Innovative products, customized services, and risk prevention... Financial institutions around the world have introduced measures——
Convenience for new citizens to integrate into urban life
Our reporter Qu Xinming Ge Mengchao
"People's Daily" (Version 13, January 4, 2023)
core reading
In recent years, financial institutions around the world have introduced innovative measures to facilitate the integration of new citizens into urban life: through customized financial services, innovative financial products, etc., the efficiency of financial services has been continuously improved to provide strong support for new citizens' entrepreneurship and employment; strengthen supervision, Establish a special account for payment to ensure that new citizens receive their wages; launch exclusive insurance products to enhance risk resistance.
In the future, financial institutions should strengthen publicity, enrich supply, and provide better services for new citizens.
The report of the 20th National Congress of the Communist Party of China proposed to promote a new type of urbanization centered on people and accelerate the urbanization of agricultural transfer population.
At present, about 300 million rural people in my country have transferred to cities and towns through employment and schooling, becoming new citizens.
It is indispensable to allow them to better integrate into the city, live and work, and provide more convenient financial services.
What innovative measures are currently being taken by financial institutions to serve new citizens?
What convenience did new citizens get?
The reporter conducted an interview.
Tailor-made financial services and improved efficiency provide strong support for new citizens to start businesses and find employment
Guangxi Yulin Yinfeng International Traditional Chinese Medicine Port is an important distribution center for traditional Chinese medicinal materials in China. Currently, there are more than 2,000 merchants and more than 10,000 employees.
It is understood that more than 60% of the merchants in the market are new citizens from Guangdong, Anhui, Hunan and other places.
Mr. Yu is one of the entrepreneurs. His shop mainly deals in ginseng and star anise.
"Business is booming, and there is an increasing demand for working capital for daily operating turnover, easing the pressure on account periods, and responding to changes in raw material prices," he said.
Tailor-made financial services to add strength to Mr. Yu's business.
The staff of Yulin Branch of the Bank of Communications recommended the exclusive loan product "Quick Loan for Drug Merchants" to Mr. Yu during the visit to the entrepreneurs of TCM Hong Kong.
Through online identity verification, asset appraisal, etc., Mr. Yu passed the preliminary examination in half a cup of tea.
Three working days later, he successfully obtained a loan amount of 500,000 yuan.
In addition, this loan product uses Guangxi's "Guihui Loan" interest discount policy, which is expected to reduce Mr. Yu's financing cost by 10,000 yuan.
Mr. Yu's experience is not an exception.
The relevant person in charge of the Bank of Communications said that in recent years, the bank has increased its support for new citizens' entrepreneurship in credit investment, innovated products and services based on the characteristics of new citizens, and strengthened the expansion of "first loan households" and credit loans for small and micro enterprises.
Customized product innovation brings real money to entrepreneurs in the park.
And increasing the inclination of financial resources to new citizen-concentrated industries and enterprises can play a positive role in expanding employment.
"Standardized factory buildings have been put into use, the order volume has soared, and the company's labor demand has greatly increased. We have recruited dozens of migrant workers and are rolling up our sleeves to work harder." Zhao Dehe, the person in charge of Shandong Yishun Wood Industry Co., Ltd. said.
Wood industry is a traditional advantageous industry in Lanshan District, Linyi City, Shandong Province.
In recent years, the local area has vigorously promoted the transformation and upgrading of the wood industry.
Yishun Wood once faced a funding gap of more than 10 million yuan after building a new factory building.
Lanshan Rural Commercial Bank connected with Linyi Real Estate Registration Center, and innovatively launched the "Industrial Revitalization Loan", a land use right mortgage loan product, to provide financing support for enterprises in the park.
It is reported that Lanshan Rural Commercial Bank has promoted the employment of more than 10,000 new citizens by increasing its services to small and micro enterprises that attract new citizens.
By strengthening information exchange, the efficiency of financial services for new citizens has been continuously improved.
The Anhui Banking and Insurance Regulatory Bureau promotes banking and insurance institutions to access the provincial industrial and commercial enterprise database, and uses information technology to obtain timely credit "blank account" information and precise services.
The Chongqing Banking and Insurance Regulatory Bureau and the Chongqing Municipal Development and Reform Commission, relying on the bank-securities big data interconnection platform "Jinyu Net", developed and built a digital inclusive financial platform - Xinyidai · Yuhuirong. The platform has collected 3 million accounts Enterprise credit information, released 80 special and regional loan products, and provided strong support for new citizens to start a business and find employment.
Provide more comprehensive protection for new citizens and enhance their ability to resist risks
According to industry insiders, in addition to more convenient financing services, financial institutions play an active role in ensuring new citizens' wages and better preventing accidental risks, providing more comprehensive protection for new citizens.
"With the 'Harvest Card', the salary arrives on time, and I feel at ease!" Zhang Chenglong, who worked in construction work in Shaoxing City, Zhejiang Province from his hometown in Hunan, said that with the help of Shaoxing Hengxin Rural Commercial Bank, he received the first card in his life. Salary card.
The construction industry is a relatively concentrated industry for new citizens.
In order to better guarantee the payment of construction workers' wages, Hengxin Rural Commercial Bank launched the Zhejiang Rural Credit Wage Payment Supervision Platform. Through information sharing with the urban construction department, it can grasp the start of construction projects within its jurisdiction as soon as possible, open a special account for wage payment of migrant workers, and realize Sub-account management and batch distribution to ensure that wages of migrant workers are paid in full and on time.
The bank organized and carried out financial services to enter the construction site (factory), and came to the door to issue cards for new citizens in batches.
Opening an account and applying for a card may seem trivial, but it can also bring convenience to new citizens by optimizing the process.
ICBC has launched a simple account opening service for personal settlement accounts, which solves the problem that new citizens cannot provide auxiliary certification materials for the time being through the information notification and commitment system.
Postal Savings Bank of China launched the "U+ Card" for new citizens to reduce or exempt inter-bank transfer fees, small account management fees, and SMS service fees.
It is convenient to open an account and apply for a card, and it is also necessary to enhance the ability of new citizens to resist risks.
Ping An Life Insurance provides services such as online consultation, registration appointment assistance and other services for flexible employees such as courier brothers and migrant workers, saving time on running errands.
If a new citizen has a Ping An life insurance policy, Ping An Life can also recommend and make an appointment with experts to provide outpatient medical services based on the customer's clinical symptoms, time and location of visits, helping new citizens enjoy high-quality medical resources more fully and conveniently.
According to the person in charge of CPIC Property Insurance Shanghai Branch, the company actively promotes construction safety liability insurance to provide construction safety guarantees for workers in the construction industry; it underwrites employer liability insurance and accident insurance for delivery workers and couriers to protect the personal safety of couriers; and Introduced related products, and superimposed liability guarantees such as lessee liability, rental loss, and temporary rental allowances on traditional home property insurance products.
Improving the financial literacy of new citizens will help new citizens avoid the risk of fraud.
Taikang Life Insurance Chongqing Branch carried out a number of publicity activities in the form of "online + offline" linkage, and launched construction worker classes, taxi mobile lectures and other popular science publicity activities to improve the ability of new citizens to identify and prevent financial fraud.
Create demand through supply and provide better service experience for new citizens
In recent years, localities have actively refined specific implementation measures, financial institutions have innovated and launched exclusive products, and financial services for new citizens have achieved certain results.
However, it must also be noted that related financial services are still in the stage of exploration and practice, and the availability, convenience and accuracy of services need to be further improved.
Xiao Yuanqi, vice chairman of the China Banking and Insurance Regulatory Commission, said that some new citizens do not know much about financial products, or are even relatively unfamiliar.
Financial institutions should do more publicity, increase supply, enrich varieties, and provide diversified choices.
Create demand through supply and provide better service experience for new citizens.
"The financial needs of new citizens are very different. The financial needs of urban entrepreneurs, newly employed white-collar workers, courier services, construction workers, housekeeping security and other groups are not the same, and the needs of the same group in different cities are also very different. Financial institutions need to Further subdivide customers and markets to improve service accuracy." Xiao Yuanqi said, for example, guaranteed loans for entrepreneurs, various insurance products for flexible employees such as express delivery and construction workers, etc., all need to have enough personality Customized design and arrangement.
Further improving the quality and efficiency of financial services for new citizens is inseparable from the strengthening of communication and cooperation between the financial sector and relevant departments.
Experts say that the lack of personal credit information of new citizen groups is an obstacle to their access to financial resources.
In this regard, efforts should be made to improve the data sharing mechanism, break down data barriers, and lay a better foundation for the expansion and quality improvement of financial services.
The relevant person in charge of the Qingdao Banking and Insurance Regulatory Bureau said that we should insist on multi-party credit enhancement to solve the problem of information asymmetry.
Give full play to the role of various credit information platforms, and under the premise of effectively protecting information security and the rights and interests of new citizens, strengthen the sharing and integration of credit information, deepen the application of big data, comprehensively use data such as social security, taxation, and housing provident funds for new citizens, and innovate and optimize financing models .
At the same time, the guiding role of local governments shall be actively played, and the difficulties and blockages in the work of financial services for new citizens shall be jointly resolved to ensure the effective implementation of financial service policies for new citizens.
In addition, the main role of different types of financial institutions should continue to be stimulated.
"For example, for consumer finance companies, the new citizen group is an important service target. It should fully apply the concept and means of financial technology to accurately portray the new citizen, innovate the credit evaluation method for the new citizen, and target different types of consumption of the new citizen. We will launch products with flexible deadlines, moderate quotas, and moderate rates based on demand.” said Dong Ximiao, chief researcher at China Merchants Union Finance.
Experts pointed out that financial institutions should also do a good job in educating new citizens on financial consumers, guide new citizens to rationally invest and consume, help new citizens to do a good job in financial planning and wealth management, and enhance their awareness and ability to deal with emergencies such as income fluctuations. The service enables new citizens to more fully integrate into and enjoy the wonderful life of the city.