A few days ago, the top 20 popular livable cities in 2022 were released. Among them, Foshan ranked 15th, becoming a popular city for young people to start businesses and settle down. As representatives of new citizens, young people are the "fresh blood" that integrates into urban development and an important force in the urban development process. Foshan Branch of China Construction Bank Co., Ltd. (hereinafter referred to as "Foshan Construction Bank") insists on people-centered , focusing on helping new citizens start businesses, find jobs, settle down and get rich, and promoting new citizens to accelerate their integration into their new homes and new lives. We will truly respond to people’s yearning for a better life with new financial actions, further enhance the sense of gain, happiness and security of new citizens, and support them in their dream of living and working in peace and contentment.
Realize living and living
Help new citizens integrate into the "second hometown"
"I am a Foshan person when I come." A seemingly simple slogan reflects the tolerance and openness of Foshan. How to help new citizens integrate into Foshan and regard Foshan as the "second hometown"? First of all, we need to help them find a place to stay and find a sense of belonging.
For a long time, housing problems have been a major concern for new citizens. In response to the actual needs of new citizens to obtain and improve housing, the Guangdong Branch of China Construction Bank and the Guangdong Provincial Department of Housing and Urban-Rural Development jointly created the Guangdong Province "digital housing (Guangdong Affordable Housing) integrated platform. With the help of this platform, new citizens can not only quickly obtain nearby housing information, but also realize VR house viewing, sign contracts, pay deposits and other transactions. Enterprises can apply for pre-sale licenses, realize house surveying, etc., and government departments can also monitor transaction data throughout the process to prevent violations, and truly realize "one map of housing, one network of monitoring, and one platform of service".
"No longer have to break the leg to find a house. Compared with urban villages and other second-hand housing platforms, the housing supply of CCB Jianrong Home Platform makes me feel more at ease. Moreover, the apartment here is cleaner, with basically complete furniture and appliances, so you can move in with your luggage. "Mr. Li, who had just moved into Jianfangyu Jihuayuan Long-term Rental Apartment some time ago, said this.
Solving the housing problem is the first step for new citizens to integrate into the city, but for new citizens who are new to come, it is still difficult to quickly integrate in a short period of time, so it is easy to feel overwhelmed in obtaining services. In order to break the information bottleneck of financial services for new citizens, Foshan CCB takes financial technology as the guide, focusing on improving digital business capabilities, optimizing customer-in-store service experience, and service channels are becoming more and more diversified. For example, CCB is in WeChat platform launched "mobile outlets", which not only can inquire about the number of people queuing at outlets, average waiting time and other information in real time, but also supports online number collection, effectively saving business processing time.
In addition, CCB also provides "one-stop" smart government services, relying on social security card service outlets to provide full-process services such as "establishment and deduction" social security card new issuance, activation, and replacement of social security cards. In response to the housing purchase needs of new citizens, we will increase the support for housing provident fund loans by simplifying approval procedures, opening green channels, and online services.
solves employment
stable jobs and guarantee basic income
Foshan is a major manufacturing center in the country, supporting manufacturing and stabilizing industrial chain is the main "reservoir" to absorb new citizens' employment. Foshan Construction Bank actively supports manufacturing industries with strong employment absorption capabilities, " specialized and specialized ' enterprises, private small and micro enterprises , etc., to effectively make the water of finance "live", and to inspire new citizens to give back to Foshan through hard work, becoming an important force to promote urban development.
Ensure enterprises is to protect employment, and protect employment is to Protect people's livelihood. In response to the long-term problems such as difficulty in financing small and micro enterprises and the high cost of financing , Foshan CCB accurately matches the needs of enterprises and tailors the service plan.
In the past, technology enterprises were difficult to reach the financing threshold due to the inherent "light assets". In order to solve this pain point, Foshan CCB innovatively established an exclusive evaluation system for "technology flow". By grasping the key technical indicators of high-tech enterprises, comprehensively assessing the scientific and technological capabilities and comprehensive strength of high-tech enterprises. As a reference standard for internal rating and credit, the "technology flow" and "capacity flow" of enterprises are transformed into the "capacity flow" of enterprises."As of now, the branch has invested more than 45 billion yuan in loans to technology companies through the technology flow evaluation system." A relevant person in charge of Foshan Construction Bank introduced.
For supply chain enterprises, Foshan CCB has also strengthened financing docking and used "supply chain + migrant workers' benefit " as a key service model for serving group customers upstream and downstream B-end and C-end chains. Among them, a construction company with rich upstream and downstream enterprises and workers is one of the core enterprises of Foshan Construction Bank's "supply chain" financial business. Construction Bank helps enterprises change the traditional payment methods, and realize full-process online payment with the help of supply chain finance, reducing corporate financial labor costs, and effectively improving payment efficiency.
On the other hand, as more and more migrant workers become new citizens, Foshan is focusing on ensuring the payment of migrant workers' wages. In response to the problem of wage arrears of migrant workers, China Construction Bank's "migrant workers' benefits" business has proposed a relatively comprehensive financial service plan. By using big data + Internet of Things, the bank cooperates with the government or other third-party employment management platforms, directly obtains first-hand data such as migrant workers' real-name information, attendance management, project progress, salary payment details, etc., to ensure the authenticity and accuracy of wage data. At the same time, using the "migrant workers" products, we will promptly resolve the concerns raised by Tengyue Construction that "we are afraid of wage arrears of migrant workers."
Build a fertile ground for entrepreneurship
Let new citizens take root and grow upward in recent years, the country has vigorously promoted the construction of Guangdong-Hong Kong-Macao Greater Bay Area . Foshan, as an important node city in the Guangdong-Hong Kong-Macao Greater Bay Area, has attracted a large number of resource elements such as flow of people, capital and information flow. In order to encourage new citizens to start businesses and find jobs in Foshan, Foshan Construction Bank has strengthened internal and external cooperation, opened up channels for factor circulation, and fully supported the improvement of urban innovation energy levels, creating a good entrepreneurial environment for new citizens.
Relying on financial technology, Foshan Construction Bank has strengthened cooperation with financial peers, overseas branches, government departments and other institutions in the field of innovation, such as innovative investment and merger syndicated banks, key projects support syndicated loans, etc., and has increased innovation support for the Guangdong-Hong Kong-Macao Greater Bay Area. At the same time, Foshan Construction Bank actively supports the layout and construction of major national scientific and technological infrastructure, important scientific research institutions and major innovation capacity projects in the Guangdong-Hong Kong-Macao Greater Bay Area. Secondly, CCB supports collaborative innovation carried out by enterprises, universities, and research institutes, and provides financial support in building high-level technology R&D institutions and talent training institutions, so that the source of innovation can flow fully and stimulate new citizens' enthusiasm for innovation and entrepreneurship in Foshan.
not only encourages entrepreneurship, but also paves the way for entrepreneurs and provides efficient and convenient industrial and commercial business processing services. With the advantages of digital operations, as early as 2020, Foshan Construction Bank joined hands with the Foshan Market Supervision and Administration Bureau to launch the "Hong Kong and Macao Commercial E-Point Connect" to facilitate business owners to apply for business licenses by themselves, so that entrepreneurs can easily handle industrial and commercial affairs at their doorstep.
For rural labor entrepreneurship and employment, Foshan Construction Bank actively provides comprehensive financial services to farmers. In terms of farmers' products, it accelerates the promotion of farmers' land and subsidies, characteristic agricultural industries, credit village credit users and other relatively mature business models. For example, expand the "agricultural insurance + credit" model, connect to national agricultural insurance data to increase credit for farmers, and provide full-process online credit loans; explore and enrich the credit product system for county farmers, and launch personal operating loan with professional wholesale market merchants, street self-employed businesses, and small-scale business owners as the service targets.
In terms of rural revitalization training, CCB has carried out special training on rural revitalization of "Jinzhihui Farmers" to provide rural revitalization knowledge, policies and products training for village talents, village doctors, retired soldiers, technical backbones of new agricultural business entities, leaders of new agricultural business entities, and leaders of industrial development.
