浦发银行总法律顾问崔炳文：在行内设立四级调解机制，解决零售客户还款难

金融一线03-31

3月31日金融一线消息，浦发银行今日召开2025年度业绩说明会。浦发银行副行长、总法律顾问崔炳文谈到了零售业务中，针对客户还款难、还款压力大，浦发银行的新打法。　　崔炳文提到：过去，零售信贷特别是零售按揭业务，一直是银行的压舱石业务。但近几年，随着疫情后业务的影响和经济下行，很多客户收入下降，出现了一批客户还款压力增大。虽然这些客户还款意愿非常强烈，还款压力只是暂时的，我们称之为暂时失能，但不...

网页链接

免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

精彩评论

我们需要你的真知灼见来填补这片空白

发表看法

{"i18n":{"language":"zh_CN"},"isChannel":false,"data":{"share":"https://www.laohu8.com/m/news/2623730478?lang=zh_CN&edition=full","thumbnail":"","is_english":false,"pubTime":"2026-03-31 16:52","share_image_url":"https://static.laohu8.com/b0d1b7e8843deea78cc308b15114de44","id":"2623730478","market":"hk","top_or_hot":-1,"title":"浦发银行总法律顾问崔炳文：在行内设立四级调解机制，解决零售客户还款难","media":"金融一线","content":"<div>\n<p>3月31日金融一线消息，浦发银行今日召开2025年度业绩说明会。浦发银行副行长、总法律顾问崔炳文谈到了零售业务中，针对客户还款难、还款压力大，浦发银行的新打法。\n　　崔炳文提到：过去，零售信贷特别是零售按揭业务，一直是银行的压舱石业务。但近几年，随着疫情后业务的影响和经济下行，很多客户收入下降，出现了一批客户还款压力增大。虽然这些客户还款意愿非常强烈，还款压力只是暂时的，我们称之为暂时失能，但不...</p>\n\n<a href=\"https://finance.sina.com.cn/jryx/bank/2026-03-31/doc-inhswpms3279769.shtml\">网页链接</a>\n\n</div>\n","source":"sina","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>浦发银行总法律顾问崔炳文：在行内设立四级调解机制，解决零售客户还款难</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n浦发银行总法律顾问崔炳文：在行内设立四级调解机制，解决零售客户还款难\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-03-31 16:52 北京时间&nbsp;&nbsp;&nbsp;<a href=https://finance.sina.com.cn/jryx/bank/2026-03-31/doc-inhswpms3279769.shtml><strong>金融一线</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>3月31日金融一线消息，浦发银行今日召开2025年度业绩说明会。浦发银行副行长、总法律顾问崔炳文谈到了零售业务中，针对客户还款难、还款压力大，浦发银行的新打法。\n　　崔炳文提到：过去，零售信贷特别是零售按揭业务，一直是银行的压舱石业务。但近几年，随着疫情后业务的影响和经济下行，很多客户收入下降，出现了一批客户还款压力增大。虽然这些客户还款意愿非常强烈，还款压力只是暂时的，我们称之为暂时失能，但不...</p>\n\n<a href=\"https://finance.sina.com.cn/jryx/bank/2026-03-31/doc-inhswpms3279769.shtml\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK0188","symbol_name":"融资融券","start_time":0,"source_url":"https://finance.sina.com.cn/jryx/bank/2026-03-31/doc-inhswpms3279769.shtml","article_id":"2623730478","we_media_id":null,"thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2623730478","pubTimestamp":1774947120,"columns":[],"sourceInfo":{"source_id":"sina","name":"sina"},"weMediaInfo":null,"summary":"3月31日金融一线消息，浦发银行今日召开2025年度业绩说明会。浦发银行副行长、总法律顾问崔炳文谈到了零售业务中，针对客户还款难、还款压力大，浦发银行的新打法。　　他介绍到，目前浦发银行在行内设立了四级调解机制：第一步是催收阶段与客户协商，帮助客户根据还款能力重新规划还款计划。如果协商不成功，进入行内调解工作室，进一步为客户提出更好的还款计划。第四步，进入法院调解。","collect":0,"end_time":0,"defaultTopTitle":"sina.com.cn","property":[],"viewcount":null,"language":"zh","relate_stocks":{"600000":"浦发银行","BK0188":"融资融券","LU1979443071.USD":"AB CHINA A SHARES EQUITY PORTFOLIO \"AD\" (USDHDG) INC","BK0012":"证金概念","SGXZ81163826.USD":"UNITED CHINA A-SHARES INNOVATION \"A\" (USD) ACC","LU1808992512.USD":"AB ALL CHINA EQUITY PORTFOLIO \"A\" (USD) ACC","BK0187":"一线龙头","BK0015":"沪股通50","SGXZ49509284.SGD":"United China A Shares Innovation A Acc SGD","BK0278":"货币金融","BK0028":"国家队","LU0469268626.HKD":"AB FCP I-ASIA EX JAPAN EQUITY PTF(AD","BK0086":"举牌","BK0201":"可转债","BK0183":"MSCI概念","LU1934453819.USD":"AB CHINA A SHARES EQUITY PORTFOLIO \"A\" (USD) ACC"},"translate_title":"Cui Bingwen, General Counsel of Shanghai Pudong Development Bank: Set up a four-level mediation mechanism in the bank to solve the repayment difficulties of retail customers","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"600000":1.5},"content_text":"3月31日金融一线消息，浦发银行今日召开2025年度业绩说明会。浦发银行副行长、总法律顾问崔炳文谈到了零售业务中，针对客户还款难、还款压力大，浦发银行的新打法。\n　　崔炳文提到：过去，零售信贷特别是零售按揭业务，一直是银行的压舱石业务。但近几年，随着疫情后业务的影响和经济下行，很多客户收入下降，出现了一批客户还款压力增大。虽然这些客户还款意愿非常强烈，还款压力只是暂时的，我们称之为暂时失能，但不失信，要帮助他们度过经济周期。\n　　他介绍到，目前浦发银行在行内设立了四级调解机制：第一步是催收阶段与客户协商，帮助客户根据还款能力重新规划还款计划。如果协商不成功，进入行内调解工作室，进一步为客户提出更好的还款计划。第三步，进入社会调解阶段。第四步，进入法院调解。\n　　通过这四级调解机制，能更好地满足客户出现还款困难、还款压力后的解决方案需求。他指出，从2025年8月份开始，在10家分行进行试点。试点4个月后，我们对1.2万个客户、140亿贷款进行了调解。\n\n\n海量资讯、精准解读，尽在新浪财经APP\n\n责任编辑：王馨茹","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"tenantId":"TBCN","deviceId":"web-server-community-laohu8-v3","version":"4.42.0","shortVersion":"4.42.0","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2623730478","isCrawlerRequest":true}