In recent years, new citizens have become a group with rapid scale expansion, great development potential and strong consumption growth in the process of urbanization. However, in the process of integrating into the city, they face many practical problems and have an urgent need for funds, which is more obvious in the group of college graduates who are young and highly educated.
In order to provide reliable financial support for college graduates to make a faster identity change, CITIC Consumer Finance has launched the "Torch Plan", an exclusive personal consumption credit loan product for college graduates, to help solve the financial problems faced by young people in the early stage of urban hard work, and relieve them of worries on the road to building their dreams.
People-oriented: Solve the financial consumption needs of new citizens in an all-round way
The Notice on Strengthening Financial Services for New Citizens requires banking and insurance institutions to adhere to the "people-centered" development philosophy, strengthen product and service innovation, optimize financial services, and expand financial supply with high quality in response to the financial needs of new citizens in key areas such as entrepreneurship, employment, housing, education, medical care, and pension.
In response to the call of the regulatory authorities, CITIC Consumer Finance has launched the "Torch Plan" product, which is mainly aimed at full-time college graduates or above and former students within 5 years of graduation, providing consumer credit services with a maximum amount of 200,000 yuan and a maximum term of 36 periods.
It is worth noting that in order to fully protect the rights and interests of users, the product has also launched an exclusive repayment method of interest first and principal later and a 30-day loan cooling-off period service for users, during which it supports repayment without reason and reduces the interest expenses generated by the loan, so that users can avoid the trouble of impulsive consumption and return to "rational" borrowing, which fully demonstrates the concept of "responsible" and "warm" consumer financial services of CITIC Consumer Finance.
Building dreams, new citizens live and work in peace and contentment, and the "Torch Plan" moistens things silently
In the nearly one year since the launch of the "Torch Project" product, a large number of college graduates have benefited from it, and they have quickly integrated into the city and approached their dreams step by step. Among them, some of them almost missed the opportunity to further their studies because of the cost of attending the conference, and some of them were worried about the rent because they were "shy in their pockets" during the probationary period......But with the help of the "Torch Project", they solved their financial worries, let go of their hands and feet, and braved the wind and waves on the road to realizing their dreams.
The new citizen group is the main force and new force of urban development, and they are the key group in the process of urbanization. Doing a good job in financial services for new citizens in the new era is the proper meaning of financial institutions to carry out financial services, and it is also an important practice for laying out new tracks.
In recent years, CITIC Consumer Finance has been deeply engaged in the "new blue ocean" of financial services for new citizens, continued to fulfill its social responsibilities in the financial industry, accelerated the improvement of financial service supply based on the needs of new citizens, and helped many new citizens take root in the city, integrate into the city, and start a better new life with practical actions. In the future, CITIC Consumer Finance will continue to practice its original aspiration of "Finance for the People", continuously strengthen financial service innovation, provide a solid consumer financial backing for new citizens to live and work in the city, and contribute more to accelerating high-quality development.