How to solve the difficulty of applying for the business of the elderly?Expert: Strengthening financial services and aging transformation

At present, Shanghai has entered the stage of comprehensively restoring normal production and living order. The business of financial business, especially the elderly, new citizens, small and micro enterprises, and individual industrial and commercial households, ushered in a peak. Many media reports that some banks in Shanghai have arisen for a long queue for the elderly.

To this end, the Office of the Shanghai Banking Regulatory Bureau issued the "Notice on Further Doing a Better Financial Services for Bank Outlets to Meet the Citizen's Centralized Proceeding Business Demand" (hereinafter referred to as the "Notice"). The "Notice" requires that banks should do a good job in business outlet service management and plan, appropriately extend business service time, appropriately increase business windows and front -line staff, improve refined service capabilities, do a good job of infrastructure guarantee, and strengthen the transformation of aging facilities.

The "Notice" clearly states that for key outlets that have a concentrated population in the surrounding community, the development of pension business, and temporarily close other outlets nearby, etc., it shall adopt a phased temporary early business or delayed business Measures such as disinfecting work efficiency to extend service time, improve service efficiency, and publicize the latest service time through various channels. Improve the on -site and non -on -site appointment services to avoid customers waiting for a long time. Provide "green channels" for elderly customers with inconvenience.

At the same time, in order to alleviate the situation of queuing business, ICBC Shanghai Branch, Postal Savings Bank Shanghai Branch, Bank of China Shanghai Branch, and CCB Shanghai Branch and other state -owned banks have taken relevant measures, including extending working time To set up exclusive channels for the elderly, more staff, and outlets should be opened.

It is worth mentioning that the "Notice" specifically mentioned the renovation of aging aging facilities, stating that it is necessary to respect the habits of the elderly, retain and improve artificial services, counter services, and reasonably arrange traditional financial services such as offline hydropower and coal payment. Promote the application of the old mobile phone bank app to further optimize the interface service method to facilitate the elderly to obtain information and services. Improve emergency protection measures, take effective measures for the elderly, such as social security capital issuance and pension collection, etc., and take effective measures to reduce the waiting time.

In recent years, as my country has gradually entered an aging society, the banking industry is suitable for old financial services and product transformation, which is not only an important measure to help the elderly adapt to scientific and technological progress and share social development results, but also the banking financial institutions to adapt to the changes in the age structure of the population. The inevitable requirement of high -quality development.

At the same time, a series of policies to promote the aging of financial services have also been introduced frequently. In December 2020, the General Office of the People's Bank of China issued the "Opinions on improving the degree of convenience of the elderly", which put forward a number of measures from the aspects of improving business security measures and improving the degree of convenience of mobile payment for the elderly to help the elderly cross the payment to pay the payment "Digital gap" in the field. In March 2021, the General Office of the CBRC issued the "Notice on Resolving the Smart Technology Difficulty of the Elderly" by bank insurance institutions, pointing out that it is necessary to further solve the difficulties encountered by the elderly in the field of bank insurance services, so that the elderly will allow the elderly Better the results of the information development of the financial industry. In December 2021, the China Banking Regulatory Commission issued the "Strengthening the Protection of Financial Consumers' Rights and Interests and Enhance the Level of Financial Services", emphasizing the vigorous development of financial technology that adapts to the elderly. Financial Services.

The person in charge of the relevant departments of the China Banking Regulatory Commission previously stated that on the one hand, the banking insurance industry must give full play to the guarantee of traditional service methods; on the other hand, vigorously develop financial technology that adapts to the elderly, such as the "elderly version" mobile application software, and automatically will automatically will automatically automatically will automatically will automatically automatically will automatically. The elderly call to access artificial seats, simplify the steps of self -service terminal operation, etc.

Liu Feng, Secretary -General of the China Banking Association, said that the banking industry should deeply tap the needs of financial services for the elderly, focus on the high -frequency service scenarios of the elderly, establish a long -term mechanism for improving the level of financial services, and innovate the traditional service methods and intelligent service innovation Combining, optimize the process of old financial services, accelerate online and offline aging transformation, research and development and launch are more in line with the financial services and products of the elderly, enhance the financial knowledge literacy and risk prevention capabilities of the elderly, and effectively protect the legitimate rights and interests of the elderly. Create a financial service environment with temperature for elderly customers.

"For financial institutions, both from the perspective of business development or from the perspective of social responsibility, they must develop the pension financial business and serve the elderly customer groups well. Especially the use of fintech means to improve the efficiency of the service service and the service efficiency of pension customer service and the efficiency of the service of pension customers and the efficiency of the service of pension customers and the efficiency of the service of pension customers and the efficiency of the service of pension customers and the efficiency of the service of the elderly customer. Experience, build a temperature -conscious pension financial service system. "Dong Ximiao, chief researcher at Zhailian Financial and part -time researcher at Fudan University Financial Research Institute.

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