Core Viewpoint - The article highlights a recent initiative by Agricultural Bank of China (ABC) Jinan Ningjiabu Branch to provide home service for elderly clients who are unable to visit the bank in person, demonstrating a commitment to customer-centric service [1] Group 1: Customer Service Initiative - ABC Jinan Ningjiabu Branch arranged for staff to visit an elderly client at home to assist with banking services, showcasing a proactive approach to customer needs [1] - During the home visit, staff provided thorough explanations and guidance to ensure the client understood the banking processes, balancing professionalism with warmth [1] - This home service initiative reflects ABC's dedication to extending financial services beyond traditional bank counters, effectively addressing the "last mile" of financial service delivery [1]

Core Viewpoint - The recent news regarding an elderly person being required to withdraw money in person before passing away has sparked widespread social concern about the accessibility of banking services for elderly individuals and those with mobility issues in Jiangmen [1][7]. Group 1: Availability of Door-to-Door Services - Most banks in Jiangmen have indicated that they offer door-to-door services for elderly individuals, typically requiring a reservation one to two working days in advance [1][2]. - Only one bank reported not providing door-to-door services, while others confirmed the availability of such services depending on the specific needs of the elderly clients [2][5]. - Some banks, like Agricultural Bank, allow a representative to accompany the elderly person to authorize door-to-door services, which can be arranged within one to two working days [3][6]. Group 2: Specific Bank Policies - China Postal Savings Bank and Guangzhou Bank confirmed that they provide door-to-door services, with the latter offering same-day service for urgent requests [5][6]. - China Bank requires prior appointment for door-to-door services, and while cash withdrawal can be delegated to others, the person must know the password [6]. - Some banks have specific conditions, such as requiring medical or legal documentation if the elderly person is not fully aware of their actions [6]. Group 3: Enhancements in Elderly Services - The financial institutions are actively improving their services for the elderly, including the installation of barrier-free facilities and the provision of assistive devices like wheelchairs and medical supplies [8]. - Many banks have set up dedicated service windows for elderly clients and adjusted their queuing systems to prioritize them [8]. - The implementation of the "Guiding Opinions" by the National Financial Regulatory Administration emphasizes the need for financial services to be more accessible and tailored to the elderly population's needs [7].

Core Viewpoint - The recent news about an elderly person being required to withdraw money in person before passing away has sparked widespread social concern regarding whether banks should provide home service for special customer groups [2][5] Group 1: Home Service Availability - Most banks in Guangzhou have established mechanisms to provide home service for special groups, although some foreign banks have not yet opened this service [2][4] - Customers can directly call to make appointments for home service without needing to use an app, and banks generally follow a local proximity principle to match nearby branches for service [2][3] Group 2: Service Process and Limitations - The home service process primarily involves identity verification and authorization, requiring the elderly to have clear cognitive abilities and provide identification for themselves and the authorized person [3][4] - Some banks may only complete initial verification at home, requiring family members to visit the branch for subsequent processes, while a few banks equipped with mobile devices can complete the entire process at home [4][6] Group 3: Regulatory and Legal Context - Previous policy documents have emphasized the need for financial institutions to provide home services for elderly individuals, particularly those who are immobile or hospitalized [5][6] - Legal experts indicate that while banks are encouraged to offer home services, there is no mandatory requirement, and refusal of service must be justified [6][7] Group 4: Industry Recommendations - Industry insiders suggest that banks should enhance their services for the elderly by improving accessibility at physical branches and implementing flexible service options such as remote video verification and proxy services [7][8] - Recommendations include establishing "green channels" for elderly customers and improving the physical layout of branches to accommodate their needs [8][9]