在"养老金融+法律"生态方面，北京农商银行联合北京睦邻法律服务中心、北京市中闻律师事务所等机 构，推出"智慧年华 银法同行"公益行动，为老年客户提供法律专题讲座、一对一法律咨询、96198专属 咨询热线等服务。特别是针对老年人普遍关心的遗嘱继承等核心诉求，创新推出银法联动一站式服务模 式，有效解决了老年人在法律事务处理上的困扰。 在"养老金融+文旅"生态方面，北京农商银行搭建了银龄课堂与旅居服务体系。线下网点开设书法、声 乐、模特、摄影等多元课程，并通过联动社区开展"送课上门"活动，让行动不便的老年人也能享受到优 质的文化服务。线上则打造了手机银行"悠学社区"，推出适老化数字课程，联合权威专家推出健康养生 直播，帮助老年人跨越数字鸿沟。此外，银行还与北京人寿、中国康养、神舟国旅等品牌合作，提供异 地康养旅居服务，满足老年人多样化的旅居需求。 2025年，北京农商银行正式推出"金色时光"养老服务生态体系。该体系通过"生态融合、多方合作、平 台开放、共建共享"的模式，将金融服务延伸至养老服务的多个场景，构建覆盖法律、文旅、健康、消 费等领域的综合服务体系。 北京农商银行推出"金色时光"养老服务生态体系，不仅是对自 ...

Core Viewpoint - Beijing Rural Commercial Bank launched the "Golden Time" elderly service ecosystem during the 11th Beijing International Aging Industry Expo, aiming to enhance elderly care services through collaboration with various partners [1][2][4]. Group 1: Elderly Service Ecosystem - The "Golden Time" elderly service ecosystem includes three main service scenarios: "Elderly Finance + Law," "Elderly Finance + Culture and Tourism," and "Elderly Finance + Health" [2][3][4]. - The ecosystem aims to provide comprehensive services that integrate legal, cultural, tourism, and health aspects for the elderly [4]. Group 2: Elderly Finance + Law Ecosystem - The "Elderly Finance + Law" ecosystem features a full-channel legal service model, including a public welfare initiative called "Smart Years, Legal Companion," which offers legal seminars, one-on-one consultations, and a dedicated hotline for elderly clients [2]. - This model focuses on core needs such as inheritance and will-making, providing a one-stop service experience [2]. Group 3: Elderly Finance + Culture and Tourism Ecosystem - The "Elderly Finance + Culture and Tourism" ecosystem includes the establishment of "Silver Age Classrooms" offering various courses and an online platform for elderly-friendly digital education [3]. - Collaborations with well-known brands aim to provide quality travel and living options for the elderly, enhancing their lifestyle [3]. Group 4: Elderly Finance + Health Ecosystem - The "Elderly Finance + Health" ecosystem plans to set up elderly service stations in 75 bank branches, equipped with smart health monitoring devices and offering free services like blood pressure measurement and video consultations [4]. - The initiative includes health care products and services integrated into the daily lives of the elderly, such as special tea offerings [4].