Beijing Bank of Communications to carry out new citizens' financial services work

In order to thoroughly implement the decision -making and deployment of the Party Central Committee and the State Council, and effectively enhance the sense of gain, happiness, and security of new citizens, the Bank of Communications focuses on the needs of new citizens in key areas of entrepreneurship, employment, housing, education, medical care, and pension, and focuses on new citizens. The accessibility and convenience of financial services have launched a number of benefits to the people who help new citizens.

Based on the capital of the Beijing Branch of the Bank of Communications, based on local new citizen service policies, customer base characteristics, and territorial characteristics, we will carry out the financial services of new citizenship according to local conditions, and actively support people's livelihood improvement and development of inclusive finance.

● Promote entrepreneurship and employment, expand the supply of financial products and services

Strengthen the localized innovation of "inclusive E loan" of the Bank of China, and gradually realize the scale of loan in key customers such as downstream dealers, science and technology enterprises, etc., and help support new citizen groups to solve problems such as entrepreneurship and employment. At the same time, the Beijing Entrepreneurship Guarantee Loan Project of the Beijing Municipal Bureau of Finance, the Beijing Municipal Human Resources and Social Security Bureau, and the Business Management Department of the People's Bank of China. Docking and promoting entrepreneurship drive employment. Branch entrepreneurial guarantee loans are used to support personal entrepreneurship or small and micro enterprises to start a loan business for employment. The maximum loan amount does not exceed 3 million yuan.

● Meet the demand for living and optimize housing financial services

Introduce products such as "Huimin Loan", "Parking Loan", "Credit Payment" and other products, providing personal housing loans, personal consumer loans and other loan funds for loan funds such as house purchase, residents' consumption, etc. Whether to enter or not, there is no place for household registration, and borrowers who have no Beijing household registration can also apply, and provide credit card campus card products for college students (including seniors who are about to graduate), help support the "new citizen" group to solve housing to resolve housing question.

● Focus on regional industries and strengthen supporting financial support

Focusing on serving the real economy, we will increase marketing services in the fields of manufacturing, private economy, rural revitalization, green credit, and urban reconstruction industries, and continuously improve the financial service system of new citizens from the source. As of the end of 2021, branches in the manufacturing, construction industry, transportation industry, warehousing and postal industry, and residential service industries, which attracted more than 60% of the "two increases" loans of small and micro enterprises in the industry where new citizens were in the industry. above.

● Do a good job of wealth management and escort a better life

Enrich the types of wealth management products, and provide new citizens with diversified financial management products such as wealth management, funds, insurance, government bonds, trusts, and precious metals. As well as professional, forward -looking and intimate asset allocation services, regularly invite industry experts to hold investment basic knowledge report meetings, analyze market trends, and share investment experience.

● Create an old -age care brand and enrich the connotation of pension financial services

Fully attach great importance to the elderly, and strive to create a complete financial support for the elderly care service system. Strengthen the care of elderly groups and enrich the life of the elderly. Since 2017, the Ward Square dance activity has been carried out every year, and the exclusive Ward pension plan has been launched. Provide customers with a package of pension financial products, covering exclusive financial management, pension FOF funds and rich insurance guarantee products, and improve the third pillar of the resident's pension security system. Combining financial services with pension physical services to provide customers with products with value -added services with high -quality pension communities.

● Enhance convenience and improve the basic service of new citizens

Since November 2021, individuals issued rural rejuvenation cards such as individual farmers, professional households, employees of agricultural enterprises, heads of agricultural cooperatives, and heads of agricultural cooperatives, and the person in charge of agricultural cooperatives, and enthusiastically participating in the country's rural revitalization. Working fee, card annual fee, mobile banking transfer fee, cities and different places cross -bank withdrawal fees, balance changes reminds SMS service fees, etc., and will gradually integrate into other value -added services to help the integration and development of "new citizens" and the countryside Revitalize.

In the future, the Beijing Branch of the Bank of Communications will continue to adhere to the people -centered development concept, and strengthen product and service innovation to provide more accurate and better comprehensive financial services around the beautiful life of new citizens.

[Responsible editor: Gao Chang]

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