本报记者田耿文 今年以来，山东东营农商银行瞄准企业客户各方面需求，打开金融服务新思路，探索多层次、接地气的 助企服务新模式，创新"身入""置顶""前移""行走"的金融服务新范式，为企业高质量发展深度赋能。 该行深入开展"千企万户大走访"活动，优选精干力量，积极深入企业、园区、商圈走访问需，全面摸排 企业经营状况、融资需求、困难问题等情况，做到"了解你的客户"，匹配合适的金融产品，提升信贷投 放力度，坚持"身入"企业，为企业办实事，"心至"企业，让企业得实惠。截至目前，全行实体贷款余额 达174亿元，较年初增长11亿元。 "多亏了你们新设立的这个专门窗口，不仅帮我们答疑解惑，还让我们少跑一次，真是帮了大忙了！"在 东营区政务服务大厅企业服务中心，东营农商银行把网点"前移"至此，一位前来咨询金融业务的企业人 员高兴地说道。 东营农商银行此举旨在进一步加大助企服务力度，最大程度上实现金融服务与企业需求的无缝对接。 "置顶"服务实现"送货上门" 在广同建设有限公司的办公室内，东营农商银行东城支行的工作人员正在有条不紊地指导企业员工填 单，进行身份核实，录入社保信息，为企业提供社保卡上门"集中办"服务。 该公司员工多且 ...

在六月的骄阳和暴雨中，用一瓶水的清凉、一把扇的关怀，建行江苏省分行组成"高考陪伴团"，护航省内莘莘学子奔上追梦路。 "劳动者港湾"化身"高考补给站"，南京分行张富清金融服务队在全市范围内开展高考护航行动，在考点附近搭建了14个"爱心助考"移动港湾，为考生免费提 供应急考试文具，也为等候的考生家长们准备矿泉水、小扇子等防暑用品，提供避暑挡雨的休息场所，让学子安心赴考、家长放心陪考。同时，现场还向等 候的考生家长们介绍金融消保知识，守护百姓"钱袋子"。 忽大忽小的雨声是进击的鼓点，怀揣梦想的学子踏入考场。常州溧阳支行"张富清金融服务队"第七年开启"助力高考"行动，以"建行蓝"搭建"高考加油站"。 准备丰富物资，为考生、家长遮雨送暖，还向雨中坚守的警察、环卫工人等送上贴心问候。 高考首日上午，淮安分行"能量补给站"火热上线，工作人员为考生及家长送上暖心助力，累计发放文具、风油精、折扇、矿泉水等物品300余份。一份份贴 心好物，即时缓解焦灼疲惫，赋能考生从容应考，亦为守候的家长撑起一片清凉。 建行盐城亭湖支行"张富清党员服务队"走进盐城中学，向送考家长赠送矿泉水，发放印有"劳动者港湾"的清凉小扇，为炎夏带来习习清风， ...

Core Points - A senior customer approached Agricultural Bank of China (ABC) in Jinan, expressing concern over unauthorized deductions totaling over 2000 yuan from her account, fearing she had fallen victim to telecom fraud [1][3] - The customer service manager assisted the client in checking her transaction history, revealing three deductions of approximately 600 yuan each from an unknown internet platform, which the customer did not recognize [3] - After contacting the internet platform's customer service, it was determined that the deductions were due to an accidental subscription to a magazine, and the bank staff successfully helped the customer recover the full amount [3][5] Service Approach - The incident reflects ABC's commitment to providing warm financial services, particularly aimed at elderly clients, enhancing their sense of security and satisfaction [6] - The bank has been focusing on age-friendly, thoughtful, and specialized services to improve the financial experience for older customers [6] - ABC plans to continue strengthening its service awareness and maintain its dedication to customer-centric financial services, promoting its "Warm Financial Domain" service brand [6]

"以前在外面工作，累了都没个地方休息。现在好了，农行的'农情暖域'专区为我们提供了这么好的休 息场所，还有免费的饮水和充电服务，真的太贴心了！"一位户外劳动者感慨道。 "农情暖域"是近年来中国农业银行在全行范围内打造的服务品牌。该品牌以"环境升温、服务升温、品 牌升温"为目标，突出"用心服务常态化、升温服务品牌化"服务主题，全面提升网点服务质效，推动网 点服务持续升温。中国农业银行济南双山支行坚持以"农情暖域"服务品牌为引领，从细微处入手，持续 提升金融服务品质，将温暖与关怀传递到每一位客户身边，努力打造百姓身边的口碑银行。 优化服务设施，打造温馨服务环境 走进农行济南双山支行的营业网点大厅内，首先映入眼帘的是宽敞明亮的大厅，整洁有序的布局让人倍 感舒适。从服务布局到硬件设施，每一处细节都尽显用心。网点设置了"农情暖域"专区，配备了饮水 机、充电器、应急药品、轮椅、雨伞、老花镜等便民设施，各类设施摆放有序，为户外劳动者、老年 人、行动不便人群等特殊群体提供贴心服务，满足客户多样化的需求。无论是炎炎夏日的一杯清凉饮 水，还是数九寒冬的一个温暖歇脚处，都让客户切实感受到农行的贴心。 网点还进行了适老化改造，设置无 ...

Core Viewpoint - The Bank of China Shanghai Branch has made significant advancements in offshore international trade business background verification, enhancing efficiency and convenience in cross-border trade operations [1][2] Group 1: Business Innovations - The Bank of China Shanghai Branch has implemented an online cross-border financial service platform that reduces the verification process from 1-2 working days to under 30 minutes [1] - The platform addresses industry pain points such as document traceability and slow bank verification, utilizing technology and data to improve foreign exchange compliance management [1][2] Group 2: Strategic Initiatives - The bank has established a trusted data-sharing mechanism among enterprises, banks, and regulatory authorities to ensure the authenticity of verification results [2] - The transition from traditional paper document review to an online contactless process has significantly enhanced review efficiency [2] - The upgraded risk control system employs intelligent comparison of order flow, cargo flow, and capital flow to accurately identify risks associated with fictitious trade backgrounds [2] Group 3: Future Outlook - The Bank of China Shanghai Branch aims to continue enhancing its cross-border financial services, focusing on innovative applications of the financial service platform to improve customer experience [2] - The bank is committed to contributing to the competitiveness and influence of the Shanghai International Financial Center and promoting high-quality economic development and openness [2]

Core Insights - The event "Financial Empowerment for Enterprises Going Global" was held in Shanghai, focusing on enhancing cross-border financial services and supporting enterprises in international markets [1] Group 1: Policy Initiatives - The People's Bank of China, along with other regulatory bodies, issued an action plan to enhance cross-border financial service convenience in Shanghai, addressing diverse financial needs [3] - Yangpu District released measures to promote high-quality development in science and technology finance, including 20 specific initiatives across five key areas [3] - The district aims to support international technology innovation and online new economy sectors with 15 unique measures, including establishing the "Yangfan" AEO enterprise service [3] Group 2: Financial Services and Solutions - Bank of China Shanghai Branch introduced a "24/7 Direct Account" service for whitelist enterprises, allowing for immediate foreign exchange transactions and improving capital efficiency [4] - A guarantee fund model was introduced to reduce the cash deposit ratio for enterprises, enhancing customs clearance efficiency amid tariff fluctuations [4] - The Shanghai Municipal Financial Office provided a detailed interpretation of the action plan's strategic goals and key tasks [4] Group 3: Risk Management and Support - The China Foreign Exchange Trading Center emphasized the importance of exchange rate risk management and provided case studies on risk management tools [4] - Yangpu Customs shared initiatives for AEO credit cultivation, offering preferential treatment to support the high-quality development of foreign trade enterprises [5] - Xtransfer highlighted the role of cross-border payment solutions in facilitating global transactions for foreign trade enterprises [6] Group 4: Future Directions - Yangpu District plans to further optimize the policy environment, enhance top-level design, and promote cross-border investment and financing convenience [6] - The district aims to strengthen international financial cooperation and encourage innovation in cross-border financial products and services [6]

Core Viewpoint - The financial services sector is increasingly focusing on providing convenient and intelligent services for the elderly population, recognizing their significant financial needs and the importance of tailored services [1][2]. Group 1: Elderly Financial Needs - The aging population has a growing demand for financial services, yet traditional branches often lack convenience and have complex service processes, leading to a gap between services offered and actual needs [2][3]. - The South Tong Hai'an Qutang branch has initiated a transformation to create an elderly-friendly environment, enhancing service quality and optimizing branch facilities [2][3]. Group 2: Facility Improvements - The branch has implemented various modifications, such as designing accessible entrances, installing handrails, and using non-slip flooring to reduce the risk of falls for elderly customers [2][3]. - Additional features include providing reading aids like magnifying glasses and a variety of reading glasses to assist elderly clients in understanding financial documents [2][3]. Group 3: Staff Training and Service - All staff members have undergone specialized training to improve communication with elderly clients, ensuring clear and patient guidance during transactions [3]. - Staff assist elderly customers in filling out forms and using self-service machines, fostering a supportive environment [3]. Group 4: Community Engagement and Education - The branch regularly conducts financial knowledge seminars and anti-fraud campaigns, engaging with local healthcare facilities to educate the elderly on common scams [4]. - Over 100 elderly individuals have participated in these activities, leading to increased awareness and prevention of potential financial losses [4]. Group 5: Personalized Services - The branch provides personalized services, including home visits for elderly clients with mobility issues, ensuring they receive necessary banking services [5]. - The initiative has enhanced the branch's reputation within the community, with many elderly clients expressing comfort and trust in the services provided [5]. Group 6: Collaboration and Innovation - The branch collaborates with government and community organizations to expand financial literacy programs and create personalized service plans for elderly clients [6]. - The integration of financial technology, such as voice-activated assistance and facial recognition, aims to streamline service processes for elderly customers [6][7]. Group 7: Future Plans - The South Tong Hai'an Qutang branch plans to continue enhancing its elderly-friendly services, including the introduction of health monitoring devices to support the well-being of elderly clients [7]. - The commitment to providing high-quality financial services and fostering a caring environment for the elderly remains a priority for the branch [7].

Group 1 - A customer urgently needed to open a corporate account to avoid significant losses, and the bank staff went above and beyond to assist, even delaying their closing time to ensure the process was completed [1] - The bank staff meticulously guided the customer through the complex account opening process, demonstrating patience and professionalism, which ultimately led to a successful outcome [1] - The customer expressed gratitude through a social media video, highlighting the exceptional service received and praising the bank for its warm and responsive approach [1] Group 2 - The company emphasizes a customer-first philosophy, advocating for flexibility in handling special situations to meet customer needs and build trust and loyalty [2] - Attention to detail is crucial in service quality, and the company aims to cultivate a culture among employees that prioritizes meticulousness in every aspect of service delivery [2] - Positive customer experiences can lead to trust and generate favorable online feedback, establishing the company as a benchmark for quality service in the industry [2]

取现后，顾经理将钞票逐张清点递到马老手中："您再核对一遍，钱和回单都收好。"提醒马老及时收 卡。顾经理手把手教流程、心贴心解疑惑，马老很快就取好了现金。 业务办理完毕后，马老感慨道："小顾啊，现在的机器太先进了，我们这些老同志跟不上，多亏有你这 样的年轻人愿意耐心帮忙。" 在南通海安中楹桥支行里，客户经理顾景慧总是格外忙碌。在她负责的客户群体中，有不少是退休老干 部，他们曾经在各自的岗位上奉献了大半生，如今虽已离开工作岗位，但依然保持着严谨、细致的生活 习惯。面对这样的特殊客户，顾经理深知，仅仅提供标准的金融服务远远不够，更需要专业的技能、细 致的关怀和持久的耐心。 某月的15日，如往常一样网点领取养老金的老龄客户较多，顾经理也一直在客户等候区询问大家需要办 理的业务情况，引导有能力的客户自助办理，减少客户排队时长，减轻柜面压力。顾经理主动询 问："大家谁使用的智能手机啊，我可以带您自助办理，省得您排队。" 这时候一位退休老干部说："我可以试试吗？就是视力不太好。" 顾经理随即从口袋里掏出老花镜说："马老您别担心，我这儿有眼镜。" 马老又犹豫啦："银行卡塞进去钱出不来怎么办？密码输错了怎么办？." 顾经理笑嘻 ...

中国企业与富裕阶层 "走向全球"的步伐正在提速！ 2024 年，中国对外直接投资增长 10.1% ，达到 1627.8 亿美元。随着企业加速出海，中国 富裕阶 层 进行跨国资金管理与全球资产配置的需求也在稳步增长。 渣打银行近日发布 的 《中国富裕客群及企业家国际银行服务需求洞察与趋势》调研报告（以下简称 "报告"） 指出 ： 近 90%的受访者持有国际银行账户至少三年，而少数尚未开户的受访者有 80% 以上表示将在未来一年内开户。 但渣打此次调研也发现： 国际银行服务中普遍存在语言与沟通障碍、线下客户服务质量、商业与个 人银行服务的割裂现象，这已成为当前中国富裕 客 群与企业家获得更好跨境资金管理与全球资产配 置服务的三大痛点 。 通过扎实的调研，该报告揭示了富裕 客群 及企业家群体在选择国际银行服务时面临的需求变化和服 务挑战，国际银行如何满足客群的多元化需求值得关注。 据了解，本次 调研共有 1520 受访者，包 括 301 位香港本地居民 以及 1219 名分别居住在中国内地、香港、新加坡、阿联酋等地的中国 客 群（指拥有中国国籍或者中国香港身份的客群） 。其中 71% 为家庭群体， 33% 为企业家 ...