The heads of relevant departments of the Beijing Banking and Insurance Regulatory Bureau and many banks stated at the "New Citizen Financial Services Special Session of the Capital Banking Industry Support Entity Serving People's Livelihood Series Work Conference" held on September 26 that they will continue to enhance the acquisition, service and maintenance of new financial services. To improve the capabilities of citizen customers, we will continue to improve the digital construction level of new citizen financial services and promote the identification of new citizen customers.
Continue to improve the level of financial services for new citizens
It is reported that there are more than 8 million new citizens in Beijing, accounting for nearly 40% of the total permanent population. Wu Meng, deputy director of the State-owned Bank Supervision Division of the Beijing Banking and Insurance Regulatory Bureau, introduced that in terms of financial services for new citizens, the Beijing Banking and Insurance Regulatory Bureau has established a platform to promote the incremental expansion of financial services for new citizens. As of the end of August 2022, a total of 49,300 first-time loan approvals have been completed, with an amount of 202.911 billion yuan; 18,400 renewal loan approvals, with an amount of 66.94 billion yuan, have been completed, helping enterprises save financing costs by more than 2.5 billion yuan.
At the same time, Wu Meng said that the Beijing Banking and Insurance Regulatory Bureau has also segmented customer groups to accurately solve the "pain points" of new citizens' needs. Up to now, banking institutions within the jurisdiction have launched more than ten types of credit products exclusive to new citizens, more than ten types of exclusive financial services such as capital account settlement products, and 12 exclusive bank cards for new citizens, covering entrepreneurship, employment, housing, consumption, medical treatment, etc. Multiple areas.
Wu Meng revealed that in the next step, the Beijing Banking and Insurance Regulatory Bureau will guide banking institutions within its jurisdiction to use financial services for new citizens as an entry point to promote business transformation and development, and continuously enhance the ability to acquire, serve and maintain new citizen customers; continue to improve new citizen customers To improve the digital construction level of financial services, continue to expand and upgrade the functions of the Beijing Financial Comprehensive Service Network; promote the identification of new citizens’ customers and improve the statistical standards for the supervision of new citizens’ financial services; link up with government departments to continuously improve the infrastructure construction of new citizens’ financial services ; Strengthen the linkage with the Beijing Banking and Insurance Association, carry out online and offline financial knowledge promotion activities for new citizens, and display activities for new citizens’ exclusive financial products.
Banks are actively deploying new citizen service scenarios. A reporter from China Securities News learned that each bank is actively deploying financial services for new citizens based on its own advantages and characteristics.
For example, in terms of supporting the housing security of new citizens, China Construction Bank Beijing Branch, together with CCB Housing Beijing Company, actively explores methods such as collective land rental housing construction, homestead renovation, and commercial (industrial) rental conversion to increase the supply of affordable rental housing. As of August 2022, CCB Beijing Branch has provided credit support for the construction of more than 50,000 rental housing units, and has cooperated with CCB Housing Beijing Company to provide more than 60,000 rental housing units by acquiring and renovating idle housing units, helping more than 30,000 new citizens and Young people solve housing difficulties.
Ping An Bank Beijing Branch has created the "Ping An Home Loan Nationwide" model, aiming at the scenario of "separation of people and houses" for new citizens, enabling customers to achieve all-in-one loans, credit extension in other places and loan renewal without principal repayment. As of the end of August, a total of 1.2 billion yuan had been disbursed, effectively solving the mortgage loan problem for new citizens who own houses in city A but run businesses or work in city B.
In terms of supporting entrepreneurship, Bank of Beijing has launched an exclusive entrepreneurial loan "Chuangying Loan" for new citizen entrepreneurs, providing simplified conditions, flexible repayment, and preferential interest rates, especially for customers who own real estate in the cities where Bank of Beijing's branches are located. , which can support the mortgage of real estate in other places and facilitate new citizens to start businesses in Beijing. "Chuangying Loan" has been issued more than 400 times, with a credit balance of more than 2 billion yuan.
Targeting new citizen groups such as "workplace novices" and "college students", Minsheng Bank Beijing Branch has launched special cards such as "Minsheng Small and Micro Inclusive Credit Card" and "Minsheng Jingdong PLUS Co-branded Credit Card" to help small and micro business owners and cross-city employment "workplace Groups such as "newbies" and college graduates are integrating into the city more quickly. For individual industrial and commercial households and small and micro enterprises, Agricultural Bank of China Beijing Branch provides a series of inclusive loan products such as "House Loans", "Business Assistance Loans" and "Industrial Chain e-Loans". As of August this year, Agricultural Bank of China Beijing Branch has issued a total of 1,650 loans to 368 new residents, with a total amount of 227 million yuan.
