转自：新华财经 优化传统服务方式，打通金融服务"最后一米" 兴业银行哈尔滨分行积极响应适老化服务要求，持续推进老年人金融服务适配工作，从服务质量优化到 产品功能完善，从环境适老改造到数字化温情赋能，不断提升老年客户的金融服务获得感、安全感和满 意度，用细致服务传递关怀温度，用专业能力守护幸福晚年。 无障碍通道、紧急呼叫设备、轮椅、老花镜、放大镜……这些设施为老年客户提供了极大的便捷性。截 至目前，兴业银行哈尔滨分行29家营业网点均已完成适老化升级，部分网点还引入自动体外除颤器 （AED）设备，为突发状况提供应急保障；已有26名员工获得养老金融规划师资质，成为老年客户身 边"懂养老、讲服务、解疑惑"的贴心顾问，养老金融人才队伍建设得到有效推进。 用好科技赋能成果，打通数字鸿沟"适老通道" 该行通过适老服务数字化转型，让"不会用""看不清""排长队"等老年客户常见困扰逐步得到解决。线上 方面，该行优化自有网站、App等渠道的适老化功能，手机银行App新增了"安愉版"，页面简洁、图标 放大、操作友好，方便老年客户快速上手使用。线下方面，各网点自助设备已全面配备"大字版"界面和 语音提示功能，并优化业务流程设计，使常 ...

Core Viewpoint - Strengthening financial consumer rights protection is essential for promoting the people-oriented nature of financial work, with Minsheng Bank Nanjing Branch focusing on innovative practices and warm services to meet diverse consumer needs since 2025 [1][6]. Group 1: Fraud Prevention and Consumer Protection - Minsheng Bank Nanjing Branch has effectively utilized a big data risk control system and frontline employee insights to mitigate new types of fraud risks, successfully preventing a customer from losing 50,000 yuan due to telecom fraud [1][2]. - The bank has implemented a dual protection system combining technology and human intervention to enhance customer asset security, alongside proactive financial knowledge education focusing on account safety and fraud prevention [2]. Group 2: Services for the Elderly - The bank has established a "green channel" for elderly customers and provided various services such as home visits for those unable to visit branches, ensuring personalized and humane service [3][4]. - Initiatives include setting up "respect for the elderly" areas in all standard branches, equipping them with reading materials and tools for elderly customers, and launching a "senior version" mobile banking app with larger fonts and simplified menus [4]. Group 3: Services for the Disabled - Minsheng Bank Nanjing Branch has developed a "barrier-free financial service circle" to cater to the needs of disabled individuals, providing specialized services for visually impaired customers [5]. - The bank has created a unique brand focused on delivering warm, accessible financial services to special groups, including the construction of barrier-free pathways and the provision of customized financial education through various formats [5]. Group 4: Future Directions - The bank aims to continue enhancing its consumer protection efforts, focusing on consumer needs and deepening innovative practices to create a healthier and more sustainable financial consumption environment [6][7].

Group 1 - The People's Bank of China in Pingdingshan has intensified financial support for the elderly sector through various measures and collaborative efforts [1][2] - The bank has organized multiple meetings to enhance the political awareness of the financial system regarding elderly finance policies [1] - A dynamic tracking mechanism has been established to monitor task lists, issues, and outcomes related to elderly financial services [1] Group 2 - Financial institutions are being guided to develop financial products that meet the needs of the elderly industry, with a focus on reducing financing costs [2] - The average interest rate for new corporate loans in the city decreased by 1.12 percentage points year-on-year as of April 2025, reaching a historical low [2] - A communication mechanism has been established among banks, police, and government departments to create a supportive financial environment for the elderly [2] Group 3 - The bank has divided the city into 158 grids and signed community service commitments to enhance elderly financial services [3] - A total of 276 elderly-friendly service points and 306 currency exchange windows have been established, along with 12 special currency exchange points for the disabled [3] - Over 23,000 "pocket money" services have been launched, facilitating quick currency exchanges for the elderly [3] Group 4 - Financial literacy campaigns have been conducted to educate the public about illegal financial activities, particularly targeting the elderly [4] - The bank has established 12 currency authenticity verification centers and created the first anti-counterfeit currency theme park in Henan Province [4] - Continuous efforts are being made to ensure that elderly-friendly facilities and services meet established standards through regular inspections [4]

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].