A few days ago, the first financial work conference was held in Beijing. The meeting pointed out that high-quality development is the primary task of building a modern socialist country in an all-round way, and finance should provide high-quality services for economic and social development. Do a good job in science and technology finance, green finance, inclusive finance, pension finance, and digital finance.
Consumer finance is an important part of the inclusive financial system. Committed to becoming a leader in the field of consumer finance and an innovator in the field of inclusive finance, IB Consumer Finance has always been based on the original intention of inclusive finance, relying on the advantages of IB as a comprehensive financial group, adhering to the service tenet of "credit based on credit and lending with 'sincerity'", providing modern consumer financial products to the public who are difficult to fully enjoy the loan services of traditional banks, continuously deepening customer service and the application of financial technology, and vigorously promoting the high-quality development of inclusive finance.
Continuously optimize product design to benefit more new citizens.
With the deepening of China's industrialization, urbanization and agricultural modernization, hundreds of millions of rural people have moved to cities and towns through employment and education, and have become new citizens. The takeaway brother who shuttles and delivers food in the business building, the small boss who opens a breakfast restaurant on the street corner, and the part-time worker aunt who takes orders at any time ......The struggle of "new citizens" can be seen everywhere in the clothing, food, housing and transportation of urban life.
In March last year, the former China Banking and Insurance Regulatory Commission and the People's Bank of China jointly issued the "Notice on Strengthening Financial Services for New Citizens", pointing out that new citizens mainly refer to various groups who have come to live in cities and towns for reasons such as starting a business and employment, going to school with their children, and taking refuge with their children, and have not obtained local household registration or have obtained local household registration for less than three years, including but not limited to migrant workers in urban areas, newly employed college and secondary school graduates, etc., with about 300 million people at present.
From the perspective of customer characteristics, "new citizens" have unstable jobs, low incomes, weak sense of belonging and happiness in the city, and can obtain less financial support due to lack of personal credit information and lack of effective collateral. The new citizen group is a strong force for the growth of social consumption, and there is a large demand for consumer finance, which is consistent with the customer positioning of consumer finance companies.
In recent years, IB Consumer Finance has accelerated the innovation of its products and service models, and launched products such as "Business Establishment Plan" and "Uketong", focusing on serving new citizens, including fresh graduates and young white-collar workers, to meet their differentiated financial needs in the transition stages of entering the city, settling down and employment, and alleviating their economic pressure in housing leasing, education and training. At the same time, IB Consumer Finance gives full play to the offline advantages of its flagship product "Family Consumption Loan", provides one-to-one services for new citizens who are starting businesses in the city, formulates exclusive credit service plans, and provides preferential interest rates in the pricing range for customers of the same type, so as to ensure that loans are disbursed within one day and meet their reasonable financing needs.
Extend the service tentacles and deeply cultivate the rural hot soil.
Rural revitalization is a major strategy to undertake the expansion of domestic demand and smooth the domestic circulation. Individually-owned industrial and commercial households and agricultural business entities widely scattered in counties and townships are the source of vitality for China's economic development, play an important role in economic prosperity, stable employment, and promote innovation, and are the key service objects of inclusive finance.
In recent years, IB Consumer Finance has adhered to the coordinated promotion of online and offline, continuously expanded the coverage of financial services, and delivered inclusive financial services to the fertile fields to meet the financial service needs of farmers in one stop, helping to improve the living standards of farmers' families, stimulating the potential of rural consumption, and adding new impetus to rural revitalization.
On the business side, on the one hand, IB Consumer Finance takes the counties of Fujian Province as a pilot project to provide financial consulting and financial loan services for rural households in rural areas, and carries out financial publicity activities in rural areasOn the other hand, it focuses on increasing the tilt of the special product "Xingcai Plan" to rural families, and rural families account for more than 65% of the nearly 50,000 college student families served, helping rural students enter higher education institutions and improve human capital.
The relevant person in charge of IB Consumer Finance said that he would deeply study and Xi implement the spirit of the first financial work conference, unify his thoughts and actions with the spirit of the important speech of the first general secretary and the best decision-making and deployment, and closely focus on the core goal of building a "first-class consumer finance company", and continuously meet the growing financial needs of the people with high-quality consumer financial services.