Focus on differentiated product design, intelligent technology efficiency improvement and literacy education around new citizen Finance

Analysis of Yi Guan ： According to the data of China Banking and Insurance Regulatory Commission , At present, there are about 3 Hundreds of millions of people , This group is an important force in urban development and construction , There will also be a lot of financial and non-financial demand in the process of flowing from rural areas to cities and towns . According to Analysys , Regardless of the size of the customer base 、 Consumption intention or development potential , The group characteristics of new citizens are that banks get customers 、 The advantages of living guests , Lay out financial services for new citizens , Create a customer group business strategy exclusive to new citizens , It is an effective starting point for banks to accurately implement inclusive finance .

all the time , How to improve the convenience and availability of financial services is the most concerned topic in the development of Inclusive Finance , In the first quarter of this year, China Banking and Insurance Regulatory Commission 、 The people's Bank of China issued 《 Notice on strengthening financial services for new citizens 》, take “ New citizens ” Defined as employment due to my entrepreneurship 、 Children go to school 、 Take refuge in children and other reasons to live in cities and towns , Various groups who have not obtained local registered residence or have obtained local registered residence for three years. , It not only extends the concept of Inclusive Financial Customer Group , It also puts forward guiding financial service requirements , Accurately implement Inclusive Finance for banks , And the innovation of products and services brings new opportunities .

Focus on the key financial service areas mentioned in the notice , In the first half of the year, many banks have actively deployed , Increase the demand and supply of products and services , Formed a financial service plan for new citizens , And launched specific service measures . You can see , At present, banks mainly focus on employment 、 Start a business 、 housing 、 Medical care 、 education 、 Pension and other scenes , Create exclusive products and services for new citizens , Meet the financial needs of this large group of inclusive customers in work and life .

 

  Accurately locate new citizen groups , Create differentiated service solutions

The new citizen group itself belongs to the category of inclusive customer group , There is also demand dispersion 、 Lack of credit 、 Weak working stability 、 Lack of financial knowledge and risk awareness , But in terms of actual needs, it is different from microenterprises 、 There are still some differences among the three rural groups . Therefore, we should design customized financial products for new citizens , In meeting customers' consumption 、 Credit and other capital needs at the same time , You can also learn from the concept of new citizens 、 Range 、 Application scenario cut , Accurate positioning of the customer base , According to the characteristics of new residents who have moved into the local area 、 Behavioral preferences 、 Actual business needs, etc , Combined with regional preferential policies , Focus on “ To live and work in peace and contentment ” Create differentiated service solutions , Use intelligent technology to penetrate service scenarios , Improve the convenience and availability of services , Thus, we can more effectively tap customer value , Bring new business growth points to inclusive finance .

Strengthen intelligent transformation , Efficiency 、 Balance of cost and risk

Digital Inclusive Finance is reconstructing banking business processes 、 While providing innovative service channels , It will inevitably lead to the reduction of physical outlets and the replacement of traditional service means , To some extent, it has caused the problem of digital divide . When laying out financial services for new citizens , Offline outlets need to be considered 、 Collaborative development of intelligent devices and digital channels , It can conduct regional analysis based on big data and artificial intelligence , Optimize the distribution of outlets ; Combined with inclusive groups 、 The actual needs of new citizens , Improve the foundation 、 Guaranteed financial services ; Can be “ Suitable for aging ” Extend to “ Adaptive transformation ”, combination OCR、VR、AR Technology , Through more flexible and agile processes , Free customized service module , Provide more personalized versions and presentation forms ; By transforming intelligent devices 、 Mobile terminal function , Enrich the types of business processing , Expand the application scenarios of new citizens' financial services ; Through big data 、 AI innovates the means of credit evaluation for new citizen groups , Improve the efficiency of business acceptance and approval ; While increasing the inclusive nature of business , We also need to give consideration to process efficiency 、 Service costs 、 Balance of risk control requirements .

Carry out new forms of knowledge popularization , Improve the financial literacy of new citizens

The good financial literacy of new citizens can help banks reduce service and communication costs , Relieve the pressure of risk control , It can be used in form 5G、 Digital technologies such as mobile Internet broaden the platform for the dissemination of financial education , Through social platforms 、 New media channels such as short video platforms , Improve the accessibility and popularity of financial knowledge , For example, the typical characteristics and harm of Telecom fraud 、 Protect personal credit 、 The importance of choosing formal financial products , Improve customers' risk awareness ; The content selection can focus on the concerns of new citizens 、 Answer highly relevant questions , For example, wages 、 The loan 、 housing 、 social security 、 Pension, etc , Help new citizens have a clearer understanding of current financial policies and rights , Remove barriers to the use of financial services , At the same time, provide more valuable scene data and behavior data , Back feeding the banking business analysis and strategy optimization .

Notice of declaration ： The third-party data and other information cited by Analysys in this article are from public sources , Analysys analysis assumes no responsibility for this . In any case , This article is for reference only , Not as any basis . The copyright of this article belongs to the publisher , Without authorization from Analysys , It is strictly prohibited to reprint 、 Reference or in any way use Analysys to analyze any content published . Any media authorized 、 When using the website or individual, the original text should be quoted and the source should be indicated , And the analysis point of view is based on the official content of Yiguan analysis , No form of deletion shall be made 、 Add 、 Splicing 、 deductive 、 Distortion, etc . Disputes over improper use , Yi Guan analysis does not assume any responsibility for this , And reserve the right to investigate the responsibility of the relevant subject .