Which new citizen service is strong?Ao Yiyi Test each bank | Next Chapter

The Shenzhen Banking Regulatory Bureau and the Shenzhen Center Sub -branch of the Central Bank and the Shenzhen Local Financial Supervision Bureau's "Implementation Rules on Strengthening New Citizens' Financial Services" (hereinafter referred to as the "Details") proposed that financial institutions should follow the "four specializations and four modernizations" The ideas are focused on the seven key areas of key areas such as entrepreneurship and employment, rental housing, education, and medical care of new citizens.

The reporter visited different banks

Comparison of major banks' new citizen policies for major banks

Pension

1

Pudong Development Bank Shenzhen Branch

Customized services have been launched in salaries, social security finance, investment and wealth management, and housing mortgage to protect the financial rights and interests of new citizens.

2

Bank of China Shenzhen Branch

Enrich the supply of financial products, provide online learning channels for elderly universities, and meet the needs of cultural and educational needs of new citizens and elderly groups. Elderly groups popularize financial knowledge; according to the actual situation of branches, to build silver -haired specialized outlets for old service; continuously optimize online silver -haired service channels, and use mobile banking silver -haired areas to provide easy online services for new citizens and customers for the elderly.

3

Everbright Bank Shenzhen Branch

Innovate the release of pension wealth management products that are in line with the characteristics of new citizens, for new citizens without social security, and provide business pension and medical care and medical critical illnesses.

Do a good job of docking services with financial social security, actively participate in the construction of migrant workers 'salary margin account system, promote the implementation of migrant workers' salary issuance and margin business, and issue third -generation social security cards to provide government subsidies such as new citizens convenient.

Cooperate with the Credit Credit Center to carry out paperless inquiry services for personal credit reports.

Create 1 yuan wealth management, hydropower and worry -free insurance and other inclusive financial management and insurance products.

Aspect

1

Pudong Development Bank Shenzhen Branch

None for the time being

2

Bank of China Shenzhen Branch

Relying on the "Bank of China Training" employment training support platform, employment guidance, career development, workplace skills and financial professional training are provided.

Provide national student loans for university students in new citizens; provide "sail loans" for new graduate college students to solve their needs for transition funds in the early stage of work; new citizens who have vocational education skills training provide "BOC e loan loan "Consumer loan products help them improve their skills and employment capabilities.

3

Everbright Bank Shenzhen Branch

By entering the community, entering schools, and factories to send financial knowledge, do a good job of popularizing the education of new citizens' financial knowledge.

Carry out publicity activities to prevent illegal fund -raising, help new citizens to strengthen anti -fraud and prevent illegal fund -raising capabilities.

Fresh the channels for complaints of new citizens, improve the diversified solution mechanism of disputes, deal with consumer disputes through third -party organization mediation, neutral assessment and other methods, and effectively safeguard the legitimate rights and interests of new citizens' financial consumers.

Medical

1

Pudong Development Bank Shenzhen Branch

None for the time being

2

Bank of China Shenzhen Branch

Provide corporate property insurance, liability insurance, credit guarantee insurance, health insurance, personal accident insurance, commercial pension insurance, group comprehensive accident insurance, group millions of medical insurance, group serious illness insurance, group regular life insurance , Group Lifetime Life Insurance, Group Lifetime Heat Insurance, Group Pension Insurance and other insurance products, develop and design exclusive products for flexible employees among new citizens to meet differentiated needs.

3

Everbright Bank Shenzhen Branch

None for the time being

Aspect of entrepreneurship

1

Pudong Development Bank Shenzhen Branch

Increase credit offering, and the implementation of various special financial resources throughout the year is not less than 250 billion yuan. Focus on key areas, provide "financing+fusion+fusion" full -service services for the green industry, specialized new enterprises, and supply chain industries to ensure that the growth rate of loans is not lower than the growth rate of loans in the bank.

Focusing on 20 strategic emerging industrial clusters in Shenzhen, 8 future industrial clusters, 20 major manufacturing parks and 500 billion -level industrial clusters in Zhuhai City, the establishment of project libraries and white lists, effectively improving approval and lending efficiency, and projects Loans, mergers and acquisitions loans and other forms actively support the development of strategic emerging industries, and continuously expand the breadth and coverage of financial support.

Increase credit distribution in the fields of infrastructure and people's livelihood engineering, increase information infrastructure such as communication networks, data centers, intelligent transportation, smart energy and other integrated infrastructure, scientific education, industrial technology and other fields Essence

Increase credit distribution of rural revitalization, actively serve rural revitalization strategies, refine financial service measures, and comprehensively support agricultural chemical, seeds, agricultural machinery, rural foundations in the introduction of capital, innovative technology, open up supply chains, and ecosystems. Enterprises such as facilities.

Increase investment in bonds that serve national strategies, increase investment in special bonds such as local special bonds, small and micro financial bonds, green financial bonds, and service resistance. Construction; provide supporting financing support for eligible special bond projects.

2

Bank of China Shenzhen Branch

Formulate and promote the new citizens' inclusive financial service solutions for the "Huixin Communist Party", focusing on the entrepreneurial form, income characteristics, and capital needs of new citizens such as college graduates, skill talents, individual industrial and commercial households, and small and micro -enterprise owners. It provides products and services such as personal entrepreneurial guarantee loans, "skills talent loans", and personal business loans to promote the entrepreneurial and employment of new citizens.

Strengthen the expansion and credit loans of small and micro enterprises for "first loan households"; promote the "Hui Ruyi · Thousands of Family" inclusive financial action plans to provide financing support for small and micro enterprises with more employment of new citizens, assisting in employment support, employment matching assistance Wait for comprehensive inclusive financial services.

3

Everbright Bank Shenzhen Branch

None for the time being

in education aspect

1

Pudong Development Bank Shenzhen Branch

None for the time being

2

Bank of China Shenzhen Branch

Through offline channels such as the "Hui Ruyi" app and offline channels such as business outlets, in areas where new citizens gather more, organize and carry out the popularization of financial knowledge preaching, anti -fraud, anti -fraud, and prevention of illegal fundraising for new citizens. Education and new citizens related financial product introduction and other activities.

3

Everbright Bank Shenzhen Branch

For specific new citizen groups such as workplace white -collar workers, blue -collar workers, and fresh graduates, they issue exclusive credit cards. The more concentrated online shopping platforms with young groups will be issued to launch equity packages for new citizen credit card customers to provide shopping privileges.

In response to the differentiated financial needs of new citizens in the transitional phase such as entering the city, they have exerted online financing advantages to reasonably provide consumer credit products.

Optimize basic financial services

1

Pudong Development Bank Shenzhen Branch

The introduction of the special discount loan of inclusive finance is not less than 2 billion yuan.

The introduction of inclusive financial product portfolios, focusing on silver tax loans, borrowing loans, Youke tax loans, housing fast loans, Puyin Fast loan, silver ticket discounting and other products, combined with science and technology finance advantage products, continue to optimize the product system, Improve the breadth of inclusive financial coverage and service; enrich the online service channels, and use online products such as online factories and online stickers to provide services for enterprises.

Use third -party credit increase to improve credit convenience, increase the amount of enterprises through "technology insurance loan" products, and use "personal insurance for insurance" products for individuals; strengthen cooperation with government financing guarantee agencies, focus on transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, and focusing The financing needs of small and micro enterprises and individual industrial and commercial households in the catering, accommodation and tourism industry.

Increase the efforts of operating loans, support the business credit needs of individual industrial and commercial households; optimize the business loan service plan, implement elastic preferential interest rates, provide flexible interest check -up methods, and help individual industrial and commercial households steadily operate.

Establish a green channel for the review and approval of inclusive financial loans, implement special assessment, adverse tolerance, and due diligence exemption requirements, and implement a long -term mechanism for small and micro enterprises to loan, loan, loan, and loan. 0 approval, the fastest T+3 approval of the inclusive loan.

Improve the quality and efficiency of services, walk into the community, enter the park, enter the enterprise, send the service to the door, provide enterprises with targeted financial consulting services and comprehensive financial solutions; strengthen the popularization of financial knowledge and preferential policies.

2

Bank of China Shenzhen Branch

Establish a "financing direct vehicle" for new employment citizens and build a rich and convenient online financial service channel. The supporting facilities include exclusive services including customized product solutions, green approval and complaint processing channels, and preferential loan interest rates. Putting it; setting up "new citizens to serve the Harbor" on the Bank of China inclusive financial characteristics outlets to provide supporting services such as daily rest, convenience services, and product promotion of new citizens.

3

Everbright Bank Shenzhen Branch

Promote the convenience and efficiency of new citizens' payment services.

Through technological innovation and project expansion, increase platform output, optimize the process experience, and improve the convenience of new citizens to obtain payment services.

Housing

1

Pudong Development Bank Shenzhen Branch

To do a good job of bailout work, for manufacturing customers, small and medium -sized customers, and individual industrial and commercial households identified as trapped, through adjustment of loan periods, extension of repayment, extension of interest payment, reducing penalties, adjusting the frequency of interest -settings, no repayment, no return. Renewal of loan and other methods, do not draw loans, disconnection, and loan.

For individuals who have been identified as a reasons for the epidemic, the personal housing, consumption, and business loans that have been difficult to pay for the epidemic are adopted by adjusting the repayment plan, extending the loan period, and delayed repayment.

Help the trapped enterprises accelerate the restoration of operations, and strive to achieve the steady growth of credit balances that have affected the affected industries such as accommodation, catering, retail, cultural, tourism, transportation, etc. A strong enterprise increases credit loan allocation.

2

Bank of China Shenzhen Branch

During the entire process of housing loan business, it provides a green and fast approval channel for the new citizen and customer base, supporting the first home purchase loan priority lending of new citizens and residents' families; for consumer demand for new citizen customer group house decoration, it provides support for decoration loan products.

3

Everbright Bank Shenzhen Branch

Participate in the construction of affordable housing such as public rental housing, affordable rental housing, and common property housing and the reconstruction project of old urban old communities to support the continuous operation of affordable housing health.

Follow up and apply new citizen standards for local governments in a timely manner to actively meet the reasonable demand for house purchase credit for new citizens who meet the policy of buying housing in various places and have relatively stable income.

Intelligent identification of the credit level and house trading behavior of buyers, and use information technology to achieve remote automation, self -service batch loan, lending and loan repayment process.

According to the above evaluation and the previous actual survey survey, commercial banks still have more room for improvement in terms of new citizens' medical policies, and they are still a big gap in medical and education.Regarding the demand for entrepreneurial loan financing, the policies of new citizens of major banks have improved policies.For the popularization and promotion of new citizens, major banks still need to strengthen.Writing: Ao Yi Journalist Wu Zhen

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