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

Recently, Shenzhen's regulatory authorities jointly issued documents to encourage financial institutions to provide financial services guarantee for the needs of tens of millions of new citizens' entrepreneurial employment, housing, medical care, education and other needs.

What are new citizens:

At first, it refers to migrant workers who have lived in cities for a long time and have relatively fixed work. Later, the scope of this term has gradually expanded, becoming a collective name for the various groups that were not located in the local area and came to a city for various reasons. China's "new citizen" population has no precise figures, and the data often quoted is about 200 million people. Generally refers to citizens who have no hukou or hukou for less than three years.

According to data from the Shenzhen Bureau of Statistics, as of the end of 2020, Shenzhen's permanent population was 17.338 million, of which nearly 12.5 million were not in the non -household registration population, accounting for more than 70%.

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.

(Picture source: Industrial and Commercial Bank of China)

The rules are proposed that supporting new citizens in the place of residential land, helping to cultivate a group of sustainable, operating standards, and good market reputation for pension service institutions to help the establishment of a pre -paid fund supervision platform for pension institutions; improve the new citizens' pension guarantee finance Services, support insurance agencies to explore and develop comprehensive pension security plans covering multiple insurance products and services, and encourage innovation and development of home care liability insurance. Improve the old financial services, continuously upgrade the smart pension year card, and combine the habits of the elderly to strengthen the aging and upgrade of the outlets.

The reporter visited different banks

Comparison of major banks' new citizen policies for major banks

Pension

1

Agricultural Bank of China Shenzhen Branch:

Use business outlets to carry out the "warm -hearted warm domain" warm -hearted service, and in the business hall, there are umbrellas, love seats, mobile phone charging, drinking water, and wheelchairs, listening disabled love cards, magnifying glass, and old flowers mirrors to improve service temperature.

2

Huaxia Bank Shenzhen Branch:

The outlets are equipped with loving seats, old flowers, magnifying glass, wheelchairs, and blood pressure meters. Reserve and improve traditional financial services. Solve the digital gap, launch the official website of the "Care Edition" mobile banking and the elderly version, and upgrade the optimized service process and functions. Innovate the publicity model of the old age, use the outlet hall to establish a "grid" financial service work pattern, carry out the "sending financial services into the community" activity in important festivals and nodes, and organize propaganda activities for aging financial knowledge.

3

CITIC Bank Shenzhen Branch:

Increase the coverage of pension funds, endowment insurance, pension wealth management and other products. In terms of pension funds, since 2021, a variety of public -funded pension funds have been sold. In terms of endowment insurance, it is united with CITIC Baocheng Life to provide customers with pension financial services. Carry out investment and education work, through community activities, and online and offline salons, to carry out the publicity and popularization of pension financial knowledge for customers, combined with financial instruments such as lifelong life insurance and annuity insurance to conduct pension planning for new citizens, customized pension guarantee services Program.

Pension

4

Industrial and Commercial Bank of China Shenzhen Branch:

Actively sell series of pension wealth management products such as "Yixiang Antai", go deep into factory areas, construction sites, and urban villages, publicize and popularize financial knowledge to new citizens, and prepare publicity readings such as financial fraud, personal information protection, national debt, and Shenzhen local bonds.

In terms of new citizens' pension financial services, ICBC Shenzhen Branch provides exclusive elderly services for new citizens and elders 60 and above. application.

5

Bank of Communications Shenzhen Branch:

As the selected pilot bank wealth management company, the financial management of the Bank of China has accelerated the implementation of pilot pilot products. It is expected to launch products in late July.

6

China Merchants Bank Shenzhen Branch:

Shenzhen Branch arranges free health risk screening service projects. With the help of artificial intelligence black technology "eagle pupils" testing equipment, eye testing is performed for elderly customers.

In the daily service of the outlets, open up green priority service channels for the elderly, set up special windows and seats for the elderly, and provide convenience facilities such as old flowers, magnifying glass, and emergency medical boxes.

In the detailed rules launched by the Banking Insurance Supervision, new citizen social security payment and distribution, housing provident fund deposit and use, migrant workers' salary issuance, medical insurance deposit and settlement and other aspects.

For the employment direction of fresh graduates

The major banks also given different new citizens employment policies

Aspect

1

Agricultural Bank of China Shenzhen Branch:

The bank is equipped with instant card issuing equipment in all outlets in the city, and provides enterprises with on -site batch cards and special groups to handle card services to provide one -stop social security services for new citizen customers such as new insurance individuals.

Support and ensure the deposit and use needs of new citizens. In order to provide a convenient and fast provident fund deposit and withdrawal of one -stop services to the majority of enterprises and citizens, the Agricultural Bank Shenzhen Branch has set up 17 new provident fund convenience services outlets in the city's administrative region.

Created the "Worker Treasure" platform. Introduce a debit card for migrant workers' "Building Blessing Card" to reduce bank card annual fees, labor costs, SMS service fees, and ATM cross -bank cash withdrawal fees.

2

Huaxia Bank Shenzhen Branch:

Establish a "green seedlings plan" system, and through centralized training, rotation experience, "teachers and apprentices", assessment and incentives, etc., providing graduates with comprehensive job training and professional ability training for graduates, and incorporate them into branches. The talent team is prepared for echelon training system. As of now, the branch has recruited a total of 6 fresh graduates of the "Green Miao Plan", accounting for more than 30%of the number of official employees.

3

CITIC Bank Shenzhen Branch:

A platform for migrant workers' wages and capital supervision accounts has been established to achieve system rigid control of the account, and key information such as payment conditions, funds, and trading opponents are strictly verified.

Docking the Shenzhen Municipal Housing and Urban Construction Bureau "Shenzhen Construction Industry Real -name System and Branching Management Platform", record records and flow inquiries in synchronous salary to ensure that the salary of migrant workers is paid on time.

In cooperation with government units such as the Science and Technology and Innovation Bureau and the Sub -district Office, last year, the 17th sub -district office, 19 communities, and 18 parks in the 7 administrative districts in the city carried out the "government and silver park" characteristic party building activities to promote "stability Enterprise employment "financing and financing docking work, with a total of 3.7 billion yuan in various loans.

Aspect

4

Industrial and Commercial Bank of China Shenzhen Branch:

In terms of social security services, the ICBC Shenzhen Branch and Shenzhen Municipal Human Resources and Social Security Bureau jointly work to create a new type of "Social Bank Integrated" service outlets. New citizens and customers can apply for 43 social security high -frequency high -frequency social security high -frequency through thousands of smart terminals through their jurisdiction. business.

At present, the financial social security card has been opened to "mail to the home" service.

5

Bank of Communications Shenzhen Branch:

Relevant departments such as the Human Resources and Social Security Bureau and the Medical Insurance Bureau introduced functions such as "electronic social security cards" and "medical insurance electronic vouchers" in mobile banking channels, and carried out activities such as activation and politeness.

The original 12 working days of the financial social security card system is shortened to less than 20 minutes, and the device can carry the out -of -go card. Use the "Cloud Bank" online channel to optimize the card handling process, facilitate new citizen online application cards to improve service quality.

Wide publicity to popularize social security, medical insurance -related knowledge and online functions to help new citizen groups better experience services.

6

China Merchants Bank Shenzhen Branch:

No mention

The "Detailed Rules" states that insurance institutions are encouraged to strengthen cooperation with medical insurance departments, and continue to promote Shenzhen's major illness supplementary medical insurance, exclusive group medical insurance and exclusive critical illness insurance, and encourage insurance institutions The situation provides more flexible health insurance products. Help Shenzhen further liberalized the restrictions on the basic medical insurance insurance participation in the household registration, and do a good job of supporting the insurance for non -deep households to participate in insurance.

(Picture source: Industrial and Commercial Bank of China)

The following is a major comparison of several banks:

Medical aspect:

1

Agricultural Bank of China Shenzhen Branch:

None for the time being

2

Huaxia Bank Shenzhen Branch:

None for the time being

3

CITIC Bank Shenzhen Branch:

None for the time being

Medical aspect:

4

Industrial and Commercial Bank of China Shenzhen Branch:

None for the time being

5

Bank of Communications Shenzhen Branch:

The medical insurance currently on sale includes medical insurance such as "Anjia Insurance Million Inpatient Medical Insurance" and "Traffic Bank Life Cancer Medical Insurance (: 2021)" and other medical insurance. Difficulty "," medical treatment "and other issues.

6

China Merchants Bank Shenzhen Branch:

None for the time being

The "Detailed Rules" proposes that in response to the actual situation of Shenzhen's innovation and entrepreneurship atmosphere and densely dense private small and micro enterprises, strengthen the support of new citizens' entrepreneurship, increase financial support for small and micro enterprises with more employment of individual industrial and commercial households, and absorb more employment of new citizens; The bank optimizes new citizen entrepreneurial credit products, reducing loan interest rates, reducing service charges, flexible settlement periods for small and micro enterprises to comply with qualified small and micro enterprises, reducing the cost of entrepreneurial financing of new citizens, and optimizing the process of entrepreneurial guarantee loan processing process, promoting electronic approval and approval , Further reduce the anti -guarantee requirements for new citizens' entrepreneurial guarantee loans.

on the basis of

New citizen entrepreneurial policies launched by major commercial banks are as follows:

Aspect of entrepreneurship

1

Agricultural Bank of China Shenzhen Branch:

For the industrial parks gathered by new citizens, provide comprehensive service solutions for the park, improve the service capabilities of the park in terms of payment settlement, financing and integration, system development, etc., and meet the comprehensive financial needs of the park management, the enterprise in the park, and the employees of the enterprise. For example, the construction of "separation guarantee letters" and "engineering project insurance" for construction enterprises will be launched to improve the accessability and convenience of construction enterprise guarantee business, and to meet business needs such as migrant workers' wages.

Provide special credit support for small and micro enterprises. The credit limit for small and micro enterprises is unlimited and unlimited, and it will be borrowed to ensure the financing needs of small and micro enterprises.

Support new citizens to start a business. Introducing the "small and micro enterprise simple account opening" measures to support electronic business licenses to open an account opening in the entire under its jurisdiction to solve the difficulty of opening an account for small and micro enterprises. Customers customers who have registered for industry and commerce within 2 years have launched the "first household E loan" product to meet the needs of short -term flow funds in the process of starting into the operation of the first small and micro enterprises, and to solve the problem of "first loan difficulties" of small and micro enterprises.

2

Huaxia Bank Shenzhen Branch:

Open up the last mile of financial services, take the opportunity of "hundreds of lines into thousands of enterprises" as an opportunity, go deep into the community, listen to the financing needs of new citizens for production and operation activities, and send financial services to the door;

Close to demand for innovative credit products, through pure credit, online Longshang Loan (Shenzhen version), silver tax, credit value -added loan, high -tech credit loan and other fist products to solve the problems of new citizens' financing; open green finance The service channel, organize the backbone team with rich business experience to connect the new citizen group, follow up one -to -one tracking services such as business consulting, credit acceptance, loan approval, lending transfer, etc., and accurately drip new citizens to start a business with inclusive financial live water.

3

CITIC Bank Shenzhen Branch:

Fully promote the "no -renewal loan" business, and support the "seamless connection" of the affordal affected by the affected small and micro enterprises to achieve loan expiration and renewal turnover.

Provide preferential loan policies for small and micro enterprises created by new citizens and self -entrepreneurial businesses, reduce financing costs, and strengthen support for new citizens' entrepreneurship.

In response to Shenzhen tobacco operating merchants, the financing services of tobacco business loans have been provided, with a maximum quota of 500,000 and a period of up to 3 years.

The introduction of pure online loan products -science and technology E -loan, providing high -efficiency and non -contact financial services for new citizens' employment "specialized new" enterprises. Since the beginning of this year, CITIC Bank has used science and technology E loan as a national and provincial -level "specialized new" enterprises with a total of 61 households, with a total amount of 350 million yuan.

Aspect of entrepreneurship

4

Industrial and Commercial Bank of China Shenzhen Branch:

The first is to increase credit support, and continue to use small and micro enterprises such as small and micro enterprises such as business circulation, residential catering, and manufacturing to absorb more small and micro enterprises that have more new citizens. Financing capabilities provide a variety of inclusive financial products.

The second is to optimize the construction of channels, set up a "first loan service window" in Yantian District, Futian District, Longhua District, and Baoan District, carry out series of in -depth community financing docking activities, and jointly do the relevant government agencies, industrial parks, financing guarantee institutions and other precision docking small micro -micro -micro -micro -micro -micro -micro -micro -micro -micro -micro -micro -micro -micro -micro connection small micro Enterprise financing services need to provide "one -stop" comprehensive financial services such as industrial and commercial registration, reservation account opening, payment settlement, financial investment, online financing, financial management and other "one -stop" comprehensive financial services to small and micro enterprises.

The third is to reduce the burden on enterprises, comprehensively use the preferential interest rate of inclusive loans, and reduce the cost of new citizens' entrepreneurship and comprehensive financing for small and micro enterprises; link with relevant departments to explore loan discounts, replenishment funds, anti -epidemic insurance subsidies, anti -epidemic insurance subsidies , Financing guarantee subsidies provide "exemption to enjoy" services.

5

Bank of Communications Shenzhen Branch:

There are no support for the support of small and micro enterprises that have not established a risk compensation fund and the support of small and micro enterprises that attract new citizens to provide financing.

6

China Merchants Bank Shenzhen Branch:

The introduction of inclusive financial products includes "business loans" and "small and micro lightning loans", which meets the financing needs of new citizens engaged in small and micro enterprises or individual households and meets conditions.

In terms of rules, in terms of the education of new citizens, the cooperation of government -enterprise and enterprises in silver schools is strengthened, and the new financial services of primary and secondary schools and kindergartens will be strengthened. need. Encourage insurance institutions to undergo insurance liability insurance for infant care service, and develop inclusive preschool education liability insurance and accident insurance. Support new citizens' vocational skills training, and cooperate with the management of pre -collection funds for off -campus training institutions.

Based on the above aspect

Different banks in education policies are as follows: below:

in education aspect

1

Agricultural Bank of China Shenzhen Branch:

None for the time being

2

Huaxia Bank Shenzhen Branch:

None for the time being

3

CITIC Bank Shenzhen Branch:

In 2021, the United Development Enterprise Trade Union organized 822 "Happy Trade Unions" activities, mainly serving new citizen groups such as college students and young employees. The service content includes investment and wealth management lectures, loan knowledge, and financial defense fraud.

In terms of vocational skills training of new citizens, in May, CITIC Securities held a live broadcast training event in 2022 specialized new "little giants" enterprise online. More than 150 science and technology enterprises participated in the event. The training is based on the theme of "policy interpretation+financial services", helping small and medium -sized enterprises with strong innovation capabilities and mastering key core technologies in depth to understand the relevant policies declared by the "specialized new" giant and the comprehensive financial services of CITIC Group.

in education aspect

4

Industrial and Commercial Bank of China Shenzhen Branch:

None for the time being

5

Bank of Communications Shenzhen Branch:

Provide financing services for new college students who have been deep in each year. Such citizens who have just arrived in new cities and new positions may have a short -term turnover of funds and will introduce new talent financial support for new talents.

6

China Merchants Bank Shenzhen Branch:

None for the time being

The "Detailed Rules" proposes to optimize basic financial services, protect the legitimate rights and interests of new citizens, and encourage bank insurance institutions to set up a specialized in the protection of consumer rights and interests of new citizens. Early warning system for migrant workers' wage payment monitoring platform and labor disputes. Improve the convenience of personal account services for new citizens, optimize the account opening process of personal accounts, and implement personal simple account opening services. Support commercial banks to reasonably reduce and exemption from personal debit cards, annual fees, small account management fees, and SMS service fees for new citizens.

In optimizing basic financial services

The following banking policies are as follows: below:

Optimize basic financial services

1

Agricultural Bank of China Shenzhen Branch:

For small and micro enterprises and individual industrial and commercial households, the account opening fee, unit settlement account management fee, the annual fee of the enterprise online banking, the transfer fee of RMB transfer, the transfer fee of the general deposit and exchange remittance, and the bank inquiry letter fee The financing costs of micro -enterprises and individual industrial and commercial households help entrepreneurship and employment. Secondly, for the individual of the new citizens, the Agricultural Bank of China Shenzhen Branch provides an account with a free small account management fee and annual fee, and exempts the handling fees such as handling silver transfer fees to further reduce the cost of financial services. 2

Huaxia Bank Shenzhen Branch:

None for the time being

3

CITIC Bank Shenzhen Branch:

Personal simple account opening processes are launched for new citizens, mobile employment groups, and elderly people, etc., so that customers who come to handle business enjoy the simplified service of the account opening process.

Counter service guidelines, elderly customer service guidelines, and customer service guidelines in special scenarios are formulated. The "one customer and one evaluation" system is implemented on the cabinet. Customers who have invited customers who handle the business of all cabinets to evaluate the counter service, and regularly return the service evaluation situation to ensure the quality of the customer service.

Optimize basic financial services

4

Industrial and Commercial Bank of China Shenzhen Branch:

In the near future, the graduates of the Shenzhen -New Employment University and the migrant workers will issue the "ICBC New Card Card" and "ICBC New Citizen Card". Specific equity.

Enterprises can handle the security bank guarantee business through the ICBC online channels, and receive the letter of guarantee, providing convenience for new citizens to gather enterprises.

5

Bank of Communications Shenzhen Branch:

According to the foreign service list, the Bank of Communications Shenzhen Branch has uniformly reduced the service fee of financial products such as designated account annual fees, small account management fees, and migrant workers and wages insurance letters.

6

China Merchants Bank Shenzhen Branch:

None for the time being

Regarding the housing financial needs of new citizens, the "Rules" proposes that in response to the target of 400,000 sets of affordable rental housing during the "14th Five -Year Plan" period of Shenzhen, it is encouraged to use the bank loan, insurance funds to invest directly, or subscribe to debts, or subscribe to debts, or subscribe to debt, or to subscribe to debts, or to subscribe to debts, or to subscribe to debts. Equity investment, insurance and private equity funds, etc., provide long -term financial support for affordable leased housing projects, encourage bank insurance institutions to participate in the infrastructure field of real estate investment trust funds (REITs); Supply, implementation of housing rental funds supervision requirements, and optimizing financial services for new citizens, improving the level of housing provident fund services, and actively promoting the effective connection between housing transactions and housing provident fund loans.

The following major housing demand is large comparison

What are the differences in the relevant new citizen policies of different banks?

Housing

1

Agricultural Bank of China Shenzhen Branch:

① In the fields of housing development loans, rental housing development loans, and shed loan, we will increase credit support to Talent Housing Group to give interest rate discounts. The Agricultural Bank of China has a new provident fund convenience service outlet in the city's administrative region.

② Customize the "Ann Family Gift Pack" for graduates of Xinlai University. Customized a gift package worth 1888 yuan. It has five exclusive privileges for the five exclusive privileges of "coming to depth, freedom of shopping, freedom of shopping, freedom of food, freedom of audiovisual, and freedom of renting" for the graduates of Shenzhen Employment University in 2022.

2

Huaxia Bank Shenzhen Branch:

Continue to provide "rental loans" services to new citizens. Personal housing lease loans refer to loans that refer to the rent of the "real estate with residential properties" issued to natural persons, which can meet the various residential needs of new citizens in all aspects.

As of the end of May 2022, the bank had invested nearly 500 personal housing leasing loans, with a cumulative amount of nearly 400 million yuan.

3

CITIC Bank Shenzhen Branch:

For new citizens who are temporarily unable to buy a house, the home credit loan that gives them to the rental property — credit second loan is used to meet the reasonable consumer needs of new citizens' rented real estate decoration, purchase furniture, and home appliances.

As of the end of May, in 2022, the new citizens had launched a personal credit loan of 47 million, with a balance of 104 million.

Link the Shenzhen Talent Anju Group to carry out entry activities for public rental housing projects such as Baiquan Pavilion and Dongwan Peninsula Garden.

Housing

4

Industrial and Commercial Bank of China Shenzhen Branch:

Optimize the standards of new citizens' income identification, provide new citizens who meet the requirements of housing purchase policies and have the ability to purchase housing and have relatively stable income, and provide house purchase financing services.

For new citizens with daily consumption and decoration needs, they can meet the demand for funds while reducing monthly supply pressure.

5

Bank of Communications Shenzhen Branch:

Preliminary plans to prioritize approval and time for loan business in the mortgage loan business.

For customers who meet the identity of new citizens to give certain interest rate discounts, meet the consumer needs of new citizens, and car purchase, relevant measures are carried out under the guidance of the head office.

6

China Merchants Bank Shenzhen Branch:

None for the time being

(Picture source: Agricultural Bank of China)

Popularity and promotion of outlets: Comparison:

Aspect

1

Agricultural Bank of China Shenzhen Branch:

Relevant policies have been issued under the relevant policies and communicated well. The Agricultural Bank produced a new citizen propaganda service manual based on the "Notice on Strengthening the Financial Services Work of New Citizens" (Banking Supervisor [2022] No. 4), and placed outlets for customers to check.

2

CITIC Bank Shenzhen Branch:

According to the "Notice on Strengthening the Financial Services of New Citizens" issued by the Banking Regulatory Supervisory Supervisor and Bank, CITIC Bank set up a specialized position for the protection of consumer rights and interests of new citizens, and the entire bank has popularized and promoted relevant policies. 3

Bank of Communications Shenzhen Branch:

The financial policy of the new citizen issued a branch in the form of red -headed documents.

Bank of Communications said the current outlets actively collect the needs of new citizens.

Other branches have not mentioned the promotion outlets yet

According to the above survey and evaluation, commercial banks still have a lot of room for improvement in the medical policy of new citizens, and they are still a big gap in medical and education.

Regarding the needs of entrepreneurial pensions, the policies of new citizens of major banks have improved policies.

In terms of popularization and promotion of new citizen policies, it still needs to be strengthened.

New citizen netizens' point of view

On the Weibo of a Jiangsu blogger released a new citizen's financial anti -fraud guide, many netizens said "what is new citizen."

A blogger saw the "Several Measures on Printing the Stable Economic Growth of Economic Stable" in Shenzhen, saying that Shenzhen is clearly sending money to new citizens.

In the relevant content of the Shenzhen People's Bank of China and Shenzhen Foreign Exchange Bureau issued and issued the "Notice on the Prevention and Control of Financial Support Epidemic and Economic and Social Development" issued by the Shenzhen People's Bank of China and Shenzhen Foreign Exchange Bureau, some netizens left a message of "awesome" expression.

There are financial knowledge bloggers sharing the content of relevant policies for new citizens. Under the relevant content released by Sina Finance, some netizens left a message saying "always love Shenzhen forever." Some netizens posted content stating that "new citizens and aborigines are coexistence of interests, not opposing gaming relationships."

Writing: Ao Yi Journalist Wu Zhen Li Yuan

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