Home » Bank of China Jiangxi Branch responded to childbirth consumption loans: it is not necessary for existing products to be covered-Finance News

Bank of China Jiangxi Branch responded to childbirth consumption loans: it is not necessary for existing products to be covered-Finance News

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Original title: Bank of China Jiangxi Branch responds to childbirth consumption loan again: No need for the time being, existing products can cover

The Paper, reporter Zhong Yuhao, and intern He Yue

Printed”Bank of ChinaThe Jiangxi Branch’s “Birth Consumption Loan” poster continued to arouse heated discussions.

In the evening of June 4, the head of the Jiangxi Branch Office of Bank of China reiterated in an interview with The Paper that this product was not officially proposed and was in the internal evaluation stage. In addition, this product is not a new product. The related content and service plan are to implement a national requirement for further optimizing the supporting measures of the fertility policy. It is an appropriate design of the original product for a specific customer group, and the existing consumer loan framework It’s already covered. It’s just that some things may have a specific customer group, such as study abroad loans for international students. Ordinary consumer loans are nothing more than who can apply for it, what the interest rate is, what is the repayment method, and how long is the term.

“Looking at it now, since we have to evaluate and take these two factors into account, we internally feel that this plan is not necessary for it. The substance of the product is still the same, so we think that this (product’s ) Necessary.” The person in charge said.

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The Paper noted that the Bank of China Jiangxi Branch made three explanations through the WeChat public account “Bank of China Jiangxi Branch”: 1. The information related to the “fertility consumption loan” is internal evaluation information. 2. The Bank pays attention to the financial service needs of specific customer groups and is still conducting research and evaluation. 3. Our bank’s new product launch has a strict approval process, and it is still in the stage of plan review. According to the current assessment, the existing consumer loan products can cover the corresponding demand, and there is no plan to launch such products for the time being.

According to previous online poster information, this “birth-consumption loan” is suitable for married natural persons aged 20-50 with full civil capacity, from 6 months of pregnancy to 2 years old of children; in terms of loan amount, the maximum amount of one child is 100,000 yuan. The maximum for the second child is 200,000 yuan, and the maximum for the third child is 300,000 yuan, depending on the actual approved amount. Loans can be used for the consumption expenses required for childbirth, but not for house purchase, stock trading, financial management, business operations, etc.

The above-mentioned person in charge stated that there is no paper version at the outlets. If you see the paper version at any outlet, it means that the product is already available to the public. “If a product is evaluated internally, many things may be done, but none of them is for external use.”

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Earlier posters showed that the one-year interest rate of the childbirth consumption loan is 4.85%, and that of more than one year is 5.4%. According to an earlier report by the Daily Business News, a person in the personal loan department of Bank of China Jiangxi Branch said that such interest rates are not high in consumer loans. The staff later said that this product may have some changes recently, and the current internal policy is not yet stable. “Because the country has just implemented the three-child policy on May 31, right, this product has just come out.” As for how to change, the other party said that there are various possibilities, such as the level of interest rates. How to change next, “I don’t know yet. The specifics will eventually need to be studied in detail after the provincial branch policy comes down…”

However, the report pointed out that less than 5 minutes after the above-mentioned personal loan department introduced the product, he called and said: “Now there is no birth loan, it is only a consumer loan with a one-year term of 4.85%. Now it is only a form of consumer loan. Childbirth loan, this kind of loan, no.” Whenever the reporter asked further why it suddenly disappeared, the other party said that the call signal was not good and he couldn’t hear clearly, and then he hung up.

According to the 21st Century Business Herald, a director of Bank of China’s Ganjiang branch told reporters that “in principle, the loan amount is twice the applicant’s annual income, but the maximum amount generally does not exceed the above figure.”

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The supervisor also told reporters that not everyone is eligible for loans. “Generally speaking, applicants need to have cash in the bank, pay the provident fund through the bank, or be a customer of the bank, etc., have a fixed residence in Ganzhou, and be between 20-50 years old before they can apply for a loan.” When asked how to calculate the specific pregnancy time, the above-mentioned person in charge said that according to the standards of one child, second child, and third child, pregnancy from now until two-year-old children can be counted.

Massive information, accurate interpretation, all in Sina Finance APP

Editor in charge: Fan Di

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