Summary of bank consumer rights protection publicity work

Time always flies by inadvertently, and our work has come to an end. Looking back on this period, what achievements are worth sharing? Take a good look at it and write a summary of your work. How to write a work summary to maximize its effect? The following is a summary of bank consumer rights protection publicity work that I have carefully compiled for your reference. I hope it can help friends in need. Summary of Bank Consumer Rights Protection Publicity Work 1

In 20XX, our company’s consumer rights protection work was highly valued by the company’s leaders, in accordance with the arrangements and deployments at the beginning of the year, combined with the implementation of June 1, 20XX The "Food Safety Law of the People's Republic of China" strives to rectify and standardize the production process and supervision process, and strives to safeguard the legitimate rights and interests of consumers. We will also cooperate with relevant departments to work hard to produce qualified products for consumers.

1. Formulate a series of guidelines and policies to guide the quality supervision of commodities. This year, our company has formulated a series of guidelines, policies and systems in accordance with the company's production and management processes to strengthen and guide the quality supervision of goods: such as "About Zhengxing Liquor Industry's Finished Wine Quality Control and Quality Acceptance System", "Unqualified Packaging Materials" "Product Processing Process", "Production Site Processing Process for Non-Conforming Products", etc., grasp the company's quality supervision from the source, use processes to guide and deal with problems discovered during production and supervision, and safeguard the rights and interests of consumers.

2. Strengthen the employee management system and clarify rewards and punishments. Formulate the company's relevant management systems, provide relevant training to the company's employees, clarify the principles of rewards and punishments, and conduct regular assessments according to relevant requirements. In particular, the production department (Biotechnology Department) and regulatory department (Quality Control Department), which are closely related to consumers, have strengthened the training and management of employees, achieving "systems on the wall, quality first." At the same time, in accordance with the "Food Safety Law of the People's Republic of China", our company regularly organizes training on basic food knowledge and related knowledge for all employees of the company, and conducts job-related knowledge training for new employees of the company.

3. Cooperate with relevant departments to strengthen supervision of product quality. In order to ensure the quality of our company's products, in accordance with the requirements of ISO9001:20XX international quality system and other regulatory documents, we conduct strict audits on enterprise varieties and establish files for enterprise product varieties. At the same time, we effectively manage the qualifications of suppliers, and timely complete the statistics and collection of customer licenses with business transactions, ensuring the legality of the products purchased by the company. At the same time, our company cooperates with the supervisory and spot inspection work of superior departments to conduct self-examination and self-correction of the company's products to ensure that they meet management requirements. Regularly conduct random inspections of semi-finished products and finished products to resolutely prevent substandard products from flowing out of the production line. Summary of Bank Consumer Rights Protection Promotion Work 2

In order to protect the legitimate rights and interests of financial consumers, promote the healthy operation of the financial market, and maintain financial stability, xx Bank Branch has actively adopted a number of measures to conduct in-depth research on the rights and interests of financial consumers. Protect the work and ensure the effectiveness of the work. The main work is summarized as follows:

First, establish and improve the working mechanism for the protection of consumer rights and interests.

In accordance with the relevant management regulations of the superior bank and regulatory authorities, the "Management Measures for the Protection of Consumer Rights and Interests of Bank of China Branch" was formulated, clarifying that the branch channel management department shall be the leading department for the protection of consumer rights and interests of the entire bank and shall be established The Consumer Rights Protection Office is staffed by staff who are familiar with national laws, regulations and regulatory provisions and is responsible for consumer rights protection, customer complaint management and other work across the bank.

The second is to improve the transparency of financial product information.

Establish a product information query platform, publish various product query channels, truly disclose product and service characteristics, related risk points, billing standards and fee amounts; provide detailed explanations of relevant professional terms, and analyze major matters. Special reminder. Set up financial management sales areas in outlets, place risk warnings in prominent locations, and publicize consultation and reporting hotlines and complaint hotlines to facilitate consumers to understand product attributes and information and report violations.

The third is to strengthen customer information security protection.

Specify the specifications and requirements for the collection of personal information in detail, and only collect necessary information when selling financial products to effectively protect customer privacy. Unless otherwise stipulated by laws, regulations and the People's Bank of China, personal financial information will not be provided to other institutions and individuals. The personal customer information provided is only limited to the scope of cooperation, and no information beyond the scope of cooperation is provided to ensure that the information elements provided are minimized.

The fourth is to improve the customer complaint handling mechanism.

Publicize the complaint methods and contact inquiry methods in conspicuous places in each business place, formulate and improve the "Customer Complaint Management Measures", and designate the Channel Management Department (Consumer Rights Protection Office) as the leading department for complaint handling. Conduct "horizontal to edge and vertical to bottom" assessments on branches, outlets, and branch offices. For complaints transferred by regulatory authorities, forward them to relevant responsible departments and branches in a timely manner. For complaints that cannot be resolved in the short term, communicate with customers and agree on a time limit for resolution. Classify and analyze customer complaints and report them to relevant departments in a timely manner to reduce the recurrence of similar problems.

Fifth, actively carry out financial knowledge publicity and education activities.

Set up an independent public welfare financial knowledge publicity and education area in the business premises, equipped with necessary and sufficient financial knowledge publicity materials, and provide necessary convenience conditions for consumers to access; actively cooperate with and participate in the launch of regulatory authorities Various financial knowledge publicity and education activities such as 315 "Financial Consumer Rights Day", "Popularizing Financial Knowledge and Keeping the 'Pocket Bag'", "Publicizing Financial Knowledge for Thousands of Miles", "Financial Knowledge for Ten Thousands of Households" have provided consumers with Popularize financial knowledge, improve their understanding of modern finance, and help them establish a correct outlook on financial consumption and awareness of legal rights protection. Summary of Bank Consumer Rights Protection Promotion Work 3

In the first half of the year, under the correct leadership of the county bureau party group, and under the business guidance of the municipal bureau’s consumer protection department and 12315 command center, we strictly followed the requirements of the annual performance evaluation , highlight key points, strengthen responsibilities, further strengthen food safety supervision in the circulation field, actively explore the establishment of a long-term mechanism for food safety supervision, crack down on various illegal activities in accordance with the law, and create a safe and secure consumption environment for the people. The consumer protection work of our bureau from January to June is summarized as follows:

1. Strengthen leadership and clarify responsibilities

In order to further strengthen food safety supervision in the circulation field, our bureau was established A food safety supervision leading group has been established with the director as the team leader, the deputy director as the deputy team leader, and the heads of each department as members. At the same time, the responsibilities of managers and management objects are clarified, which enhances the sense of responsibility and provides institutional guarantee for the implementation of food safety supervision.

2. Carry out various tasks seriously

1. "Food circulation licenses" are issued in an orderly manner

This year, our bureau's food circulation license issuance work , continue in an orderly manner. In view of the fact that the "Hygiene Permit" previously applied for has expired one after another and the "Food Circulation Permit" needs to be applied for, we require all industrial and commercial offices to promptly inform operators so that operators can proactively apply for the "Food Circulation Permit". In the first half of this year, ***XXX households were issued "Food Circulation Permits". So far, ***XXX households have applied for Food Circulation Permits.

2. Special inspections are indispensable

In the first half of the year, we focused on the foods necessary for people’s daily lives and seasonal and festive foods, focusing on busy traffic areas and around schools , urban-rural fringe areas, and rural markets as key areas, and special law enforcement inspections will be carried out intensively. Focus on food quality supervision such as grains, edible oils, condiments, meat, aquatic products, vegetables, eggs, dairy products, dried fruits, non-staple foods, children's food, health food, alcohol and senior food, and maintain the food market and Holiday consumption safety. We have successively carried out special rectification of the food market during the "New Year's Day" and Spring Festival, crackdown on infringement of intellectual property rights and rectification of the production and sale of counterfeit and shoddy goods, inventory of problematic dairy products market, concentrated rectification of food safety during the "May Day" festival, special rectification of the food market around the school, Special inspections of the food additive market and edible oil market and other actions.

*** dispatched XXX law enforcement officers, inspected XXX households of business entities, and investigated and dealt with a total of XX cases of commodity violations with a case value of XX million yuan. XX cases were closed and fines of XX million yuan were deposited into the treasury.

3. Perseverance in food quality supervision

This year, according to the requirements of superiors, the "20XX Food Sampling Inspection and Rapid Testing Work Plan for Circulation Links" was formulated, targeting dairy products, wine, Food sampling inspection will be carried out on daily necessities closely related to the people such as rice wine, infant food, canned food, candies, fried foods, soy products, snack foods, dry goods, biscuits, preserved fruits, grain products, bottled drinking water, etc. In the first half of the year, the county bureau Organize sampling testing of XX groups, XX groups that are qualified, and XX groups that are unqualified.

4. Give full play to the role of the "12315" complaint and reporting network

In order to give full play to the role of "one conference and two stations" and make it truly a solution to consumer disputes,

A frontier for providing rights protection services. First, continue to carry out the "Five Advances" in depth and continuously improve and improve the consumer rights protection network. The second is to give full play to the role of the "12315" command center and complaint holding centers at all levels to effectively safeguard the legitimate rights and interests of consumers. Adhere to the holiday duty system, establish a complaint and reporting diary system, and promptly and quickly triage various cases. In the past six months, the "12315" command center *** has received XX complaints and reports, and has handled XX cases, saving consumers XX million yuan in economic losses. In response to the problems that were found to be very harmful and the response was relatively concentrated during the appeal and reporting process, two consumer warnings were issued in a timely manner. The third is to increase the publicity of “12315”. In order to improve the social credibility of 12315, we have cooperated with consumer committees at all levels to vigorously carry out the 3.15 themed publicity activities, handle consumer complaints in a timely manner, publish the status of consumer rights protection work, publicize the results of consumer rights protection work, and accept supervision from all walks of life. In order to celebrate the "March 15" International Consumer Rights Day in 20XX, we will conduct extensive publicity on consumer rights protection laws and regulations, and carry out various activities based on the "Consumption and Safety" theme determined by the China Consumers Association to guide consumers to enhance their awareness of protection. , our bureau carefully arranged and deployed the March 15 activities and carried out the March 15 "International Consumer Rights Protection Day" activities. The "12315" public service advertisement produced by the provincial bureau will be played on electronic billboards on main streets to carry out public welfare publicity, open a "Consumption and Safety" column, and issue consumption warnings. Hang colorful balls and banners, set up "Consumption and Safety" advertising boards, and post XX slogans and banners related to the celebration of March 15. A "Consumption and Safety" publicity event was held in XXX, the county seat. More than 20 departments including the county's industry and commerce, quality supervision, drug supervision, and tobacco departments jointly carried out publicity, consultation, complaints, and identification of counterfeit and shoddy goods display booths in the square. At the same time, XX promotional fleets were arranged to tour the main streets of the county to broadcast the "Consumer Rights and Interests Protection Law of the People's Republic of China", "Hunan Province Consumer Rights and Interests Protection Regulations" and relevant laws and regulations. On that day, XX consultation points were set up, XX copies of promotional materials were distributed, XX consultations were received, and X complaints were received. In the afternoon, people were organized to gather at a centralized location to hold on-site counterfeit selling activities. ***Destroy XXX kilograms of counterfeit and shoddy goods worth more than XX million yuan.

Although we have achieved certain results in the first half of 20XX, there is still a certain gap between the requirements of our superiors and the county bureau party group. We will continue to increase food safety supervision in the second half of the year. Effectively strengthen the supervision of commodity quality in the circulation link, continue to safeguard the legitimate rights and interests of consumers, and achieve better work results. Summary of Bank Consumer Rights Protection and Publicity Work 4

1. In terms of organizational structure

Our bank has established a consumer rights protection leading group at the head office level, with the president as the group leader to ensure effective leadership in consumer rights protection. Relevant bank leaders serve as deputy group leaders, and each The department heads are members, ensuring that consumer protection work covers all lines of the bank.

At the same time, at the end of 2014, our bank formally established a dedicated department for the protection of financial consumer rights and interests - the Consumer Rights Protection Office (referred to as the "Consumer Protection Office"). The Consumer Protection Office is a secondary department of our bank, subordinate to the Propaganda Department of the Head Office, and clearly The Consumer Protection Office has a dedicated person responsible for implementing and promoting consumer protection work, and there are two other people working part-time to assist.

2. In terms of system construction

Our bank's "Consumer Rights Protection Management Measures" cover organizational structure, operating mechanism, internal control, information disclosure, complaint acceptance, quality requirements for consumer rights protection staff, reporting system, supervision Assessment, publicity and education, emergency plans, risk identification and other aspects have been specified and clarified in detail. This method was officially issued in August 20xx. In addition, our bank has revised the "Rules of Procedure of the Board of Directors of Suining Bank" and the "Rules of Procedure of the Strategy Committee of Suining Bank" to clarify that the board of directors is responsible for the formulation, supervision and evaluation of strategies, policies, goals, etc. for the protection of consumer rights and interests. From the institutional level Ensured the implementation of fire protection work. In addition, our bank has also established the "Consumer Rights Protection Working Committee of the Board of Directors of Suining Bank" and the "Consumer Rights Protection Working Committee of Suining Bank" to clarify and standardize the leadership and implementation measures of consumer protection work from the board of directors and management respectively.

Our bank has also incorporated consumer protection into the "Five-year Development Strategic Plan of Suining Bank (20xx-20xx)" to strategically plan and standardize our bank's future protection of consumer rights. Work.

3. In terms of work process

The Consumer Protection Office of our bank participates in the development and design of new products throughout the process. During the relevant process, the Consumer Protection Office promptly makes suggestions on product designs that may harm the rights and interests of customers and requires modifications. Proper development plans provide source protection for consumer rights protection. Our bank's new product development process is specifically divided into steps such as internal application, preliminary project review, formal project approval, declaration or filing, technology research and development and testing, product handover management, marketing planning, consumer rights protection assessment, product operation monitoring and feedback. From a process perspective, the legitimate rights and interests of consumers are protected.

Customers can make complaints through our bank’s rights protection hotline 96677, Suining Municipal Government Service Hotline 12345, People’s Bank of China Financial Consumer Complaint Consultation Hotline 12363, Consumer Protection Office 0825-2223151 and other channels. In addition, the "Customer Complaint Management Measures of Suining Bank" provides detailed provisions on the identification, handling procedures and post-analysis of major complaints and general complaints. Our bank's emergency contingency plans are divided according to business types, such as "Suining Bank Financial Management Business Emergency Contingency Plan", "Suining Bank Information System Emergency Management Measures", "Suining Bank Emergency and Crisis Management Measures" 》etc., ensuring our bank’s ability to respond to emergencies in a classified manner.

4. In terms of division of responsibilities

It is clear that the Consumer Protection Office is the leading implementation department of the bank's consumer rights protection work. It is responsible for the orderly advancement of the bank's consumer protection work, participates in product research and development beforehand, and is specifically responsible for post-event supervision and evaluation, Coordination and handling of complaints; the Compliance Management Department of the head office is responsible for legal support and guarantees for consumer protection; the Credit Management Department is responsible for credit business, such as the legal terms of loan contracts that do not infringe on consumer rights; the Personal Finance Department is responsible for the protection of consumer rights and interests in personal business, and communicating with customers For docking and other work, each department of the head office has its own responsibilities and is responsible for the implementation of consumer rights protection work in this business line. All branches and branches of the bank have made it clear that the branch president will take the lead in consumer protection work, and have set up a consumer protection liaison officer to be responsible for carrying out consumer protection work within the jurisdiction of the branch.

5. In terms of constraint mechanisms

At present, our bank has formulated relevant constraint clauses in the "Management Measures for the Protection of Consumer Rights and Interests" to clarify the consumer protection responsibilities at all levels and the supervision and evaluation process as well as punishment measures; the second is the audit The department has included the protection of consumer rights and interests into the scope of annual audits, and will review and score the consumer protection work system and construction status on an annual basis to promote the standardization and continuous improvement of consumer protection work.

Six. In terms of work effectiveness

In 20xx, the bank received a total of 102 complaints, mainly off-site complaints.

Among them, 81 complaints were forwarded to the government service hotline 12345, 17 complaints were made to the customer service hotline 96677, and 4 complaints were made to 12363. The main complaint types are: social security card business, loan business, self-service equipment (including ATM, telephone banking), and services Five major aspects including quality and service attitude, and other business categories. There were 81 cases involving branch offices, 45 cases at the business department of the head office, 11 cases at Anju Branch, 6 cases at Shehong Branch, 3 cases at Pengxi Branch, 3 cases at Daying Branch, 2 cases at Ziyang Branch, and 1 case at Lezhi Branch. , 1 case from Mianyang Branch, 9 cases from 96677 call center. The remaining 17 cases were all complaints about social security cards. The reason for the complaints was the long waiting period for new social security cards and reporting the loss of new social security cards. Among all branches and branches, the head office business department accounted for as high as 45% of complaints.

In order to comprehensively improve the consumer protection awareness of the entire bank’s employees, the Consumer Protection Office of our bank purchased the “Reading Book on Consumer Rights Protection for Bank Employees” and “The Story of the Top 1000 Demonstration Units for Civilized and Standardized Services in China’s Banking Industry in 20xx” "Collection" and other consumer protection series, and distributed to all branches and departments of the head office. At the same time, all departments are required to read this content and organize employee training and learning to enhance employees' awareness of consumer rights protection and improve service quality. At the same time, our bank also combined the advantages of new media to publish consumer protection information 4 times through our bank’s official website and 15 times in total on public platforms such as Weibo and WeChat. In addition, it also promoted consumer protection information through outlet TVs, LED screens, and street points. Continue to publicize the theme of financial consumer rights protection in a variety of ways. We have printed 30,000 copies of the "Financial Consumer Rights Protection Manual" and, in addition to placing them in various outlets, we also regularly organize employees to distribute them free of charge in public places to increase the public's awareness of consumer protection. Summary of bank consumer rights protection publicity work Part 5

1. Completion of main work

(1) Improve the consumer rights protection work system.

First, the bank's customer complaint management mechanism and handling process were sorted out, and the bank's "Customer Complaint Management Measures" were revised; second, the "Consumer Rights Protection Code of Conduct" was formulated and issued to clarify It has formulated business conduct guidelines and standards that all employees of the bank must follow, providing institutional guarantees for better safeguarding the legitimate rights and interests of consumers; third, it has formulated and issued the "Contingency Plan for Consumer Rights Protection Emergencies", which has improved our Implement a consumer rights protection system.

(2) Refine the management and assessment of consumer rights protection, and optimize the product and service management and complaint handling mechanisms.

First, the "Notice on Strengthening the Management of Consumer Rights Protection" was formulated and issued, which clarified the specific work content and requirements for consumer protection; second, the Ministry of Human Resources jointly issued the "Notice on Strengthening the Management of Consumer Rights Protection" "Notice on Adding Management Posts for Consumer Rights Protection in the Retail Banking Department", which determines the organizational structure system of the three-level linkage of the general, branch and branch levels of consumer rights protection work; third, the content of consumer protection work is included in the annual branch target responsibility system In the assessment and line assessment, special assessment measures are formulated, the assessment content is detailed, and branches are assessed and evaluated on a quarterly basis; fourthly, in conjunction with the retail business inspection in the second half of the year, consumer protection work inspections are carried out, and bank-wide inspections are carried out in accordance with regulatory requirements. Self-examination of consumer protection work and submission of self-inspection report; fifth, actively communicate with the Research and Development Department to add consumer protection-related content to product innovation management measures; sixth, analyze customer complaints across the bank on a quarterly basis and report them on the office platform The whole bank will be notified online; seventh, it has independently developed the "**Bank Customer Complaint Management Platform" system to realize online circulation and systematic, process-based and standardized management of complaint handling. The system has now been officially launched and put into use. Further Improved the efficiency of handling customer complaints.

(3) Strengthen publicity and education on consumer rights protection and strengthen the awareness of consumer rights protection among employees across the bank.

First, a series of publicity and education activities were organized and carried out. In March, a special publicity campaign titled "3.15 Financial Consumer Rights Day" with the theme of "Rights, Responsibilities, and Risks" was launched.

From June to August, the special publicity activities of "Financial Knowledge Journey" with the monthly themes of "Monetary and Financial Knowledge Publicity Month", "Personal Credit Information Knowledge Publicity Month" and "Telecommunications Network Fraud Prevention Publicity Month" were continuously carried out. In September, the “Financial Knowledge into Ten Thousand Households” publicity and service month activity and the “Financial Knowledge Popularization Month” activity were carried out. During the activities, each branch continued to use various methods such as branch consultation, community publicity, school publicity, rural publicity, and media publicity to Financial knowledge promotion has been carried out through channels and achieved good results. In addition, it also actively carried out special publicity activities: to implement "financial knowledge into schools", we went to Hefei No. 8 Middle School to teach financial knowledge; we jointly organized the 2016 "Anhui Citizen Charity Culture Festival" event with Anhui Story Broadcasting to bring Consumer rights protection and the “Financial Knowledge for Ten Thousand Households” campaign were integrated to carry out public welfare publicity. Second, we organized and carried out training related to consumer protection. In May, professional teachers were invited to conduct consumer rights protection knowledge training for lobby managers and financial managers across the bank; in December, system operation training was conducted for complaint handling personnel across the bank on the newly launched "Customer Complaint Management Platform System". Through training, employees’ awareness and business skills in consumer protection work have been effectively improved.

2. Main work highlights

(1) Improve complaint management, optimize the complaint handling mechanism, and build a "customer complaint management platform" system.

In terms of institutional system, through the formulation of the "**Bank Customer Complaint Management Measures", the customer complaint management organizational structure and its responsibilities have been further clarified, the complaint handling process and mechanism have been optimized, and the focus has been on improving consumer Handling and tracking management of complaints. In terms of system construction, in order to further improve the efficiency of handling customer complaints, innovate complaint handling methods, strengthen the supervision and tracking management of complaints, and standardize the standards for handling complaints in each link, our bank independently developed the "**Bank Customer Complaint Management Platform System" , which can realize systematic, process-based and standardized management of customer complaint handling. This system has been officially put into use.

(2) Actively carry out publicity and education activities on consumer rights protection, which has been highly praised by regulatory authorities.

Under the correct leadership of the regulatory authorities, our bank organized and carried out the "Financial Knowledge into Thousands of Families" publicity and service month activity in September 2016, through centralized publicity day publicity, outlet publicity, community publicity, school Publicity, corporate publicity, rural publicity, media publicity, and "Public Welfare Cultural Festival" special publicity, etc., extensively carry out financial knowledge publicity and education to the public, effectively improving the public's financial knowledge level, and also improving the social service image of our bank, practicing I practice social responsibility. During the activity, the CBRC supervision team came to our bank for on-site supervision and fully affirmed the bank's activities.

3. Main work arrangements for 20xx

In 20xx, our department will aim to obtain excellent evaluations from the regulatory authorities, based on the assessment and evaluation methods of the regulatory authorities’ consumer rights protection work. , continue to do a good job in protecting consumer rights and interests.

(1) Strengthen the management of protecting the rights and interests of consumers of products and services.

Continue to improve the system of consumer rights protection, optimize the product and service access management mechanism, clarify the content of consumer rights protection during the product and service access approval stage through revision and improvement of the system, and further Enrich the content and form of product and service risk disclosure, and implement the principles of product sales transparency and hierarchical management.

(2) Strengthen internal assessment and supervision management.

Strengthen the internal assessment management of consumer rights protection, strictly implement assessment standards, implement assessment management for branches on a quarterly basis, and report assessment results in real time; supervise and promote the development of consumer protection work at branches, and fully Combine assessment and evaluation with supervision and inspection to promote the effective development of consumer rights protection work.

(3) Continue to handle customer complaints well.

Continue to handle customer complaints in accordance with the relevant provisions of the Complaint Management Measures and strive to improve customer satisfaction.

The first is to pay attention to customer complaints: take customer opinions and complaints fed back through various channels seriously, especially issues with relatively concentrated customer complaints, which are highly valued, find the causes from the perspective of its own management, take effective measures to rectify them, and specialize in research and formulation of corresponding measures. measures to minimize customer dissatisfaction and complaints. The second is to strengthen the notification and assessment mechanism: regularly report customer complaints, strengthen prompts, early warnings and warnings; at the same time, effectively incorporate the customer satisfaction rate and processing timeliness into the employee performance assessment system to promote the continuous improvement of service levels. The third is to do a good job in education and training: strengthen employee awareness of consumer rights protection, continuously increase employees’ attention to consumer rights protection, and improve professional quality and service levels.

(4) Publicity and Education

In accordance with the requirements of the regulatory authorities, continue to organize and carry out publicity such as "Financial Knowledge Enters Ten Thousand Households", "Financial Knowledge Enters Rural Areas, Communities, and Schools" activities; at the same time, based on the Bank, we focus on promoting public welfare and serving people's livelihood, and carry out characteristic publicity and education activities on consumer rights protection.

(5) Business Collaboration

Internally, strengthen the collaboration and cooperation of relevant business departments to promote the improvement of products and services; externally, strengthen learning and exchanges with peers and communication with regulatory authorities, learn from each other's strengths, and pioneer and innovate. , implement the working principle of "coordinated disposal".