近日，在中国农业银行济南历下汉峪金谷支行中，几位客户正有序地办理业务，突然，一位满头白发的 老人缓缓走进来，手里紧紧攥着一张存折，眼神有些迷茫。"姑娘，我想取5万块钱，急用。"老人走到 柜台前，对客服经理小李说道。小李微笑着接过存折，一边操作一边习惯性地问："大爷，您取这么多 现金是有什么急事吗？需不需要我们帮您转账，更安全些？"老人支吾着说："就取现吧……有点事要处 理。" 这个故事只是日常工作中的小小一幕，银行工作人员不仅是金融服务的提供者，更是客户财产的"守门 人"和情感的"护航者"。每一次耐心的询问、每一个警觉的瞬间，背后是对责任的坚守和对人性的关 怀。在这片没有硝烟的金融安全战场上，正是这样的细微之处，筑起了最坚实的防线，让温暖在城市角 落静静流淌。 细心的李经理注意到老人神情紧张，手指微微颤抖，便温和地追问："对方是您的亲戚还是朋友？需要 汇到哪里？我们也可以帮您核实一下。"老人犹豫了一下，声音更低了："说是中奖了……要领奖，得先 交税。"这句话立刻引起了李经理的警觉。她迅速呼叫了大堂经理小彭。小彭蹲下身来，轻声问："大 爷，对方您见过吗？有没有联系方式？"老人摇摇头，从口袋里摸出一张皱巴巴的纸条 ...

Core Viewpoint - The increasing demand for convenience and personalized financial services has led banks to offer home banking services for clients with mobility issues, particularly the elderly [1][3][4]. Group 1: Home Banking Services - Multiple banks in Zhongshan provide home banking services for elderly clients who are unable to visit bank branches due to mobility issues [1][3]. - Banks require that if an elderly person is not mentally clear, a medical or community certificate is needed to proceed with banking services [3][4]. - Home banking services include account opening and transactions, but specific procedures depend on the client's needs and mental state [4][6]. Group 2: Recommendations Against New Bank Accounts - Some banks recommend using existing social security or medical insurance cards instead of opening new bank accounts for elderly clients, citing convenience and regulatory concerns [7][9]. - Legal experts argue that banks' reluctance to open new accounts for elderly clients lacks legal basis, as regulations support providing services to those with disabilities [9][10]. - It is suggested that elderly clients should avoid opening multiple new bank accounts unless absolutely necessary, to prevent complications [10][11]. Group 3: Legal and Regulatory Context - Regulations from the China Banking Regulatory Commission emphasize the need for banks to develop services for elderly clients and those with disabilities [9]. - The demographic data indicates a significant portion of Zhongshan's population is elderly, highlighting the importance of accessible banking services [9].

Core Viewpoint - The incident involving a sick elderly woman who passed away while attempting to withdraw money from a bank has sparked significant public debate regarding banking procedures and the necessity of personal presence for transactions [1][2][3]. Group 1: Incident Details - On May 14, a woman named 彭女士 (Ms. Peng), aged 62, was taken to a bank by her family to withdraw funds due to her severe illness, but she was required to be present in person to complete the transaction [2][3]. - The family faced difficulties as 彭女士's daughter was unable to withdraw funds after entering the wrong password multiple times, leading to the decision to bring 彭女士 to the bank [2][3]. - After arriving at the bank, 彭女士 was in poor condition and unable to respond, and despite attempts to assist her, she was left unattended until her family called for emergency help [2][3]. Group 2: Bank's Response - The China Agricultural Bank's local branch expressed deep regret over the incident and stated that they are cooperating with police investigations and reviewing their procedures [3][4]. - The bank indicated that they were unaware of 彭女士's health condition prior to her arrival and that there are protocols in place for emergency situations, including the possibility of transferring funds directly to a hospital [3][4]. Group 3: Banking Procedures - Various banks in the region clarified that for withdrawals involving a password-protected account, it is generally possible for a representative to withdraw funds with the necessary identification and documentation [5][6][7]. - Specific requirements for proxy withdrawals include both parties' identification and, in some cases, a power of attorney or authorization letter if the account holder is incapacitated [6][7]. - Banks also noted that for large withdrawals exceeding 50,000 yuan, prior appointment is necessary to ensure cash availability at the branch [7].