The three departments of Shanghai Banking Regulatory Bureau have issued 12 major measures to support new citizens finance

[Dahecai Cube News] On June 28, Shanghai Banking Regulatory Bureau, the People's Bank of China Shanghai Branch, and Shanghai Local Finance and Administration Bureau jointly issued the "Notice on Doing a Good job in Financial Services for New Citizens", including actively exploring and establishing new new new citizens Top 12 major measures including citizens 'financial services "Shanghai model" and credit support for new citizens' entrepreneurial employment.

Specifically:

First, actively explore the establishment of the "Shanghai model" of new citizens' financial services. The new citizens of Shanghai mainly refer to the residence of Shanghai for their own entrepreneurial employment, children to school, and voting for their children. They have not obtained various groups of local household registration or have been less than three years of local household registration, including but not limited to migrant workers and new employment. College graduates, etc., currently there are about 10 million new citizens in Shanghai. All bank insurance institutions must deeply understand the political, people's nature, and inclusiveness of new citizens' financial services. Major measures are also based on the actual situation of Shanghai to further promote the structural reform of financial supply -side, and better support the important actions of Shanghai's anti -disease and resumption of labor and resumption. In response to the characteristics of large number of new citizens, high proportion, wide distribution, and strong flow, bank insurance institutions must combine their own characteristics and development reality, and include new citizens 'financial services into the development strategy, from new citizens' credit, insurance, guarantee, banking banks Card, payment settlement, credit reporting services, etc., form a diversified, characteristic, inclusive, and inclusive new citizen financial service supply system, provide new citizens with a comprehensive financial service solution for a full life cycle, and strive to form a copy that can be replicated. "Shanghai Model" that can be promoted.

2. Strengthen credit support for new citizens' entrepreneurship and employment. Encourage bank institutions to strengthen the analysis of factors such as new citizens' entrepreneurial forms, income characteristics, and capital needs, explore more revenue identification methods, accurately evaluate the credit status of new citizens, and formulate more flexible, convenient, inclusive entrepreneurial loans for new citizens, and inclusive entrepreneurial loans, inclusive, and inclusive entrepreneurial loans. Small loans, consumer loans and other exclusive products and service solutions. For small and micro enterprises, individual industrial and commercial households with more employment of new citizens, increase credit loans, increase the expansion of "first loan households", and do not need to apply for business licenses according to law. Corporate owners give financial support and interest rate discounts under the same conditions. Pay attention to the expansion of seamless renewal methods in the relevant fields of new citizens, and further increase the proportion of seamless renewal business on the basis of achieving the "10 billion projects". Taking Pudong's opportunity to build a socialist modern construction leading area, targeting the needs of various types of talents of new citizens, explore new business models such as "loans+external direct investment" under the premise of controlling risks, increase Shanghai "9+X "Credit support of industry and technology -based enterprises. Strive to improve the long -term mechanism of financial support for anti -disease relief and resumption of labor, attach importance to meeting the needs of new citizens, vigorously promote the implementation of new citizens' bailout financing mechanisms, and play a difficult role in financial rescue.

3. Optimize housing financial services for new citizens. Encourage bank insurance institutions to increase financial support for affordable housing construction under the premise of compliance and risk controlling in accordance with laws and regulations. Encourage preferential interest rate policies for the construction of affordable rental housing. Effectively implement differentiated housing credit policies, meet the credit needs of new citizens' reasonable house purchase, especially the first house, and improve the inclusiveness and convenience of loans and repayments. Support the construction of Shanghai Housing Rental Public Service Platform, and broaden the housing rental channels for new citizens. Encourage the car rental liability insurance, lessee liability insurance, family property insurance and other businesses, explore the "insurance+service" model, and support the healthy development of the Shanghai housing rental market.

4. Strengthen the education and financial services of new citizens. Encourage bank insurance institutions and industry associations to explore the implementation of new citizens' financial advisory mechanisms, relying on industry associations and small and micro parks, and focus on strengthening financial knowledge and financial risk education for new citizens. Encourage providing credit support and insurance protection for vocational education, school -enterprise cooperation, and skill training in accordance with laws and regulations, and promote new citizens to improve their technical skills and enhance entrepreneurial employment capabilities. Encourage relevant banking institutions to implement the national student loan policy, strengthen the cooperation of banking schools, and serve new citizens who serve the family's economic difficulties to study. Encourage the innovation of education insurance for new citizens, and actively develop insurance businesses such as academic insurance, internship liability insurance, education institution liability insurance, and inclusive preschool education liability insurance. Strictly implement the pre -charging management requirements for off -school training institutions, do a good job of "one lesson and one sales", steadily promote it to non -disciplinary off -school training institutions, and take the initiative to do a good job in the protection of consumer rights and interests.

Fifth, increase the degree of health insurance for new citizens. Increase the efforts of political and bank insurance companies, encourage insurance institutions to expand the coverage of the balance of personal health insurance accounts to purchase commercial health insurance, enrich the supply of product, and incorporate more new citizens into it. Study the feasibility of expanding the coverage of "Shanghai Hui Insurance" and enriching the supply of inclusive insurance products, and provide new citizens with more flexible health insurance products. Increase the development of differentiated products in the field of health and medical insurance, especially to increase the development of health medical insurance products for single disease protection and sub -healthy people. Encourage the pilot to flexibly employment personnel occupational damage insurance and participate in the professional damage guarantee of employment personnel in the new employment form. Focus on new citizen groups with high professional risks such as construction workers, courier riders, online car drivers, and housekeeping service personnel, and develop exclusive insurance solutions such as employer liability insurance and accident insurance suitable for new citizens' professional characteristics to make up for the risk of insufficient work injury protection.

6. Enricss new citizens' pension financial service model. Strengthen the credit support and insurance guarantee for the elderly industry, help increase the supply of Shanghai pension services, and support new citizens to pensions in the resident place. Support pilot insurance institutions to focus on new industries, new formats and flexible employees, and promote exclusive commercial pension insurance products. Do a good job of financial services such as pension and financial management in the jurisdiction, standardize the third pillar of the development of endowment insurance, and improve all products such as pension savings, wealth management, insurance, trust, and funds. Aiming at the structural changes and characteristics of new citizen families in savings deposits, investment and wealth management, insurance plans, etc., it provides a stable, long -term and inclusive pension financial product. Encourage and support conditions for bank insurance institutions with conditions to increase the construction of related pension industries in accordance with laws and regulations. 7. Improve the quality and efficiency of new citizens' basic financial services. Accelerate the implementation of small and micro enterprises and new citizens simple account opening, and improve the account opening process for the new formats of the Internet and the requirements for epidemic prevention and control, and set the account function with customer identity verification and account risk level. Encourage new citizens to provide cross -bank salary services, and support the personal existing bank cards of the book and other places as a salary card, eliminating the inconvenience of re -opening a salary card account in Shanghai. Strictly implement the requirements of migrant workers 'salary account management requirements in the field of engineering construction, actively connect with the real -name management system of construction engineering in this city, and help protect the rights and interests of migrant workers' labor remuneration. Actively broaden the channels for information inquiry, provide a variety of methods such as self -service query machines, banking banking, and bank mobile phone apps to facilitate new citizens to easily inquire about credit reports and improve the level of credit recruitment services for new citizens. Encourage the cooperation of government and bank insurance, provide government affairs to convenient services, rely on business outlets, bank cards, self -service machinery, etc., connect the Shanghai "One Netcom Office" smart government integration function, and provide new citizens with "cross -provincial -to -office" high -frequency government services.

8. Increase the benefits of new citizens' fees for benefits. All bank insurance institutions must actively strive for support of the head office (head office), insist on multiple measures, reduce the cost of lowering service, reduce the middle chain in the middle, and control management costs. Large new citizens have increased financial relief assistance. Encourage the cost of minimizing the cost of opening, settlement, and guarantee of new citizens, and effectively reduce the cost of comprehensive financial services. Encourage small and micro enterprises, individual industrial and commercial households to exempt various account opening fees, account management fees and annual fees, reduce account service charges, bank card swiping fees, and strictly prohibit illegal collection of service fees or in disguise to pass service costs, encourage high -quality in the field of people's livelihood service fields Individual merchants will give the receipt fee discount. Encourage the launch of new citizens' exclusive bank card products, supporting exclusive rights and tariff reductions such as clothing, food, housing, and academics that are closely related to new citizens, and strive to improve the sense of gain and satisfaction of financial services.

Nine, improve the way of increasing the credit and risk sharing of new citizens. Encourage banking institutions to actively promote real estate and rights pledge financing business such as inventory, accounts receivable, intellectual property rights, reduce excessive dependence on traditional mortgage such as real estate, and reduce loan mortgage guarantee requirements. Promote the cooperation of silver administration, silver, and bank insurance, establish a more scientific and inclusive risk sharing mechanism, encourage the exploration of the financing pilot mechanism of the new citizen's family asset pool and the exclusive guarantee (insurance guarantee) service mechanism for new citizens, and solve the "guarantee difficulties for guarantee , Guarantee expensive, slow guarantee ". Encourage the initiative to cooperate with relevant municipal government departments, vigorously develop products such as entrepreneurial guarantee loans, science and technology assistance loans, and implement policies such as guarantee and discounts for new citizens in accordance with conditions, and simplify or exempt anti -guarantee requirements in accordance with regulations. Promote small loan guarantee insurance, export credit policy financing and other businesses, steadily expand the scale and coverage of the pilot, and encourage feed rates.

X. Innovate the financial service model of new citizens. Encourage bank insurance institutions to focus on Shanghai's "five new cities", various types of innovation and entrepreneurial bases, industrial industrial parks and other new citizens gathering areas and key industries, and establish a sound innovation mechanism for new citizens' financial service models. Take the initiative to strengthen the docking with the relevant municipal government departments and industry associations, and orderly expanding the establishment of new citizens' credit information co -construction and sharing under the premise of building personal information protection. Essence Encourage the use of information technologies such as big data, artificial intelligence, cloud computing, blockchain, etc., steadily develop digital financial products, and provide more flexible, affordable and convenient scenario -based financial products in accordance with different groups of new citizens to enhance the accuracy of financial services. Explore digitalization methods, real -time monitoring, docking, and serving small and medium -sized enterprises in the city, and financial needs of new citizens, provide exclusive bank insurance products and online services, and improve the accessibility of products and services. Explore the establishment of partnership banks and partnership insurance mechanisms, and cultivate long -term cooperative relationships and optimization of "governments, banks, insurance, industry, parks, and enterprises". Increase the training of bank customer managers and insurance expert consultants, actively promote the "online+offline" service model, continuously reduce the focus and service threshold, and promote the sinking of financial services for new citizens.

11. Establish and improve the incentive mechanism of new citizens' financial service assessment. All bank insurance institutions should effectively enhance the political consciousness and overall awareness of financial services, compact the main responsibilities, set up a leading group of "first -hander", set up special work classes, refine work plans, and work plan for the work plan within 15 days after this notice will be issued. Submit to the Shanghai Banking Regulatory Bureau (the inclusive office and counterpart agency supervision office), and incorporate the implementation of the financial services of new citizens into the scope of the annual work assessment and the "two responsibilities" of the Discipline Inspection Commission of the Party Committee. It is necessary to re -sort out the internal rules and regulations, revise the differential terms of new citizens, and encourage the expansion of the scope of application on the basis of existing products, and provide new citizens with equal, inclusive and convenient policy environments. It is necessary to increase the incentives and constraints, implement differentiated assessments in the aspects of manpower, funds, internal transfer pricing, and performance evaluation, and improve the enthusiasm of various branches and staff to serve new citizens. All legal enthusiasts insurance institutions should strengthen their sense of social responsibility, take the initiative to cross the first two steps, give play to the advantages of the headquarters, and increase their innovation in terms of service strategy, service objects, service areas, resource layout, product design, etc. The full life cycle financial products and services form a copy that can be promoted to the "Shanghai brand". Relevant financial regulatory authorities should strengthen tracking monitoring, supervision and inspection, and conduct work evaluation and establish a notification mechanism in a timely manner. All industry associations should strengthen industry coordination and self -discipline, guide bank insurance institutions to continue to increase their work, improve service measures, and ensure that the tasks of financial services for new citizens are implemented. 12. Establish and improve supporting policies for new citizens' financial services. Relevant financial regulatory departments should strengthen work cooperation and communication, strengthen policy research and reserves, and continuously improve the policy tool box. All bank insurance institutions should take the initiative to strengthen cooperation with relevant departments of the Shanghai Municipal Government, strengthen the effective connection with departments such as finance, housing, social security, market supervision, and medical insurance. Establish cooperation mechanisms for wages, medical insurance payment and settlement, and improve supporting support policies. It is necessary to further make good use of the inclusive small and micro loan support tools, as well as policies such as supporting farmers, supporting small loans, re -discounting, and fiscal subsidies, and encourage the expansion of policy bank transfer loans, effectively meet the financial needs of new citizens.

Responsible editor: Tao Jiyan | Review: Li Zhen | Director: Wan Junwei

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