Since the beginning of this year, Shanghai Pudong Development Bank Beijing Branch has focused on the financial needs of new citizens in key areas such as entrepreneurship, employment and housing, increased the supply of financial services, and continued to optimize various measures for new citizens' financial services, so as to effectively enhance their sense of gain, happiness and security.
In response to the consumption needs of new citizens, SPD Bank actively explores financial product innovation and service efficiency improvement, and launches the personal consumption credit product "SPD Flash Loan" based on multi-dimensional credibility data such as personal credit, provident fund, social security, and external data. "SPD Flash Loan" relies on big data models and decision-making systems to achieve rapid approval and real-time loan disbursement. In order to help users save loan interest, the product supports users to apply for a credit line first, and then withdraw money when users need to use funds, so as to flexibly meet the diversified consumption needs of new citizens such as decoration, education and training, and car purchase.
For key entrepreneurial groups among new citizens, such as individual industrial and commercial households and small and micro business owners, Shanghai Pudong Development Bank Beijing Branch has launched a comprehensive financial support for entrepreneurship and employment, providing them with business loans priced at preferential interest rates according to their business forms, income characteristics, capital needs, etc. Through differentiated financing schemes, it is difficult to solve the problems of entrepreneurship, loans and financing for new citizen groups.
Shanghai Pudong Development Bank Beijing Branch also actively optimizes account services, making full use of existing personal bank accounts to pay wages and supporting inter-bank payment of wages in view of the difficulty of opening accounts for migrant workers in urban areas. At the same time, under the premise of controllable risks, we provide personal simple account opening services, and for users who cannot provide supporting materials for the time being, they can first open an account with a lower transfer limit for daily basic settlement, so as to avoid affecting their life and employment due to the inability to open a salary card account.
In order to provide financial literacy services close to new citizens, Shanghai Pudong Development Bank Beijing Branch regularly organizes employees to go to densely populated places such as communities, parks, and enterprises near its outlets, and popularize the knowledge of preventing telecom fraud, staying away from illegal fund-raising traps, and identifying illegal financial activities through knowledge lectures, case explanations, interactive Q&A, etc., so as to help new citizens improve their basic financial literacy and improve their ability to recognize and prevent fraud.
Subsequently, Shanghai Pudong Development Bank Beijing Branch will further improve services, strengthen innovation, and optimize processes according to local conditions, so as to help new citizens smoothly integrate into and take root in urban life with more diversified new citizen service measures.
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