Every time I get the AI news, some investors ask questions on the investor interaction platform: On February 21st, I said on the investor interaction platform that the Qingdao Donghua Sub-center Industrial Park has been completed at present. Please pay attention to the company’s official website, WeChat WeChat official account and other platforms in time for the specific production time. Excuse me, what new projects do the Qingdao Donghua Sub-center built by the company in three years give investors a return?

　　(002065. SZ) On February 26th, it was indicated on the investor interaction platform that the National Sub-center will be the second headquarters of the company, and the Donghua Yundu Intelligent Computing Center will be built to promote the coordinated development of the industrial chain by attracting its own subsidiaries, shareholding enterprises and upstream and downstream enterprises.

In the first month, "Lantern Festival" came, and the excitement of Zhoucun Ancient Mall lies in "thousands of lights are shining, seven flowers are blooming", in "a song is like the sea, and thousands of lights are like the night", and more importantly, in "300 wives dancing in sleeves, singing words in the sky for a moment" … enjoy the flower lights, listen to ditty, play and taste delicious food. At this moment, Zhoucun Ancient Mall

China Economic Weekly-Economic News On December 8, the opening ceremony of the 6th CBSA Chinese Billiards World Championship in China Jiangxi Shangrao Yushan was staged in Yushan Sports Center Square.

Present at the opening ceremony were Jia Zhisheng, deputy director of the Mass Sports Department of the State Sports General Administration, Zhao Liping, vice chairman of China Billiards Association, Gan Liantong, vice chairman of China Billiards Association and Beijing Star Group, Yang Musheng, deputy director of Jiangxi Provincial Political Consultative Conference, Xiao Liqing, deputy secretary-general of Jiangxi Provincial Political Consultative Conference and full-time vice chairman of the Provincial Committee of Jiu San Society, Jin Ziwei, member and deputy director of Jiangxi Provincial Sports Bureau, Qiu Xiangjun, deputy secretary of CPC Shangrao Municipal Committee and mayor. Zhu Meiqing, Vice Mayor of Shangrao Municipal Government; Mao Zubin, Secretary General of Shangrao Municipal Government; Luo Laishui, Party Secretary and Director of Shangrao Sports Bureau; Zheng Guoliang, Secretary of Yushan County Committee of the Communist Party of China; Yu Honglei, Deputy Secretary of Yushan County Committee of the Communist Party of China; Gan Jialing, General Manager of Beijing Xingwei Sporting Goods Co., Ltd.; Batuga Osol, Minister of Sports and Culture of Mongolia; Narambata Joygawa, First Deputy Minister of Mongolia International Olympic Committee; Likit Intabang, Secretary General of Laos International Olympic Committee; and Kaihua and Jiangshan, Zhejiang Players from 41 countries and regions around the world, domestic first-line referees, nearly 100 mainstream media representatives and anchors also attended the opening ceremony.

As a billiards project with independent intellectual property rights in China, Chinese billiards became popular in China as soon as it came out in 1980s. In 2012, the Small Ball Sports Management Center of the State Sports General Administration and Star Brand jointly announced the name "Chinese billiards", and Chinese billiards was also recognized as a formal sport by the State Sports General Administration, and the sport began to get on the right track.

In 2015, the China Billiards Association initiated the CBSA Chinese Billiards World Championship, which accelerated the internationalization of Chinese billiards, made Chinese billiards gradually accepted by billiards players and fans all over the world, and spread the rules and skills of Chinese billiards around the world. Now, more and more countries and regions have begun to incorporate it into their own billiards system, and Chinese billiards has become an important part of the world billiards.

A total of 496 players from 41 countries and regions participated in this Chinese billiards World Championships, and the number of participating countries and participants reached a new high, making it the largest Chinese billiards competition in the world. The total prize money of the tournament is 10.43 million RMB, which is the highest in the world, including 3 million for the men’s team and 1 million for the women’s team. In the next eight days, billiards groups from all over the world will stage the battle of the peak of Chinese billiards and compete for the honor of world champion.

At the opening ceremony, Jia Zhisheng, deputy director of the Mass Sports Department of the State Sports General Administration, delivered a wonderful speech: "The Chinese Billiards World Championship is a benchmark and model for the development of high-quality events in Jiangxi Province, which will further promote the promotion of Chinese billiards in the world, further increase the positive impact on the economic and social development of Yushan and even Jiangxi, and make contributions to promoting friendly exchanges and exchanges between China and other countries in the world."

Zhao Liping, vice chairman of China Billiards Association, fully affirmed the significance of the Chinese Billiards World Championships: "The number of participating countries and the number of participants in the Chinese Billiards World Championships have reached a new high, which not only shows that more and more countries and regions like and participate in Chinese billiards, but more importantly, more and more countries and regions have recognized the regularity, professionalism and authority of the Chinese Billiards World Championships."

Gan Liantong, vice chairman of China Billiards Association and Beijing Xingpai Group, said: "The Chinese Billiards World Championships is not only a simple sports event, but also the achievements and honors of all athletes. It is a platform for billiards people all over the world to communicate and enhance their friendship, and it is also a platform to show the charm of Chinese billiards and Yushan."

Chinese billiards world championships have grown from scratch, and the governments of Jiangxi Province, Shangrao City and Yushan County have made great contributions. Zhu Meiqing, deputy mayor of Shangrao Municipal Government, said: "We will adhere to the concept of" running a good game and invigorating a city ",make full efforts to promote the deep integration of" sports+culture+tourism "with the help of competitions and the media, accelerate the building of Yushan into a world-class venue for billiards competitions, and let more billiards lovers enter Shangrao, enjoy life and experience happiness."

In recent years, Yushan has made every effort to build a county-level sports brand featuring billiards, successfully held five Chinese billiards world championships, four Chinese snooker world open tournaments and Chinese billiards international professional leagues, and implemented three major industrial projects, namely, "International Billiards Culture City, Star Billiards Industrial Park and Top Billiards Tournament", gradually stepping out of the characteristic road of high-quality development of county-level sports from resources to products, from products to events, from events to cultures, and from cultures to brands. Zheng Guoliang, secretary of the Yushan County Committee of the Communist Party of China, said: "We will adhere to the new development concept of openness and sharing, adhere to integrity and innovation, and strive to create a’ safe, comfortable and beautiful’ competition and living environment for each contestant, and strive to make this competition a passionate stage, enhance friendship and promote development, and make every effort to create China style, Jiangxi characteristics, Shangrao style and Yushan charm."

Chinese billiards world championships have been held for many years and have been supported by many international billiards organizations and national billiards associations. The vigorous development of Chinese billiards has become a powerful link between China and the world. Batuga Osol, Minister of Sports and Culture of Mongolia, said: "The Chinese Billiards World Championships is the highest level Chinese billiards competition in the world, and it will surely be a fierce and wonderful competitive feast. I am also looking forward to seeing the friendship and team spirit among the players and creating unforgettable moments on this stage. "

At the opening ceremony, there were also wonderful cultural performances, and the creative programs which blended Chinese and Western cultures reflected the internationalization of Chinese billiards and the unique charm of Yushan, a world famous billiards city.

Finally, the leaders jointly kicked off, and Qiu Xiangjun, deputy secretary of Shangrao Municipal Committee of the Communist Party of China and mayor, announced the official opening of the 6th Chinese Billiards World Championship.

(Vingo)

Special topic: All parts of the country are United in fighting snow disasters.

　　　　Xinhuanet Chongqing, January 28 (Reporter Wang Jintao) On the morning of the 28th, there were many snowflakes floating in the main city of Chongqing. This is the first time in 16 years that it snows in the main city of Chongqing.

　　　　The altitude of the main urban area of Chongqing is between 200 meters and 300 meters. Because of its low altitude, surrounded by high mountains and its geographical location is south, its winter temperature is often higher than that of other cities at the same latitude. Chongqing citizens have never seen snow since it snowed in the main city of Chongqing in 1992.

　　　　According to the forecast of Chongqing Meteorological Observatory, a southbound cold air will arrive in Chongqing on the evening of January 27th, which will bring an obvious heavy snow and rain process to Chongqing. It is estimated that the average temperature in the main city of Chongqing on the 28th will be 2 degrees Celsius to 4 degrees Celsius, and the temperature in some areas may be below zero degrees Celsius.

　　　　Some citizens told reporters that there was only sporadic light rain in the sky on the morning of the 28th, but on their way to work, the rain turned into snowflakes, and it was getting bigger and bigger, and the amount of snow was equivalent to a moderate rain.

　　　　Despite the cold weather, some children in the main city of Chongqing still ran into the yard to meet the long-lost snowflakes. However, there is no snowy scene in the main city of Chongqing, and the snow melts when it falls to the ground. The meteorological staff said that because the temperature in the main city of Chongqing is still relatively high compared with other cities in the north, the ground generally does not freeze.

Editor: Liu Li

　　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)

　　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.