Escorting New Employment Groups, Bank of Communications Provides Financial "Safety Umbrella" for "Two Companies and Two Professionals"

Originally from: Xinhua Finance

As the “capillaries” of city operation, the “Two Drivers and Two Members” (truck drivers, ride-hailing drivers, couriers, and food delivery workers) are an important part of new employment groups and the “frontline force” for people’s livelihood services. They work at a fast pace, are highly mobile, and face practical challenges such as income fluctuations, job mobility, and difficulty accessing information while on the move. They have an urgent need for convenient and safe financial services and accident protection. From the perspective of the Bank of Communications, this group of workers who spend more than ten hours a day on the road are not only the “conveyor belt” of the economy but also an important area and focus for financial services.

From offline outreach to “fingertip” classrooms

For the “Two Drivers and Two Members” group, financial support is not only about easy loans and quick claims but also about understanding and recognizing financial scams. In the face of new scams such as “order brushing rebates,” “impersonating customer service for refunds,” and “lending accounts,” they are often easy targets for criminals. Therefore, the Bank of Communications conducts concentrated publicity around key dates like March 15th Consumer Rights Protection Day, bringing financial knowledge directly to their fingertips.

“Usually busy taking orders and running around, I never really thought about these financial traps. After listening to the explanation today, I realized that those ‘high returns’ are all traps!” said Xiao Li, a courier in a logistics park in Qingpu District, Shanghai, after hearing a presentation on illegal fundraising cases by Bank of Communications staff. In recent days, the Shanghai branch of the Bank of Communications has formed a small financial publicity team that roams through the streets and alleys of Shanghai, visiting logistics parks, courier transfer stations, ride-hailing pick-up points, and food delivery rider stations, delivering thoughtful “financial safety guides” to frontline workers.

[Image: Bank of Communications Shanghai branch providing mobile financial safety tips to riders]

The Beijing branch of the Bank of Communications focused on food delivery riders, visiting a Meituan station on Wenhuiyuan South Road, and held a special financial education session for more than 50 riders. To ensure the knowledge truly sinks in, staff also performed a self-written and performed skit titled “Food Delivery Rider Anti-Fraud Three and a Half,” using catchy folk art forms to vividly and humorously depict common traps like scam calls and illegal online loans.

In Lhasa, the Bank of Communications Tibet branch came up with a “new approach.” On March 9, they visited the Shunfeng Express Liuwu branch, combining “mobile banking vehicle + real scene promotion” to carry out consumer protection publicity. Through real case reconstructions and scam pattern analysis, they provided intuitive risk warnings during workers’ breaks. This approach not only enriched the publicity methods but also brought the bank closer to the new employment groups.

If offline activities are about “face-to-face” warmth, then online platforms are about “point-to-point” broad reach. In Henan, the Bank of Communications partnered with “UU Paotui” to display consumer protection splash screens on their “Running Man” app, covering over 230 cities nationwide and reaching 9 million ride-hailing delivery workers precisely. They also pushed targeted consumer protection SMS to more than 10,000 ride-hailing drivers in Zhengzhou via Didi platform service providers; in Beijing, on March 15, the Bank of Communications launched the “Click to Learn About Bank of Communications Benefits” activity on the Meituan rider delivery mini-program, where riders can win practical items like windproof gloves, sun protection sleeves, and disposable raincoats, and also learn about consumer protection, participate in Q&A, and share scam prevention tips online. For riders, the best way to learn is not through forced indoctrination but through precise access during fragmented time. A poster, a message, a click—through the persistent digital outreach of the Bank of Communications, financial knowledge gradually enters their view.

[Image: Bank of Communications Henan branch partnering with UU Paotui to display consumer protection posters on their “Running Man” app]

From humanized services to comprehensive protection

Rest when tired, drink water when thirsty, charge your phone—these seemingly simple services are the most genuine respect for “runners.” To this end, the Shanghai branch of the Bank of Communications has set up “Outdoor Worker Love Relay Stations” and “Bank of Communications Love Stations” at 37 branches, equipped with water dispensers, charging devices, and resting seats, creating warm resting spots for couriers, food delivery workers, and other outdoor workers.

In Liaoning, this kind of protection extends to the front line of claims. Mr. S, a full-time rider for a certain platform, had purchased Bank of Communications Life Medical Insurance years ago. In the second half of 2025, he was involved in a traffic accident during peak delivery hours, resulting in a fracture and hospitalization. After receiving the claim report, the Bank of Communications Life claims specialist immediately contacted Mr. S, informing him of his rights as a financial consumer, such as the right to claim and the right to know, and opened a “green channel” for the “Two Drivers and Two Members” claims process. The entire process supported online submission of medical records, invoices, and accident reports, eliminating the need for running around, copying, or resubmitting. From report to payout, it only took two working days. After the claim was settled, staff also provided education on insurance knowledge, exemption clauses, accident evidence collection, and claims procedures to Mr. S and nearby riders, helping them improve risk prevention and rights protection awareness. Mr. S said, “I didn’t expect insurance claims to be so quick and warm. It really provides a solid safety net for our delivery workers’ travel and life!”

Additionally, the Bank of Communications is exploring more tailored financial services for the “Two Drivers and Two Members”: flexible savings accounts, small high-frequency benefit loans, and exclusive claims channels, ensuring comprehensive financial protection truly runs into their daily lives.

The “Two Drivers and Two Members” are the cornerstone of city operation and a key area where financial services must reach. From a small corner to the big picture, the Bank of Communications’ efforts show that serving new employment groups is not a grand narrative but a series of specific scenarios. The ultimate goal of financial services is to make every person on the move feel seen and protected. Because protecting city runners is ultimately protecting the city itself. (Deng Kan)

Editor: Tan Rui