Huantai Rural Commercial Bank thoroughly implements the financial service policy for new citizens, continues to improve the financial service experience for new citizens, explores a "new path" that combines new citizen services with industry customer expansion, and serves new citizens wholeheartedly with "new products, dedicated services". As of the end of November, it has provided credit support to 465 new citizens, worth 325 million yuan.
Strengthen organizational leadership and financial services warm people’s hearts. regards strengthening financial services for new citizens as a long-term key task, implements a three-level management system of "the leadership team establishes the structure, functional departments and offices implement the implementation, and grassroots branches take the lead", issues an implementation plan for new citizen financial services, and adheres to the service concept of "warmth and speed" to provide practical services and solve problems for the citizens of new cities. Among the 21 units in the bank, the "Business Department" and "Xinyuan Branch" were selected as the "New Citizen Financial Services" pilot branches. In accordance with the work philosophy of "starting from reality and subjecting to actual results", we have solidly carried out financial service activities for new citizens from six major aspects: "comprehensive and proactive docking", "innovative promotion of credit products ", "optimizing loan processing models", "expanding service content", "improving service channels" and "reducing service costs", so as to truly allow new citizens to find a sense of belonging and identity. A total of 265 new citizen services have been carried out, benefiting 1,100 new citizens.
delve into customer attributes and product innovation helps dreams come true. continues to strengthen product innovation and has developed four products: "New Citizen Entrepreneurship Loan", "New Citizen Credit Loan", "New Citizen Housing Loan" and "New Citizen Education Loan" to fully support new citizens' entrepreneurship and employment, and comprehensively ensure that new citizens can live and work in peace and contentment. Actively communicate with the Huantai County Employment Center, make every effort to innovate the credit model, and launch the "Entrepreneurship Guaranteed Loan" based on the "family culture" model. Only family members provide guarantees, turning the "Entrepreneurship Guaranteed Loan" into an "Entrepreneurship Family Loan". At the same time, we enjoy financial loan discounts and provide new citizens with entrepreneurial capital support in a low-cost financing method. Together with the Bureau of Human Resources and Social Security, we launched “Anxiang Loan” to solve the elderly care problems of new citizens and provide a solid foundation for a happy life in their later years.
relies on industry characteristics to find new ways to connect services. combines financial services for new citizens with industry customer services. It conducts centralized visits and docking with tertiary industry merchants with distinctive regional characteristics where new citizens gather in the jurisdiction, carries out customer research activities in the service industry, and relies on the hometown chambers of commerce of various new citizens to connect new citizens in batches. Organize account managers and tellers to establish a new citizen financial service vanguard team, relying on the "1+1" mobile financial service team to carry various mobile financial devices to carry out "convenient services". As of the end of November, a total of 12,815 new citizens had been served through the "customer docking in characteristic regional industries" and 1,200 financial business contacts had been established. (Ma Jian Li Junjie)
