记者梳理发现，金融行业在响应人口老龄化、提升老年群体金融服务体验方面持续发力，近年来多个省 份已结合实际陆续发布地方性团体标准，推动形成覆盖城乡的适老服务体系。此次我省团体标准制定过 程中，中国人民银行河南省分行依托河南省金融学会，聚焦老年群体存在的支付痛点，发放支付服务适 老化调研问卷近2万份，收集省内银行网点从业人员、老年客户等群体意见建议500余条，探索以系统 性、标准化设计，推动支付服务适老化工作从政策要求转化为可操作的实践路径，确保该《指南》既符 合政策导向，又契合支付供给实际。 中国人民银行河南省分行相关负责人表示，将推动辖内银行业金融机构统一思想、积极响应，进一步优 化适老支付服务供给，为银发经济高质量发展注入金融动能。（记者 李鹏） 责任编辑： 王苑 1月5日，记者从中国人民银行河南省分行获悉，我省正式发布团体标准《河南省银行业金融机构适老支 付服务工作指南》（以下简称《指南》），旨在通过标准化引领，推动辖内银行业金融机构规范开展支 付服务适老化建设，帮助老年群体跨越"数字鸿沟"，全面提升支付服务的可得性、便利性、包容性和安 全性。 据了解，《指南》涵盖9个部分、16项二级指标、10项三级指标 ...

Core Viewpoint - The People's Bank of China (PBOC) in Bazhong is implementing a series of practical measures to enhance financial services for the elderly population, which constitutes a significant portion of the local demographic, aiming to improve their access to banking services and overall financial well-being [1]. Group 1: Building a Service Network for the Elderly - The PBOC in Bazhong has established a comprehensive service network to address the financial needs of elderly individuals, particularly in rural areas where banking services are limited [2]. - Initiatives include the construction of accessible banking outlets, installation of "love windows" for elderly customers, and the provision of essential services such as cash withdrawal and passbook services [2]. - The bank has also deployed over 360 passbook ATMs in remote towns and upgraded 869 rural financial service platforms to integrate high-frequency services like payments and medical insurance [2]. Group 2: Enhancing Service Quality - The PBOC has focused on upgrading the quality of services for the elderly by optimizing service processes and providing dedicated staff to assist elderly customers [3]. - Training programs for frontline staff have been implemented to improve communication skills and emergency response capabilities [3]. - Post-implementation statistics indicate a 40% reduction in the time taken for elderly customers to complete transactions and a satisfaction rate of 98.6% [3]. Group 3: Creating a Brand for Elderly Services - The PBOC has developed the "Bashiyi Payment" brand, which includes a comprehensive service framework aimed at bridging the digital divide for the elderly [4]. - Various initiatives have been launched, such as financial education classes in senior universities and community centers, and the establishment of a "Silver Medical Platform" for seamless medical payments [4]. - Since 2025, the city has conducted 1,955 financial education sessions, reaching approximately 29,000 elderly individuals to enhance their financial security [4].