Editor’s note:When winter comes, many people will feel freezing, freezing their hands and feet. How can they spend a warm winter? Of course, it is a tonic! Today, People’s Health Network will discuss with you how Kan Kan uses health-preserving recipes to help him get rid of the cold and warm the winter.

　　Ginger sugar and suye drink to prevent colds

　　3 grams of ginger, 15 grams of brown sugar and 3 grams of perilla leaves are taken; Wash ginger, cut it into filaments, put it in a cup with perilla leaves, add brown sugar, brew with boiling water, cover the cup and stew for 10 minutes, and take it while it is hot, twice a day.

　　Among the prescriptions, Perilla leaves are pungent and warm, which can dispel cold, relieve muscle surface, disperse stagnant lung qi and regulate qi. It can treat wind-cold colds with aversion to cold and fever, headache and stuffy nose or cough and chest tightness, and gastrointestinal colds with nausea, vomiting, stomachache and abdominal distension. Compatibility with ginger can enhance the efficacy of relieving exterior syndrome and dispelling cold. Brown sugar is sweet and warm, which can not only warm the middle and dispel the cold, but also help the perilla leaves and ginger to spread out in the cold outside, and can also be used as a condiment to relieve the spicy and bitter taste.

　　In addition, this prescription has a certain effect on those who have nausea and vomiting during pregnancy, those who have abdominal pain and nausea after eating fish and crabs, and those who have vomiting and diarrhea due to cold in their stomachs. After suffering from heavy rain, ice and snow, cold wind and wet water, soaking a cup of ginger sugar and suye drink can also prevent colds. It should be noted that people who have internal manifestations of damp heat such as heavy fatigue, drowsiness, fullness in the chest, loss of appetite, and sticky stools should not take it.

　　Danggui Ginger Mutton Soup Warming the Middle and Tonifying the Blood

　　250g of mutton, 15g of angelica and 30g of ginger are taken; Washing mutton, cutting into pieces, blanching with boiling water, and draining; Angelica sinensis and ginger are washed with clear water respectively, and ginger is sliced; Stir-fry ginger in the pot for a while, then pour in mutton and stir-fry until the blood is dry, then put it in a casserole with Angelica sinensis, add appropriate amount of boiling water, and after boiling with high fire, use low fire for 2-3 hours and season.

　　Danggui Ginger Mutton Soup is from The Synopsis of the Golden Chamber by Zhang Zhongjing, a medical sage in the Eastern Han Dynasty. Among the prescriptions, Angelica sinensis has the functions of nourishing blood, regulating menstruation, promoting blood circulation, removing blood stasis, relieving pain, moistening intestines and relaxing bowels, which is characterized by nourishing blood and promoting blood circulation without hurting blood, and is the first essential medicine for regulating menstruation and enriching blood. Mutton is warm, warming the middle energizer, tonifying the kidney and essence, stimulating appetite and strengthening the body, dispelling cold and removing dampness, and the compatibility with Angelica sinensis enhances the power of tonifying deficiency and warming yang, which not only enriches blood but also relieves pain. Ginger is warm and scattered, which helps mutton to disperse cold and warm the stomach, and eliminates the smell of smell. The three herbs are used together, with simple composition, remarkable effect and unique flavor, and have the effects of warming the middle warmer, enriching blood, regulating menstruation and dispelling cold.

　　This prescription is especially suitable for people with physical deficiency and cold symptoms such as pale face, cold hands and feet, and long urine. It can also relieve women’s symptoms such as delayed menstruation or less menstruation, amenorrhea and dysmenorrhea, menstrual headache, restless fetal movement, postpartum abdominal pain and dizziness. It is also suitable for male impotence, cold hernia, prostatitis, prostatic hyperplasia and other diseases; Old people who are weak and have various degenerative diseases can also take it regularly. In addition, people with severe cold in the body can add more ginger; This prescription should be used with caution for people with frequent fever, sore throat and ulceration of tongue and mouth.

　　Salvia Miltiorrhiza rice wine can relieve abdominal chills.

　　Take 200g of Salvia Miltiorrhiza and 1kg of rice wine; Pulverizing Radix Salviae Miltiorrhizae, soaking in rice wine for half a month, and taking 15 ml each time in the morning and evening; Or 10 ml each time, 3 times a day, and warm the wine before meals.

　　Among the prescriptions, Salvia miltiorrhiza is bitter in taste and slightly cold in nature. It enters the liver and kidney meridians, and has the effects of promoting blood circulation, removing blood stasis, cooling blood and eliminating carbuncle, nourishing blood and calming the nerves. Modern pharmacological experiments show that Salvia miltiorrhiza can dilate coronary artery, increase coronary blood flow and slow down heart rate, which is of great benefit to senile diseases such as coronary heart disease. Rice wine is warm, which not only opens the blood vessels, but also makes the medicine stronger, and has a relieving effect on heartache and cough caused by cold phlegm. Soaking salvia miltiorrhiza in wine is especially suitable for women with blood stasis, amenorrhea, dysmenorrhea and abdominal chills, and can also be used as health wine for patients with coronary heart disease and angina pectoris. This prescription is not suitable for pregnant women.

　　Five flavors of Lycium barbarum drink should be used with caution for initial cough.

　　50g of Schisandra chinensis, 50g of Lycium barbarum and 20g of white sugar are taken; Bag fructus Schisandrae Chinensis with small gauze, cutting fructus Lycii, and put them into casserole; Add 1.5 liters of water, fry with low fire, filter out the liquid medicine, pour it into a cup, add white sugar and stir well.

　　Among the prescriptions, Schisandra chinensis is sour and sweet in taste, warm in nature, and belongs to lung, kidney and heart meridian. It has the effects of astringing lung and nourishing kidney, promoting fluid production and arresting sweating, astringing essence and stopping diarrhea, calming the heart and calming the nerves, and is often applied to lung deficiency cough, kidney deficiency and weakness, and long-term lumbago caused by deficiency of both lung and kidney and exhaustion of essence and qi. Lycium barbarum L. is sweet in taste and flat in nature, and belongs to liver, kidney and lung meridians. It can nourish liver and kidney, improve eyesight and moisten lung, and relieve cough caused by deficiency of lung and kidney yin. In Compendium of Materia Medica, white sugar is also a blind Chinese medicine, which can harmonize the middle and urgent matters, promote fluid production and moisten dryness, and is often used to treat cough due to lung deficiency and lung dryness. The combination of the three herbs can strengthen the spleen and stomach, nourish the liver and kidney, nourish the heart and blood, promote fluid production and quench thirst, and is suitable for symptoms such as fatigue, lack of blood, limp waist and knees, palpitation and insomnia caused by deficiency of five internal organs in winter.

　　It should be noted that this prescription should be used with caution for patients with initial cough and irregular stool, and patients with high blood sugar and diabetes can use less or no white sugar.

　　Black tea warms the stomach and dispels cold.

　　First of all, black tea can warm the body and resist cold. In autumn and winter, the physiological function of human body decreases, and the yang is weakened, which requires high energy and nutrition. At this time, soaking in a cup of black tea can play a role in preventing diseases. Black tea is sweet and warm, which can nourish the yang, and the soup color is scarlet, which can give people a warm feeling. Black tea is rich in protein and sugar, which can warm the abdomen and enhance the cold resistance of human body.

　　Secondly, black tea can nourish the stomach. Tea polyphenols contained in tea have astringent effect, which has a certain stimulating effect on the stomach, and it is more irritating on an empty stomach, so sometimes drinking tea on an empty stomach will make you feel uncomfortable. Drinking black tea with sugar and milk often can diminish inflammation and protect gastric mucosa, and also has certain effect on treating ulcers. However, black tea is not suitable for cold drinking, which will affect the effect of nourishing and warming the stomach, and may also reduce the nutritional content because it is left for too long.

　　Third, black tea can help digestion. Black tea can get rid of greasy, help gastrointestinal digestion, stimulate appetite, and strengthen heart function. When you feel greasy and bloated in your daily diet, drink more black tea to reduce greasy and promote digestion.

　　Fourth, black tea can prevent colds. Experiments show that black tea has strong antibacterial ability. Gargling with black tea can filter viruses to prevent colds, prevent tooth decay and food poisoning, and reduce blood sugar and hypertension.

　　Warm-up food list in winter

　　1. Mutton, beef and other foods rich in protein and iron. 30% of the energy contained in protein will be turned into heat and radiated from the body surface, while only 5%~6% of the energy contained in carbohydrates will be lost as heat, and 4%~5% of the energy contained in fat. Therefore, eating foods high in protein in winter helps the body to resist cold. It is worth noting that among foods rich in protein, red meat and animal offal are also good sources of iron. Iron participates in heme synthesis in the body, which can improve the oxygen carrying capacity of blood. People with iron deficiency will feel cold because of insufficient heat production. Need to remind everyone that the amount of meat eaten every day should not exceed 2 Liang.

　　2. Foods rich in iodine such as kelp, laver and marine fish. Thyroxine is an important hormone in the regulation of human metabolism, which affects the metabolic rate, growth and development, nerve and muscle function. It can promote the transformation of protein, carbohydrate and fat in the body into energy and resist the cold. Iodine is an important raw material for the synthesis of thyroxine. If iodine is deficient, the body’s ability to keep out the cold will be reduced. Seawater is rich in iodine, so all kinds of marine foods are good sources of iodine, such as kelp, seaweed and marine fish, which should be eaten often in winter.

　　3, fresh dates, kiwifruit and other foods rich in vitamin C. Studies have shown that taking a large amount of vitamin C can significantly reduce the rectal temperature drop caused by cold, and can alleviate the excessive stress response of adrenal gland and enhance the body’s tolerance to cold. Dark vegetables such as persimmon pepper and tomato, and fruits such as citrus, fresh dates and kiwifruit are rich in vitamin C.

　　4, coarse grains, green leafy vegetables and other foods rich in B vitamins. Most B vitamins play the role of coenzyme in the body and play an important role in carbohydrate, fat and protein metabolism, such as vitamin B1, vitamin B2, nicotinic acid and so on, which are closely related to energy metabolism. Vitamin B1 mainly exists in coarse grains such as oats, nuts, lean pork and animal viscera. Foods rich in vitamin B2 include animal liver, egg yolk, dairy products and green leafy vegetables. Foods rich in niacin include whole wheat products, brown rice, beans, sesame seeds and peanuts.

　　5. Spices such as pepper and ginger. In the cold winter, eating some spices properly can not only bring you taste enjoyment, but also help the human body resist the cold. For example, capsaicin in pepper has the potential to produce heat, which can promote blood circulation and improve cold and frostbite. Studies by the United States Department of Agriculture have found that adding cinnamon to the diet can increase the metabolic rate of the body and promote heat production; The volatile oil in ginger can accelerate blood circulation, excite nerves and make the whole body warm. Therefore, when cooking in winter, you can put more spices such as pepper, cinnamon and ginger.

　　Chinese medicine teaches you to keep warm in eight parts of your body.

　　Feet. Feet are the parts of the whole body that are most afraid of cold. "Cold feet make the whole body cold." The meridians of the kidney and spleen and stomach originate from the feet, but because the feet are farthest from the heart and the blood flows the longest, the blood supply is often insufficient. If your own heat energy is not enough, you should ask for "foreign aid". The best way is to soak your feet with hot water every day to promote blood circulation and make your whole body warm. Soak your feet for 20 minutes each time, and the water temperature is about 42℃. At the same time, you can massage Yongquan point on the sole of your foot, which plays the role of regulating viscera and dredging meridians. Shoes and socks should be warm, breathable and hygroscopic.

　　Waist. The waist is second to cold, which is the viscera of the kidney. The kidney likes warm and hates cold. Once it feels cold, it will immediately "get emotional". Men will have weak waist and knees, impotence and premature ejaculation, while women are prone to menstrual disorders and dysmenorrhea. Therefore, both men and women must wear long coats when it is cold, and don’t let the waist be bare. Usually, you can rub your waist with both hands: after rubbing your hands with each other for fever, press tightly on the waist eye (located at the 3.5-inch depression next to the spinous process of the third lumbar vertebra), once every morning and evening, 50-100 times each time, which can warm kidney yang and smooth qi and blood.

　　Head. The head is the master of the whole body, where all the yang meets and all the veins are connected. Once attacked by cold pathogens, it is easy to cause colds, rhinitis, headache, toothache, trigeminal neuralgia and so on. The head is still the least good at retaining heat. It is found that when the temperature is 15℃, the heat lost from the head accounts for 30% of the total body heat, and when the temperature is 4℃, it accounts for 60%. Therefore, the colder it is, the more you should keep your head warm. You must wear a hat when you go out in winter, preferably to cover your forehead. Don’t take off your hat immediately after sweating on your head. You should go indoors first and slowly eliminate the sweat to avoid the cold wind blowing directly. In addition, combing your hair more than 100 times every morning makes your scalp slightly hot, which is conducive to the smooth flow of blood in the head meridians, promoting the rise of Yang and keeping your blood alive.

　　Neck. The neck is the "fortress" of the human body, connecting the head with the trunk, or the main throat. It is also the only way for cardiovascular and cerebrovascular diseases, which makes its "body" particularly delicate. Once it is cold, cervical spondylosis, pharyngitis and cerebrovascular diseases will follow. It is best to wear a stand-up collar in winter, especially for the elderly. When going out, you must wear a scarf, which is good for preventing hypertension and cardiovascular disease.

　　Knee. The cold of the knee can lead to the contraction of local muscles and blood vessels in the joint, causing joint pain. The key to protect the knee joint is to keep warm and cold, wear knee pads, or choose woolen pants with thickened knees, and pay attention not to exercise too much. In addition to winter, in rainy and snowy days and summer, the knee joint should not be cold and damp.

　　ear Ears are small in size, have a large area in contact with air, and heat is easily dissipated. In addition, the ear skin is thin, and the auricle lacks the protection of subcutaneous fat, which is easy to grow chilblain. Therefore, when going out, you must "put on" warm coats, you can put on ear bags, or cover your ears with wide hats and scarves. When you enter the warm room from the outdoor, you can quickly rub your ears with your hands to make them warm up quickly. Massage and rub the auricle every morning, noon and evening for about 5-10 minutes each time.

　　Nose. The nose is often exposed. If the nasal mucosa is exposed to cold air, mucus secretion will be reduced, capillaries will become brittle, and the "screen" function of the nose will become worse, which will lead to germs entering the lungs and increase the chance of respiratory infection. Wear a cotton mask when going out, but it is best not to cover it with a scarf to prevent bacteria or fabric fibers from entering the nasal cavity. When it is cold, you can massage your nose every day. After rubbing the outside of your thumb together, massage it up and down 30 times along the bridge of your nose and nose. Doing it once before getting up early and once before going to bed at night can enhance the blood circulation of the nose and improve the cold tolerance.

　　Back. If the back is the yang in the yang, if the back is neglected to keep warm, it will be easily invaded by the evil of wind and cold, which will damage the yang of the human body and lead to the decline of immune function. It is best to wear a cotton vest or wool vest in winter. When the weather is good, don’t forget to sunbathe your back. The heat flow will make your whole body comfortable.

　　Massage acupoints to help keep your body warm.

　　1. Jianjing point

　　Massage Jianjing point can not only get blood circulation for the first time, but also make your shoulders and neck warmer, and can also help you relieve neck and shoulder pain and stiff neck.

　　The specific operation method is: the massaged person takes a sitting position, the massager stands behind him, his hands are open, his four fingers are close together, and he naturally rests on the shoulder well of the massaged person, and the four fingers and his thumb make a rhythmic grip relatively hard. The strength should not be too heavy and the time should not be too long. Especially people with hypertension or cardiovascular and cerebrovascular diseases should not overdo it.

　　2. Shenque

　　Shenque point is an important point for longevity. Before going to bed every night, we can rub our hands on the navel and press them alternately clockwise and counterclockwise until they get hot. This will make our abdomen warm, thus making our face rosy, and can also relieve abdominal pain, bowel sounds, edema and swelling, diarrhea and proctoptosis.

　　3. Ears

　　Traditional Chinese medicine believes that "the kidney opens to the ear" and massage the ears frequently in winter can not only prevent chilblain, but also contribute to the health care of the kidney and the smooth flow of qi and blood. Here are the three most commonly used methods.

　　Pull the earlobe: Rub the earlobe with your thumb and forefinger until it is hot, and then pull the earlobe down 15-20 times.

　　Lift the tip of the ear: hold the upper contour of both ears with your own hands, so as to properly lift the tip of the ear. When lifting, press and rub the tip of the ear with your thumb and forefinger, and wait until it is hot.

　　Rubbing the helix: put our thumb on the inside of the helix and the other four fingers on the outside of the helix, gently knead for 2-5 minutes, and then lift it up, as long as you feel hot.

　　4. Dazhui

　　Dazhui point is the meeting of "Sanyang" and "Du meridian", where the whole body yang meets. Massage Dazhui is equivalent to turning on the main switch of the whole body "heating".

　　The selection method of Dazhui point is: when you bow your head, the most obvious depression below the bony process behind the neck. When taking a shower at home, you can put the shower head at the back of your neck and rinse it with hot water continuously, which can make you feel warm all over in cold season. Generally, the shower time should not be too long (no more than 20 minutes). People who are weak or accompanied by cardiovascular diseases should also reduce the time as appropriate, and the water temperature should be around 40℃.

　　5. Yangchi

　　Yangchi point, as the name implies, is the place where the yang gathers, which is located at the midpoint of the wrist back striation. Stimulating Yangchi point takes a long time, and the force should be slow. Pressing and kneading with both hands alternately can relieve the symptoms of cold hands.

　　6. Laogong

　　In the palm of our hand, there is a Laogong point, which is the point where the tip of the middle finger points when one finger makes a fist. The five elements of Laogong point belong to fire, so you can do anti-clockwise massage by pressing, rubbing and other methods. Pressing each point for about 10 minutes, 2-3 times a day, can play the role of warming hands, nourishing the mind and promoting sleep.

　　7. Zusanli

　　"Lingshu" records: "If the yang is insufficient and the yin is excessive, the intestines will scream abdominal pain in the cold … … Tuned to Zusanli. " In autumn and winter, you often press Zusanli, which can replenish the middle energizer and make the lower limbs warm.

　　The acupoint selection method of Zusanli is: when the leg is bent, you can see a small bone higher than the skin on the outside of the knee joint, which is the outer knee eye. From the outer knee eye, you can find Zusanli at four horizontal fingers. When you massage, you usually use your thumb to focus on Zusanli, press it vertically, and knead it slowly. The other four fingers are clenched or opened, which plays a supporting role, so that the stimulation can fully reach the deep layer of muscle tissue and produce feelings such as acid, numbness, swelling and pain. After a few seconds, gradually relax and repeat the operation several times.

　　8. Yongquan

　　The place where many people are most afraid of the cold is their feet, which can’t be warmed by wearing cotton shoes. We also have a "heating" switch on our feet, which is Yongquan point.

　　Yongquan point is located in the center of the foot, in the front 1/3 depression of the sole, which is an important point for health preservation and disease prevention, especially suitable for the elderly with kidney deficiency, fear of cold, fatigue and listlessness. As the saying goes, "If you want the elderly to be safe, the spring will always be warm", it is suggested that you rub your feet together every day, or rub your left foot with your right hand and your right foot with your left hand. Sticking to massage can make you energetic, strengthen your physique and improve your ability to keep out the cold. (People’s Health Network is integrated from Health News, Life Times, People’s Daily Overseas Edition, Family Doctor Online, Qilu Evening News)

　　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

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.