中證(zheng)網訊（記者 歐(ou)陽劍(jian)環）銀(yin)保(bao)監會網站1月26日消息，銀(yin)保(bao)監會日前印發的《關于銀(yin)行業保(bao)險(xian)業數(shu)(shu)(shu)字(zi)化(hua)轉(zhuan)型的指導意見(jian)》提出，大力(li)推(tui)進個人金(jin)融服務(wu)(wu)數(shu)(shu)(shu)字(zi)化(hua)轉(zhuan)型。充(chong)分(fen)利(li)用(yong)科(ke)技手段開(kai)展(zhan)個人金(jin)融產(chan)品(pin)(pin)營銷(xiao)和服務(wu)(wu)，拓展(zhan)線(xian)(xian)(xian)(xian)上(shang)(shang)(shang)渠(qu)道，豐富服務(wu)(wu)場(chang)景，加強線(xian)(xian)(xian)(xian)上(shang)(shang)(shang)線(xian)(xian)(xian)(xian)下(xia)業務(wu)(wu)協同。構建面向(xiang)互聯網客群(qun)的經營管(guan)理體(ti)系(xi)，強化(hua)客戶(hu)體(ti)驗管(guan)理，增強線(xian)(xian)(xian)(xian)上(shang)(shang)(shang)客戶(hu)需(xu)求洞察能(neng)(neng)(neng)力(li)，推(tui)動營銷(xiao)、交易、服務(wu)(wu)、風控線(xian)(xian)(xian)(xian)上(shang)(shang)(shang)化(hua)智能(neng)(neng)(neng)化(hua)。對老年、殘障、少數(shu)(shu)(shu)民(min)(min)族(zu)等客戶(hu)群(qun)體(ti)，加強大字(zi)版、語(yu)音版、民(min)(min)族(zu)語(yu)言(yan)版、簡潔版等應用(yong)軟件功能(neng)(neng)(neng)建設，增強對無(wu)網點(dian)地區及無(wu)法(fa)到達網點(dian)客群(qun)的服務(wu)(wu)覆蓋，提高(gao)金(jin)融產(chan)品(pin)(pin)和服務(wu)(wu)可獲得性，推(tui)動解(jie)決"數(shu)(shu)(shu)字(zi)鴻溝"問題。