As an international consumption center city, Tianjin undertakes the implementation task of a major national strategy for the coordinated development of the Beijing-Tianjin-Hebei region, and is one of the key areas to attract more new citizens. At present, new citizens have become an indispensable force for Tianjin’s economic and social development.
In March 2022, the State Administration of Financial Supervision and the People’s Bank of China jointly issued the “Notice on Strengthening Financial Services for New Citizens”, aiming at the financial needs of new citizens in key areas such as entrepreneurship, employment, housing, education, medical care, and elderly care. Guide banking and insurance institutions to strengthen product and service innovation according to local conditions, and improve the availability and convenience of financial services for new citizens.
Tianjin Binhai Rural Commercial Bank regards doing a good job in financial services for new citizens as a practical action to implement the spirit of the 20th National Congress of the Communist Party of China and adhere to the political and people-oriented nature of financial work. The “High-quality Life Creation Action” is a powerful and effective measure. Focusing on the financial needs of new citizens in key areas, the bank innovated financial products, optimized financial services, solved financial problems, and took precise measures to guide more financial resources to flow to new citizen groups, continuously improving the quality and efficiency of financial services for new citizens, and taking multiple measures to promote The new citizens realize a better life and warm the “new” with their hearts.
Start a New Journey to Promote Entrepreneurship and Employment for New Citizens
Entrepreneurial employment is one of the main reasons why new citizens come to new cities to take root.
After retiring from the army, Mr. Li, a new citizen who came to Tianjin to start a business, hopes to quickly achieve “joyable work”. Two years ago, Mr. Li and his wife established a small factory for the production of arts and crafts. With a down-to-earth attitude, they successively won supply orders from multiple units. Since the beginning of this year, the business of the factory has continued to expand, and the payment of downstream goods has been slow, and capital turnover has been difficult. However, due to the small scale of the factory and insufficient operating data, it has not yet obtained bank financing. After Tianjin Binhai Rural Commercial Bank learned of Mr. Li’s financing needs, it took the initiative to come to the door for matchmaking as soon as possible, making full use of the bank’s “Xinmin Loan” characteristic credit product advantages to solve his financing problems. This product is a credit loan for new citizens, which requires no mortgage, flexible repayment, and reusable use, effectively reducing the financing cost of new citizens.
“The funds came in a timely manner. Thanks to Binhai Rural Commercial Bank for its financial support, I can feel the financial temperature of the city of Tianjin.” Mr. Li received a “new citizen loan” of 50,000 yuan issued by Tianjin Binhai Rural Commercial Bank After that, he purchased materials such as semi-finished products of silk flowers, stepped up production, and became more motivated to start a business.
In response to the financial needs of new citizens, Tianjin Binhai Rural Commercial Bank has launched the “New Citizen Loan” Business Management Measures in combination with the characteristics of Tianjin. , Hongqiao District and other family and social bureaus jointly launched the “Entrepreneurial Pioneer Loan”, which is guaranteed by the government and supported by discount interest, lowering the financing threshold for new citizens. At the same time, according to the characteristics of new citizen groups, the bank optimizes products such as “flow loan”, “order loan” and “credit e-loan” to improve the adaptability of new citizens, and provide customized solutions, green approval, loans with preferential interest rates and other exclusive services , to meet the financing needs of new citizens in an all-round way.
Enjoy Anju helps new citizens to buy a home with peace of mind
Only by living in peace can we enjoy our work, and the demand for housing is the most simple need for new citizens to take root in a new city, and it is also the most basic guarantee.
A few days ago, the Tianjin Supervision Bureau of the State Administration of Financial Supervision, together with the Tianjin Branch of the People’s Bank of China and the Tianjin Municipal Bureau of Finance, issued an implementation plan for strengthening financial services for new citizens, emphasizing the need to support commercial banks to meet reasonable demand for housing purchases, help increase the supply of affordable housing, and cooperate with the promotion of housing The rental market is developing healthily. In order to meet the credit needs of new citizens for rationally buying houses, especially the first home, Tianjin Binhai Rural Commercial Bank provides housing credit projects for new citizens, insists on implementing differentiated housing credit policies, makes full use of policy tools, and provides one-stop assistance to new citizen customers Settle down a home and pass on the financial temperature.
In April of this year, Mr. Gao, a new citizen, was eager to obtain the housing capital to go through the enrollment procedures for his children. After comparing the policies of various banks, he chose to apply for a second-hand housing mortgage loan from Tianjin Binhai Rural Commercial Bank. The bank quickly completed the pre-loan investigation, loan application, etc., and helped Mr. Gao obtain a loan approval in only one week. “Thanks to Binhai Rural Commercial Bank for helping us fight for the time for enrollment and registration. After obtaining the house purchase loan and getting the house book, our family really feels settled in the city.” After receiving the loan approval from Tianjin Binhai Rural Commercial Bank, Mr. Gao expressed his gratitude.
Not only can it quickly satisfy new citizens’ housing loans, but the bank also continues to optimize personal credit consumer loan products to meet new citizens’ large consumption needs such as car purchases, decoration, tourism, education, and home appliances during the transitional stage of entering the city and settling down. Some products have achieved Going online has further expanded the scope and convenience of services.
Excellent service enhances the happiness of life of new citizens
The integration of new citizens into the city is not only a change of household registration and living environment, but also a better life is the real desire.
In order to help new citizens better integrate into the city of Tianjin and enjoy more convenient financial services, Tianjin Binhai Rural Commercial Bank combines its own advantages and development reality to set out to build a diversified, distinctive, inclusive and inclusive new citizen Financial service supply system. The bank set up a leading group for new citizen services, and incorporated the work of new citizens into the annual key work. Combining the regional location of the bank and the distribution of new citizen customers, the Bank set up a new citizen service work leading group in the Binhai New Area and the Shangbei Sub-branch and Jinnan Shuanggang, where new citizens are more concentrated. The sub-branch was listed to set up a new citizen service center. Develop exclusive debit card products for new citizens, superimpose a number of fee reductions and discounts such as card opening, card replacement fees, and annual fees to effectively reduce the cost of using cards for new citizens. By the end of the second quarter of 2023, the bank has opened a total of new citizen cards 1022 sheets. Focus on customer portraits for new citizens, create exclusive wealth management products for new citizens, increase the intensity of subsidies and consumption discounts for the benefit of the people, and continuously improve the financial service experience of new citizens, so as to make life better for new citizens. As of the end of the second quarter of 2023, the bank’s new citizen wealth management scale reached 2.065 billion yuan.
At the same time, the bank aimed at new citizen groups, entered communities, enterprises, business districts, construction sites and other places, and seriously carried out financial education activities such as anti-counterfeit currency, deposit insurance, and “Financial Knowledge Popularization Month” to popularize basic financial knowledge and publicize anti-fraud Anti-fraud knowledge, through easy-to-understand explanations, improves the financial literacy of new citizens.
In the next step, Tianjin Binhai Rural Commercial Bank will continue to implement the important concept of “people’s city built by the people, and people’s city for the people”, earnestly fulfill the social responsibility of the municipal corporate bank, focus on the needs of new citizens, and continue to enrich exclusive financial and non-financial Service, let the “financial running water” continue to warm the hard-working dream chasers in the city, and contribute more financial strength to enhance the sense of gain, happiness, and security of the general new citizen groups.