"Sanxin" empower "new citizens"

"Sanxin" empower "new citizens"

Liu Xinxin Wu Chenggang Ni Xiaodong

"In less than 1 hour, the loan processing procedures were completed. This funds came too timely." Wang Ruixu, who started a business from Weifang City, Shandong, was engaged in the processing industry of the building materials. As a result, it is difficult to turn on gold. After understanding the situation, the Shandong Zaozhuang Rural Commercial Bank will timely issue a "new citizen entrepreneurial loan" of 100,000 yuan to solve his urgent urgency. This is a shot that Zaozhuang Rural Commercial Bank implements the "three new" to empower "new citizens".

As of now, the bank's loan balance was 24.42 billion yuan, an increase of 2.208 billion yuan from the beginning of the year, an increase of 475 million yuan year -on -year, of which the balance of physical loan was 17.277 billion yuan, an increase of 1.598 billion yuan from the beginning of the year, an increase of 370 million yuan year -on -year increased by 370 million yuan. It has contributed the power of Rural Commercial Bank for promoting the entrepreneurial and employment of new citizens.

"Innovation+Platform", broaden the "new path" of service

The bank focuses on the construction of branding and organizes the formulation of the "Zaozhuang Rural Commercial Bank's" New Citizen Series Loan "financial service plan" to innovate and launch "new citizen entrepreneurial loans", "new citizen credit loans", "new citizen residence loan" and "new citizens education Loan "series loans, enrich financial products, and effectively solve and meet capital needs of new citizens' entrepreneurial employment, housing decoration, education and training and training; according to different types of customer groups of new citizens, actively adopt online and offline" dual -track operation "methods to further further use Strengthen financial support for the construction of new citizen platforms, deepen financial services, focus on improving the efficiency of loan acceptance, expand market space, and comprehensively enhance the sense of gain, happiness and belonging of new citizens.

In October last year, Sister Wei and her husband came to Zaozhuang City from Linyi City, Shandong to operate in the vegetable industry. With the couple, the couple are not afraid of suffering, not afraid of tiredness, and the business has always been good. Earlier this year, due to the expansion of the operating varieties and the need to renovate the business market, the couple of the Wei Wei had difficulty in renovation. After learning about the situation, Zaozhuang Rural Commercial Bank organized personnel to dock immediately, and opened a green channel for financial services in accordance with the principle of "urgent affairs and special offices." 10,000 yuan. In Sister Wei's words, the Rural Commercial Bank made them root in the city.

"Precise+speed up", painted the "new background" of inclusive

Highlighting the "new citizen" to provide precise and inclusive services, actively connect the government functional departments to do a good job of the list of new citizens, and establish a list of new citizens customers, and provide comprehensive efforts to the personalized needs, pain points and difficulties around the new citizens' personalized needs, pain points, and difficulties. Sexual financial accurate docking services, continuously improve the accuracy and professionalism of financial services, shorten the distance with new citizens, and escort the production and operation of new citizens.

Lunan Farmers' Market integrates comprehensive and large -scale business wholesale retail, and the market radiates more than 20 provinces and cities including Jiangsu and Anhui. Zaozhuang Rural Commercial Bank is relatively concentrated in the market for the new citizens of the market and business, and timely organizes the establishment of a special financial service class to settle in the market to set up a special financial service class to carry out the "financial acceleration action". During the period of related financial businesses such as mobile banking, during the period, 3.8 million yuan in credit for 21 new citizens customers, 11 aggregates payment. Really allow new citizen customers to harvest "movement" and enjoy high -quality, fast and professional financial services.

"Mechanism+System", build a "new kinetic energy"

The bank organized and issued the "Action Plan for the New Citizens of the New Citizens of Zaozhuang Rural Commercial Bank" to refine the requirements for the "new citizen" financial service work, and to clearly do "new citizens" in entrepreneurial employment, house purchase, education and training, health and pension and other aspects Good financial services, and continue to deepen the construction of the "four -type" service system, that is, organize a "sink" survey, clarify the head office, first -level branch and second -level branch, effectively give full play to their popularity and geographical advantages, do a good job of new citizens' financial finance on the spot Demand survey, cracked the bottleneck of "new citizens" financing; conduct in -depth "positioning" grids, use business outlets as the "radius, divide according to the region, refine the" new citizen "customers in the jurisdiction to expand the marketing scenarios to effectively meet the residence New citizens have different financial needs; focus on promoting the follow -up of "hand -in -hand", actively docking new citizen customers, and set up a bridge of interoperability through multiple forms such as the "new citizen" WeChat circle of friends. Drip irrigation; highlight the "regulatory" supervision, the head office organizes the establishment of the "new citizen financial service work guidance assessment team", which is specifically responsible for the guidance and assessment of financial services for new citizens to ensure that the implementation of the policy of new citizens' policy is effective.

"As a local Rural Commercial Bank, comprehensively implement a series of new civic policies for financial services, give full play to the flexibility and industry advantages of the mechanism, and improve the scientific and targetedness of the financial services of new citizens through the policy increase effects and empowerment. New citizens have obtained a better and efficient and convenient financial experience. "Said Liang Yanbo, Secretary of the Party Committee of Zaozhuang Rural Commercial Bank.

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