The financial spring breeze helps the high-quality development of the silver economy

Mo Dao mulberry night, for the sun is still full of sky. In 2023, the number of elderly people over 60 years old in mainland China will exceed 297 million. With the deepening of the aging of the population, improving the old-age security system is an important part of improving the social security system and one of the important directions to ensure people's livelihood.

The Central Financial Work Conference clearly regarded pension finance as one of the "five major articles" to build a financial power, and pointed out the direction for the development and growth of the pension financial system. As a national systemically important bank and the largest corporate bank in Jiangsu, Bank of Jiangsu actively deepens the construction of the pension financial system, and promotes the continuous improvement of the software and hardware level of pension financial services by supporting the high-quality development of the pension industry, providing online and offline services for the elderly, and innovating pension products to expand the breadth of financial supply, and strives to build a warm and powerful pension financial service brand.

The starting point contains "gold", and "credit + leasing" is a comprehensive force

——"Living water and clear springs" moisten the pension industry

From "old-age care" to "enjoying old age", open a new chapter in the old age. In January this year, the General Office of the State Council issued the "Opinions on Developing the Silver Economy and Improving the Well-being of the Elderly", which clearly stated that it is necessary to implement the national strategy of actively responding to the aging of the population, accelerate the development of the scale, standardization, clustering and branding of the silver economy, and cultivate high-tech products and high-quality service models. Bank of Jiangsu actively provides "living water from the source" for the pension industry and health industry to improve the pattern and optimize services, and cultivates fertile soil for the development and growth of the silver economy. As of the end of March this year, the balance of loans to the bank's pension economy-related industries reached RMB1.05 billion.

The supply of high-quality personal pension services is inseparable from the vigorous development of the pension industry. Anhui Hengkang Industrial Co., Ltd. (hereinafter referred to as "Hengkang Industry") is responsible for the operation of 42 elderly care institutions in Yinqiao District, Suzhou City, of which nearly 3,000 beds provide suitable services for the elderly in the district and its subordinate towns. In 2022, Hengkang Industrial plans to renovate and renovate all elderly care institutions to improve the elderly care environment. However, the project team faced a huge funding requirement of about $157 million.

Knowing the situation, Suyin Financial Leasing Co., Ltd., a subsidiary of Bank of Jiangsu, took the initiative to contact the service, and provided 100 million yuan of financial support for Hengkang Industry in a timely manner in the form of sale and leaseback with medical equipment and pension furniture purchased by the pension institutions under the name of Hengkang Industry, so as to better enhance the pension service capacity of Yongqiao District and contribute to the development of the local pension industry.

With the blessing of fashion technology, the pension industry has a "new look". Suzhou Jiujiu Chunhui Pension Service Co., Ltd. is a veteran pension institution in the region, with an annual operating income of 34 million yuan, more than 500 nursing staff, and a total of more than 10,000 families to provide door-to-door care services. In response to the pain points of cumbersome collection and payment of fees, Bank of Jiangsu Suzhou Branch "customized" the online fund management and payment project plan for the enterprise, and completed the system launch within 10 working days under the efficient collaboration of the branch's corporate business department, financial technology department and sub-branch, which is also the branch's first open banking "smart pension" scenario project.

"Thank you for helping us solve the problem of our development!" said the person in charge of Suzhou Pukang Smart Pension Industry Technology Co., Ltd. was overjoyed. As a "National Smart Health Elderly Care Application Pilot Demonstration Enterprise", this company has carefully created a "one-stop" service for the elderly such as community elderly care door-to-door service, day care, and elderly canteen.

This year, the company's newly created "Special Elderly Group Companion Zone" began to operate, and the demand for operating liquidity has also increased, and other credit enhancement measures are urgently needed. After learning the news, the staff of the Suzhou branch of the Bank of Jiangsu visited the company as soon as possible to understand the situation, and provided a credit loan of 5 million yuan for the enterprise in only three days to help the enterprise alleviate the financing problem.

As of the end of 2023, Bank of Jiangsu Suzhou Branch has provided more than 10 million yuan of credit loans for pension service institutions, which is also a vivid epitome of Bank of Jiangsu's activation of the pension industry.

The pen is "colored", and the old age shows the "temperature"

——Renovation and upgrading to build a "financial home"

In order to build a "financial home" at the doorstep of the elderly, Bank of Jiangsu has realized the full coverage of the hardware transformation of the outlets for the elderly, and is equipped with special seats for the elderly, reading glasses, wheelchairs, drinking water and other facilities suitable for the elderly. In view of the outlets where elderly customers are concentrated, the bank has set up a special customer service area for the elderly, formulated a unified decoration design specification for the elderly, carefully completed the renovation and upgrading projects such as non-slip floor tiles, electronic screens for the elderly, books and magazines, photo walls, convenient service cabinets, massage chairs, negotiation tables and chairs, etc., and arranged special personnel to provide docking services to further improve the level of basic financial services. In addition, Bank of Jiangsu continues to improve the medical emergency guarantee services of its outlets, cooperates with the Red Cross and other institutions, and equips its outlets with cardiac emergency equipment and other medical supplies to "escort" the healthy life of elderly customers.

Walking into the Huai'an branch of the Bank of Jiangsu, the elderly were crowded in front of the "green channel" window, and the staff patiently and meticulously guided the business for the elderly one by one, greatly shortening the waiting time for business processing. In the bank's "Love Station", a number of public welfare facilities such as blood pressure monitors and love wheelchairs are readily available. The bank has also specially prepared a wealth of convenient service facilities such as umbrellas, raincoats, money counters, and first-aid kits, which are open to users free of charge.

In 2023, 5 outlets of Bank of Jiangsu Huai'an Branch won the title of "2023 Jiangsu Banking Industry Civilized and Standardized Service for the Elderly", which is the largest number of institutions in Huai'an and Jiangsu banking system in the whole year. "This year, we will regularly conduct random inspections and re-inspections of the outlets that meet the standards for the elderly, consolidate the effectiveness of the service for the elderly, and enhance the brand power of pension finance. The relevant person in charge of the Huai'an branch of the Bank of Jiangsu said.

"In recent years, we have successively applied to the Banking Association for 4 outlets suitable for the elderly, and all of them have passed the acceptance. At present, the outlets for the elderly that have been successfully created include Chengbei Branch, Xinjiekou Branch, Xianlin Branch, and Jiangning Branch. The person in charge of the Nanjing branch of the Bank of Jiangsu said that when elderly customers come to the bank's outlets, they can experience exclusive elderly service areas, convenient service facilities, books and posters, tea breaks, and even massage chair services and sewing services.

In the hall of the business department of Yancheng Branch of Bank of Jiangsu, a public welfare area for the elderly has been set up, equipped with health examination all-in-one machine, defibrillation equipment and other facilities to help the elderly and facilitate the people, providing the public with a series of health examination functions such as blood glucose, blood lipids, blood pressure, blood oxygen analysis and so on, so as to provide intelligent and convenient health services for the masses. In 2022, the bank was rated as a "suitable outlet for the elderly" in Jiangsu banking industry.

A number of outstanding outlets, including the Business Department of Yangzhou Branch, the Business Department of Suqian Branch, Xiangcheng Sub-branch of Suzhou Branch, and Rudong Sub-branch of Nantong Branch, were successfully awarded the title of "Civilized and Standardized Service for the Elderly in Jiangsu Banking Industry", and Wuxi Branch was awarded the title of "Civilization for the Elderly" in Wuxi...... Behind a series of heavy honors, there is the unchanging original intention of the people of Jiangsu Bank who are full of true feelings, respect for the old and love the old.

The pen contains "love", and digital intelligence empowers the life of the elderly

-- Crossing the "Digital Divide" and Enhancing the "Sunset Red"

Bank of Jiangsu focuses on helping the elderly and improving the accuracy and intensity of financial services. While making efforts to transform the intelligent branches of the bank, the bank has also observed the needs of elderly customers in a more subtle way, helping the elderly to cross the "digital divide" and allowing them to fully enjoy the "convenience of the times" of mobile financial services.

According to statistics, the Bank of Jiangsu APP has about 1.4 million customers over 60 years old and 650,000 monthly active customers. Bank of Jiangsu has polished the payment service for the elderly, and launched the "caring version" mobile banking APP, which has a larger font size and a more concise operation interface, which is in line with the usage habits of elderly users. In addition to common financial services such as transaction records, transfer and remittance, deposit services, etc., the "Care Edition" mobile banking app also includes "one-stop and diversified" life service scenarios such as medical insurance electronic vouchers, electronic social security cards, one-click taxis, and living expenses.

The key information is easy to read, the main functions are easy to find, and the operation steps are easy to understand. With a little bit of Bank of Jiangsu's "Caring Edition" mobile banking APP, you can quickly view nearby offline outlets by dropping down on the home page. In addition, rich functions such as "account security lock" and "financial knowledge education area" fully solve the worries of the elderly about using fast payment. Bank of Jiangsu's "Caring Edition" mobile banking app provides 10 special functions for the elderly, covering a total of 750,000 customers.

Adhering to the mission of "creating a better life", Bank of Jiangsu has joined hands with Shenzhen Information Accessibility Research Association to optimize the information accessibility of the three main functional modules of mobile banking: deposit, wealth management and transfer, and at the same time use the latest biometric technology to provide customers with fingerprint, face authentication services and voiceprint login methods in the login process. This effectively lowers the threshold for elderly customers and people with information barriers to use mobile financial services, so that they can enjoy digital life with equality and dignity. While continuously improving the level of smart finance construction, Bank of Jiangsu is also committed to enabling a large number of elderly users, disabled users and other people with information barriers to enjoy financial services equally and with dignity.

"Grandparents, you can quickly contact our customer service ...... by clicking on this 'one-click help' button" In the "Digital Intelligence Classroom" of Lianyungang Branch of Bank of Jiangsu, the old people wore reading glasses and followed the financial manager's hand-in-hand teaching to experience the use of the "caring version" mobile banking APP of Bank of Jiangsu. Since 2023, Bank of Jiangsu Lianyungang Branch has continued to carry out various publicity activities for the elderly, and the staff has gone into major communities and business districts to promote the "caring version" mobile banking app of Bank of Jiangsu to the elderly, and actively carried out anti-fraud publicity for the elderly, reminding the elderly to improve their awareness of risk prevention and protect the "money bag" of the elderly, which has won high praise and praise from the local community.

In order to enhance the sense of gain, happiness and security of customers, as of the end of the first quarter, Bank of Jiangsu Huai'an Jinhu Branch has carried out a total of 12 smart phone service activities for elderly customers. While helping the elderly cross the "digital divide" in financial services, it also reflects the social responsibility and responsibility of Bank of Jiangsu.

There is "power" in the pen, and "financial + non-financial" extension service tentacles

——"Exclusive system" to improve the "happiness index"

In recent years, in order to meet the diversified financial service needs of elderly customers, Bank of Jiangsu has innovated product supply, extended the "tentacles" of pension financial services, and promoted a professional rights and interests service system. By the end of March, the Bank had issued a total of 980,000 debit cards for elderly customers.

For individual customers over the age of 50, Bank of Jiangsu has launched the "Suyin Wealth Management Rongda No. 1 - June E Model" special wealth management product to help the elderly stabilize their asset income, with a cumulative sales volume of more than 230 billion yuan since its launch in October 2021.

"Look at the camera, one, two, three, eggplant!" On October 23, 2023, in front of the picturesque landmark of Phoenix Mountain Forest Park in Shenzhen, the smiles of more than 30 elderly people were frozen. Under the careful organization of the Science and Technology Sub-branch of the Shenzhen Branch of the Bank of Jiangsu, the elderly actively participated in the theme climbing activity of "Respecting the Elderly when the Double Ninth Festival Ascends" and spent an unforgettable festival.

Inherit the charm of intangible cultural heritage and feel the beauty of the quintessence of the country. The Business Department of Bank of Jiangsu Suzhou Branch, together with Suzhou University for the Elderly, launched 18 courses on "Searching for Suzhou's Intangible Cultural Heritage", invited 7 intangible cultural heritage inheritors as teachers, and led more than 50 elderly customers to participate in the research of Suzhou's intangible cultural heritage such as imperial kiln gold bricks, Suzhou embroidery, Taohuawu woodcut New Year paintings, silk, and mahogany carving, so as to help inherit the excellent traditional Chinese culture.

The Chuzhou Sub-branch of Huai'an Branch of Bank of Jiangsu took the initiative to go deep into the community, and successively carried out activities such as pension publicity, collective birthday party, Dragon Boat Festival zongzi making, and Chongyang Festival art performance, which not only demonstrated the bank's social responsibility and good image, but also allowed community residents to truly experience "neighborhood, family, warm hearts of the elderly".

There are wonderful months and themes, and a variety of activities allow the concept of "finance +" to enter thousands of households from banks. Bank of Jiangsu continued to carry out characteristic brand activities, sang the "Four Seasons Cultural Song" with special theme activities such as "New Year Dragon Rises", "Treasure Parents Show" and "Hele Family Portrait", and sent blessings, warmth and knowledge to the majority of elderly customers through online live video broadcasts, visits to communities and universities for the elderly, etc., covering nearly 120,000 customers in 2023.

Keep the "last checkpoint" of pension fraud. In August 2022, the province's first "Pension Anti-Fraud Internet Information Corner" was officially established in Zhenjiang Branch of Bank of Jiangsu. The Zhenjiang Branch of the Bank of Jiangsu also launched the "Joint Proposal for Pension Anti-fraud", calling on the city's banking system to give full play to the responsibilities and functions of banks and take the initiative to assume the social responsibility of anti-fraud for the elderly.

In order to strengthen the publicity of investment education and make financial knowledge and the elderly "common", Bank of Jiangsu actively carries out activities such as "Party members go into the community to popularize financial knowledge", and carries out cultural salons, handicraft activities and other colorful activities that elderly residents like to see around the characteristic themes of elderly finance and health management, so as to publicize the common sense of financial security and continuously improve the accuracy and effectiveness of financial publicity for the elderly.

In the future, Bank of Jiangsu will also increase efforts to expand personal pension accounts, build a full-cycle product system for personal pension, and upgrade the "warmer" pension financial brand.

Disclaimer: This article does not constitute any investment advice to anyone. Intellectual Property Rights Statement: The intellectual property rights of Bread Finance works are owned by Shanghai Miaotan Network Technology Co., Ltd.