Before the city awakens, they are already out; when countless lights are lit in homes, they are still on the move. Delivery riders, food delivery personnel, truck drivers, and ride-hailing drivers—this group, affectionately termed the "Two Drivers and Two Riders," form the vital capillaries of urban operation and represent a demographic with an urgent need for financial knowledge. Since March of this year, various branches of CBHB have coordinated their efforts, moving away from a broad, indiscriminate approach to financial education. Instead, they have precisely targeted the work scenarios and life challenges of this group.
CBHB has brought financial workshops to logistics parks, rider rest stations, and ride-hailing vehicle charging points. Through a series of "small yet impactful" and "precise and practical" online and offline activities, the bank has successfully embedded the concept of financial security into the minds of these workers. In the days leading up to Labor Day, "Street Corner Finance Lessons" were organized, encouraging the "city runners" to pause and understand potential risks. Bank staff proactively approached couriers and delivery riders waiting for orders or unloading goods, offering one-on-one explanations during their breaks.
Tailored to the high frequency of mobile payments and significant transaction volumes typical for riders, the educators used real-life cases—such as "fake customer service refund scams," "cash-back rebate traps诱导转账," and "ride-hailing vehicle lease-purchase contract pitfalls"—to clearly deconstruct common fraud schemes. The carefully arranged venues, thoughtfully provided essential supplies, and needs-based course content allowed CBHB to deliver professional financial services directly to the "city runners," creating mobile financial classrooms. Furthermore, the events featured "green service channels" and "small change exchange" services specifically for riders and drivers, enabling quick and convenient assistance without disrupting their work schedules.
If the Tianjin initiative excelled in "scenario integration," the approach taken by CBHB's Changsha branch stood out for its "creative engagement." In late March, the branch collaborated with the Changsha Anti-Fraud Center and a local e-commerce platform to host a unique "Rider Care Day" event at a union station. Instead of dry regulation readings, the event featured a lively "Financial Knowledge Knight Quiz," where riders enthusiastically answered questions about scams they might encounter.
A professional lecturer from the anti-fraud center broke down prevalent cons like "loan fraud" and "cash-back rebate traps," using cases from actual police reports—situations that could easily happen to their peers. A key feature of the event was the distribution of custom-made anti-fraud raincoats to participating riders. Emblazoned with a clear warning—"Before taking a cash-back task, ask yourself: how can a馅饼 fall from the sky?"—the raincoat served as a practical and constant reminder. One rider remarked that the coat not only protected from rain but also from deception, effectively turning him into a mobile advertisement for financial safety.
In April, CBHB's Changsha branch, alongside its partners, produced and released a financial education video series focused on new urban residents. These videos dramatize frequently encountered fraud scenarios, such as cash-back rebate and fake loan scams, using immersive storytelling based on real cases. The narratives are complemented by authoritative explanations from police officers and bank consumer protection specialists, effectively breaking down fraud tactics and teaching avoidance skills to firmly root the principles of safety.
The "Two Drivers and Two Riders" group constitutes a significant part of the new urban resident population and is a key focus for financial institutions practicing the principle of "finance for the people." A representative from CBHB emphasized that engaging this group requires more than just discussing risks; it necessitates offering solutions and showing genuine understanding of their time constraints and hardships. The goal is to ensure that every financial literacy initiative is contextualized, empathetic, and resonant.
Moving forward, CBHB plans to deepen its collaboration with anti-fraud centers and new resident communities. The bank will explore more "lightweight, immersive, and replicable" models of financial education, aiming to sow the seeds of financial security far and wide, carried along by the "city runners" into the hearts of every consumer.
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