"Huasong 3304082691" agreed, saying if rules are neglected for the sake of being considerate, laws and regulations may become just a "fig leaf".

Guo Tianyong, a professor with the Central University of Finance and Economics, said bank rules are to protect the customers' interests, but they are somewhat inflexible.

In the face of an aging society, commercial banks should treat elderly people in the similar way they treat important customers, such as providing visiting services.

"If so, the whole banking service system can become better and better," Guo said.