At 6 pm on February 3rd, the snow project of Beijing Winter Olympics will be held in Genting Ski Park in Zhangjiakou. China’s Li Nan and Zhao Yang will make their debut in the first round of freestyle skiing snow skills women’s and men’s qualifying competitions. The two players will try their best to advance to the final.

　　At 6: 00 pm on the 3rd, the first round of freestyle skiing snow skills women’s qualifying tournament will take the lead, with 30 athletes from 11 winter Olympic delegations participating. Japan, Australia, the United States, Russia, Kazakhstan and other teams all sent four participants. The oldest female player was Junko Hoshino, a Japanese athlete born in 1989, and the youngest was anastasia, a Kazakh player born in 2005.

　　China Freestyle Skiing Snow Skill Team will send two athletes to participate in the women’s and men’s events in this Winter Olympics. China made a breakthrough in the Beijing Winter Olympics cycle. Zhao Yang, a 29-year-old male athlete, became the first China male snowboarder to stand on the Winter Olympics. Head coach Toby Dawson won a medal in the freestyle skiing men’s snow skills competition in Turin Winter Olympics. Since 2019, when he was hired as the head coach of China freestyle skiing snow skills national training team, China snow skills men’s event achieved a historic breakthrough, and Zhao Yang became the first China male athlete to participate in the Winter Olympics.

　　Both men’s and women’s snow skills qualifiers in Beijing Winter Olympics are the top 20 finalists. It’s not difficult for Li Nan and Zhao Yang to enter the finals. The two players said that they would strive for a breakthrough in the Winter Olympics. At the PyeongChang Winter Olympics, French woman Palin Lavan won the championship of this project. At the Beijing Winter Olympics, she still has the strength to win the championship. In addition, the new Japanese team Anri Kawamura and Australia’s Jakara Anthony are both strong contenders for the championship. The biggest star of the men’s competition is Canadian mickal kingsbury, the champion of Pyeongchang Winter Olympics. After winning the gold medal in Pyeongchang Winter Olympics four years ago, kingsbury is expected to defend its title in Beijing Winter Olympics.

　　Text/Beijing Youth Daily reporter Yan Peng

Our reporter Roman

During the Spring Festival, the happiest thing is for the whole family to sit around and have a reunion dinner. However, for homeless vagrants, it is an extravagant hope to have a reunion dinner with their families. In order to let the rescuers have a warm and happy New Year, this (5th) morning, Luzhou Rescue Management Station specially held a Spring Festival Youth League activity for them.

Sticking Spring Festival couplets and decorating … The staff of the rescue station began to decorate the station for the upcoming Spring Festival a few days ago to create a festive New Year atmosphere. Early this morning, everyone began to be busy, preparing melons, fruits, snacks and delicious food for the recipients.

At noon, the recipients put on beaming new cotton-padded jackets, sat around, watched TV and had a reunion dinner to celebrate the New Year.

According to Jiang Weifen, the stationmaster of the municipal rescue management station, there are currently 14 recipients in the municipal rescue management station, four of whom have recently entered the station and are still in isolation. Due to the need of epidemic prevention and control, there are 10 recipients attending the annual meeting of the group today, and they also eat separately, and the other four are delivered by special personnel.

The staff served meals for everyone.

At the annual meeting of the Communist Youth League, although everyone wore masks, it was hard to hide their joy. The recipients and the staff were talking and laughing together, and they were very happy. Several recipients even danced with the music. The scene was full of laughter, joy and peace.

Jiang Weifen told reporters that all the 14 recipients at present have mental and intellectual disabilities, and they have not found out their identity and family information. The longest time to come to the station has been more than one year, of which the youngest is 15 years old and the oldest is about 70 years old.

Maybe they have a home in their heart, but they don’t know where they come from, where their home is, and whether they have any family. In the city rescue management station, the staff treat them as relatives and children, and take care of them patiently and carefully, so that they have a place to live and a "home". Having a reunion dinner together on the occasion of the New Year makes them feel the festive atmosphere and the warmth of home. This is undoubtedly the embodiment of the motherland’s growing strength, social civilization’s progress and love everywhere in the new era.

Original title: "This is a special reunion dinner …"

BEIJING, Beijing, January 21st (Reporter Chen Hang) From January 20th to 21st, 2024, the 5th Beijing-Zhangjia Volkswagen Ski Exchange Competition started at Vanke Shi Jinglong Ski Resort in Yanqing, Beijing, and 240 skiers from Beijing and Hebei Province raced through the snow.

As one of the brand sports events in Yanqing District, Beijing, the Beijing-Zhangjia Volkswagen Ski Exchange Competition aims to further carry forward the spirit of Beijing Winter Olympics, promote the popularization and development of mass ice and snow sports, build a platform for in-depth exchange and interaction between ice and snow lovers in Beijing and Zhangjiakou, improve the ability of ice and snow sports in Yanqing District, Beijing and the level of professional referees, further expand the development achievements of ice and snow population, and make good use of the legacy of Winter Olympics.

With the aim of "friendship, communication and progress", this competition is divided into four groups: adult men and women and young men and women.

On the 20th, with the start of the competition, the players set off along the track with their feet on the skis, shuttled flexibly on the track, constantly changing their movements, and staged the "speed and passion" of ice and snow sports.

It is reported that the Beijing Yanqing Ski Association, as the organizer of the event, has delivered a number of alpine skiing referees and managers of ice and snow events to Yanqing District in the form of "training by competition" in recent years.

In the next step, Yanqing District of Beijing will further consolidate and expand the achievements of "driving 300 million people to participate in ice and snow sports" based on the functional orientation of ecological conservation area, and promote the construction of "outdoor sports city" and the most beautiful winter Olympic city with ecological civilization. At the same time, take sports events as the entry point to promote the development of global tourism, build an international ski resort, and promote the construction of Beijing-Zhangjiakou sports and cultural tourism belt.

　　Beijing, March 10 (Reporter Cheng Chunyu) The US WTI crude oil futures recorded the largest intraday decline in history, the US stock market rarely triggered the fuse mechanism, the US treasury bond futures "daily limit", and more than half of the world’s important stock market indexes fell by more than 6%. March 9, 2020 is destined to be a day worth recording in the history of global financial markets.

　　Data Map: new york Stock Exchange.

　　set records

　　— — Crude oil futures hit the biggest intraday decline in history.

　　After the Organization of Petroleum Exporting Countries (OPEC) failed to reach a production reduction agreement with oil-producing countries, Saudi Arabia drastically cut oil prices, which led to a sharp drop in international oil prices. Brent crude oil futures plunged 30% to $31.02/barrel in early trading, the lowest level since February 2016; US WTI crude oil also plunged 27% in early trading, and once fell more than 33% in intraday trading to $27.34, setting a new record for the largest intraday decline in history.

　　— — US stocks rarely trigger fuse mechanism.

　　The U.S. stock market plunged at the opening, and the S&P 500 index fell by 7% at the beginning of the session, triggering the first-level fuse mechanism, causing the U.S. stock market to suspend trading for 15 minutes. This is the first time since the financial crisis in 2008 that US stocks have been blown down due to a sharp fall. There are even media reports that this is the second real fuse in the history of US stocks. The last real fuse of US stocks was on October 27, 1997.

　　— — More than half of the important stock indexes fell by more than 6%

　　According to Wind’s statistics, among the 16 important indexes of global stock market, on the 9th, in addition to the three major indexes in the United States, the FTSE 100 in Britain, DAX in Germany, CAC40 in France, Nikkei 225, Standard & Poor’s 200 in Australia, etc., a total of nine indexes fell in intraday trading, and even closed down more than 6% on the same day. The three major European stock indexes fell more than 8% in intraday trading, followed by the China Shanghai Composite Index, which fell by about 3%.

　　— — Us debt futures "daily limit", yield hit a record low

　　Under the safe-haven demand, the influx of funds caused the US 10-year treasury bond futures to hit the upper limit and the trading was temporarily suspended. The yield of the US 10-year treasury bond once fell to a record low of 0.318%, with an intraday decline of nearly 40%. The 30-year US Treasury bonds once dropped to 0.702%, continuing to hit a record low, with a daily decline of nearly 30%. Moreover, as the leading indicator of economic recession, the yield curves of 3-month and 10-year US government bonds were once upside down, which sounded a panic alarm.

　　— — The price of gold returned to $1,700 per ounce after eight years.

　　After the sell-off of crude oil and stock market, investors flocked to the safe-haven assets including precious metal gold. On the 9th, the international gold futures price broke through the $1,700/oz mark, the highest since December 2012.

　　source map

　　(blasting) fuse

　　— — The price war of crude oil suddenly opened after six years.

　　Affected by the COVID-19 epidemic and other factors, the U.S. stock market plunged continuously. In view of the evolving risks brought by the epidemic to economic activities, the Federal Reserve cut interest rates by 50 basis points on the 3rd, and then the U.S. stock market fluctuated widely, and a roller coaster market was staged last week.

　　"The crude oil price war started in Saudi Arabia over the weekend became the fuse of the global financial market’s plunge on the 9th." According to foreign media reports, Russia refused to cut production at the OPEC+policy meeting on March 6, and OPEC and its allies in oil-producing countries failed to reach any production reduction agreement, which means that from April, OPEC-related oil-producing countries will completely liberalize production restrictions.

　　On March 7th (Saturday), Saudi Arabia, the main OPEC country, drastically reduced the price of crude oil sold to foreign markets such as Europe, the Far East and the United States, with the largest discount in more than 20 years, in order to attract foreign refineries to buy Saudi crude oil. Saudi Arabia also said that if the market needs it, Saudi Arabia can reach the level of 12 million barrels per day.

　　The market generally believes that after a lapse of six years, Saudi Arabia took the initiative to start a crude oil price war, which exceeded the market’s previous expectations. Previously, many financial analysts predicted that OPEC would further cut production to boost oil prices.

　　On the 9th, US President Trump sent a tweet to appease the panic market. It said that the debate between Saudi Arabia and Russia on oil prices and production, as well as the false news spread by political opponents, were the reasons for the stock market decline that day, and the decline in gasoline prices was also a good thing for ordinary consumers.

　　ChrisRupkey, an economist at Mitsubishi UFJ Finance, said: "The plan to reduce oil prices will make more cash flow into people’s hands, which can drive consumer spending and boost the economy, but this does not seem to alleviate the impact of the stock market on investors. The plight of Wall Street may have a negative impact on the economy. "

　　"The plunge in oil prices has once again aggravated the fragility of the market," JasonDaw, head of Asian foreign exchange strategy at Societe Generale, told the media. "The longer the global epidemic lasts, the greater the risk of a full-scale crisis."

　　afternoon trading

　　— — Will crude oil prices continue to fall?

　　On the 9th, the international oil price plummeted, once falling more than 30%, setting a new record for the biggest intraday decline in history. NYMEX crude oil futures closed down 26.74% to $30.24/barrel, the lowest since February 2016; Brent crude oil futures fell 26.24% to $33.39/barrel, both the biggest one-day declines since the Gulf War in 1991.

　　As of press time, the price fluctuation of energy and chemical futures such as crude oil.

　　In the latest report, Goldman Sachs analysts said that Brent crude oil price may drop as low as $20 per barrel, which will test some oil producers. "The price war has completely changed the prospects of the oil and gas market. Goldman Sachs lowered its oil price forecast for the second and third quarters to $30 per barrel."

　　Hong Hao, managing director and head of research department of Bank of Communications International, believes that the impact of the oil crisis is reflected in the following aspects: the price of junk bonds in the United States will plummet, the stability risk of the financial system will rise, and the expectation of deflation will increase the difficulty of monetary policy.

　　However, in the view of Xi Jiarui, a senior analyst of Jinlianchuang Crude Oil, this oil price drop will not become a long-term trend like the oil price crash in 2014. Saudi Arabia’s behavior is to force Russia to continue to cooperate with OPEC. It is expected that once the oil price falls to a level that Russia itself feels unable to bear, it is likely to restart the production reduction agreement.

　　According to the latest report of Everbright Securities, the special alliance between Saudi Arabia and the United States means that it will be difficult for the United States to accept the prospect that oil prices will continue to slump because of the price war in Saudi Arabia. Therefore, the current plunge in oil prices is unsustainable, and there may be variables in the future.

　　Xi Jiarui said, "The next production reduction meeting is on June 9, and it is very likely that Saudi Arabia and Russia will jointly cut production again. At that time, oil prices may rebound in retaliation."

　　On the 9th, the decline of major stock indexes in European and American stock markets.

　　— — European and American stock markets enter a technical bear market?

　　As of the close of the 9th, the Dow Jones index plunged more than 2,000 points, closing down 7.79%, the biggest one-day drop since 2008. The S&P 500 index fell by 7.60%, and the Nasdaq index fell by 7.29%. Oil stocks suffered heavy losses, and Chevron fell more than 15%, leading the Dow. So far, the Dow has dropped by 19.34% compared with the historical high set by this bull market.

　　On the same day, major European stock indexes closed down across the board, and many stock indexes entered a technical bear market. Britain’s FTSE 100 index fell 7.69%, France’s CAC40 index closed down 8.39%, and Germany’s DAX index fell 7.94%. Among them, Germany DAX index, France CAC40 index, Italy FTSE MIB index, Europe Stoxx 50 index and Britain FTSE 100 index entered the technical bear market.

　　Yang Delong, chief economist of Qianhai Open Source Fund, pointed out that US stocks will fall sharply after peaking. According to the experience of US stocks, a decline of 20% is generally called the dividing line between bulls and bears. If it falls below 20% and does not come back, it shows that the bear trend is confirmed and will fall further by 20%.

　　Xie Feng, a researcher at China Banking Research Institute, believes that the debt level of American enterprises is high, and the debt quality of residents has deteriorated. Once the economic slowdown exceeds expectations, corporate profits will further decline, and residents’ wealth will also be damaged, which may lead to more risk release in the financial market.

　　A-share major stock indexes closed on the 9th.

　　— — Can China A-shares be immune?

　　On the 9th, among the world’s important stock indexes, the overall decline of A shares was lower. The Shanghai Composite Index fell 3.01%, the Shenzhen Composite Index fell 4.09%, and the Growth Enterprise Market Index fell 4.55%. In the whole day, the transaction between the two cities broke through one trillion yuan. The net outflow of northbound funds from Shanghai Stock Connect was 9.671 billion, and that from Shenzhen Stock Connect was 4.648 billion.

　　Chen Li, chief economist of soochow securities, said in an interview with the media that the main reason for the A-share slump on the 9th was the violent fluctuation of the global capital market, and the violent fluctuation of the external market aroused the concern of domestic investors. The turnover of the two cities has continuously exceeded one trillion, indicating that there are great differences in funds. Some funds are leaving the market, and some funds are considered to be opportunities to buy on dips.

　　It is noteworthy that on the 9th, the FTSE China A50 index futures, as the leading indicator of the secondary market of the stock market, rebounded and turned red at night, and now rose by more than 1%. At one time, it was close to 2% in intraday trading, and once fell by more than 1%.

　　"The fundamental reason for the sharp decline of US stocks is that the valuation is too expensive." Everbright Securities believes that A shares are more immune to overseas fluctuations. Under the analytical framework of the policy economic cycle, it is not only economic data but also policy tightness that determines the market trend. Oil prices fell sharply beyond expectations, reducing the risk of stagflation in the near future and broadening the space for domestic policy easing.

　　Great Wall Securities believes that in the context of global risk assets being sold by funds, the short-term growth of the A-share market is facing emotional selling pressure. In the medium term, China’s securities market shows very obvious value toughness under the background of global general decline, and RMB assets are expected to become a safe haven favored by global funds. (End)

The sky in our city is clear today.

At 15: 00, the temperature in the city was around 4℃

It is expected that the temperature will enter the recovery mode in the next two days.

The highest temperature in the urban area can reach 8-9℃ on the 11th to 12th.

However, the lowest temperature is only around -3℃

The temperature difference between day and night is large.

Has entered the "March 9",

Why does the temperature rise instead?

From the meteorological analysis,

The cold air intensity on the 9th was weak.

Makes the heating mass in central China

It can extend northward from 10th to 12th.

Temperature rise is rare.

Yin Yingying, a senior meteorological engineer, said, "Although the temperature rise this time is not drastic, it is rare. The biggest feeling for us is naturally’ difficulty in dressing’. Wearing too much is too hot and wearing too little is too cold. Coupled with indoor heating, we can only adjust our clothes in time."

This temperature rise is an accidental phenomenon.

Does not mean the end of winter.

From midnight after 13th to daytime after 14th.

Affected by cold air

There was a strong wind cooling process

It will bring a northerly wind of 4-5 and a gust of 7 to Jincheng.

And the temperature is reduced by about 4-6 DEG C.

Everyone should pay attention to the temperature change and adjust their clothes in time.

In addition, the atmospheric diffusion conditions in our city were poor on the 12th to 13th.

There are moderate and short-term severe haze

Please take good health protection when friends go out.

Weather forecast for the coming week

tonight

fine with occasional clouds

Breeze, minimum -3℃

Thursday, January 11th

fine with occasional clouds

Breeze, 9 to -3℃

Friday, January 12th

fine with occasional clouds

Breeze, 8 to -2℃

Saturday, January 13th

fair to cloudy

Breeze, 6 to -1℃

Sunday, January 14th

cloudy to sunny

Breeze to north wind 4-5 gust 7

3 to -1℃

Monday, January 15th

fair to cloudy

Breeze, 4 to -5℃

Tuesday, January 16th

Cloudy to overcast

Breeze, 4 to -3℃

Wednesday, January 17th

Warrington

Breeze, 6 to -3℃

Forward it and remind friends around you!

Editor | Han Zhen

Source | Tianjin Meteorological Beijing News Beijing Meteorological

Original title: "Weather | Can autumn pants be taken off? The temperature will rise to 9℃ tomorrow. Is the winter in Tianjin over? 》

Read the original text

　　Source: China Banking Association.

　　Cartography: Wang Zheping

　　Zhang Jie, a 26-year-old Beijing citizen, recently went to a bank outlet to do business and found that the outlet downstairs of the company had closed down. "Take the subway to work in the morning, and you can enter the station by scanning the code with the mobile APP bound to the bank card. Shopping can be paid by online banking, and credit card repayment is also through the mobile banking APP. Now I am used to online financial services, and there are fewer and fewer banks. Although there are fewer outlets around me, it has not brought any inconvenience. " Zhang Wei said.

　　In recent years, banks have accelerated the development of online business, and the business volume of online banking and mobile banking has increased rapidly. According to the latest data released by China Banking Association, online banking transactions of banking financial institutions reached 163.784 billion last year, up 7.42% year-on-year, and mobile banking transactions reached 121.451 billion, up 38.88% year-on-year. At the same time, many people have found that the number of bank outlets around them has increased.

　　Under the trend that people are increasingly favoring online financial services, where is the value of offline banking outlets? How to realize the transformation and development of outlets and improve service quality and efficiency? The reporter conducted an investigation and interview.

　　Are bank outlets still important?

　　Bank outlets still play an important role in serving specific people and regions and handling non-standardized business.

　　Why has the situation of bank outlets closed increased? According to several bank managers, more and more consumers like online banking, mobile banking and other online channels, and the proportion of businesses that need to go to the counters of bank outlets is gradually decreasing. The abolition of outlets is mainly due to the lack of customers and low efficiency.

　　In terms of the total amount, by the end of 2019, the total number of outlets of banking financial institutions had reached 228,000, and the number of outlets actually abolished this year only accounted for a small proportion. To meet people’s diversified financial service needs, bank outlets still play an irreplaceable role.

　　Uncle Lu, who lives in Shifosi Village, Yufa Town, Daxing District, Beijing, is over 80 years old and wants to deposit a sum of savings on a regular basis. How many years of products do you have? What is the interest rate? How much interest is it every year? With full of questions, he came to Daxing Xinhangcheng Sub-branch of Ping An Bank not far from home.

　　After understanding Uncle Lu’s needs, the bank staff answered his questions one by one, figured out the fixed interest rate of each file and how much interest he could get each year, listed it in a table, and then explained it in detail.

　　While listening to the explanation and looking at the form, Uncle Lu chose a time deposit that suits him. "You’d better make it clear, but I can’t figure it out myself." Uncle Lu was very happy. "Moreover, I am old, and it is inconvenient to save money with the self-service deposit and withdrawal machine. With the assistance of the staff at the outlets, I am much more practical."

　　Aunt Hai runs a small shop in Yabao Road, Chaoyang District, Beijing. Every month, she goes to the bank outlets to handle business such as change. "Many customers choose to pay in cash. If there is more or less change, they must go to the outlets to exchange it."

　　Sun Anqin, vice president of Ping An Bank Beijing Branch, said that from the perspective of clients, for some elderly people who are not suitable for online banking or other customers who are not good at or willing to do business online, banks can provide them with more thoughtful services by relying on physical outlets.

　　From the perspective of business types, offline outlets still play an irreplaceable role in some non-standardized businesses. "For example, for the service needs of private bank customers’ financial consulting, financial managers need to communicate with customers face to face to meet their differentiated and personalized needs. In addition, due to regulatory requirements and risk prevention needs, bank card opening and enterprise opening bank accounts must also be handled at bank outlets. " Shen Chunhua, general manager of the channel management department of China Everbright Bank, said.

　　"In the past, bank outlets provided customers with a large number of transactional financial services. With the development of online channels and self-service channels, the transaction attributes of outlets have been gradually replaced, and now customers mainly come to outlets because of complex transactions and complex needs. The service of bank outlets is more intuitive, flexible, humanized and professional, and it is still the main channel for banks to sell products and maintain customers. " Wang Haiquan, general manager of the Channel and Operation Management Department of Bank of China, said that in recent years, the average number of customers served by outlets throughout the Bank has stabilized at around 200 million, indicating that outlets still play an important role.

　　From the perspective of regional layout, the coverage of bank outlets is still increasing in areas with weak financial services such as "agriculture, rural areas and farmers". By the end of 2019, banking financial institutions had covered basic financial services to 166,300 administrative villages in 832 key poverty alleviation and development counties through institutional outlets, machine services and mobile services, with a coverage rate of 99.3%.

　　Ceng Gang, deputy director of the National Finance and Development Laboratory of China Academy of Social Sciences, said that the sinking of bank outlets to the grassroots level has made up for the financial shortcomings in rural areas and can play a positive social benefit. At the same time, with the economic development in rural areas, the demand for financial services is increasing, and there is huge room for development in inclusive finance, and banks themselves will also reap good economic benefits.

　　How to better transform and develop?

　　Many banks are actively exploring in improving service efficiency, expanding service content and changing service methods.

　　People in the industry generally believe that in the future, bank outlets will still occupy an important position in people’s lives, and banks will also rationally adjust the layout of outlets according to actual operating conditions and local service needs. China Banking and Insurance Regulatory Commission clearly pointed out that banking financial institutions should fully investigate the financial market structure, supply and demand of financial services in the new and original locations before changing their business premises, so as to avoid creating a financial service gap.

　　How should bank outlets be transformed? The reporter learned from the investigation that many banks are actively exploring ways to improve service efficiency, expand service content and change service methods.

　　Intelligent, with higher service quality and efficiency — —

　　It used to be a very complicated thing for enterprises to open bank accounts. Prepare a lot of materials, queue up at the bank, fill out a lot of forms, and stamp a lot of official seals … … It often takes a whole day. The research and development of Sunshine E account opening system of China Everbright Bank was launched, which helped customers solve these troubles.

　　"Online booking application for account opening, filling in the industrial and commercial data system, and electronicizing the seal are optimized, which greatly saves the time for account opening." Sun Jihua, the financial controller of a company, said that it took only 40 minutes from entering the bank to opening an account, "much faster than I expected".

　　In recent years, the intelligent transformation of bank outlets is in full swing. You can withdraw money with your mobile phone without a bank card; The whole money and change can be stored together, and self-service equipment can also be handled; Bank card can realize fast card exchange with the same number & HELIP; … A variety of intelligent services constantly improve the customer experience of bank outlets. The insiders believe that making full use of scientific and technological means, developing intelligent equipment and tools, and upgrading offline outlets will improve the service efficiency and quality of outlets.

　　At the same time, the machine replaces the manual to complete some tedious processes, which is conducive to allowing more staff to walk out of the counter and provide accurate services according to the differentiated needs of customers.

　　Integrated and diversified services are introduced — —

　　While promoting intelligence, bank outlets are also paying attention to integrating into demand scenarios, expanding service content and giving full play to service functions.

　　"China Everbright Bank actively promotes the comprehensive transformation of banking outlets, giving outlets cultural services, tourism consultation, health management and other functions." Shen Chunhua said that Guangzhou Yuexiu Sub-branch of China Everbright Bank, as the host bank of medical insurance business in Guangzhou, has an average daily passenger flow of about 500 people, much higher than the average level of the whole bank. At present, the branch serves more than 10 million medical insurance customers.

　　Bank of China Guangzhou Lujiang Sub-branch cooperates with the local library to open a special reading area at the outlets, and books can be borrowed and returned at the outlets. In Jie Fangbei Business District, a tourist hotspot in Chongqing, Ping An Bank Chongqing Jie Fangbei Sub-branch has launched cultural and creative products, and will also introduce reading corners. Some rural bank outlets can also provide express delivery and other services.

　　"In the future, the spare space of outlets can be diversified and transformed into a place for customers to consult and exchange, share learning, share office, and carry out community activities." Wang Haiquan said.

　　Be more proactive, and banking services will go out — —

　　Not long ago, the Chinese Business School of Guangdong University of Finance and Economics ushered in the opening season. The staff of China Bank Guangdong Zengcheng Sub-branch took five mobile smart counters to the school to provide on-site financial services for teachers and students. Teacher Huang of the school said that in the past, card opening and mobile banking had to be handled at bank outlets, but now the bank provides on-site service, which can be completed in just a few minutes.

　　"With technical support, banking service equipment is more intelligent and portable, and it is possible to take it out, so that customers can enjoy more convenient financial services." Wang Haiquan said.

　　In order to let people in mountainous areas enjoy more adequate financial services, Fujian has explored the "backpack bank" business model. "Bank account managers carry backpacks, install equipment into the village, and promote financial services door to door." The person in charge of the Fuzhou Central Branch of the People’s Bank of China said that the "backpack bank" sent loans to the countryside and sent funds "timely rain" to the people.

　　How to collaborate online and offline?

　　The advantages of online business and offline outlets are complementary and integrated, and the efficiency of financial services is continuously improved.

　　For banks, it is an important problem to deal with the relationship between online and offline business. Ceng Gang believes that the rapid development of online business will not replace the important role of bank outlets. In the future, online business and offline outlets will complement each other and develop together to continuously improve the efficiency of financial services.

　　Online and offline collaborative development can make business handling more convenient.

　　In the past, the counting and identification of foreign currency cash had to be done under the witness of customers, and the staff of outlets had to complete a series of processes step by step, such as customer identity verification, cash withdrawal amount verification, money withdrawal, foreign management information registration and cash counting, which often took more than half an hour. At present, Bank of China has launched the foreign currency smart access service, and customers can make an appointment to withdraw foreign currency cash through online channels such as mobile banking and micro-banking. The back-office vault will immediately receive the order information, allocate foreign currency cash according to customers’ needs, seal it in a standard envelope, and deliver it to the appointment outlets. After customers arrive at the store offline, they can go directly to the smart counter for self-service without queuing to get the number, which takes only one or two minutes.

　　Online and offline collaborative development can provide customers with more choices.

　　"When issuing income certificates, asset certificates and other materials, customers can flexibly choose the handling method according to their own needs. If the customer does not have time to go to the bank outlet, he can apply for a certificate online and send it to the customer; If customers need to use it urgently or need an on-site seal, they can also go to the outlets to handle it quickly and collect it on the spot. " Sun anqin said.

　　"The rapid development of online business has greatly promoted the transformation and upgrading of bank outlets." Wang Haiquan said that on the one hand, online business can effectively divert the standardized business of previous outlets, so that the manpower of outlets can be invested in more professional and personalized services; On the other hand, the development of online business is conducive to enhancing user experience, increasing customer stickiness, enhancing brand influence and better promoting the development of offline business.

　　The insiders believe that no matter which channel customers access from online or offline, customers should feel the undifferentiated and integrated service experience. Through the integration and development of online and offline services, increasing data sharing, and combining big data, artificial intelligence and other technical means, it is conducive to building a more complete and three-dimensional customer portrait and achieving accurate and caring services.