“Great, with this card, I can enjoy the benefits and customized excellent + services provided by Postal Savings Bank Of China Co.Ltd(601658) for us. With such a good era and such a good policy, there is no reason not to work hard! Life will be better and better!” On April 13, the customer Mr. Zhang came to Postal Savings Bank Of China Co.Ltd(601658) TongZhou Tonghu Street sub branch near the company and filled in the U + card registration form. After the staff quickly verified the information, Mr. Zhang got his long-awaited new citizen U + card in less than 10 minutes. Knowing that he got the Postal Savings Bank Of China Co.Ltd(601658) first U + card, Mr. Zhang was even more excited, “not only to use it well, but also to collect it well. It has different meanings and is worth it!”
The U + card mentioned by Mr. Zhang is an exclusive bank card customized by Postal Savings Bank Of China Co.Ltd(601658) for new citizens. In addition to the functions of traditional bank debit card, such as cash deposit and withdrawal, card consumption, transfer and remittance, collection and payment on behalf of others, and asset management, the card is also superimposed with tariff reduction, delivery preference, entrepreneurship and employment fund support, entrepreneurship guaranteed loan support, car purchase preference, education fund support, investor education activities, online service experience Theme marketing activities, “postal savings post station” warm-hearted service and many other rights and interests. Provide high-quality comprehensive financial services for new citizens, improve the availability and convenience of financial services for new citizens, and help new citizens achieve a better life.
relying on the advantages of natural endowment, the financial service field of new citizens is arranged at the first time
It is reported that with the in-depth promotion of China’s industrialization, urbanization and agricultural modernization, more and more rural people have become new citizens through entrepreneurship, employment and schooling. At present, this group has reached about 300 million people. Doing a good job in financial services for new citizens is not only a necessary measure to meet people’s yearning for a better life and promote common prosperity, but also of great significance to deepen the structural reform of the financial supply side and promote the high-quality development of Inclusive Finance.
On March 4, the China Banking and Insurance Regulatory Commission and the people’s Bank of China officially issued the notice on strengthening financial services for new citizens. In view of the financial needs of new citizens in key areas such as entrepreneurship, employment, housing, education, medical treatment and pension, encourage and guide banking and insurance institutions to actively link up with existing support policies, strengthen product and service innovation according to local conditions, and expand financial supply with high quality, Improve the equality and convenience of financial services.
In order to thoroughly implement the decision-making and deployment of the CPC Central Committee and the State Council and earnestly implement the requirements of the notice on strengthening financial services for new citizens issued by the CBRC and the people’s Bank of China, Postal Savings Bank Of China Co.Ltd(601658) respond at the first time, make overall layout, focus on the financial needs of new citizens and create a special comprehensive financial service scheme for them.
Postal Savings Bank Of China Co.Ltd(601658) retail has outstanding resource endowment advantages, serving more than 630 million individual customers and nearly 40000 outlets. As a young large-scale retail bank, since its establishment in 2007, Postal Savings Bank Of China Co.Ltd(601658) has been positioned to serve “agriculture, rural areas and farmers”, urban and rural residents and small and medium-sized enterprises, adhere to the mission of “benefiting urban and rural areas and making financial services without distance” and provide comprehensive financial services for new citizens, which is not only the advantage of Postal Savings Bank Of China Co.Ltd(601658) inclusive gene, but also the embodiment of fulfilling the responsibility of big banks.
create a characteristic comprehensive financial service scheme to meet the financial needs of new citizens in one stop
The new public is mainly about the various types of groups who have come to the cities for their registered residence or registered residence for three years, but not limited to migrant workers, new employment secondary vocational school graduates, etc. At present, there are more than 8 million new citizens in Beijing, accounting for about 40% of the total permanent population.
The relevant person in charge of Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch said that Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch will earnestly implement the work requirements of local Party committees, governments and regulatory departments, fulfill the responsibility of Inclusive Finance according to the unified deployment of the head office, protect people’s livelihood and promote consumption, and promote the implementation of the comprehensive financial service scheme for new citizens.
Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch focuses on the financial needs of people in new city, relying on the advantages of retail resource endowment, creates a characteristic comprehensive financial service scheme and provides one-stop financial services. Aiming at the problem of new citizens’ employment, which is widely concerned by the society, Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch will provide financial support for entrepreneurship and employment to help new citizens gain a firm foothold in the city and truly integrate into urban life Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch will formulate special credit products and service plans for new citizen customers, and provide rapid acceptance and approval channels for small loans; For new citizen customers who meet the access conditions of other small loans, exclusive interest rate concessions will be given; For new citizens who enter the city to start a business, if they apply for business loans, they will be given exclusive interest rate concessions; Cooperate with Beijing Municipal Bureau of agriculture and rural areas, Beijing Municipal Bureau of Finance and other departments to assist new citizens who meet certain requirements to go through loan discount procedures and reduce the financing cost of new citizens Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch will also provide preferential service charge rate for civil and commercial households in Xinshi, and provide diversified value-added services such as member management, employee management, business analysis, card and coupon marketing for free.
Meanwhile, Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch will further improve the credit service policy for new citizens. Special research and development of exclusive credit products for new citizens’ active credit; Aiming at the pain points of imperfect credit information and difficult credit application of new citizens, Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch will explore more ways of income recognition based on bank flow, social security and tax payment, increase the flow income recognition of third-party payment platform, and recognize the income repayment ability of customers through multiple channels, so as to help them do a good job in housing loan application; In view of the car purchase needs of new citizens, Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch will launch preferential activities for group purchase of passenger cars and small loans for operating vehicles with the lowest interest rate up to LPR, so as to help new citizens consolidate the economic foundation of living in the city through credit services.
Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch will continue to expand insurance coverage and build a pool of new citizen products covering lifelong annuity insurance, short-term medical insurance, long-term care insurance and family property insurance to help new citizens resist uncertain risks; For children and the elderly who cannot live together in the city for the time being, Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch will create a digital RMB family friendly wallet based on the parent-child wallet system, and provide services such as free transfer of money from the parent wallet to the child wallet and quota management, so as to facilitate the daily consumption of children and the elderly.
While doing a good job in inclusive services, Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch will rely on 507 outlets in the city to carry out extensive investor education activities, carry out targeted investment and education salons for new citizens, popularize consumer rights and interests protection, investment and financial management concepts, insurance protection awareness and how to apply for convenient credit, payment and settlement services, so as to help new citizens master more financial knowledge and learn to use more financial instruments.
Beijing Branch has also built a love post station in Guang’anmen sub branch, which will continue to expand its scope in the future to provide convenience and benefit services for outdoor workers, such as “resting when tired, charging when out of electricity, and adding water when thirsty”, and provide warm services for new citizens to integrate into urban life.
In addition, Beijing Branch will organize all branches in the city to carry out a series of activities for new citizens’ customers, such as preferential house purchase Festival, “rural plus mail order vehicle season”, digital RMB red envelope consumption voucher, full reduction of 12306 railway travel, “American weekend” and so on, so as to cover all aspects of new citizens’ life with real benefits.
issue the exclusive “U + card” for new citizens to implement preferential services
It is reported that Postal Savings Bank Of China Co.Ltd(601658) new citizens’ U + card face is blue, and “U” is pronounced as “you” in English to express that new citizens contribute their intelligence and wisdom to promote urban development and add (“+”) color to the city; Use “U” to represent ” Postal Savings Bank Of China Co.Ltd(601658) “, expressing that Postal Savings Bank Of China Co.Ltd(601658) helps new citizens build a home (“+”) park in the city. Through the new citizen card, further strengthen the link between Postal Savings Bank Of China Co.Ltd(601658) and new citizens, and realize the warm and beautiful picture of “you” you, “mail” me and “have” home.
While recognizing the identity of new citizens and enhancing their sense of identity, U + cards provide exclusive card use, delivery, house purchase, car purchase and other benefits around life scenes, so that new citizens can enjoy financial services without worry Postal Savings Bank Of China Co.Ltd(601658) will convey the concept of “making good use of Finance and a better life” to enhance people’s sense of gain and happiness through financial services.
In order to enable new citizens to easily enjoy comprehensive financial services, Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch will provide convenient services for private cards in Xinshi relying on 507 outlets in the city. New citizens who meet the conditions only need to hold their own ID card and go to any outlet of Postal Savings Bank Of China Co.Ltd(601658) Beijing branch to obtain new citizen U + card on site. New citizens holding “U + cards” will enjoy a number of tariff reductions such as inter-bank transfer handling fees, account balance change notification SMS service fees and production costs, so as to effectively reduce the cost of using cards. At the same time, Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch, focusing on the new citizen’s life scene, launched the “U + card” to deliver Chinese ordinary parcels at postal outlets, which can enjoy a 20% discount on postage to meet the needs of new citizens.
In addition, in response to the suggestions and demands of new citizens, in the next step, Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch will take “U + card” as the link to expand more new customers, continuously improve professional service ability, create value for new citizens’ customers, accelerate the construction of a comprehensive financial service system covering key areas such as entrepreneurship, employment, housing, education, medical treatment and pension for new citizens, cover end C and end B, and constantly enrich the connotation of services. At the same time, relying on the “U + card”, Postal Savings Bank Of China Co.Ltd(601658) will further improve the customer portrait of new citizens through data empowerment, and create more financial products close to the needs of new citizens, so that more new citizens can truly make good use of Finance and enjoy a better life through Postal Savings Bank Of China Co.Ltd(601658) ‘s financial services.
