齐鲁晚报.齐鲁壹点李可通讯员李广元 "以前办业务要跑老远，现在银行工作人员主动上门了解需求，还推荐了适合的信贷产品，真是太方便 了！"辛集镇种植户李先生的这番话，充分体现了菏泽农商银行辛集支行网格营销服务的实际成效。为 提升基础客户营销质量和效率，该支行以行政村为单位划分服务网格，采用"三步走+智慧赋能"模式， 使金融服务精准覆盖乡村各个角落。 科学划分网格精准摸排需求 该支行依据辖内行政村的分布特征，科学地将服务区域划分为多个网格，并为每个网格配备了由"客户 经理+业务骨干"组成的专属服务团队，明确了各团队的责任和服务范围。在初次摸排阶段，团队成员 化身"金融网格员"，深入田间地头、农家小院和乡村商铺，逐户收集农户、个体工商户和小微企业的经 营情况、资金需求等信息。通过这一举措，该支行建立了包含基础信息、金融偏好和需求类型的详细台 账，确保对网格内客户的情况了如指掌。 依托数据分析实现精准营销 基于前期的摸排数据，该支行摒弃了"大水漫灌"式的推广方式，借助智慧营销系统对客户数据进行深度 分析，为客户生成精准画像。针对不同客户群体的特点，该支行推出了个性化的金融服务和产品。例 如，为芍药种植农户提供"牡丹芍药 ...

Core Insights - The bank positions itself as a "convenience store" for local residents, providing a wide range of financial services and integrating with local governance to enhance accessibility [1][2] Group 1: Financial Services Expansion - As of August this year, the bank has established 139 physical service outlets across the city, achieving "full coverage" in rural areas, with 68 located in agricultural regions [1] - The bank has set up 166 financial convenience service points and 45 benchmark demonstration service points, ensuring that villagers can handle financial transactions within a 15-minute walk [1] - The bank has partnered with village committees and merchants to create inclusive financial service points, allowing villagers to manage social security payments and basic banking services without leaving their villages [1] Group 2: Government Services Integration - The bank has relocated government service windows into its branches, establishing 77 comprehensive service points for social security, medical insurance, and administrative services across major townships [2] - These service points can handle 71 types of social security services, 21 types of medical insurance services, and 140 types of administrative services, facilitating a one-stop service for the public [2] - As of August, these points have processed over 120,000 administrative transactions, serving more than 80,000 residents, effectively transforming "the most runs once" into "the nearest run once" [2] Group 3: Social Responsibility Initiatives - The bank has created "labor stations" to assist the unemployed, providing free job placement, policy consultation, and skills training, helping over 2,000 individuals find local employment [3] - The bank has donated 1.43 million yuan to support 2,500 rural students and left-behind children, with 196 students successfully entering their desired universities [3] - The bank plays a significant role in rural revitalization, processing an average of 8.12 million agricultural business transactions annually and directly serving 400,000 farming households [3] - Collaborating with local tourism businesses, the bank has attracted over 12,000 visitors, generating ticket sales exceeding 600,000 yuan, thereby stimulating the rural tourism economy [3]

Core Points - The core idea of the news is that the Bank of China Dongying Lijin Branch is implementing a door-to-door service for elderly clients in remote villages to address their difficulties in accessing banking services [1][2] Group 1: Service Implementation - The bank organized a service team to visit multiple remote villages, providing on-site assistance to elderly individuals who are elderly, living alone, or disabled [1] - Transportation challenges hinder elderly clients from reaching bank branches, making simple tasks like activating social security cards and resetting passwords difficult for them [1] - The bank developed a special service plan after assessing the needs of elderly clients, sending staff equipped with mobile devices to provide "zero-distance" financial services [1] Group 2: Service Process - During the home service, staff maintained patience and attention to detail, verifying information and assisting with various banking tasks [1] - Staff provided hands-on guidance to help elderly clients set passwords and use social security card functions, ensuring they could master these skills [1] - To enhance financial risk awareness among elderly clients, staff conducted on-site education on preventing telecom fraud and illegal fundraising, distributing informational brochures [1] Group 3: Community Impact - This door-to-door service is part of the bank's commitment to the "Finance for the People" philosophy and supports rural revitalization, receiving high recognition from local communities [2] - The bank plans to expand its service range and establish long-term cooperation with local governments and village committees to ensure continuous access to convenient and safe financial services for elderly clients in remote areas [2]

Core Viewpoint - The collaboration between Donggang Rural Commercial Bank and Rizhao Smile Dental Hospital aims to provide integrated health and financial services for elderly clients, enhancing the quality of elderly care through a "financial + health" service model [1][3][4] Group 1: Addressing Elderly Needs - The aging population is driving an increasing demand for integrated medical and elderly care services, prompting the bank to break industry barriers and partner with professional medical institutions [3][4] - During the event, dental experts provided practical knowledge on dental care and offered free oral health checks while establishing health records for elderly clients [3][4] Group 2: Building Ecosystem - The event serves as a significant practice in constructing a "financial + lifestyle" ecosystem, embedding financial functions like social security card issuance and pension distribution into health services [4] - The bank aims to enhance customer loyalty and lay the groundwork for expanding comprehensive services through this initiative [4] - A long-term cooperation agreement with the dental hospital will ensure ongoing value-added services for elderly clients, such as regular check-ups and streamlined medical access [4] Group 3: Expanding Inclusive Finance - The bank focuses on key demographics, particularly the elderly and children, and has conducted various activities like "financial literacy classes for the elderly" in collaboration with communities and medical institutions [4] - By leveraging cross-industry alliances, the bank seeks to broaden the boundaries of inclusive finance and create greater value for elderly clients, exploring a sustainable path for inclusive elderly care [4]

Core Viewpoint - The company is expanding its banking services to meet the needs of special customer groups, focusing on providing door-to-door services for those unable to visit bank branches due to health issues or emergencies [1][2][3] Group 1: Service Initiatives - The company has implemented an emergency door-to-door service plan to assist customers in urgent situations, such as a young man needing to withdraw funds for his hospitalized father who forgot his bank card password [1] - In another instance, the company responded to a request from Mr. Shi's family, who needed assistance with a locked social security card due to his inability to visit the bank [2] - The company emphasizes a customer-centric service philosophy, optimizing its door-to-door service mechanism for elderly, disabled, and hospitalized clients [2] Group 2: Service Expansion - The company has expanded its door-to-door service offerings beyond common tasks like password resets and card loss reporting to include activating social security cards and providing financial consulting [2] - The company aims to enhance service efficiency by simplifying processes for special customer groups [2] Group 3: Commitment to Social Responsibility - The door-to-door service is seen as an extension of banking services and a reflection of the company's social responsibility, breaking traditional time and space limitations in financial services [3] - The company plans to continue innovating service methods and improving service quality to provide comprehensive financial services to more special customers [3]

Core Viewpoint - The article emphasizes the importance of providing convenient, safe, and warm financial services to elderly clients in the context of an aging society, highlighting the efforts of the Industrial and Commercial Bank of China (ICBC) Mangshi Branch in fulfilling its social responsibility [1] Group 1: Service System for Elderly Clients - The Mangshi Branch has established an innovative "Elderly Pioneer Team" to address the needs of elderly clients, implementing a comprehensive service mechanism that includes demand response, home service, and feedback [2] - The team extends counter services to clients' homes using mobile devices, addressing issues such as social security card activation and password resets promptly [2] - In the branch, the team provides patient and detailed "slow-paced" services at a dedicated "Elderly Service Window," ensuring a warm and safe service environment with facilities like reading glasses and first aid kits [2] Group 2: Exemplary Service Cases - A recent case involved a family urgently needing to activate a social security card for an elderly bedridden client, which the branch addressed by sending a team to the client's home to complete the activation process efficiently and professionally [3] - During the service, staff educated the elderly client and their family on the safe use of the social security card and financial fraud prevention, receiving high praise for their warm and professional service [3] Group 3: Commitment to Continuous Improvement - The Mangshi Branch is committed to enhancing its "Elderly Pioneer Team" and optimizing its elderly-friendly service processes to better meet the financial needs of elderly and disabled clients [4] - The branch aims to provide more convenient, efficient, and warm financial services, contributing to a harmonious and friendly social environment while reinforcing its commitment to serving the public [4]