"Thanks to the Postal Savings Bank's 'Village and Mail Order Car Season' campaign, which helped me realize my dream of buying a car. Now I am also a car owner, and I will no longer have to crowd the bus when I go back to town to see my parents." Living in Hebei The joy of Ms. Wu, a resident of the county town, was beyond words.
Ms. Wu's "Village and Mail Order Season" campaign is a nationwide campaign by Postal Savings Bank to serve the rural revitalization. It was launched in April and will last until December.
The event went deep into urban and rural areas, benefiting the vast number of counties and rural areas, and delivered car purchase services to residents, making it easier for residents to view and choose a car, and to enjoy the auto consumption financial services of the Postal Savings Bank.
Strengthening services for rural revitalization
It is convenient for residents to see cars and buy cars
The "Village and Mail-Order Car Season" campaign aims to thoroughly implement the rural revitalization strategy. Focusing on the car travel needs of residents in counties and townships, new citizens, and other groups, it will continue to increase auto consumption credit services and fully support residents to improve their travel.
In this event, the Postal Savings Bank, together with more than 10 auto manufacturers, selected a batch of models that meet the consumption needs of the sinking market, launched a number of preferential policies for auto consumer credit, created a variety of discount and low-interest loan products, and carried out various forms of loan products. activities to bring auto consumer financial services to residents.
The event not only facilitated county and township residents and new citizens to view and purchase cars, but was also recognized by car dealers: "The 'Village Plus Mail Order Car Season' event has brought us a lot of online customers, and many people expressed that through the postal savings The bank's activities have learned about the interest-free and low-interest activities of car loan purchases, and they have come to the store to test the car to see the car. We have also jointly launched a number of activities with the Postal Savings Bank, and participated in more than 1,000 customers, which has effectively promoted car sales. "Shandong Rizhao City a car dealer said.
The activities in 2022 will strive to achieve 15 billion yuan in auto consumption loans in county areas, and cooperate with auto dealers to carry out more than 1,000 activities to build a more convenient car purchase service platform, and take solid measures to facilitate residents to look at and buy cars.
In the "Village and Mail Order Car Season" event in 2021, the Postal Savings Bank has increased the provision of auto consumption loans in county areas, continuously improved the quality and efficiency of services, and has achieved an investment scale of over 12 billion yuan. over 1600 events.
Auto consumer finance goes deep into counties and townships
Provide better service
In recent years, the auto consumer loan business of PSBC has developed rapidly, customer experience has been continuously optimized, channel cooperation has continued to deepen, risk control capabilities have been significantly enhanced, operational efficiency has been significantly improved, and the service team has accelerated growth. municipalities).
On the basis of giving full play to its advantages in network, capital and professional services, the Postal Savings Bank continued to increase its efforts to provide financial services for auto consumption in the county and below areas to serve the rural revitalization in a practical manner.
Applying technologies such as biometric identification, intelligent risk control, and big data, Postal Savings Bank continued to deepen the digital transformation of auto consumer finance, continued to optimize the service model of online and offline integration, and expanded the scope and depth of auto consumer finance services.
Residents of counties and townships can apply for personal auto consumption loans through various online and offline channels such as Postal Savings Bank Mobile Banking APP, WeChat Banking and offline outlets. , the results can be obtained in an average of 5 minutes, and the loan can be released in the fastest 1 hour. The efficiency of loan processing has been greatly improved, and the loan experience of county and township residents has been significantly optimized.
In addition, the Postal Savings Bank has established cooperative relationships with more than 30 auto mainframe manufacturers, providing more choices of models and credit products, continuously enhancing the availability of auto consumption loan services for county and township residents and new citizens, and strengthening cooperation with new energy sources. The cooperation of auto manufacturers allows more county and township residents, new citizens and other groups to obtain more preferential interest discount policy support on the basis of enjoying the low down payment of new energy vehicles.
Since 2019, the Postal Savings Bank has accelerated the development of auto consumer loan business.
As of the end of 2021, the balance of personal passenger car consumption loans of PSBC has exceeded 50 billion yuan, with a compound growth rate of more than 90% in the past three years.
In 2021, the newly issued auto consumer loans of Postal Savings Bank exceeded 40 billion yuan, with a compound growth rate of more than 140% in the past three years.
In the next step, PSBC will continue to adhere to the concept of inclusive finance, give full play to its own endowment advantages, actively develop auto consumer finance business, deeply cultivate the county market, serve the revitalization of rural areas, and help urban and rural residents achieve a better life.