Core Values I Practice | China Merchants Bank Bank Linyi Branch: Focusing on “Two Departments and Two Members” to Help Protect the Financial Rights and Interests of Key Groups

（Source: Yimeng Finance）

To actively respond to regulatory calls, under the work arrangements and deployment of regulators and the head office, China Merchants Bank Linyi Branch has carried out a series of special campaigns of “doing practical things for the people.” Targeting key groups including truck drivers, ride-hailing drivers, couriers, and food delivery personnel—known as “Two Drivers and Two Members”—the branch addresses the real needs of “Two Drivers and Two Members” in areas such as financial knowledge, risk prevention, and financial services through precise service and innovative initiatives, demonstrating China Merchants Bank’s social responsibility and commitment.

I. Focus on key groups and provide precise services for their needs. “Two Drivers and Two Members” are important participants in the operation of the city’s economy, but due to the special nature of their jobs, they often face issues such as a lack of financial knowledge and weak risk-prevention awareness. Through in-depth research, China Merchants Bank Linyi Branch accurately identified the actual needs of this group and designed targeted financial services and promotional activities. For example, taking into account their unstable income, it promoted financial concepts such as rational borrowing and reasonable fund planning, helping them avoid getting into trouble due to excessive debt; considering this group’s strong mobility and diverse financial needs, it launched special publicity on preventing telecom fraud and illegal fundraising, helping them enhance their risk identification ability.

II. Innovate service initiatives to enhance financial accessibility. With concrete actions, China Merchants Bank fulfills its commitment to “doing practical things for the people” and rolled out a series of innovative measures to provide convenient and thoughtful financial services for the “Two Drivers and Two Members” groups: first, carry out financial knowledge popularization. China Merchants Bank Linyi Branch went into locations where truck drivers gather, rest areas for ride-hailing drivers, and centralized delivery points for couriers and food delivery personnel, holding activities such as mini financial literacy sessions and interactive Q&A to help key groups grasp basic financial knowledge and risk-prevention skills. Second, optimize financial service processes. At some branches, “Two Drivers and Two Members” dedicated service windows were established to provide this group with services such as priority processing and one-on-one consultations, reducing waiting time, improving the service experience, and increasing their sense of financial gain.

III. Strengthen coordination from multiple parties to form a service synergy. To expand service coverage, China Merchants Bank Linyi Branch actively cooperates with regulatory authorities, community service centers, and others, integrating resources; it also jointly organizes themed activities with logistics companies, courier companies, and others to ensure that the “Two Drivers and Two Members” groups can enjoy more comprehensive financial services and protection of their rights and interests.

IV. The campaign results are significant and have won widespread acclaim. Through the “doing practical things for the people” special campaign, it helped key groups such as truck drivers, ride-hailing drivers, couriers, and food delivery personnel effectively improve their business handling efficiency and master basic financial knowledge and risk-prevention skills.

In the next step, China Merchants Bank Linyi Branch will take this campaign as an opportunity to further deepen work on protecting the rights and interests of financial consumers. Based on the needs of different groups, it will roll out more diverse forms of financial services and promotional activities with rich content. Meanwhile, it will continue to optimize financial services, earnestly do practical things for the people and help solve their problems, and contribute financial strength to social harmony and stability.

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