优化布局的同时，不断提高效率，至关重要。不少人曾抱怨，"办理10分钟、等待1小时"。解决用户痛 点，就能更好把握发展机遇。如何提效提质？强化运营管理，实现有效分流。高峰时段，对于那些不是 必须在柜台办理的业务需求，可引导协助用户自助办理，以减少等待时间。对银行来说，由数字化服务 节约下来的人力资源可以转向提供综合服务，如理财咨询、金融知识普及等，这也有助于提升网点综合 服务能力。 （摘编自《经济日报》） （文章来源：人民日报） 网点增减应遵循什么逻辑？虽然这是银行出于经营管理考量的自主选择，但其底层逻辑应遵循8个字： 便民惠民、降本增效。其中，便民惠民是基础。商业银行依靠用户体验与口碑赢得市场，用户体验取决 于服务质量，服务质量依托于服务渠道，而线下网点正是重要的服务渠道之一。 网点应设在有需求但供给待提升的区域。有些网点退出，是对此前"跑马圈地"经营理念的纠偏。在银行 业快速发展的阶段，业内一度认为"得规模者得天下"，但线下网点的经营成本通常较高。缺乏用户基 础，盲目快上，只能造成资源浪费与业绩低下。有些网点新增，是提升金融服务覆盖面的必要举措。网 点资源要与各地区的经济社会发展需求相匹配，尤其要着力提升县 ...

Core Insights - The article highlights the successful implementation of a mobile banking service by the Jinan branch of Industrial and Commercial Bank of China (ICBC), aimed at providing financial services to elderly residents in a community [1][5]. Group 1: Service Implementation - The mobile banking service operates on a "fixed cycle + on-demand response" mechanism, providing weekly services to the community, including account inquiries and financial consultations [1]. - The service has reached over 200 residents and processed more than 1,000 transactions, effectively addressing the challenges of accessibility in financial services for the elderly [1]. Group 2: Community Engagement - The team has shown commitment by providing services even during adverse weather conditions, such as heavy rain and high temperatures, ensuring that residents receive timely assistance [3]. - Community leaders have expressed appreciation for the team's reliability, indicating that their presence has become a source of comfort for the elderly [3]. Group 3: Customized Services - The team has tailored its services to meet the specific needs of the elderly, including hands-on training for mobile banking and educational initiatives on fraud prevention [5]. - The team has provided over 100 hours of extended service and made more than 30 home visits to assist those with mobility issues, demonstrating a strong commitment to community welfare [5]. Group 4: Future Plans - ICBC Jinan plans to continue optimizing the "mobile banking + elderly services" model, aiming to enhance financial accessibility and support for the community [5].

Core Viewpoint - Shanghai Bank is actively responding to community needs by integrating cultural activities, such as the "Husheng" opera training program for seniors, into its services, enhancing the quality of life for the elderly while promoting financial literacy [4][8]. Group 1: Cultural Engagement - The "Husheng" opera training program, led by non-heritage inheritor Xiao Qinfang, concluded successfully with over 30 senior participants showcasing their learning through a performance [1][5]. - The initiative transformed a bank branch into a "Silver Age Paradise," emphasizing the importance of cultural enrichment in elderly care [3]. Group 2: Community Needs and Bank Response - Shanghai Bank identified a gap in cultural education for seniors, realizing that they not only needed financial knowledge but also cultural nourishment [4]. - The bank collaborated with local educational institutions to bring cultural classes closer to the elderly, addressing transportation and accessibility issues [4][8]. Group 3: Program Success and Expansion - The initial class, intended for 20 participants, expanded to over 30 due to high demand, indicating strong community interest in cultural programs [7]. - Participants engaged actively in the classes, often arriving early and taking notes, highlighting the program's impact on their retirement life [7]. Group 4: Financial and Cultural Integration - The program not only enriched the participants' cultural lives but also strengthened the emotional connection between the bank and the community, with seniors also accessing financial services during their visits [8]. - Shanghai Bank plans to further develop educational partnerships and expand its offerings for the elderly, aiming to create a platform for lifelong learning and joyful living [8].