民生银行深知，亲子金融的本质是金融服务与教育陪伴的深度 融 合。除 了 发挥专业优势 协助家庭做好孩子的财富规划与财商培养，"民生同行"更致力于成为家庭的陪伴者，以金 融为纽带、财商教育为切口，将服务延伸至未成年人的素养培育与人格塑造之中。通过 共 建 金融场景， 将 品牌 转化 为亲子关系的桥梁与粘合剂，赋能现代家庭教育，陪伴儿童成 长。 近日 ， 中国民生银行 在手机银行端正式上线亲子专区，集中呈现旗下亲子服务子品牌"民 生同行"产品权益体系。该专区是民生银行为亲子家庭打造的线上金融服务总入口，整合并 展示了儿童账户、财富小管家、专属理财、重点信用卡等核心金融功能及生日红包礼、儿童 财商课堂、亲子公益等非金权益内容，进一步提升亲子服务的系统性、便捷性与陪伴感。 成立 30 年来，民生银行始终坚守"服务大众，情系民生"使命，用心用情服务客户。 此次 亲子专区上线，是"民生同行" 亲子服务 品牌发展的里程碑 ， 标志着民生银行亲子客群服 务体系全面升级。 亲子金融升温， "民生同行"陪伴成长 如今，越来越多 的 孩子开始拥有压岁钱、零花钱、奖励金等可支配资金，如何引导孩子正 确认识与管理财富也成为了家庭教育中 ...

成立30年来，民生银行始终坚守"服务大众，情系民生"使命，用心用情服务客户。此次亲子专区上线， 是"民生同行"亲子服务品牌发展的里程碑，标志着民生银行亲子客群服务体系全面升级。 亲子金融升温，"民生同行"陪伴成长 江南时报讯 近日，中国民生银行在手机银行端正式上线亲子专区，集中呈现旗下亲子服务子品牌"民生 同行"产品权益体系。该专区是民生银行为亲子家庭打造的线上金融服务总入口，整合并展示了儿童账 户、财富小管家、专属理财、重点信用卡等核心金融功能及生日红包礼、儿童财商课堂、亲子公益等非 金权益内容，进一步提升亲子服务的系统性、便捷性与陪伴感。 如今，越来越多的孩子开始拥有压岁钱、零花钱、奖励金等可支配资金，如何引导孩子正确认识与管理 财富也成为了家庭教育中的必修课。然而，在实际操作中，财商培养绝非易事——钱完全交给孩子，难 免担心风险；由家长全权代管，又可能错过孩子成长中的财商教育及财富管理体验的机会。在安全护航 与自主探索之间，家长们需要一套能精准把握分寸的解决方案。 作为国内较早洞察亲子家庭金融与教育需求的金融机构，民生银行近年来积极布局亲子金融领域，并推 出"民生同行"子品牌。通过在账户管理、数字化应用 ...

Core Insights - The article highlights the growing trend of children's financial education and the role of banks in providing tailored financial services for children, emphasizing the importance of instilling financial literacy from a young age [1][2][6]. Group 1: Children's Financial Services - Banks are increasingly offering specialized financial products for children, such as dedicated savings accounts and financial management tools, to help them manage their money effectively [4][5]. - Beijing Bank launched the "京萤计划" (Jingying Plan) to provide a range of children's financial services, evolving from version 1.0 to 3.0, which includes features for family interaction and digital management [2][3]. - Other banks, like China Merchants Bank and Minsheng Bank, have introduced innovative services like "金小葵管家" (Golden Little Sunflower Butler) and "财富小管家" (Wealth Little Butler) to cater to the financial needs of children and their parents [2][3]. Group 2: Financial Literacy and Education - The concept of financial literacy for children is gaining traction among parents, who are increasingly focused on teaching their children about money management [1][6]. - Banks are creating child-friendly environments in their branches, including dedicated areas for financial education and activities, to engage children in learning about finance [3][5]. - The collaboration between banks and educational institutions has led to numerous events aimed at promoting financial literacy among children, with over 30,000 activities held [3]. Group 3: Market Trends and Future Directions - The children's financial market is seen as a significant growth area for banks, with the potential to enhance overall family banking services [6][7]. - As competition increases, banks are encouraged to develop differentiated financial products tailored to various age groups, ensuring that services meet the specific needs of children at different developmental stages [7]. - The future of children's financial services may involve more personalized offerings and engaging educational initiatives to foster financial literacy [6][7].

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]