The China Banking and Insurance Regulatory Commission and the People’s Bank of China jointly issued the “Notice on Strengthening Financial Services for New Citizens” recently. In response to the practical needs of new citizens in terms of starting a business, renting a house, buying a house, children going to school, medical care and pensions, and encouraging banking and insurance institutions to actively Do a good job in connecting with existing support policies and provide diversified financial service support.
Recently, China Everbright Bank focused on the financial service needs of new citizens in key areas, and issued 24 specific measures to benefit and benefit the people in ten aspects to strengthen the service of new citizens, so as to enhance the acquisition of new citizens with high-quality and efficient financial supply. We will promote the “Sannong” service to a new level, help the “urbanization” construction to enter a new journey, and actively, accurately and prudently provide financial services to new citizens.
Deeply cultivate characteristic inclusive credit projects to help new citizens start businesses and find jobs
Everbright Bank starts with financial product design and inclusive ecological chain scenario finance to create a good financing environment for new citizens to start businesses and employment. The first is to create a product “combination boxing” with online, automated and credit characteristics to improve the convenience of new citizens’ financing; To attract employment and provide more timely credit funds; the third is to promote the implementation of characteristic inclusive loan projects such as plant mortgages, intellectual property pledges, and technology incubation, strengthen cooperation with state-owned and agricultural companies, and expand the coverage of government financing guarantees for small and micro enterprises The fourth is to focus on the five inclusive ecological chain development scenarios finance of enterprises, government agencies, trading platforms, Internet platforms, and characteristic industries to provide financial support for small and micro enterprises.
Actively participate in urban renewal projects to ease housing difficulties for new citizens
By listing urban renewal as a key area of real estate business, Everbright Bank actively implements new urbanization construction and strives to meet the housing needs of new citizens. The bank will support the healthy and continuous operation of affordable housing and help improve the housing supply for new citizens by participating in the construction of affordable housing such as public rental housing, affordable rental housing, and shared property housing, as well as the renovation of old urban communities.
Improve the convenience and equality of housing financing for new citizens
Everbright Bank adheres to the positioning of “housing and not speculating”, starting from the convenience and equality of housing financing for new citizens, to improve financial service capabilities and response speed. The first is to follow up and apply the new citizen standards specified by the local governments in a timely manner, and actively meet the reasonable demand for home purchase credit for new citizens who comply with local home purchase policies, have the ability to buy houses, and have relatively stable income; , intelligent identification of housing transaction behavior, and the use of information technology to realize remote automated, self-service loan approval, loan and loan repayment processes; the third is to implement the principle of “city-specific policies”, and reasonably determine the first housing mortgage loan for new citizens who meet the housing conditions standard.
Promote the convenience of card use and financing for new citizens’ living consumption
Through the introduction of data, China Everbright Bank enriches the portraits of new citizens, supplements the credit data of new citizens, and improves the convenience of credit card consumption and financing. The first is to focus on issuing exclusive credit cards for specific new citizen groups such as new white-collar workers, first-line blue-collar workers, and fresh graduates in the urban workplace. At the same time, it cooperates with online shopping platforms with relatively concentrated youth groups to launch rights packages and provide shopping privileges for new citizen credit card customers; Second, in response to the differentiated financial needs of new citizens in the transitional stage of entering the city and settling in the city, leveraging the advantages of online financing and rationally providing consumer credit products.
Launched guaranteed financial services to escort new citizens’ salary payment and fund security
China Everbright Bank has launched guaranteed financial services in areas such as immediate salary payment, security of house purchase funds, and compliance with training fees, which are the key concerns of new citizens in work and life. The first is to give full play to the functions and advantages of the letter of guarantee for migrant workers’ wages in the field of engineering construction to ensure the payment of migrant workers’ wages on time and in full; Drivers and other new employment forms of flexible employment provide the timeliness and convenience for citizens to obtain labor income; the third is to use the transaction fund custody function to ensure the financial security of new citizens in the process of property purchase and education in industries such as housing transactions and education and training.
Implement interest rate concessions and fee reductions for new citizen financing transactions
To promote the reduction of fees and profits, China Everbright Bank focused on reducing financing costs and expenses for new citizens, and improving the inclusiveness of various financial services for new citizens. The first is to strengthen the top-level management and assessment monitoring of the pricing mechanism of inclusive loans, establish a normalized charging inspection mechanism, strictly prevent incorrect charging, and strictly prohibit arbitrary charging. , to ease the repayment pressure and effectively reduce the financing costs for new citizens to start a business; the second is to customize the issuance of migrant workers’ “Zhongjiang” theme cards and other card types, providing five preferential policies including cost reduction, loss reporting fees, handling fees, etc.
Give full play to the advantages of wealth management to provide old-age security and inclusive wealth management for new citizens
China Everbright Bank leverages its wealth management advantages to provide inclusive pension and wealth management financial services, so that new citizens can start businesses, find jobs and buy properties with peace of mind. The first is to focus on creating inclusive wealth management and insurance products such as “1 yuan wealth management” and “water, electricity and fuel worry-free insurance”; the second is to innovate and issue more pension wealth management products that meet the characteristics of new citizens to help new citizens realize their desire to be dependent on their old age. The third is to provide commercial pension annuities and medical critical illness protection for new citizens without social security, so as to reduce the risk of illness and pensions for new citizens.
Promote the convenience and efficiency of payment services for new citizens
Taking advantage of “Everbright Cloud Payment” as the leading open and convenient payment platform in the country, through technological innovation, project expansion, increasing platform output, optimizing process experience, vigorously developing payment services in social security, education, property, medical care, elderly care and other industries, adapting to new The employment characteristics and living needs of citizens with strong mobility enhance the convenience of new citizens to obtain payment services.
Strengthen internal and external cooperation to meet the complex financial needs of new citizens
In response to the complex financial needs of new citizens, Everbright Bank actively promotes cooperation with all parties to jointly guide new citizens to obtain financial services effectively and reasonably. First, do a good job in connecting services with finance and social security, actively participate in the construction of migrant workers’ wage deposit account system, promote the implementation of migrant workers’ salary payment and special deposit accounts, and issue the third-generation social security card to provide new citizens’ pensions and other government The subsidy distribution provides convenience; the second is to cooperate with the People’s Bank of China Credit Information Center to provide a paperless inquiry service for personal credit reports.
Help new citizens popularize financial knowledge and improve financial risk prevention capabilities
Everbright Bank actively organizes special publicity activities for new citizens to popularize financial knowledge and protect consumers’ rights and interests, and constantly enhance the new citizens’ awareness of risk prevention. The first is to use the “2022 Sunshine Consumer Protection Warm Protection” financial consumer education and publicity campaign as the carrier, and by sending financial knowledge into communities, schools, and factories, etc., to popularize and educate new citizens about financial knowledge; the second is to prevent illegal Fund-raising publicity activities help new citizens to enhance their ability to prevent fraud, anti-fraud, and illegal fund-raising; thirdly, smooth the channels for new citizens to complain, improve the diversified dispute resolution mechanism, and efficiently and properly handle consumer disputes through mediation by third-party agencies, neutral evaluation, etc. Effectively safeguard the legitimate rights and interests of new citizen financial consumers.Return to Sohu, see more
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