携 手 中国儿童中心， 推动未来公民金融素养建设 作为国家级校外教育单位，中国儿童中心始终以儿童全面发展为核心，坚守"活动育人、实 践育人"理念，在儿童素质教育领域深耕多年，积累了丰富的教育资源、成熟的实践模式与 广泛的家庭影响力，是推动儿童财商启蒙与综合素养提升的引领者。北京银行联动中国儿童 中心，是发挥金融机构专业优势、为儿童素质教育提供金融资源支撑与场景化服务的重要举 措，更是双方响应国家"将金融素养纳入基础教育体系"号召，共同探索"教育+金融"协同育 人模式的具体实践。 创新儿童友好实践， 11 月 15 日，北京银行携手中国儿童中心共同举办"京苗财商嘉年华"活动。聚焦 6-12 岁 儿童核心成长需求，通过沉浸式体验、互动式教学、实践式探索的多元形式，用财商点亮童 年，以金融赋能成长，成为金融机构助力儿童友好城市建设的生动实践。 聆听儿童真实诉求， 让儿童真正成为活动的"小主人" 双方在活动环节设置中，始终立足"一米"高度，以孩子的喜好搭建互动场景，认真聆听"一 米"声音的真实想法，让财商教育与社会责任培养自然融合、互促共生。现场设立"京苗观 察团"，孩子们以"京萤体验官"身份深度参与，主动表达对活动 ...

Group 1 - The core viewpoint is that children's financial education is gaining traction, with banks increasingly focusing on this segment as a new competitive arena in retail finance [1][2] - Various children's financial services have been launched, such as "Little Jing's Lucky Money," "Baby Piggy Bank," and "Wealth Little Manager," which not only provide savings channels but also serve as important vehicles for financial education [1] - Banks have taken on the role of guiding children's financial education, transforming into experimental fields for children to actively participate in financial practices [1] Group 2 - The introduction of children's savings accounts, children's bank cards, and parent-child cards has become standard among banks, but the application process is often criticized for being cumbersome [2] - Many banks require multiple documents for minors under 16 to open accounts, which adds to the burden of proof for customers [2] - The children's bank cards typically offer basic functions like deposits and withdrawals but lack features for purchasing investment products, leading to a "hot opening, cold deposit" phenomenon [2] Group 3 - Banks need to enhance the user experience for children and parents by simplifying the application and usage processes while ensuring financial security [3] - A tailored, differentiated operational strategy for different child demographics should be a focus for future development in children's financial services [3] - There is significant potential for expanding family financial services linked to children's financial services, creating a comprehensive financial ecosystem that includes parent-child accounts and family wealth management [3]