Implementing precision consumer protection and practicing serving the people with concrete actions. CBHB specifically focuses on safeguarding the five major groups to strengthen the security defense line of funds.

At present, the methods of telecommunications network fraud are accelerating iteration, with prominent features of cross-border and intelligence. In June 2026, as the nationwide banking industry popularizes financial knowledge through the "Traveling Thousands of Miles to Safeguard Financial Rights" campaign, CBHB focuses on the theme of "Guarding Financial Rights with Digital Warmth for People's Livelihood." They are making concentrated efforts from three dimensions of precise profiling, case-based risk education, and joint actions with law enforcement agencies, to systematically promote the construction of an anti-fraud system, effectively safeguarding the financial property security of the general financial consumers. Precise profiling targets educational consumer protection services towards precise guidance During the "Traveling Thousands of Miles to Safeguard Financial Rights" campaign, CBHB officially released five handbooks for the protection of financial consumer rights for five major groups, covering the elderly, youth, new immigrants, disabled persons, and active or retired military personnel. Differentiated guidelines are prepared for typical risk scenarios of each group: focusing on preventing "pension finance" scams for the elderly, school loan and gaming traps for youth, rental housing and salary card security for new immigrants, and providing guidance on barrier-free services and military-related preferential fraud for disabled persons and military personnel respectively. The handbooks have been distributed to all branches and simultaneously launched in electronic versions. The bank also released English, Japanese, and Korean versions of the "Foreigners' Guide to Protecting Financial Rights in China," focusing on high-frequency operations such as account opening, payment, and remittance, detailing procedures and risk points, and distributing them through foreign-related branches, airports, hotels, and other channels. At the same time, offline educational efforts have been made. The Shenyang branch took advantage of its proximity to the North Station to set up a rest area for passengers, upgrade its "Laborer's Harbor," provide water and charging services, and play anti-fraud videos in rotation; the Dalian branch put up posters with the theme of "Two Safeguards, Two Employees" at subway stations to emphasize personal information protection; and the Changchun branch awarded flags to the first 6 community propaganda stations at the "Wonderful Night of Financial Consumer Protection Culture" event. By establishing a multi-touchpoint layout through "branch + community," the bank is promoting education from extensive coverage to precise outreach. Case-based risk education and joint actions with law enforcement agencies intercept fraudulent activities at the front line to build a solid security barrier Typical cases are the most convincing educational materials. During the campaign, CBHB released the fourth issue of the "Practical Matters for the People" compilation of consumer rights protection cases, refining six key high-frequency keywords in different stages - "impersonating public security, justice, and legal departments," "listening to lectures for cashback," "charity projects," "investment and wealth management," "cash withdrawal tools," and "scanning QR codes," with each case accompanied by a re-enactment of the modus operandi and preventive suggestions. The compilation has been used for employee training and a "case-based risk education" long picture has been created and pushed to customers via mobile banking, WeChat public account, and enterprise WeChat among other channels. Since June, CBHB has successfully intercepted fraudulent funds in various locations through the joint actions with law enforcement agencies. The Jinjiang branch in Fujian retrospectively discovered multiple accounts opening accounts and unusual transactions, and after transferring the leads to the police, within 48 hours, they cracked down on a bulk card-opening gang and froze 3 million yuan. The Suzhou branch in Jiangsu found that customers who had opened accounts for less than a week applied to increase their limits and engaged in small trial-and-error transactions, which were immediately controlled and reported to the police, intercepting 220,000 yuan. The Shuangliu branch in Chengdu, Sichuan, noticed that a customer tried to transfer 190,000 yuan from a non-local account under a different name and immediately asked the police for help. The police confirmed that their phone was installed with fraudulent software, and after advising them against the transfer, they managed to retain the full amount. These series of achievements stem from systematic construction. CBHB has designated 2026 as the "Year of Enhancing Consumer Protection," formulating a 20-item task list covering institutional mechanisms, information protection, process control, educational effectiveness, among others. The intelligent risk control system has been iterated to the fourth generation, integrating modules such as behavioral sequences, device fingerprints, and relationship maps, enabling millisecond-level early warning and differentiated handling. According to statistics, throughout 2025, CBHB has implemented protective stop payments on 32,000 suspected victim accounts, directly saving potential losses exceeding 400 million yuan. With solid results, the bank's anti-fraud cases have won the 2026 Sina Finance Jing Shi Award for "Outstanding Financial Anti-Fraud Cases." Next, CBHB will continue to deepen the results of the "Traveling Thousands of Miles to Safeguard Financial Rights" campaign, iterate the risk control system of "early warning system + manual verification + precise control," expand the sharing of police-bank data, and embed the "case-based risk education" service into routine operations to safeguard people's financial pockets with more effective measures.