On December 1, the State Administration of Financial Supervision pointed out on its official website that in order to thoroughly implement the people-centered development philosophy and enhance the sense of gain and satisfaction of the majority of financial consumers, the State Administration of Financial Supervision urged and guided large banks to actively listen to the voices of consumers, understand consumer demands, continue to strengthen the empowerment of science and technology, optimize financial supply, do a good job in service sinking, actively fulfill social responsibilities, and effectively do practical things and solve problems for the people. Based on the actual situation of the Bank, large banks have launched a series of measures to benefit the people and continue to promote the work of doing practical things for the people to achieve new results.
Industrial and Commercial Bank of China: Promote the deepening and practical work of private affairs
ICBC actively practiced the people-centered development philosophy, conscientiously implemented the national policy requirements such as inclusive finance and rural revitalization, and took the "Financial Consumer Rights Protection Education and Publicity Month" as an opportunity to focus on financial empowerment and helping enterprises to bail out, focusing on financial empowerment and helping enterprises to bail out, implement relevant policies to benefit the people, take the initiative to handle practical matters to benefit the people, continue to strengthen the supply of financial products and services such as new citizen groups, rural areas, small and micro customers, and effectively address the concerns of the masses. Among them, ICBC has continuously improved the inclusive financial service system, and institutions at all levels have provided exclusive, convenient and preferential services for customers, small and micro enterprises and individual industrial and commercial households in rural areas through innovative loan products and expanded service models. As of the end of September 2023, inclusive loans increased by nearly 40% from the beginning of the year. In terms of helping rural revitalization, based on land ownership, planting scale and other operating conditions, as well as agriculture-related data such as agricultural insurance, the "planting e-loan" product has been innovatively launched since the end of 2022 to meet the capital needs of all links in the crop growth cycle. At present, the financing balance of this product has exceeded 15 billion yuan, serving more than 20,000 farmers. Agricultural Bank of China: Practice practical things for the people and protect the financial happiness of the masses
ABC resolutely implements the strategic plan of building a financial power, fully implements the "people-centered" development philosophy, practices the political and people's nature of financial work, broadens the breadth and depth of financial services and enhances the people's sense of gain, happiness and security by focusing on key areas and hot issues such as serving rural revitalization and serving new citizens. In the past three years, ABC has been awarded the highest grade of "excellent" in the assessment and evaluation of financial institutions for rural revitalization by the regulatory authorities. As of the end of September 2023, the balance of loans in the field of rural revitalization of ABC was 865 trillion yuan, an increase of a record high in the same period in history. Bank of China: Practical work for the people, consumer protection and responsibility
Bank of China resolutely practices the political and people-oriented nature of financial work, always adheres to the "people-centered" development philosophy, continues to promote practical things for the people, increases the efforts to benefit enterprises, and formulates the implementation plan of "Benefiting Thousands of Jobs and Ten Thousand Families".Innovate financial products and services to meet the housing needs of new citizens;Broaden financial service channels, digitally empower, age-appropriate transformation, and improve the level of service facilitation;Efforts will be made to improve the financial literacy of the public, continuously promote the education and publicity of consumer rights and interests protection to be more down-to-earth and innovative, build a "connecting bridge" to serve the masses, and deepen the "responsibility field" for the convenience and benefit of the people. Among them, Bank of China continued to expand the "finance + government affairs" scenario of smart counters, and added 130 government services in Shanghai, Jiangsu, Zhejiang and Anhui provinces and one city in the "Yangtze River Delta One Network" scenario, further enriching the matters that can be handled in different places and regions. Up to now, a total of more than 1,100 special government affairs and convenience services have been launched at the smart counters of more than 5,300 outlets, covering social security, medical insurance, taxation, public security, justice, civil affairs, provident fund and other fields, effectively "allowing data to run more and the masses to run less errands". CCB: Exploring a new path for the people to do practical things in the new era
In recent years, CCB has thoroughly implemented the Thought of Socialism with Chinese Characteristics in the New Era, deeply understood the importance of serving new citizens, actively discovered the financial needs of new citizens, accurately met the financial needs of new citizens, formulated comprehensive financial plans, served new citizens with heart and soul, and continuously explored new ways to do practical things for the people in the new era, so as to improve the financial health of new citizens. Focusing on the safe housing of new citizens, CCB continued to strengthen its housing leasing financial services, improved the closed-loop service of "investment, financing, management and withdrawal" integrating equity investment, financing support, management and operation, and REITs listing, and supported the raising of affordable rental housing. We will give full play to the advantages of state-owned banks in resource integration, explore multiple service models such as collective land projects and non-residential-to-residential projects, and help increase the supply of rental housing with small units and low rents that meet the needs of new citizens. As of the end of August 2023, the balance of housing rental loans exceeded 300 billion yuan, supporting more than 1,600 housing rental enterprises, more than 600 affordable rental housing projects, and more than 270 long-term rental communities managed and operated by its subsidiary CCB Housing, providing housing security for newly graduated college students, newly employed white-collar workers, urban basic public service personnel, etc., and supporting the improvement of the rental quality of new citizens. Bank of Communications: New citizen services reflect financial responsibility
Bank of Communications gives full play to the financial responsibility of a major state-owned bank, strengthens the awareness of the overall situation of financial services for the people, strives to solve urgent problems for the people, and actively promotes new citizen services. Focusing on the employment, housing, travel, medical and other living needs of new citizens, Bank of Communications continues to innovate financial products and services, and improves the coverage, availability and satisfaction of financial services for new citizens through financial technology empowerment and online and offline channel synergy. Adhering to the tenet of "more data and less errands for the masses", Bank of Communications relies on the advantages of financial technology to build a scenario ecology of "smart government affairs and financial services". Bank of Communications has built the "Jiaotong Zhengtong" government service brand, and has set up government service functions such as human resources and social security, medical insurance, household registration, and pension in its branches offline with intelligent terminals, and built its outlets into "government affairs halls" around new citizensThrough mobile banking, open banking and other channels, it connects with online government affairs platforms in various places, supports new citizens in the Yangtze River Delta region** to apply for 553 government affairs such as residence permits, social security, and medical treatment in other places across provinces, and provides one-stop convenient services for new citizens. Postal Savings Bank: Actively practice "finance for the people" and create "warm service" with heart
PSBC has always adhered to the positioning of serving the "Three Rural Areas", urban and rural residents and small and medium-sized enterprises, and actively practiced the political and people's nature of financial work. For a long time, PSBC has focused on the financial service needs of the people, actively implemented practical things to benefit the people, and solidly promoted common prosperity, especially in terms of comprehensively serving new citizens, vigorously supporting the revitalization of rural industries, and helping farmers increase their income and get rich. In recent years, PSBC has focused on the "small and beautiful, beautiful and excellent" rural characteristic industries, customized exclusive service plans according to the differentiated and personalized needs of different industries, and provided "online + digital + automated" industrial loan services. As of the end of September 2023, it has formulated business plans for more than 300 characteristic industries, more than 400 business district markets and more than 80 core enterprises in the industrial chainThe cumulative investment in industrial loans exceeded 100 billion yuan, with a balance of more than 100 billion yuan, an increase of more than 82 billion yuan from the end of the previous year, serving nearly 200,000 industrial business entities. Everybody is watching
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**: Financial Times client author: Xu Beibei Editor: Liu Nengjing E-mail: fnweb@126com Follow the Financial Times*** for more exclusive news