Currently, telecom and online fraud techniques are evolving rapidly, with increasingly prominent cross-border and intelligent characteristics. In June 2026, as the nationwide banking industry's Financial Literacy Promotion Campaign advanced, CBHB focused on the theme "Safeguarding Financial Rights with Digital Intelligence to Warm People's Livelihoods." The bank concentrated its efforts from three dimensions: precise profiling, case-based risk education, and police-bank collaboration, systematically advancing its anti-fraud system construction to effectively protect the property safety of financial consumers.
Precise Profiling for Targeted Education
During the Financial Literacy Promotion Campaign, CBHB officially released a Financial Consumer Rights Protection Handbook for five key demographic groups, covering the elderly, youth, new urban residents, people with disabilities, and active-duty as well as retired military personnel. The handbook provides differentiated guidance tailored to the typical risk scenarios for each group: the elderly are warned against "pension investment" scams, youth are educated on campus loans and gaming traps, new urban residents are alerted to rental and payroll card security, while guidance for people with disabilities and military personnel focuses on accessible services and military-related preferential fraud respectively. The handbook has been distributed to all bank branches, with an electronic version made available simultaneously.
The bank also concurrently released multilingual versions of the "Financial Rights Protection Guide for Foreign Nationals in China" in English, Japanese, and Korean. This guide focuses on high-frequency services such as account opening, payments, and remittances, outlining procedures and key risk points. It has been distributed to branches serving foreign clients as well as channels like airports and hotels.
Simultaneously, offline education initiatives have been actively deployed. The Shenyang Branch leveraged its proximity to the North Railway Station to establish a passenger rest area, upgrading its "Laborer's Harbor" to provide drinking water and charging services while continuously playing anti-fraud videos. The Dalian Branch placed themed posters on "Two Entities and Two Roles" at subway stations, emphasizing personal information protection. The Changchun Branch presented flags to the first batch of six community publicity stations during a "Financial Consumer Protection Culture Wonderful Night" event. Through this multi-touchpoint layout of "branches + communities," the bank is shifting its education efforts from broad coverage to precise reach.
Case-Based Education and Police Collaboration
Typical cases serve as the most persuasive teaching material. During the campaign, CBHB released the fourth edition of its "Case Compilation on Consumer Rights Protection for Serving the People." It distilled six current high-frequency fraud keywords: "impersonating public security officials," "lecture cashback schemes," "charity projects," "investment scams," "cash withdrawal mules," and "QR code scanning." Each case includes an analysis of the modus operandi and prevention advice. The compilation is used for staff training, and "case-based risk education" infographics have been created and pushed to customers via channels like the mobile banking app, WeChat official account, and corporate WeChat.
Since June, CBHB branches in multiple locations have successfully intercepted fraud-related funds by relying on police-bank collaboration mechanisms. The Jinjiang Sub-branch in Fujian identified multiple accounts with concentrated openings and abnormal transactions through retrospective checks. The clues were transferred to the police, leading to the dismantling of a batch bank card opening ring within 48 hours and the freezing of 3 million yuan in funds. The Suzhou Branch in Jiangsu noticed a client applying for a limit increase less than a week after account opening, with the account showing small-amount, rapid, trial deposits and withdrawals. The branch immediately imposed controls and alerted the police, intercepting 220,000 yuan. The Shuangliu Sub-branch in Chengdu, Sichuan, detected a 190,000 yuan transfer from a non-homonymous account in another location and immediately requested the funds be transferred out. Police officers arrived on-site and confirmed the client's phone was installed with fraud-related software. After persuasion, the client abandoned the transfer, preserving the full amount.
These series of successes stem from systematic construction. CBHB has designated 2026 as the "Year of Quality Improvement and Breakthrough in Consumer Protection," formulating a task list covering 20 areas including institutional mechanisms, information protection, process control, and education effectiveness. Its intelligent risk control system has been iterated to the fourth generation, integrating modules such as behavioral sequences, device fingerprinting, and relationship graphs, enabling millisecond-level warnings and differentiated handling. According to statistics, throughout 2025, CBHB cumulatively implemented protective payment stops on 32,000 suspected victim accounts, directly preventing potential losses exceeding 400 million yuan. Based on these solid results, the bank's anti-fraud case won the Sina Finance "Golden Stone Award" for "Outstanding Financial Anti-Fraud Case" in 2026.
Moving forward, CBHB will continue to deepen the achievements of the Financial Literacy Promotion Campaign, iterating its "system warning + manual verification + precise control" risk management system, expanding police-bank data sharing, and regularly embedding "case-based risk education" services. The bank aims to protect the public's "money bags" with more robust measures.
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