工行防城港分行：深化服务建设赋能养老金融高质量发展

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Fangchenggang Branch is actively promoting the development of local pension finance, achieving a cumulative sales amount of pension wealth management products of 97.13 million yuan by the end of August 2025, an increase of 76.09 million yuan year-on-year [1] Group 1: Pension Financial Ecosystem - The bank is implementing the national pension finance strategy by establishing a comprehensive service system called "Ruyi Life," which integrates pension planning, selected products, and services [1] - The service system offers three types of product combinations—"Anxin," "Wenyi," and "Changying"—to meet the full-cycle wealth management needs from preparation for retirement to enjoying retirement [1] - The bank has created a dedicated section in its mobile banking app for pension finance, allowing dynamic management of asset views and providing seamless integration of financial services [1] Group 2: Service Capability Enhancement - To improve the professional skills of frontline service personnel, the bank has implemented a "layered target management + dynamic empowerment support" mechanism [2] - The bank has incorporated pension wealth management sales into its assessment system, using monthly rankings and periodic rewards to motivate the team [2] - A two-level supervision network has been established to provide targeted training and support for service weaknesses, enhancing communication skills and product configuration [2] Group 3: Targeting Senior Customers - The bank employs a three-step strategy of "lock customers - explore needs - improve quality" to effectively reach senior customers [3] - It focuses on customer groups receiving salary payments and social security contributions, utilizing practical system functions for seamless pension wealth management recommendations [3] - The bank enhances its brand image of "pension + finance" through continuous promotion of business products and personalized service [3]