In late spring Zhengzhou, a stage performance blending Yu opera and classical dance, "Mu Guiying Takes Command," won resounding applause. Nearby, several elderly individuals tossed diabolo high into the air, colorful dragons swirling, eliciting gasps of surprise. This was not a professional troupe's tour but the scene of CBHB's Zhengzhou branch second "Bohai Cup" group talent competition. The 600 participants, with an average age of 63 and the eldest being 85, demonstrated through song, dance, and smiles that brilliance is not bound by years; silver years can also shine. This nearly month-long event is just one slice of CBHB's deep cultivation in elderly finance.
From the fiery passion on the senior stage in Zhengzhou to the "Senior Citizen Card" service windows on Tianjin streets, from doorstep services for the bedridden elderly in Suzhou to the vigilance in thwarting fake wealth management scams at a Shenyang branch, this bank is using these "small entry points" to answer a "major question" concerning the later years of hundreds of millions.
**Small Card, Big Livelihood: Let Data Travel More, People Travel Less** "Before, to get a Senior Citizen Card, I had to specially go to three different one-card service points, a hassle taking most of the day. Now I can do it at the bank branch downstairs, and even activate the free bus ride function directly," said Aunt Zhang, 65, from Tianjin, showing her card. This card is not only a free transit pass but also linked to a financial account, offering exclusive wealth management products, utility bill payments, and other benefits.
The change began with the cooperation between CBHB's Tianjin branch and Tianjin City One-Card Co., Ltd. Forty-nine branches across the city simultaneously launched "Senior Citizen Card" agency services, sparing elderly users long trips. More crucially, as an issuing institution for Tianjin's third-generation social security cards, the bank officially began providing application, replacement, and renewal services for these cards starting January 2025, extending its reach to the fine details of daily life—subsidy verification at community canteens, heating bill payments, the Haihe International Consumption Season... In various life scenarios, the third-gen social security card has become a "passport" connecting seniors to city services.
"What we're promoting isn't just card issuance, but making the cards 'come alive'," said a relevant official from the Tianjin branch. Through collaboration with street communities, pension eligibility verification and canteen subsidy disbursements are integrated with the social security card, truly achieving "data travels more, people travel less." By the end of December 2025, tens of thousands of elderly individuals in Tianjin alone had completed the upgrade to third-gen social security cards locally, with coverage rapidly expanding.
**"Slow Service" Bridging the Digital Divide: Safeguarding Seniors' Wallets and Sense of Security** In Suzhou, 78-year-old Grandpa Li, living alone and with mobility issues, was unable to visit a branch to renew a fixed deposit. Upon receiving his request for help, two staff members from CBHB's Suzhou branch arrived at his home with mobile equipment. The entire process, recorded on video with dual-person verification, was completed in under 20 minutes. "I never thought the bank could come to my home, it's so considerate," Grandpa Li remarked.
Such "doorstep service" has become routine for the Suzhou branch. For the elderly, frail, or ill, the branch has established a standardized process—dual-person visits, video verification, audio and video recording—ensuring "standards and oversight." At branch counters, service personnel have developed a set of "slow service" principles: speak slowly, use moderate volume, explain professional terms in plain language. "If an elderly person doesn't hear clearly, we repeat it. If they don't understand, we rephrase it. The key is making them feel respected," a teller shared.
This patience extends beyond service attitude to financial security. Once, an elderly customer at the Shenyang branch inquired about a "high-return wealth management product," sounding urgent. The teller敏锐ly detected something amiss, proactively highlighted risks, and guided the customer to call the official客服 hotline for verification—it turned out to be a fake wealth management scam targeting seniors. After successfully preventing the loss, the elderly customer held the teller's hand, repeatedly thanking them.
Similar scenes are unfolding across CBHB. Offline, throughout 2025, the bank conducted over 2,300 anti-fraud awareness activities entering communities, nursing homes, and universities for the elderly, using local dialect explanations and case study booklets to接地气地 enhance seniors' "fraud immunity." Online, the mobile banking "Bohai Large Font Edition" simplifies complex menus, and customers aged 60 and above can "one-touch direct" to a human客服 representative when calling the hotline. The digital divide and information gaps are being gradually filled by these thoughtful details.
**From Products to Ecosystem: The "CBHB Model" of Elderly Finance Supports a New Silver Life** Age-friendly services address the issue of "using with peace of mind," but the deeper question of elderly finance is: How to ensure seniors are "cared for and supported in their old age"? This requires a product system and industrial support covering the entire lifecycle. CBHB's answer lies in starting from the service philosophy of "one card, one suite of products, one set of services, one team, a lifetime of companionship," extending into a new ecosystem for elderly finance.
CBHB's Shanghai branch seized the opportunity of the first Shanghai Elderly Learning Course Exhibition to set up a themed exhibition area "Caring for the Silver-Haired Group, Building a Quality Later Life Together." Through "Practical Financial Anti-Fraud Lessons," they普及 safety knowledge, offered趣味 courses like "Playful in Old Age" brain challenges and traditional Chinese medicine手工 DIY, and provided暖心 services such as TCM consultations, health礼包, and Double Ninth Festival prize draws,全方位助力 elderly friends enjoy a smart and healthy life.
As one of the first commercial banks authorized for personal pension business, CBHB has established a product spectrum of "exclusive deposits, exclusive wealth management, exclusive insurance," launched the "Bohai Card" designed specifically for elderly客户 and the paper-based fixed deposit certificate "Sui Yue Cun" (Years of Joy Deposit), jointly issued the first敬老 wealth management product with Bohai Wealth Management, and innovatively created the "Bohai Family" wealth inheritance system. By the end of December 2025, the total funds deposited into personal pension accounts increased by 46% year-on-year—behind this number is a growing number of ordinary people seriously planning their "second life."
Simultaneously, CBHB has turned its attention "upstream" to the elderly care industry. After obtaining qualification from the Ministry of Civil Affairs for pre-paid fund supervision of elderly care institutions, the bank has been advancing the construction of pre-paid fund supervision systems for such institutions in Tianjin, Hebei, Anhui, and other regions, fortifying financial security defenses. It also actively serves entities like康养 groups and health养老 companies, using financial resources to support domestic demand expansion and real economic development.
From one Senior Citizen Card to a silver-aged talent competition, from one doorstep service to a整套 elderly financial product system, CBHB is translating the national strategy of "actively responding to population aging" into specific, tangible民生实事. As a relevant bank official stated, "Elderly finance is not冰冷 numbers; it is a warm答卷 concerning every ordinary person's 'care and joy in old age.'" This is precisely CBHB's original intention and responsibility: responding to people's livelihood aspirations with financial warmth and serving national strategy with professional strength. Looking ahead, this "CBHB warmth" will continue to flow, writing warmer footnotes for the high-quality development of the silver economy.
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