Sou Hu Cai Jing·2025-07-08 02:45Core Viewpoint - Postal Savings Bank of China (PSBC) is committed to enhancing consumer finance services to stimulate consumption, aligning with national policies and leveraging its strengths in both urban and rural markets [1][2][3] Group 1: Urban Market Strategy - PSBC adopts differentiated credit policies to support consumption demand in high-capacity cities, focusing on first-tier cities like Beijing, Shanghai, Guangzhou, and Shenzhen, as well as strong second-tier cities such as Hangzhou and Chengdu [2] - The bank aims to deepen customer relationships by addressing high-net-worth individuals' large consumption credit needs, particularly in housing [2] - PSBC is developing a nationwide consumer credit business model that leverages partnerships with leading enterprises to enhance marketing effectiveness [2] Group 2: Rural Market Potential - The bank recognizes the significant consumption potential in rural areas, supported by a vast network of nearly 40,000 outlets covering about 99% of counties [3] - In 2024, PSBC plans to issue over 100 billion yuan in personal consumption loans in rural areas, promoting financial inclusion and supporting new urbanization and rural revitalization [3] Group 3: Technological Empowerment - PSBC is enhancing its digital infrastructure to improve service quality and customer experience, including online loan applications and pre-approval features [4][6] - The bank is implementing a paperless loan process and integrating online property registration services to streamline customer interactions [4][6] Group 4: Comprehensive Service Development - PSBC is creating a one-stop consumer finance service platform to meet diverse customer needs, including home purchases, renovations, and vehicle financing [7] - The bank is leveraging big data to tailor credit offerings to individual customer profiles, enhancing accessibility to consumer credit [7] Group 5: Support for Military Personnel - PSBC is actively promoting financial services tailored for military personnel, including exclusive housing and vehicle loans, with over 1 billion yuan in loans issued to date [8] - The bank's initiatives aim to alleviate financial burdens on military families and foster a supportive community environment [8] Group 6: Financial Relief Measures - PSBC is refining its post-loan service system to provide financial relief for customers facing temporary economic difficulties, adjusting repayment plans based on individual circumstances [9] - The bank is focused on enhancing consumer confidence and willingness to borrow by offering flexible repayment options that align with income fluctuations [9]