Expert interpretation: the “three-child” policy is here-develop inclusive childcare services to reduce family parenting pressure
▲Jiangxi branch of a bank launched a “childbirth consumption loan” for families with three children.
In recent years, some of the banks’ exotic loan products have emerged one after another. Graveyard loan, wedding loan, gift loan… Now, there is another “three-child loan”.
According to reports, the Jiangxi branch of a bank launched a “childbirth consumption loan” for families with three children. According to relevant publicity materials: a family with one child can apply for a maximum of 100,000 yuan, a family with a second child can apply for a maximum of 200,000 yuan, and a family with three children can apply for a loan of up to 300,000 yuan, depending on the actual amount of approval; the maximum period of the product is 3 years; The 1-year annualized interest rate is 4.85%, and the 1-3-year annualized interest rate is 5.4%.
In response to this, the bank involved issued a statement later on June 4, stating that the information related to the “childbirth consumption loan” was the bank’s internal evaluation information, and there is no plan to launch such products for the time being. But at the same time, the bank also stated that it “pays attention to the financial service needs of specific customer groups.”
Obviously, the “three-child loan” that the bank has already “internally evaluated” is in response to the three-child policy just announced. On May 31, the Politburo of the Central Committee held a meeting to clarify that it is necessary to further optimize the childbirth policy and implement the policy that a couple can have three children and supporting measures. This means that the era of the three-child policy has arrived.
The central government’s deployment of the three-child policy is based on timely adjustments to the current demographic situation of our country. Citizens actively respond to national policies and have three children, which is conducive to promoting the long-term balanced development of our population. However, the bank involved in the launch of the “Three-Child Loan” at this time, although it seems that it is also echoing the national policy, but its understanding of fertility obviously has a serious bias and a sense of absurdity.
It should be clear that the “three-child loan” is just what netizens call it. This loan project was originally called the “childbirth consumer loan”, that is to say, the “three-child loan” is just another type of consumer loan. Consumer loans are essentially a financial product, a tool to boost consumption. Linking consumer loans with fertility has a meaning of productizing and instrumentalizing fertility, which obscures the rich meaning of fertility itself.
Childbirth does not only mean the generation of the next generation and the continuation of generations. It is essentially a life event and ethical event, which embodies human dignity, rights and freedom, and entrusts human beings with beautiful imagination and expectations for life. The “Three-Child Loan” itself has a kind of cold instrumental rationalism, narrowing fertility into a product under the consumerism scene, which is a downgrade of the “concept” of fertility.
As a financial product, there is nothing wrong with consumer loans, but not everything is suitable for inclusion in consumer loans. Like the previous “Beauty Gift Loan” launched by a bank in Jiangxi, the biggest problem with the “Three Children Loan” is that this product is too confined to a financial perspective and works on profit algorithms, while ignoring the humanistic attributes of childbirth itself.
For this reason, even if it is still in the “internal evaluation” stage, we hope that the banks involved will give more consideration to this aspect when they are “focusing on the financial service needs of specific customer groups”, otherwise, they will only have economic rationality in their eyes and no human relations. , “Rollover” is reasonable.
□Wang Yanhu (media person)
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