"Shaxian Snacks" can be loan in other hometown?Fujian Banking Insurance Regulatory Bureau supports new citizen financial services

Zhongxin Jingwei, August 11th (Wei Wei) How to do a good job of financial services for new citizens is one of the key points of financial institutions recently. "Since this year, we have implemented the work deployment of the Banking and Insurance Regulatory Commission, introduced a comprehensive action plan for financial services for new citizens, and guided bank insurance institutions to promote the innovation of financial services for new citizens for the new citizens' financial services for the" difficult point ''. " At the routine press conference of the banking industry insurance industry, the party secretary and director Junglin of the Fujian Banking Regulatory Bureau said.

According to the "Notice on Strengthening the Financial Services of New Citizens" jointly issued by the Banking Insurance Regulatory Commission and the People's Bank of China, the "new citizen" mainly refers to the reasons for their entrepreneurial entrepreneurship, children to school, and children. Or have various groups that have been less than three years of local household registration, including but not limited to migrant workers and graduates of new jobs. According to the CBRC, there are about 300 million new citizens in various provinces, cities, counties and districts, and are not balanced.

"The total number of new citizens in Fujian is large and the layout is scattered, but there is a certain industrial aggregation in the input place, such as Sanming's" Shaxian snack business group ", Fuzhou Yongtai 'construction industry worker group", "the jungle pointed out.

How to rely on the supply chain service industry cluster and crack information asymmetry? According to the jungle, the Fujian Banking Insurance Regulatory Bureau promotes the cooperation of banking institutions and exported local government, selects industries with clear industrial chain, builds a financial technology service platform, and will be scattered throughout the country to "concentrate on the Internet" and establish an "database database database of industrial clusters. ", Banking institutions provide supply chain financial services such as" supply chain+orders "and" supply chain+flowing water ".

The jungle uses Shaxian snacks as an example, relying on Shaxian snack nationwide to distribute central kitchen, and promote the establishment of a nationwide digital platform. Banking institutions launched "online collection loans" based on "material flow" and "cash flow". Provide services such as remote surveys, electronic contracting, etc., to achieve "can also get loans in other countries."

The jungle also observes that the new citizen group has common characteristics, which can mortgage assets in the output place, and the loan demand is in the input place, facing the dilemma of mortgage space mismatch and insufficient credit.

In order to solve the problem of lack of pledge and credit, the Fujian Banking Regulatory Bureau explored the input ground and the output place across space. According to the jungle, the Fujian Banking Insurance Regulatory Bureau develops from the two -way input and output ground to innovate the "urban and rural joint loan", with the input local institution as the organizer, the output land institution is the co -organizer, and the organizer leads the pre -loan investigation and review. Examination and approval, loan issuance and post -loan management, the co -organizers assisted in handling background investigations, pledge registration and risk disposal. At present, some institutions in the jurisdiction have been implemented in practice. For example, the "new citizen loan" of the postal savings bank's Fujian Branch has received a total of 810 million yuan.

The jungle also stated that the Fujian Banking Insurance Regulatory Bureau made a multi -angle of coverage, fit, and convenient to crack the problem of low insurance touch rate. In the coverage, guide the launch of the "Eight Minute Insurance" and "Huiminbao" and other low -premiums and unlimited customized inclusive medical insurance. Some products are not linked to the household registration. Essence In accordance with the degree of fit, for new citizens such as truck drivers, online car drivers, courier and other new citizens to guide the launch of accidental damage insurance and medical insurance such as "security insurance" and "riding insurance". "Flexible insurance methods and provide personalized customization services. In terms of convenience, in response to the difficulties in handling new citizens 'off -site business, promote the online handling of insurance customers' information modification, payment account change, survival fund collection, claims reporting, etc. At the same time, it provides services such as on -site survey of accidental land institutions.

The jungle emphasizes that the financial services of new citizens need multi -departmental coordination. "In the near future, we are also working with multiple departments to further improve work measures, promote the establishment of credit information sharing mechanism and risk compensation mechanism, make good use of financial instruments, improve the equalization and convenience of new citizens' financial services, and help new citizens live in the city." (For more reports, please contact Wei Wei, the author of this article: [email protected]) (Zhongxin Jingwei APP)

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