首页风水知识重构信任：圣都资金存管，家装行业新范式

重构信任：圣都资金存管，家装行业新范式

来源：福禄装修家居时间：2026年01月06日 11:02

Transforming Trust in Home Renovation

In 2025, Ms. Zhang from Guangzhou embarked on her second home renovation journey. This time, her experience was entirely different from the previous one, which was fraught with "mid-project additions" and "粗糙 craftsmanship." This time, the project brought her unprecedented peace of mind. Once the water and electricity transformation was completed and passed the inspection, the corresponding funds were only released to the contractor by the bank system; if the wall leveling was not up to standard, she had the right to refuse payment until the整改 was satisfactory. On December 27, 2025, at the "Because Satisfied, We Gather" thank-you event co-hosted by Shangdu Decoration and Sina Home, Ms. Zhang's story became a vivid illustration of the reshaping of trust in the Guangzhou home improvement industry.

Since its trial operation on August 8, 2025, and formal launch on August 15, Shangdu Decoration, in collaboration with China CITIC Bank, has pioneeringly implemented a fund escrow model. This "half-year practice" centered around "institutional innovation" is becoming a fulcrum for industry change. Data shows that in the Guangzhou region, over 92% of new customers actively choose this service, and the success rate of fund release at all inspection nodes reaches 100%. Behind these numbers lies a core question: how does fund escrow evolve from a financial tool to a key mechanism for reshaping industry trust and ensuring the quality of "good homes"?

Understanding Fund Escrow: Building a Rigid Guarantee for "Good Homes"

The reason why the fund escrow model can act as a "converter of trust" lies in the construction of a rigid quality guarantee system that connects each link, transforming the abstract promise of "good homes" into executable and verifiable specific actions.

Firstly, technology is the foundation, enabling "non-standard" projects to achieve "standardized" management. Relying on the digital capabilities of贝壳集团, Shangdu Decoration has decomposed the complex renovation process into key nodes such as water and electricity, masonry, and painting, and embedded them into an online system. Owners can real-time query the fund flow and unfreezing status through the official channel of China CITIC Bank, just like tracking express logistics. Every process standard is visualized, and every material information is traceable, fundamentally breaking the information black box.

Secondly, the process is the core, forming a rigid constraint closed loop of "funds following quality." This is the most fundamental revolution of the model. The logic of "payment first, construction later" in the traditional model has been completely reversed. The renovation funds are deposited into a separate account in the bank, and their payment is strictly linked to the "double-party acceptance" results of each key node. When the quality is up to standard, the funds are unfrozen; when the quality is not up to standard, the funds are retained. This forms a self-reinforcing positive cycle, and is paired with the "14815" response mechanism (1-hour response, 48 hours to provide a solution, 15 days to close the loop), ensuring efficient problem handling and aligning the economic interests of the enterprise with the quality demands of the customer.

Lastly, capability is the threshold, screening the home improvement enterprises for "quality delivery." The fund escrow model sets up three hidden high thresholds: sufficient financial strength to cope with a longer payment cycle, mature digital systems to achieve fine management, and excellent standardized site delivery capabilities to ensure a high pass rate. This mechanism acts as a filter, keeping enterprises that still rely on prepayment cash flow and extensive management at the door, and objectively screens and empowers those high-quality enterprises that truly have the long-term delivery capabilities of "good homes."

Market Data Validates, Revealing Dual Changes in Industry Supply and Demand

The innovation of the system has quickly triggered a chain reaction of changes in market supply and demand behavior. Market data provides the most direct feedback: from August 8 to December 26, in just over four months, the system has attracted 55 customer sign-ups solely through store consultations and word-of-mouth from existing customers, with the scale of escrow funds approaching 8 million yuan, proving the urgent demand for "peace of mind renovation." By the end of December, nearly a thousand homeowners in the Guangzhou region have opened the fund escrow service, with the total amount of actual collected escrow funds exceeding 100 million yuan, and the penetration rate of fund escrow reaching 93%.

On the enterprise side, a revolution in business philosophy is taking place from "collection-oriented" to "delivery-oriented." Taking Shangdu Decoration as an example, fund escrow forces the company to prioritize design and delivery guarantee work. As Liu Kang, the regional director of Yuexiu in Guangzhou, said, "Now, our designers and project managers must communicate all needs and potential problems in the measurement and design stage, because any rework at a later stage directly affects the payment efficiency." The core focus of the enterprise has shifted from how to quickly sign and collect payment to how to systematically ensure a successful delivery.

In the ecological side, a benign collaborative circle with "quality guarantee" at its core is taking shape. From a legal perspective, third-party fund escrow clarifies the ownership of funds, significantly reducing extreme disputes caused by fund misappropriation and running away. From a supply chain perspective, standardized and node-by-node payment of renovation funds ensures that renovation funds can be timely and adequately paid to material suppliers, ensuring the stable supply of genuine materials from the source and forming a quality positive cycle of "good funds - good materials - good craftsmanship."

Real Challenges Highlight, Moving Towards the "Quality Era" with Double Chasms

Although the model has a promising future, its full implementation still faces practical challenges, which are both dilemmas and directions for industry evolution.

For enterprises, the biggest pressure comes from the dual challenges of cash flow and refined management capabilities. Losing the "buffer pool" of large prepayments, enterprises must have stronger self-owned financial strength and operational efficiency to smooth the construction period. At the same time, transforming the past "rule by man" dependent on foreman experience into "rule by law" dependent on standards and data is a comprehensive challenge to the enterprise's organizational structure, talent training, and system construction. Many small and medium-sized home improvement enterprises are trapped in the gap between "recognizing the concept" and "powerless to transform."

For consumers, the core obstacle lies in making decisions based on the comparison of product prices when buying services. Renovation is a long-cycle, multi-node complex service delivery, with the largest cost often arising from the uncontrollable process. Fund escrow essentially transforms the uncontrollable service process into standardized delivery confirmed at each node, but this value needs consumers to understand from the perspective of "process risk management" by stepping out of simple price comparison. How to cross this cognitive threshold and effectively transmit the value of "good homes" is an important issue facing the promotion of the model.

Prospects for Model Development, Threefold Evolution of the "Good Homes" Supply Ecosystem

Looking forward, the fund escrow model is expected to evolve along a clear path, promoting the overall upgrading of the industry ecosystem. In fact, its leading effect has already emerged: at the national level, the service has been landed in 43 cities, providing protection for more than 30,000 households, with an escrow coverage rate of 92% and a 99% 7-day unfreezing rate. In the short term, the model will complete the expansion from "point" to "surface." With the successful verification in cities like Guangzhou, the model will rapidly penetrate into second and third-tier cities. At the same time, more financial institutions will join, providing more flexible and diverse escrow products to meet the needs of different consumer levels.

In the medium term, fund escrow may become the standard for quality guarantee in the renovation industry. When quality consumption becomes the mainstream, whether to provide fund escrow protection will become the core criterion for consumers to screen reliable home improvement enterprises. This will force the entire industry to allocate resources to process research and development, talent training, and process optimization, driving the overall quality level of the industry to rise.

In the long term, its ultimate vision is to drive the profound transformation of the industry role from "construction party" to "quality service provider." The core of industry competition will no longer be simple space transformation, but a comprehensive solution covering design, construction, quality guarantee, and after-sales services. A healthy ecosystem based on trust, with quality as currency, and with survival of the fittest will be built.

Reconstruction of Industrial Paradigm, the Question of Collaboration and Balance Behind the Quality Revolution

The "Shangdu Decoration Practice" of the fund escrow model provides the home improvement industry with a precious model of transformation. In its journey towards a broader horizon, two deep-seated issues are worth paying attention to.

Firstly, how can the responsibility collaboration mechanism be deepened? The fund escrow builds a three-party balance framework of "banks managing funds, customers managing acceptance, and enterprises managing construction." However, to form a joint force to ensure the quality of "good homes," the three parties need to go beyond simple balance and move towards in-depth collaboration. For example, can banks develop more accurate credit products based on delivery data? Can enterprises feed back acceptance data to supply chain optimization? This requires a more open ecological thinking.

Secondly, how can policy find a balance between regulation and innovation? Fund escrow is essentially a market-driven innovation. In the future, the industry may expect more guiding regulations to be issued, such as establishing basic standards for "renovation fund management." However, how to maintain the bottom line of fund safety while not over-interfering and扼杀 the service innovation and differentiated competition space of enterprises will test the wisdom of regulation. The goal should be to encourage more "Shangdu" to emerge and collectively expand the supply pool of "good homes."

Shangdu Decoration's "half-year exam" proves that the reconstruction of trust is not far away. When the design of the system allows the good coins to drive out the bad coins, and when market choices reward those who are committed to good service, the home improvement industry will truly have a solid foundation to move away from the "blind box" era and towards a new stage of "quality expectations and trustable." This is not only the hearts' desire of Ms. Zhangs, but also the only way for an industry to win dignity.

重构信任：圣都资金存管，家装行业新范式

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