Adapting to aging is not only an important measure to help the elderly adapt to scientific and technological progress and social development, but also an inevitable requirement for banking institutions to adapt to the changes of social age structure and achieve high-quality development Green priority channel, silver hair service post station, aging mobile app... In recent years, the aging transformation of banking services is accelerating. Both online and offline efforts and the same transformation of software and hardware not only help elderly customers cross the "digital divide" and better integrate into the intelligent era, but also let them better understand the financial industry and financial products and further feel the temperature of banking services. In the interview, the author observed that the aging transformation effect of many banking institutions is remarkable, and the transformation gradually presents the characteristics of more mechanism, integration and characteristics. Institutionalization - from detailed standards such as speaking speed and counter height to customized and one-stop aging service process, many bank outlets have formed aging transformation rules with general outline and detailed rules, systematically sorted out, upgraded and innovated decentralized measures, became employee service standards and integrated into daily work mechanism; Integration - the integration of online and offline aging services and software and hardware aging transformation to form a complementary and mutually promoting aging service system and improve the service experience of the elderly; Characteristics - banking institutions have accumulated a large amount of information in the process of business development and have certain advantages in data mining and big data analysis. Many banking institutions accurately portray the corresponding elderly customer groups through big data analysis and offline investigation, and launch more targeted products and services. The introduction of these Measures means that the banking industry adheres to the people-centered development idea and puts the adaptation to aging transformation in a more important position. Adapting to aging is not only an important measure to help the elderly adapt to scientific and technological progress and social development, but also an inevitable requirement for banking institutions to adapt to the changes of social age structure and achieve high-quality development. According to the data of the seventh census, the degree of population aging in China has further deepened. While the number of elderly groups is increasing, their characteristics are also changing. Unlike the "low income and heavy savings" in the past, there are more and more elderly people who have accumulated a certain amount of wealth, have a stronger willingness to consume, invest and manage money, and there is no lack of high net worth people. Many institutions predict that the next decade will be a period of rapid development of the "silver economy". Banking institutions can further enhance their market competitiveness only by continuously optimizing, innovating and providing services suitable for the elderly. Optimizing and Innovating Services for the elderly requires deeper reform. From the transformation content, it is relatively easy to optimize the online operation interface and transform the offline service environment, but it involves deeper services, such as providing more suitable financial and insurance products for the elderly group and meeting the increasingly diversified financial needs of elderly customers. There is still much room for improvement. Banking institutions should use financial technology to further strengthen the investigation and Research on the elderly customer group, and provide differentiated products and services for the elderly with different ages, incomes, occupations, living areas and family assets. Optimizing and Innovating Services for the elderly should be extended to a wider range. The demand for financial services for the elderly is more focused on the elderly. It is a general trend to develop more "Finance + elderly care" service scenarios. Suitable services for the elderly can be extended from the financial field to the non-financial field, such as combining with pension housing, pension services and other fields to provide more pension solutions for the elderly. Elderly services can also extend from outlets to communities, provide more door-to-door services, open up the "last mile" of serving the elderly, and further understand and master the needs of the elderly while expanding the service radius. To optimize and innovate services for the elderly, we should work towards a safer direction. It is an important responsibility of banking institutions to protect the "money bags" of the elderly. The elderly's ability to distinguish and prevent risks is relatively weak. On the one hand, banking institutions should strengthen the popular science publicity of elderly people's anti fraud and help the elderly better identify risks. On the other hand, when developing aging financial products, they should pay attention to the safety of products. Finance is based on serving the real economy and people's life. The supply of high-quality financial services should not only have excellent professional ability, but also have more humanistic care. Adapting to aging has opened an important entrance for the banking industry to improve its ability to serve people's life. Only by making the transformation normal and more accurate can we bring more warmth and protection to elderly customers. (outlook new era)
Edit：Yuanqi Tang Responsible editor：Xiao Yu
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