As soon as my country’s three-child childbirth policy was introduced, some banks aimed at the opportunity to launch a "childbirth consumer loan", which was called a "three-child loan" by netizens. Recently, it has caused a lot of social controversy. ".

　　From “color gift loan”, “cemetery loan” to “three-child loan”, loans with similar characteristic consumer credit products are not uncommon.

Although the refurbishment of the name of the loan is essentially a consumer loan, which meets the needs of specific users, some products are heavily marketed in gimmicks and consumer public anxiety, which not only reflects the difficulties faced by financial institutions in business development, but also reflects some of the current citizens The consumption concept of over-consumption and excessive debt.

The maximum loan for three children is 300,000

　　"The maximum (loan) for one child is 100,000 yuan, the maximum for the second child is 200,000 yuan, and the maximum for the third child is 300,000 yuan." Recently, a "birth consumption loan" product of Bank of China Jiangxi Branch has been screened.

　　According to the poster content, this "birth consumption loan" is suitable for married natural persons aged 20-50 with full civil capacity, 6 months of pregnancy to 2 years old of infants.

Regarding the purpose of this product, the promotional materials clearly stated that it is only used for "consumption expenditures required for childbirth, and shall not be used for house purchase, stock trading, financial management and operation."

In terms of interest rates, the one-year interest rate of the “childbirth consumption loan” is 4.85%, and the one- to three-year term is 5.4%.

　　As soon as the news came out, it quickly posted hot searches on Weibo, causing heated discussions among netizens.

"If you can have three children, do you still need a loan of 300,000 yuan?" "You need a loan to raise a child. Let's feed yourself first." "Can't accept a loan to raise a baby"... These popular comments have received a lot of praise.

　　Less than a day after the incident, the official WeChat account of Bank of China Jiangxi Branch issued a statement on the "fertility consumption loan".

According to reports, the information related to the "childbirth consumption loan" is internal evaluation information, and it is still in the review stage of the plan.

According to the current assessment, the existing consumer loan products can cover the corresponding demand, and there is no plan to launch such products for the time being.

There is a precedent for the birth consumption loan scene

　　People in the industry generally believe that the gimmick of this loan product is greater than the actual product attributes, and it is just a marketing method that attracts attention.

However, there are also comments that, unlike the previously controversial "City Gift Loan" and "Graveyard Loan", the "Three-Child Loan" product is a positive response to the national population policy and can meet the consumer needs of some potential customers.

　　In fact, as early as 2018, a financial institution issued a consumer financial product "second child loan" for "family with children" with a maximum amount of 200,000 yuan. This incident caused a lot of public opinion at the time.

　　Consumer finance expert Su Xiaorui said that childbirth-related consumer loan scenarios are not uncommon. Previously, many financial institutions deployed "monthly installment" and other similar businesses, and cut into birthing consumption through specific scenarios such as the month center. The advantages of such scenarios It is because the profit is high and belongs to the category of rigid demand, but the disadvantage is that the scene is not mature, and the consumption potential and consumption habits of the customer group still have room to tap.

　　Why have various banks launched consumer loans in recent years?

From the perspective of the bank's retail loan business, the supervision of personal housing loans and personal business loans has become stricter, and its growth space has gradually been compressed.

As more people have advanced consumption awareness, the acceptance of personal consumption loans continues to increase. For banks, it has a higher loan interest rate, which means that banks can have more income. Therefore, personal consumption loans have become a must for financial institutions. Ground.

　　"Banks have gathered together to launch a variety of consumer loan products, with the purpose of expanding business scenarios." Su Xiaorui said that the current consumer loan scenarios of banks are highly competitive and most of them are in a state of homogeneity. It is necessary to expand the scenarios to form a differentiated competition route. Propaganda also strives to be "creative."

Strictly control the flow of specialty consumer loans

　　It is worth noting that Zou Lan, director of the Financial Market Department of the Central Bank, said at the press conference of the State Council Information Office that individual banks challenged social pain points under the banner of so-called financial innovation, led residents to over-debt, and touched the bottom line of social public order and good customs. The role of financial services to the real economy.

Regulatory authorities support banks to innovate targeted products and services based on the actual needs of the real economy under the premise of controllable risks and prudential compliance, and promptly correct practices that are contrary to public order and good customs and run counter to the country's major policies.

　　Many experts in the consumer finance industry believe that there is no need to "kill with one stick" of specialty consumer credit products. The main problem with individual products lies in their marketing methods, and care must be taken not to over-package them.

　　Dong Ximiao, chief researcher of China Merchants Union Finance, introduced that special consumer credit products for specific groups of people with good credit and specific scenarios, with a general credit line of less than 300,000 yuan, and relatively low credit risk. They are basically credit loans, which are well satisfied. To meet the needs of specific users, it also broadens the service boundaries of financial institutions.

　　However, he reminded that certain people should be people with legitimate occupations and good credit, and certain scenes should be real and benign scenes.

In addition, financial institutions should pay attention to compliance and appropriateness in marketing and publicity, and disclose key information such as interest rates to be comprehensive and accurate, and not to exaggerate.

　　"Of course, we can criticize financial institutions. For example, financial institutions should be punished for violations of laws and regulations, but they should not be criticized for characteristic consumer credit products." Dong Ximiao called on the public to look at characteristic consumer credit in a comprehensive and rational manner. product.

What is really worthy of attention is that since loans of less than 300,000 yuan can be paid without entrustment, it is easier to illegally flow to the property market and the stock market. Therefore, financial institutions should pay attention to strengthening the monitoring of the use and flow of credit funds to ensure that loans are not misappropriated.

　　Beijing Daily client reporter Pan Fuda