Hangzhou Banking Industry improves the level of aginging financial services

Recently, the Hangzhou Banking Insurance Supervision Office helped introduce the "Guidelines for the Saipan Financial Services" specifications, focusing on the four aspects of institutional mechanism, product and technology transformation, outlet construction and services, education propaganda, and consumer rights protection. The transformation and upgrading promotes the results of Hangzhou's digital finance to benefit more aging groups.

Old

Focus on the standardization of outlets

Improve the configuration of outlets for old hardware facilities to optimize the financial service environment. Hangzhou Banking institutions set up special seats for the elderly customers for elderly customers. They are specially equipped with old flowers, civil medicine boxes, wheelchairs and other supporting old equipment, and gradually promote the transformation of barrier -free facilities for conditional outlets. Comfortable financial service hardware environment.

Optimize outlet counter service processes and create a warm service window. In terms of outlet settings, the local banking industry is preferred to open up green channels for the elderly, and combined with pension distribution such as pension to implement the "tidal" window mode.

Carry out outlets self -service equipment to have a standardized reconstruction of old -age standardization to improve the convenience of the elderly using self -service equipment. The Hangzhou Branch of Industrial Bank has realized all outlets in all outlets in the jurisdiction of the ATM self -service channels to launch large -character version services, covering functions such as large -character query and self -service access. At the same time, the service staff of the institutional outlets assist the elderly to carry out various halls of smart machinery experience projects, alleviate the "panic" emotions of the elderly's smart machines, and gradually familiarize themselves with self -service equipment use skills.

Cultivate and build demonstration outlets to strengthen the leading effect of financial services for aging groups. The Bank of Communications Zhejiang Branch has created three suitable aging benchmarks in Hangzhou. It fully considers the needs of the elderly in all aspects of software and hardware services, and effectively promote the healthy development of the elderly financial services of Hangzhou Bank.

Zhejiang Rural Commercial Bank instructed the elderly to use smartphones

Old and beneficial

Focus on intelligent technology transformation and promotion

Promote the aging transformation of the mobile banking APP client. Combined with the characteristics of the elderly group and the required high -frequency services, Hangzhou's financial institutions streamline the page service content, provide social security, medical health, and living payment such as citizen functional modules. Simple, convenient and flexible needs. Hangzhou Banking Insurance Supervision Office encourages banking institutions to explore the innovation of appropriate application function. Nanjing Bank Hangzhou Branch set up a family account association service at its mobile app client, allowing the opening of a large -scale dynamic flow direction function to obtain a large amount of funds for related people, and timely obtain information when the elderly have large or abnormal capital transactions. , Ensure the security of account funds.

Guide PAD and other portable mobile terminals to improve improvement. Combined with technological innovation such as 5G communication, banking agencies provide on -site extension counter services for the elderly who cannot go to the outlets due to inconvenient actions. After Hangzhou Bank entered the service needs submitted by the elderly through telephone and other forms, after entering the appointment service platform, the relevant professional teams have been dispatched in time. Since this year, a total of 288 on -site services have been provided in nursing homes, hospitals, remote rural areas, and customers. Customers are urgent.

Create a customer service exclusive "silver -hair heat line". The Bank of China Hangzhou Branch adds the elderly service functions in the bank telephone customer hotline system, and customers who reach the corresponding age will directly report the menu menu by the system and provide one -click transfer of artificial services, the elderly's exclusive customer service seat service Experience.

Older

Focus on diversified demand supply

Strengthen the guarantee of traditional financial services. On the basis of reasonable setting up business outlets, the Hangzhou Banking Insurance Supervision Office urged banking institutions to fully respect the wishes and use habits of elderly customers, retain traditional business forms such as passbooks, and avoid the use of intelligent technical tools to handle business conditions. At the same time, the institutions are promoting the flexible innovation of traditional financial services to better meet the needs of elderly groups. Hangzhou United Bank is equipped with the preferences of passbooks based on the use of passbooks, and configured the accounting book to some of the open bank card accounts, which facilitates elderly customers to check the details and balances of the card in time.

Innovate the launch of old financial products. Zhejiang Tailong Bank Hangzhou Branch launched a series of products of Life Insurance and Senior Medical Insurance, which provides support for elderly groups to obtain professional pension community services and supplementary medical security. Zhejiang Mintai Commercial Bank Hangzhou Branch has launched the special version of Yimin's financial management "integration" financial plan for the elderly group to enrich the wealth management method of the elderly.

The business department of the Lishui Branch of the Agricultural Bank of China carried out the service of the elderly civilization service

Always learn

Focus on financial knowledge promotion and education

Focus on publicity and education in key areas. The Hangzhou Banking Insurance Supervision Office guides the banking institution to focus on the shortcomings of the financial knowledge of the elderly, focusing on the fields of pension, telecommunications network fraud and intelligent technology use, and make full use of the two publicity channels of "online+offline" to continuously increase the risks of elderly groups Prevent consciousness and ability, and enhance the awareness of fintech.

Strengthen work collaborative activities. The banking institutions in Hangzhou fully combine the characteristics of elderly customers and actively cooperate with community education institutions and pension service institutions to develop related training courses. Everbright Bank Hangzhou Branch and Hangzhou Public Security Bureau Anti -fraud Center and Zhejiang Elderly Open University held a live broadcast event of Zhejiang's financial knowledge "cloud classroom". The cumulative number of viewers exceeded 300,000.

Grasp the knowledge of important nodes.Combined with major specialty activity nodes such as consumer education and publicity week and financial knowledge promotion month, Hangzhou Banking Institutions have carried out special education and publicity activities in communities, rural, and pension centers gathered by the elderly to further increase publicity and popularization.Fuyang Rural Commercial Bank and Fuyang District Public Security Branch jointly carried out the "Welcome Asian Games, Bao Ping An · Rich Communist Rich" Police Union -Police Union -Great Visiting Campaign, established 13 visiting teams, and went deep into the village committees, markets, and audiences where the elderly gathered.Knowledge preaching 36 games.Correspondent Yang Zijun Reporter Zhao Qi

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