Optimize the supply of financial services to improve the "happiness index" of new citizens

Optimize the supply of financial services to improve the "happiness index" of new citizens

Tang Jin Fang Biao

In order to further implement the spirit of "doing a good job of doing a good job in people's livelihood services and better satisfying the people's important instructions for the people's longing for a better life", since this year, Sichuan Longchang Rural Commercial Bank focuses on the focus of new citizens' financial services to optimize financial products, optimize financial products, and optimize financial products. Improve service quality and efficiency, help new citizens from "holding their feet" to "getting root", and effectively enhance the sense of security, gain and happiness of new citizens.

Promote the sinking and strengthen the "sense of security" of the financial literacy of new citizens

Grasp the promotion of the position. In response to the work requirements of the "New Citizen's Financial Services Propaganda Month" in response to the regulatory department, quickly formulated the plan, and actively launched a series of publicity activities. During the propaganda month, the 40 business outlets in the bank played the promotional slogan through the LED and hall display screens, and issued more than 20,000 publicity pages and product manuals. New citizens explain relevant policies in response to sex and create a strong publicity atmosphere.

Rich online promotion. Focusing on key areas such as employment and entrepreneurship, children's education, medical security, etc., the bank publishes the easy -to -understand "Card of Financial Services for New Citizens of Longchang Rural Commercial Bank" through the WeChat public account, and rolls in the morning, middle and night through the Longchang 103 Transportation Radio Play financial services publicity advertisements to enhance the degree of policy awareness of new citizens; as the only invited financial institutions to participate in the "Live Live Bringing Enterprise Assisting Enterprise Anti -Enterprise" online live webbal lection activities organized by the Employment Service Center of Longchang City and the Longchang City Rong Media Center On -site promotion of Huimin loan products such as "Entrepreneurship Guarantee Loans", "Zhixiahui Commercial Loan", and "Assisting Farming Revitalization Loans", and connected to the audience to ask questions.

Carry out special activities. All friendly units such as the Civil Affairs Bureau and the Municipal Pension University, walked into the elderly university, and held a special lecture on the theme of "keeping the old -age money and happiness and enjoying the old age" to improve the awareness and ability of new citizens' knowledge and fraud; join hands Longchang Employment Service Center, walking into small and micro enterprises, as well as communities such as osmanthus garden, Li City, etc., to explain in detail the employees and business managers of the city to explain the employment policy of new citizens into the city, and preach to preventing telecommunications fraud, anti -counterfeit currency, deposit insurance, and deposit insurance Financial knowledge such as credit reporting effectively enhances the "sense of security" of new citizens' financial literacy.

Sorry to solve problems and enhance the "sense of gain" of new citizens' entrepreneurship employment

Increase entrepreneurial loans. In order to serve the overall situation of employment and entrepreneurship of new citizens, Longchang Rural Commercial Bank and Longchang Employment Service Center signed a cooperation agreement to launch a "entrepreneurial guarantee loan", which gives the up to 200,000 yuan and 3 million yuan of entrepreneurial credit fund support, which can reach the term of the term, which can reach the term. In three years, the annual interest rate was as low as 2.2%after the fiscal discount, and provided a "one -stop" service for loan application, qualification review, loan issuance, and discount declaration. As of the end of June, a total of 135 entrepreneurial loans were processed, with an amount of 42.53 million yuan The market share reached 75%, which fully demonstrated the responsibility of local financial main forces.

Improve employment momentum. The bank closely combines the financial services of new citizens with the implementation of a series of policy activities to help the enterprise's rescue rescue, and strengthen the visit, research and financing docking of industrial parks, industrial parks, and various enterprises that absorb the employment of new citizens. It is also important to strengthen the interest rate policy and increase interest rate discounts to continuously enhance the endogenous motivation of enterprises to expand production, thereby driving the employment of new citizens. As of the end of June, a total of 321 and 713 million yuan loans this year will extend. Issuing the branch of the agricultural branch small re -loan of 247 and the amount of 535 million yuan. This year, the average interest rate of the new loan was issued by 5.67%, a decrease of 35 BPs from the beginning of the year. 57 BP.

Implement the relief policy. Introduce the "Notice on Doing a Good House on the Effectiveness of Personal Customer Loans", and to be hospitalized or isolated for infection with new coronary pneumonia. During the exhibition period, renewal, and borrowing new and old methods to maintain the stability of the credit support for new citizen credit that temporarily encounter difficulties, the delay period is up to 8 months; , Turn on the credit protection mechanism, do not consider the recovery of penalties, do not reduce the class 5, and not submit credit.

Focus on demand and add "happiness" of new citizens to build nests

Meet the housing just needed. Housing is the foundation for new citizens to really take root in the city. Focusing on the need for new citizens to buy a house, the bank has conducted in -depth investigations and extensively visited cooperative real estate and second -hand housing intermediaries and buyers to understand the situation of the housing mortgage loan market in the jurisdiction. Flexible use of the "first mortgage" policy, and timely adjust the personal housing mortgage loan interest rate, which is reduced from LPR+80bp to LPR-20BP, and the down payment ratio of the house purchase is reduced from 30%to 20%. Since the beginning of this year, the housing loan of new citizens has been issued 128 million yuan to help 318 new citizens settle in the city. At the same time, the supporting management measures of personal decoration loans are supported. The home appliance furniture market and other theme marketing activities have made new citizens really afford and live well. Since this year, a total of 72 new citizens have handled "renovation loans" for 16.04 million yuan.

Solve consumer finance demand. During the Spring Festival, the bank took the initiative to connect with the Migrant Workers Service Center of Longchang City, grasped the return of migrant workers in the entire jurisdiction, and launched a series of condolences to the "Heart Migrant Workers · New Year's warmth in the New Year" of the city, focusing on the migrant workers, focusing on migrant workers The needs of production and life, focusing on promoting "Shu Xin E · Small Agricultural Loan", accurately connecting the list of "non -sensing credit", vigorously carrying out "active invitations", so that they no longer wait for "loan". Since the beginning of this year, the farmer's small credit loan has added 279 million yuan, the number of new creditors is 28892, and the credit amount is 487 million yuan. Integrate existing products, launch comprehensive consumer loan products such as "salary loans" and "gardener loans" such as new citizen customers who employment in institutions and institutions, high -quality enterprises and other units to meet the differentiated financial needs of different customer groups; "" 1 yuan milk tea, 1 yuan breakfast, 1 yuan viewing, 1 yuan car washing "and other series of credit card consumption scenarios to reduce the cost of consumption costs for new citizens and provide financial convenience. Since the beginning of this year, a total of 206 million yuan in personal consumer loans and 333 million yuan in "Shu Xin E · Loan". Care for new citizens children. During the winter and summer vacations, the bank and the Longchang Municipal Party Committee of the Communist Youth League jointly carried out the social practice activities of college students in the 2022 "Dream Fighting Plan for Rural Commercial Assist", which provided 58 new citizens with children of college students in schools. The theme banking activities are invited to enter the business hall to learn about the functions and use of the banking machinery and the currency of the RMB to make it better into the city life; "Dream -by -time sail" college entrance examination volunteer filling in public welfare lectures, invite college entrance examination volunteer experts to teach the college entrance examination volunteer to fill in knowledge, and simultaneously open online WeChat live broadcast, a total of more than 1,000 people benefit; actively implement the policy of helping the people for student loans, and the bank and Longchang Changchang The Municipal Education and Sports Bureau signed the "Survival Loan Loan Cooperation Agreement", which adopts the "funding center+outlet" joint office form. , And supported gift cards, luggage, schoolbags and other gifts, which set off a "tide of school assistance". As of the end of June this year, a total of 2498 school loans, 1773 households, and a amount of 16.5976 million yuan, the distribution amount accounted for the local student aid 74.7%of the loan.

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