当前，中国即将迈入"十五五"发展时期。近期党的二十届四中全会审议通过的《中共中央关于制定国民 经济和社会发展第十五个五年规划的建议》（以下简称《建议》）擘画了未来五年我国发展的宏伟蓝 图，是指导国民经济和社会发展的纲领性文件。在《"十五五"规划建议》中，"民生"一词被提及了15 次，包括加大保障和改善民生力度，扎实推进全体人民共同富裕。 作为与百姓"钱袋子"息息相关的金融机构，商业银行是百姓"稳稳幸福"的守护者，其服务水平更是发展 的核心竞争力之一。光大银行北京分行深入学习贯彻全会精神，认真落实《建议》要求，优化体制机 制，不断提升自身服务能力和水平，将"以客户为中心"的服务理念贯彻始终。 据悉，光大银行北京分行近年来持续推动金融服务与民生需求深度融合，在养老金融、金融消费者权益 保护、特殊场景服务等领域持续深耕，以专业、高效、温暖的金融服务，为保障和改善首都居民民生福 祉贡献"光大力量"。 【】让"银发族"老有所依 立足区域构建全维度养老金融服务生态 随着我国人口老龄化进程加快，养老需求日益旺盛，养老服务需求日益多元化、多样化、多层次，养老 产业已成为新时代经济社会发展的新蓝海。 据了解，光大银行北京分行依 ...

在金融知识宣教方面，光大银行北京分行以"阳光消保"为品牌，构建覆盖"新市民、青少年、老年人、 乡村居民"四大重点群体的"新小老乡"金融教育体系。通过定制化宣传内容，普及金融知识、提示金融 风险。每年3月15日，分行党委班子成员走进网点，开展"3·15行长当大堂经理"活动，用通俗语言帮助 老年客户理解理财产品，提醒防范金融风险。 2025年1月，光大银行北京分行辖内首家"养老金融服务中心"在阜成路支行正式授牌，标志着分行养老 金融服务进入"专业化、精细化"新阶段。阜成路支行、新源支行及花园路支行凭借卓越的综合服务能力 成功入选首批64家"养老金融服务中心"网点，成为分行养老金融服务的"示范窗口"。 为进一步提升老年客户服务体验，光大银行北京分行在全辖网点推行老年客户"7项专属服务"，包括专 属窗口、专属服务人员、专属座椅等，并在夯实"7项专属服务"的基础上，打造"N项特色服务"，如增 设"敬老驿站"、组建敬老服务团队、开展"老年课堂"普及活动等，致力于打造养老金融服务样板间。 针对老年客户使用智能设备的困难，光大银行北京分行优化线下服务的同时，着力打造线上适老服务渠 道。手机银行"简爱版"功能字体放大、去除冗余 ...

Core Points - The "Social Security Services Entering Thousands of Homes" event is actively taking place in the city from October 23 to 29, featuring a unique "Warm Social Security Reception Room" at the Industrial and Commercial Bank of China [1][3] - The event focuses on two main themes: "High-Quality Insurance Participation" and "Intelligent Services," facilitating direct dialogue among social security officials, community residents, and business representatives [1][3] Group 1 - The Deputy Director of the Dongcheng District Social Security Center, Chen Qiang, highlighted the innovative measures in "High-Quality Insurance Participation" and "Intelligent Services," including the launch of online platforms like "Dong Xiao Bao: 100 Questions and Answers" and "Social Security Micro Classroom," with over 200 content releases [3] - Offline improvements include the separation of review processes and the establishment of "Expert Consultation Rooms," reducing average waiting times from 13 minutes to 6 minutes [3] - The third-generation social security card issuance is progressing steadily, becoming a vital "livelihood" document for citizens [3] Group 2 - The community service centers and social security bank cooperation outlets are crucial components of the "15-Minute Convenient Service Circle," with Peace Street and the Industrial and Commercial Bank sharing new achievements in convenient services [3] - The event showcased the functionality of the "Smart Social Security Service Area" and self-service equipment, inviting community representatives to experience social security business processing firsthand [3]

Core Insights - The article emphasizes the importance of financial services in addressing the challenges posed by an aging population, transforming these challenges into opportunities for economic growth through the "silver economy" [1] - The Industrial and Commercial Bank of China (ICBC) Beijing Branch is committed to meeting the needs of elderly clients by innovating and enhancing its elderly-friendly financial services [1][4] Group 1: Elderly-Friendly Services - ICBC Beijing Branch has developed a "Five Assistance" service system to enhance the quality and efficiency of services for elderly clients, focusing on environment, facilities, and management [2][5] - The bank has optimized over 400 branches for elderly-friendly functions, with 139 branches designated as exemplary elderly financial service centers [4] - The bank provides personalized assistance through dedicated "care specialists" to help elderly clients navigate banking services, significantly improving their experience [5] Group 2: Community Engagement and Cultural Activities - ICBC Beijing Branch organizes community events, such as art exhibitions and cultural festivals, to foster social interaction among elderly clients and enhance their overall experience [7][8] - The bank recognizes the broader needs of elderly clients, including cultural, entertainment, and health management, and aims to create a comprehensive elderly financial ecosystem [8][9] Group 3: Integrated Financial Services - The bank has established "social insurance and banking integrated service areas" to streamline the process for elderly clients to access social insurance and financial services [11][12] - ICBC Beijing Branch has launched the "Ruyi Life Pension Plan," offering a one-stop solution for elderly clients that includes pension planning, product selection, and service provision [13] Group 4: Financial Support for Elderly Care - The bank actively supports the elderly care industry through loans and financial services, including the issuance of a 40 million yuan loan to a health care company, marking a significant step in supporting the elderly care sector [13][14] - As of the third quarter, ICBC Beijing Branch manages over 780 billion yuan in pension funds and provides pension account management services to over 590,000 employees from more than 1,700 enterprises [13]

Core Insights - The company reported a revenue of 358 million yuan and a net profit attributable to shareholders of 4.4153 million yuan for the first three quarters of 2025, with a gross margin increase from 40.51% to 45.91% year-on-year, reflecting a 5.4 percentage point improvement [1][2] Financial Performance - Revenue for the first three quarters of 2025 reached 358 million yuan [1] - Net profit attributable to shareholders was 4.4153 million yuan [1] - Net profit excluding non-recurring gains and losses was 2.4264 million yuan [1] - Gross margin improved from 40.51% to 45.91%, a year-on-year increase of 5.4 percentage points [1] Business Strategy and Developments - The company has built a knowledge graph, document knowledge base, and model collaboration mechanism, completing the overall technical architecture for its intelligent application service platform [1] - The focus areas for future growth include employment and social security services, while medical and government services are identified as key operational breakthroughs [1] - In AI applications, the company has established a core AI technology foundation and completed the integration of general large models and self-developed model training [2] - The company is collaborating with partners to develop a "seamless medical payment platform" to optimize traditional IT architecture using core algorithm capabilities [2] - The company aims to solidify its position as a "social security card service provider" and maintain market leadership in the third-generation social security card [2] - The strategic layout emphasizes a service loop of "data + model + scenario," leveraging AI technology to empower core livelihood scenarios such as employment, medical care, and government services [2]

Core Insights - The company reported a revenue of 358 million yuan and a net profit of 6.6442 million yuan for the first three quarters of 2025, with a gross margin improvement from 40.51% to 45.91% year-on-year, an increase of 5.40 percentage points [1] - The improvement in gross margin is attributed to the reduction of less profitable business segments and the optimization of the "social security operation and big data services" profit model [1] - The company is focusing on enhancing its operational system around its core positioning as a "social security card service provider" and is expanding its market share in the third-generation social security card sector [1] Business Strategy - The company is accelerating the development of its AI core capabilities, implementing a strategic loop of "data + model + scenario" to drive intelligent upgrades in business scenarios, particularly in employment, medical services, and government affairs [1] - The company has strengthened its AI foundation by developing a self-researched government model that has been filed with national cybersecurity authorities, and is building a knowledge graph and knowledge base to optimize model performance [1][2] - The company is adopting a "platform + operation" service model to collaborate with B-end partners in expanding livelihood service scenarios, particularly in the healthcare sector [2] Future Outlook - The company aims to continue leveraging AI technology to solidify its social security and livelihood service foundation, accelerating the construction of a human-centered digital livelihood operation ecosystem to support future business growth [2]

Core Insights - The article highlights the proactive approach of Postal Savings Bank's Yanqing District branch in Beijing to facilitate the issuance of the third-generation social security cards, emphasizing community-oriented services and effective collaboration with local communities [1][3]. Group 1: Community Engagement - The Yanqing District branch has established a "community point + home service" dual plan to cater to the needs of elderly residents who may have mobility issues or are unfamiliar with digital processes [1]. - The branch has effectively collaborated with local community committees to assess the number of retirees and the distribution of elderly residents, ensuring that services are tailored to community needs [1][2]. Group 2: Service Implementation - During weekends and holidays, the bank's党员先锋队 (Party Vanguard Team) has been stationed at temporary service points in the community, providing hands-on assistance to elderly residents in the application process for social security cards [1][3]. - The team has demonstrated patience and thoroughness in guiding residents through the application process, including facial recognition and information entry, significantly reducing the burden on the community [2]. Group 3: Long-term Collaboration - The social security card issuance initiative has served as a catalyst for deeper cooperation between the bank and local communities, establishing a long-term contact mechanism for ongoing financial education and services [3]. - The bank aims to continue optimizing service processes and innovating service models to create a more convenient and supportive community service system, thereby enhancing the financial well-being of residents [3].

Core Viewpoint - China Everbright Bank's Beijing branch is committed to enhancing the quality of life for citizens by integrating financial services with public needs, focusing on areas such as pension finance, consumer rights protection, and specialized services for the elderly [1][2][3]. Group 1: Pension Financial Services - The bank aims to create a comprehensive pension financial service ecosystem to meet the diverse needs of the aging population, providing services that cover various aspects of life such as clothing, food, housing, transportation, travel, education, and healthcare [2]. - As of the end of September, the bank has issued 116,000 third-generation social security cards, with 97,000 issued this year, and opened 127,000 personal pension accounts with a total deposit of 23 million yuan [3]. - The bank has also promoted the "ICBC Ru Yi Pension Collective Plan," with an enterprise annuity scale of 66.5 billion yuan, an increase of 6.9 billion yuan since the beginning of the year [3]. Group 2: Specialized Service Centers - The first "Pension Financial Service Center" was established in January 2025, marking a new phase of specialized and refined pension financial services [4]. - The bank has implemented seven exclusive services for elderly clients, including dedicated service windows and personnel, and has introduced additional unique services such as "Elderly Stations" and "Elderly Class" activities [4]. Group 3: Digital and Technological Innovations - The bank has developed an online service platform to assist elderly clients who may struggle with technology, including a simplified mobile banking version with larger fonts and essential functions [6]. - The "Respect for the Elderly" service interface was launched in smart counters, and various apps have been optimized for elderly users, enhancing their financial service experience [6]. Group 4: Consumer Rights Protection - The bank has established a comprehensive consumer rights protection system, focusing on mechanisms for dispute resolution, knowledge education, and digital empowerment [7][8]. - A dedicated consumer protection management system has been developed to ensure proactive monitoring and management of consumer rights issues [9]. Group 5: Community Engagement and Education - The bank has created a financial education system targeting key demographics, including new citizens, youth, the elderly, and rural residents, to promote financial literacy and risk awareness [10][12]. - Engaging community activities, such as "3.15 Day" events and educational workshops, have been organized to enhance public understanding of financial products and consumer rights [12][14]. Group 6: Commitment to Social Responsibility - The bank emphasizes its commitment to serving the public, especially during emergencies, by providing timely support and services to those in need [19][20]. - Initiatives such as community service activities and financial education campaigns reflect the bank's dedication to improving the lives of citizens and fulfilling its social responsibilities [18][20].

"木子"您好。9日起，全市启动了第三代社保卡第五批集中换发，北京离退休人员（含超转人员等，下 同），可通过市人社局官网、"北京人社"微信公众号等线上渠道申领。集中换发期间，本市离退休人员 以本人2025年9月30日养老待遇代发银行作为换发合作银行开展换发，新退休人员以本人办理退休时所 选择的养老待遇代发银行作为换发合作银行开展换发。 转自：北京日报客户端 您一直在中国工商银行领退休金，所以您应该选择中国工商银行来换发第三代社保卡。领到三代社保卡 后，如果您又有了更换服务银行的需求，可以自行选择社保卡合作银行进行更换。 网友"木子"： 我在工行领退休金，一代社保卡是北京银行发的，换三代社保卡应该选哪个银行呀？ 来源：北京人社 ...

Core Points - The Qingdao Municipal Human Resources and Social Security Bureau, in collaboration with nine partner banks and the Qingdao Qindao Tong Card Co., has launched a comprehensive "social security + finance + transportation" service with the new third-generation social security card [1][2] - The initiative aims to enhance the convenience and satisfaction of citizens in applying for and using social security cards, with approximately 1,300 service points available for various card-related services [1] - Citizens can activate their transportation accounts on the social security card, allowing eligible groups to apply for free cards for public transport, while students and regular citizens can choose different card types [1][2] Service Features - The social security card allows citizens to access over 930 bus routes and 9 subway lines in Qingdao, as well as public transport in over 330 cities nationwide [2] - As of the end of September, over 180,000 citizens have used the social security card for public transport, with promotional offers such as "1 cent bus rides" and discounts on subway fares available until the end of 2025 [2] - Citizens who have not yet applied for the third-generation social security card can do so at partner bank locations with valid identification, receiving their card immediately [2]