At present, there are more than 8 million new citizens in the Beijing area, accounting for about 40% of the total permanent population. Recently, the Beijing Bureau of Banking and Insurance Regulatory Commission will promote the improvement of the quality and efficiency of financial services for new citizens in the capital in three aspects including “big data application”.
Beijing News Shell Finance News (Reporter Huang Xinyu) On April 11, the Beijing Banking and Insurance Regulatory Bureau officially issued the “Notice on Doing a Good Job in Financial Services for New Citizens within the Jurisdiction” (hereinafter referred to as the “Notice”). Member and Deputy Director Wang Wei also answered questions from reporters on “Supervision and guidance to comprehensively promote the improvement of the quality and efficiency of financial services for new citizens”. According to Wang Wei, there are currently more than 8 million new citizens in Beijing, accounting for about 40% of the total permanent population. Recently, the Beijing Bureau of Banking and Insurance Regulatory Commission will promote the improvement of the quality and efficiency of financial services for new citizens in the capital in three aspects including “big data application”.
The survey shows that, in line with the positioning of the capital city and the characteristics of economic and social development, the current new citizens in Beijing show the characteristics of “concentration at both ends”. “which is ‘One end is focused on emerging industries such as technological innovation and cultural creativity, and the other is focused on service industries such as logistics and housekeeping. The financial service needs of these two types of new citizens are quite different. “Wang Wei explained.
It is reported that the Beijing Banking and Insurance Regulatory Bureau adheres to people-oriented, adapting measures to local conditions, prints and issues notices in a timely manner, refines regulatory requirements around key areas of financial services for new citizens such as entrepreneurship, employment, housing, and medical care, and guides Beijing’s banking and insurance industry to more actively and effectively help new citizens live and work in peace and contentment. . In the near future, the bureau will mainly promote the “big data application”, “guarantee the wage payment of migrant workers” and “increase the supply of insurance products and services”.
In terms of big data application, the Beijing Banking and Insurance Regulatory Bureau stated that it will continue to break through regulatory and government data barriers and enrich data dimensions. On this basis, data sharing will be carried out in compliance with laws and regulations to help banking and insurance institutions use big data to accurately assess the credit level of new citizens. , and effectively improve the accuracy of pricing of financial products for new citizens and the effectiveness of risk prevention and control.
Regarding the application of big data around new citizens in Beijing at the current stage, according to Wang Wei, the Beijing Financial Comprehensive Service Network has achieved direct data connection with 5 government departments, integrating provident funds, social security, medical insurance, civil affairs, real estate for new citizens. and other information; 42 banking and insurance institutions have applied for access to the network, and can quickly query relevant data under the premise of obtaining customer authorization. “Helps to accurately capture the credit status of new citizens, launch corresponding financial products in a targeted manner, and carry out risk prevention and control quickly and efficiently,” he said.
Just last week, the China Banking and Insurance Regulatory Commission issued two work notices on new citizens on April 6 and April 8, namely, the “Notice on the 2022 Banking and Insurance Services to Comprehensively Promote the Key Work of Rural Revitalization” and “Notice on Further Strengthening Financial Support for the Development of Small and Micro Enterprises in 2022”.
In these two work notices, the China Banking and Insurance Regulatory Commission requires that banking and insurance institutions should improve the level of financial services for new citizens such as urban farmers; focus on industries and regions that attract more urban farmers, increase credit input and insurance protection, and target farmers According to the characteristics of urban farmers’ financial needs, develop exclusive products. At the same time, the China Banking and Insurance Regulatory Commission also emphasized that banking and insurance institutions should focus on the tasks of ensuring employment and people’s livelihood, and actively respond to the financial needs of new citizens, self-employed industrial and commercial households, and self-employed individuals who do not need to apply for business licenses according to law, and improve the equality and convenience of financial services. sex.
In the “Notice on Further Strengthening Financial Support for the Development of Small and Micro Enterprises in 2022”, the China Banking and Insurance Regulatory Commission also made arrangements for the implementation of the “Government Work Report” task of “promoting the integration and sharing of enterprise-related credit information”. All banking and insurance institutions shall actively participate in promoting the construction of credit information sharing mechanisms and financing service platforms, promote the orderly expansion of the scope of information sharing, improve the availability of information and data, and improve platform functions. At the same time, focus on summarizing and promoting the good experience in the construction of provincial and municipal financing and credit service platforms, and improving the efficiency of regional information integration, sharing and application.
The Beijing News Shell Finance reporter Huang Xinyu edited Bai Huabing to proofread Li Ming Return to Sohu, see more
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