立足厅堂，筑牢网点阵地。该行充分利用网点物理空间，在大厅醒目位置张贴宣传海报，并在填单台、 自助设备区等客户动线区域规范陈列宣传折页，营造浓厚氛围。尤其聚焦到店办理业务的老年客户、学 生等易受骗群体，实施精准宣导。工作人员通过耐心细致的面对面讲解、发放宣传资料，透彻剖析非法 金融活动的本质、常见伎俩与严重危害，反复叮嘱客户及其家人务必提高警惕，理性辨别各类"高收 益"陷阱。同时，积极引导客户通过银行等正规金融机构进行储蓄、理财等资产配置，从源头守护好"钱 袋子"。 主动延伸，深化社区联动。该行主动"走出去"，组织员工深入周边社区开展集中宣传。创新结合社区活 动场景，如在社区运动会现场设立金融安全咨询台，分发宣传折页，并现场答疑解惑，普及金融知识。 已开展集中宣传活动2场，覆盖群众90余人次，反响良好。此外，积极联动周边合作商户，在其经营场 所常态化摆放宣传折页，进一步织密宣传网络，扩大覆盖范围。 南通开发区支行营业室将持续履行社会责任，加大宣传力度，创新宣传方式，以实际行动践行金融为民 的初心，为守护辖区金融安全、保障人民群众度过一个平安祥和的春节贡献力量。尹天容 岁末年初，各类金融案件进入高发期。为切实保障 ...

Core Viewpoint - The company is committed to enhancing financial services for elderly clients, addressing their specific needs and ensuring they benefit from financial development [1][2][3] Group 1: Service Enhancements - The bank has upgraded hardware facilities to cater to elderly clients, including providing reading glasses and magnifying glasses to assist with document reading [1] - Safety measures have been implemented, such as non-slip flooring and handrails, to ensure a secure environment for elderly customers [1] Group 2: Service Process Optimization - A dedicated "Love Window" has been established to reduce waiting times for elderly clients, with staff trained to provide "three slow services"—slower speech, detailed explanations, and longer waiting times [2] - A green channel for special elderly clients, including those who are bedridden or live alone, has been introduced to offer home service, allowing them to access financial services without leaving their homes [2] Group 3: Financial Education and Awareness - The bank has set up a financial knowledge promotion corner in the waiting area, featuring large-font posters and easy-to-read materials on topics like fraud prevention and financial product understanding [2] - Staff actively educate elderly clients on common scams and protective measures, enhancing their awareness and self-protection capabilities [2] Group 4: Future Commitment - The bank plans to continuously optimize services for elderly clients, focusing on hardware upgrades and enhancing the service team's capabilities to better meet the needs of this demographic [3] - The goal is to ensure elderly clients experience convenience in financial services while feeling the warmth and responsibility of the bank, ultimately achieving a state of well-being for the elderly [3]

Core Insights - The Industrial and Commercial Bank of China (ICBC) is enhancing its services for elderly clients by focusing on tailored financial solutions and improved accessibility [1][2] Group 1: Service Enhancements - ICBC's Nantong Matang branch has created an elderly-friendly service area, featuring barrier-free access, dedicated service windows, and specialized seating for senior clients [1] - The branch has upgraded its hardware to include large-print mobile banking options and essential items like reading glasses and first aid kits in service boxes [1] - Personalized assistance is provided through one-on-one guidance from lobby managers to help elderly clients navigate digital banking [1] Group 2: Financial Product Offerings - The branch promotes conservative pension investment products and personal pension account services, offering customized asset allocation based on the risk preferences of elderly clients [1] - A "green channel" for pension disbursement has been established to ensure timely monthly payments for retired employees, along with value-added services like account change notifications [1] Group 3: Community Outreach and Education - ICBC has formed a senior service team to provide home visits for elderly clients, assisting with tasks such as social security card activation and password resets, with over 30 home visits conducted [2] - The bank extends its services to rural areas through partnerships with local financial service points, facilitating social security inquiries and pension withdrawals at clients' doorsteps [2] - Regular community education initiatives are held to raise awareness about financial fraud and investment risks, distributing over 80 elder-friendly informational brochures [2]

Core Viewpoint - The article highlights a heartwarming incident where a bank's staff successfully assisted a customer in recovering 6000 yuan mistakenly transferred to the wrong account, showcasing the importance of customer service in the banking industry [1][2]. Group 1: Incident Overview - A customer, Ms. Zhang, accidentally transferred 6000 yuan to a stranger's account due to an ATM error and sought help from the bank [1]. - The bank staff faced challenges in contacting the recipient, Mr. Wang, who initially suspected a scam and was reluctant to cooperate [1]. Group 2: Resolution Process - After multiple attempts, the bank staff managed to convince Mr. Wang of their legitimacy by providing official information and involving his employer in the communication [1][2]. - Mr. Wang eventually visited the bank, confirmed the presence of the funds in his dormant account, and returned the cash to Ms. Zhang [2]. Group 3: Customer Service Value - The incident illustrates the dedication of bank employees who persistently worked to resolve the issue, emphasizing the significance of customer-centric service in the financial sector [2]. - The successful resolution not only relieved Ms. Zhang but also reinforced the bank's commitment to "finance for the people," turning a routine service into a meaningful experience [2].

工资卡发放完成后，该行工作人员趁热打铁，结合制造业工人群体特点，在现场开展了一场"工场版"反 诈知识宣讲。通过剖析当前高发的网络刷单、冒充老板指令转账、网络贷款诈骗等骗局，并以真实案例 为教材，用通俗易懂的语言讲解识别技巧和防范要点。工作人员特别提醒工人们警惕"高薪兼职"、"轻 松贷款"等诱饵陷阱，并发放了反诈宣传折页。这场深入浅出、贴近实际的宣讲，将反诈意识根植于工 人心中，在企业内部织牢织密了金融安全的防护网。 当一张张崭新的工资卡交到工人手中时，许多人脸上都露出了安心的笑容。一位中年工人摩挲着卡片感 叹道："这下踏实了，工资发放清清楚楚，骗子的套路也摸清了门道，既省心又放心！"刘沁沁 考虑到制造业企业生产节奏紧张，一线员工轮班作业，请假外出办卡困难重重，该行精心组织服务团 队，携带专业设备深入企业。他们在工人休息区迅速搭建起高效便捷的"一站式"开卡通道。员工们利用 工歇间隙，即可前来办理。银行工作人员全程耐心细致指导填单、核验信息、采集影像、现场激活，确 保每张工资卡即办即用，让员工真切感受到"金融就在身边"的便利。企业财务负责人对此深有感 触："过去员工办工资卡，请假奔波费时费力。工行这次上门服务，真 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Nantong Nanchuan Garden Branch is enhancing its services for elderly clients during the winter season by creating a "senior-friendly" banking environment, focusing on comfort, convenience, and proactive support [1][2][3] Group 1: Hardware Comfort Upgrades - The branch has prioritized physical environment improvements, such as installing anti-slip mats and clear signage at entrances to ensure safety for elderly clients [1] - The lobby features a temperature-controlled air conditioning system set to a comfortable 28°C, along with specially designed "love seats" equipped with thick memory foam cushions and sturdy armrests [1] - A range of progressive reading glasses and magnifying glasses are provided at filling stations to assist elderly clients with visibility issues [1] Group 2: Service Convenience Enhancements - A "special needs elderly client appointment home service quick response mechanism" has been established to assist those who are immobile or live in remote areas [2] - A mobile financial service team, equipped with portable smart terminals, visits clients' homes to efficiently handle frequent transactions like term deposit renewals and basic account inquiries [2] - Staff members wear "volunteer service" badges and employ a three-step service method to enhance the in-branch experience for elderly clients, minimizing their waiting time in cold conditions [2] Group 3: Extended Care and Community Engagement - The branch has set up a permanent "love station" that serves as a warm haven for elderly clients, featuring comfortable seating, emergency medical supplies, and mobile charging stations [3] - Staff conduct "micro-salon" sessions in the lobby to educate clients about common winter scams and provide preventive tips, fostering a sense of community and trust [3] - The branch is committed to continuously improving its services for the elderly, ensuring a safe, convenient, and respectful banking experience [3]

国际金价再创历史新高，现货黄金冲破5000美元/盎司。 国内金价同样上涨。截至1月27日，沪金主连AU9999已站上1140元/克关口。 记者注意到，金价狂飙下，不断有商业银行增加黄金积存产品风险承受能力测评要求，近日农业银行增 加风险承受能力测评要求为谨慎型及以上，此外，工商银行、中信银行已要求客户风险测评结果为C3 （平衡型）及以上。 农行增加风险测评要求 投资者要想投资黄金，除了ETF（交易型开放式指数基金）、实物黄金等，还可以办理商业银行积存金 业务，即银行推出的可供投资者每日购入积存金份额、可赎回变现或兑换实物黄金产品的业务。 "理性看待金价行情" 截至1月26日，现货黄金已经连续6个交易日强势上涨，2026年开年以来，金价上涨幅度已超过17%，目 前更是强势站上5000美元/盎司台阶。 对于金价上涨情况，东方金诚研究发展部高级副总监瞿瑞对记者表示，这主要源于市场避险情绪再度快 速升温，进一步加大对黄金的需求。 记者注意到，1月26日，农业银行发布"关于存金通黄金积存业务增加风险承受能力测评要求的公告"， 其中提到自2026年1月30日起，为进一步保护金融消费者权益，将对个人客户参与存金通黄金积存交 ...

侨银股份公告称，公司第四届董事会第八次会议通过议案，同意控股子公司侨恒环保向工商银行申请不 超3.35亿元银团项目贷款，公司为融资提供连带责任担保，并用持有的侨恒环保85%股权质押。公司控 股股东、实际控制人刘少云、韩丹也提供连带责任担保，不收费。该议案尚需股东会审议。截至公告披 露日，公司及控股子公司对外实际担保总余额为19.75亿元，占2024年度经审计净资产的81.09%，无逾 期担保等情况。 ...

Group 1 - The company announced that it will provide a guarantee for its subsidiary, Qiaoheng Environmental Energy Co., Ltd., to apply for a loan of up to 335 million yuan from the Industrial and Commercial Bank of China [1] - The company will use 85% of its equity in Qiaoheng Environmental as collateral for the loan, and the controlling shareholders will also provide joint liability guarantees without charging any guarantee fees [1] - The proposal requires approval from the company's shareholders' meeting and the board of directors has requested authorization for the management to handle related matters [1] Group 2 - As of the announcement date, the total actual guarantees provided by the company and its subsidiaries amount to approximately 1.975 billion yuan, which is 81.09% of the company's audited net assets for 2024 [2] - Among the total guarantees, 45.43 million yuan is for entities outside the consolidated financial statements, accounting for 1.87% of the company's audited net assets for 2024 [2] - The remaining guarantees are provided for subsidiaries within the consolidated financial statements or by subsidiaries to the parent company [2]

面对贵金属价格波动，近期多家银行调整黄金积存业务起购门槛、风险评级准入等交易规则，并下调相 关利率。 1月27日，平安银行、宁波银行均发布公告，对黄金积存业务进行利率调整。平安银行公告表示，根据 近期黄金市场变动情况，该行自2026年2月4日起调整平安金积存业务相关收益率，其中活期收益率调整 为0.01%、3个月期定存调整为0.2%、6个月期定存调整为0.4%、1年期定存调整为0.8%。 据平安口袋银行APP显示，目前该行平安金活期年化收益率为0.2%，平安金定期3个月、6个月、1年期 年利率分别为0.4%、0.7%、1%，据此计算，此次下调幅度在19-30个基点。 宁波银行则披露称，该行决定自2026年1月28日（周三）起调整定存金产品定存利率。调整后的定存金 产品定存利率分别为：活期0%，1个月0.3%，3个月0.3%，6个月0.4%，12个月0.5%。而据宁波银行官 网，目前该行定存金产品定存利率分别为：活期0.2%，1个月0.3%，3个月0.4%，6个月0.6%，12个月 0.8%，此次下调幅度为0-30个基点。 与此同时，两家银行均在公告中建议客户谨慎进行贵金属业务投资。平安银行指出，黄金价格的剧烈 ...