紫金农商银行：为银发客群添“金”彩

Core Viewpoint - Zijin Rural Commercial Bank is actively implementing a comprehensive strategy to address the financial service needs of the aging population, focusing on the renovation of service points, product adaptation, and service extension for elderly clients [1] Group 1: Service Point Renovation - The bank has completed the hardware renovation of all 135 service points to meet elderly-friendly standards, ensuring that senior clients can handle financial and administrative tasks conveniently [3] - Features such as barrier-free access, elderly care zones, and dedicated service windows have been established to enhance the comfort and ease of service for older customers [2][3] - The bank has created 384 rural inclusive financial service points to provide comprehensive financial services to elderly clients without them needing to leave their villages [3] Group 2: Resource Allocation for Elderly Services - Zijin Rural Commercial Bank is directing financial resources towards pension finance, developing savings, investment, and credit products tailored to the needs of elderly clients [4] - The bank offers customized pension financial planning based on clients' age, risk preferences, and retirement goals, with over 300,000 clients aged 60 and above receiving wealth management services [4] - Loan conditions for elderly clients have been relaxed, with 1,909 clients receiving a total credit amount of 716 million yuan for consumption and mortgage loans [4] Group 3: Extension of Services for the Elderly - The bank is enhancing its pension financial service quality through professional training, volunteer services, and various community activities [5][6] - Volunteer teams have been established to provide on-site services such as haircuts, appliance repairs, and medical consultations, with over 1,000 community service events conducted [6] - The bank organizes financial literacy programs and community activities to improve elderly residents' awareness of fraud and enhance their cultural life, with nearly 500 events held [6] Future Plans - The bank aims to continue researching the financial needs of the elderly population and explore further enhancements in service quality, product development, and support for pension-related public welfare initiatives [6]