In recent years, the coverage and availability of financial services in the field of people's livelihood in China have gradually improved. According to data from the State Administration of Financial Regulation, 97 banking institutions are currently covered by branches across the countryIn 9% of townships and townships, townships and townships have basically realized that townships and townships have institutions, villages and villages have services, and every household has an accountTownships and towns across the country have basically achieved full coverage of insurance services. As of the end of August 2023, the balance of inclusive small and micro enterprise loans nationwide was 274 trillion yuan, with an average annual growth rate of about 25% in the past five years.
With the economic and social development, financial services in the field of people's livelihood need to improve quality and efficiency on the basis of "increment and expansion", which is a higher requirement for financial institutions to implement. **The recently released "Implementation Opinions on Promoting the High-quality Development of Inclusive Finance" proposes to improve the quality of financial services in the field of people's livelihood.
Helping older people bridge the "digital divide".
In recent years, banking and insurance institutions have taken the initiative to adapt to the aging trend in China, focusing on the service scenarios and high-frequency matters involved in the daily life of the elderly, continuously enriching financial services for the elderly, providing intimate and convenient financial services for the elderly, and helping the elderly cross the "digital divide".
The Ruihao resettlement site in Zheng'an County, Guizhou Province is the largest resettlement site in Zunyi City. Five or six years ago, more than 10,000 relocated people here walked out of the barren mountains and lived in clean and tidy buildings, but there were problems such as low participation in social security and a high proportion of left-behind elderly people. "In order to make the temperature of pension finance warmer, we guide local small and medium-sized commercial banks to develop exclusive products, set up exclusive financial outlets for new citizens who are relocated for poverty alleviation and relocation, and help the elderly in the relocation sites gradually adapt to the convenience brought by financial services in the new era. Fan Lu, head of the Large Bank Supervision Section of the Zunyi Branch of the State Administration of Financial Regulation, said.
Now for face verification, you blink, nod your head, ......In the inclusive financial service outlets of Zheng'an Rural Credit Union, Lan Jie, the account manager of Ruihao Branch of Zheng'an Rural Credit Union, is patiently helping the elderly to use the "Qiannongyun" APP to handle financial business. As a lively place in the resettlement site, some elderly people in the neighborhood like to come to the outlets to "visit the door": there are often elderly people who come here to handle business with the help of the staff, and there are elderly people who can't use smartphones to use the outlets to chat with their children who are working outside.
This is a supermarket-type inclusive financial service point, which can not only handle financial business, but also social security business. "In order to prevent them from running back and forth, we have set up outlets here, taught them to use smartphones, and also provided door-to-door services for the elderly with limited mobility," he said.
In order to give full play to the role of traditional service methods as a comprehensive guarantee, banking and insurance institutions generally retain the traditional service methods such as labor, cash, and passbooks that the elderly are Xi to. At the same time, the activation of social security cards, the issuance of social security funds, pension and other services for the elderly in a phased centralized manner, flexible manpower is arranged to effectively fill the gap in financial services for elderly consumers.
While strengthening the manual service and door-to-door service for the elderly, banking and insurance institutions have also vigorously developed financial technology to adapt to the elderly, and generally adopted measures such as launching the "elderly version" mobile phone application software with a more simplified interface, more prominent functions and clearer text, automatically connecting the elderly to manual agents, simplifying the operation steps of self-service terminals, etc., to provide more warm financial services for the elderly.
In addition, the banking and insurance industries actively formulate and implement financial standards for the elderly, and accelerate the standardized development of financial services for the elderly. In April this year, the Sichuan Banking Association issued the "Service Standards for the Elderly". According to reports, the "standard" is divided into two grades, high-end, standard, covering facilities and equipment, service process, service experience, humanistic care, social responsibility five major plates, among them, the high-end file for hardware upgrades, service extension, emergency protection, etc. put forward higher requirements, the standard file is more focused on meeting the universal, easy to achieve the needs of the aging service, convenient for banking financial institutions to combine the positioning layout of the outlets under their jurisdiction, resource supply and other classifications to promote.
Strengthen support for medical and health projects.
In terms of supporting the public medical and health industry and projects, under the premise of controllable risks, insurance institutions should strengthen cooperation with the best at all levels to develop customized commercial medical insurance business in line with the actual situation of the city, and explore the insurance industry to strengthen data sharing with medical institutions and social security departments in accordance with laws and regulations, so as to provide accurate data support for insurance product design and claim settlement.
Taking Chongqing "Yu Kuaibao" as an example, in the insurance liability, the deductible for out-of-pocket expenses is only 5,000 yuan, and the deductible for out-of-hospital special drugs is 0 yuan. Up to now, "Yu Kuaibao" has paid a total of 1.07 million people to the sick, reducing the burden by 11100 million yuan, of which, the highest compensation for a single person is 77660,000 yuan, with a maximum single compensation of 66640,000 yuan, the maximum age of compensation is 104 years old, the minimum age of compensation is only 1 month old, and the maximum burden of medical expenses is reduced by 80%, and the average personal burden is reduced by 212%, the effect of supplementing and reducing the burden continues to appear.
Pu Peng, deputy director of the Department of Cardiology of the First Affiliated Hospital of Chongqing Medical University, said: "'Yu Kuaibao' can protect the elderly and children, which really reduces the medical burden of patients. Including myself, there are very few commercial insurance companies that can cover me, because I have two lung nodules, but I can insure 'Yu Kuaibao'. In the clinical frontline, Pu Peng also often sees many rare disease patients who have returned to poverty due to illness, "For example, there is a rare disease that is pulmonary hypertension, and the monthly ** cost can reach 30,000 yuan or even higher." For these patients, I basically recommend them to buy 'Yu Kuaibao'."
By lowering the threshold and increasing protection, urban customized commercial medical insurance is becoming more and more in line with the real medical security needs, further expanding the benefits of the insured population. For example, the 2024 project of "Yu Kuaibao" will include commonly used medical consumables such as orthopedic steel plates and coronary stents into the scope of insurance, and add four new cancer drugs for cervical cancer, pancreatic cancer, cholangiocarcinoma, and microsatellite highly unstable solid tumors, and expand the types of special drugs outside the hospital to 60.
Banking institutions have also strengthened financing support for public medical and health industries and projects in accordance with laws and regulations. In Mianyang, Sichuan, Bank of Communications innovated the "Credit Medical Treatment" project to effectively alleviate the cost of medical treatment and the economic pressure of capital advances.
"Credit medical treatment" refers to the fact that residents can enjoy the credit medical treatment settlement service of "medical treatment first, pay later, and skip the line" in the outpatient clinics of pilot hospitals by signing contracts online and applying for credit medical treatment quotas. Bank of Communications Mianyang Branch grants a special quota of not less than 3,000 yuan for outpatient credit medical treatment, and gives an interest-free period, which solves the urgent need for the economically disadvantaged people and reduces the burden of medical treatment. In addition to simplifying the medical treatment process, "credit medical treatment" also focuses on the needs of key groups such as the elderly and children, launches the "family payment" service, and establishes a credit value family sharing mechanism, so that the elderly and children can simultaneously enjoy the "first diagnosis and later payment" service.
At present, Bank of Communications Mianyang Branch's "Credit Medical Treatment" has been put into operation in 9 hospitals in Mianyang City. Through "credit medical treatment", the settlement accounts of 7 hospitals have been opened, and more than 1 customer has signed contracts30,000 people, with an approval rate of 9809%。
Optimize entrepreneurial financial products and services.
The "Opinions" put forward that it is necessary to implement the policy of guaranteed loans for entrepreneurship and improve the convenience of loansSupport financial institutions to enrich financial products such as student assistance and entrepreneurship for college students under the premise of compliance with laws and regulations and controllable risks.
According to data from the State Administration of Financial Regulation, as of the end of the first half of 2023, the balance of personal operating loans increased by 19 percent year-on-year3%, mainly invested in individual industrial and commercial households and small and micro business owners and other business entities, and the balance of entrepreneurial guarantee loans increased by 14 percent year-on-year9%, which helped to ease the pressure on the job market.
The relevant person in charge of the Sichuan Supervision Bureau of the State Administration of Financial Supervision said that in recent years, banking institutions have continued to increase their support for innovation and entrepreneurship finance. For example, the Sichuan Branch of the Agricultural Bank of China launched the "Graduation e-Loan" to issue microcredit loans to new citizens in Chengdu within 3 months to 5 years of employment. The Sichuan Provincial Rural Credit Union and the Sichuan Provincial Committee of the Communist Youth League jointly launched the "Shuqing Revitalization Loan" to alleviate the problem of employment and entrepreneurship funds for young people such as college graduates. Bank of China Sichuan Branch, together with the Chengdu Human Resources and Social Security Department, launched the "Chengdu Job Expansion Loan", which mainly supports enterprises with a large number of employees, good job stabilization effect and standardized employment, and plays a greater role in stabilizing the employment situation.
In view of the problems faced by college students in innovation and entrepreneurship, such as financing difficulties, lack of financing experience, and inadequate financing services, banking institutions give full play to the role of guaranteed loans for entrepreneurship. According to data from the Sichuan Provincial Local Financial Supervision Bureau, as of the end of the third quarter, banking financial institutions within its jurisdiction provided credit for innovative and entrepreneurial entities such as scientific and technological personnel, overseas high-level talents, young college students and grassroots talents634.6 billion yuan, with a loan balance of 409.3 billion yuan, of which non-pledged loans accounted for more than 60%, and about 70% of the loans were medium and long-term loansProvide credit for employment and entrepreneurship of new citizens such as college graduates6847.2 billion yuan, with a loan balance of 2385.5 billion yuan.
China has achieved positive results in the development of inclusive finance, but it still faces problems and challenges. Industry insiders believe that there are still problems such as uneven development, the application of science and technology to be strengthened, and the level of risk prevention and control to be improved, and we should focus on building a commercially sustainable, affordable and risk-controllable inclusive financial development model, so as to achieve high-quality development of financial services in the field of people's livelihood in a wider field, deeper and wider scope. (Economic ** reporter Yang Ran).