protection) scams, while also analyzing typical fraud types like “Impersonating Leaders” and “Fake Investment and Wealth Management,” to enhance employees’ awareness and ability to prevent scams.

Protecting the rights and interests of financial consumers is the foundation of financial work and relates to the happiness of thousands of households and the steady development of enterprises. As another “3.15” approaches, China Merchants Bank Nanjing Branch will firmly practice the people-centered development philosophy, build on past experiences, and take the 2026 “3.15” publicity as a new starting point. With resilience in a “long-term battle,” it will safeguard every consumer’s “wallet,” ensuring healthy enterprise growth and peaceful consumer experiences.