破解新市民金融服务难点

Core Viewpoint - The joint notice issued by the China Banking and Insurance Regulatory Commission and the People's Bank of China aims to enhance financial services for new urban residents, addressing their financial needs in entrepreneurship and employment, and promoting equal and convenient financial services [1][2]. Group 1: Financial Needs of New Urban Residents - The term "new urban residents" refers to individuals who have moved to urban areas for reasons such as employment, education, or family reunification, totaling approximately 300 million people in China [1][2]. - This demographic faces various challenges, including housing, employment, education for children, and elder care, highlighting their significant role in economic and social development [1][2]. Group 2: Current Challenges in Financial Services - Despite innovations in financial products and services, new urban residents still encounter difficulties in accessing suitable financial services at reasonable prices due to their short residency and lack of effective collateral [2][3]. - Financial institutions struggle to accurately assess the creditworthiness of this group, as their financial needs are often small and dispersed, making it challenging to cover these needs cost-effectively [2][3]. Group 3: Proposed Measures for Improvement - The notice outlines 28 measures across nine areas to guide financial institutions in enhancing services for new urban residents, including credit support for entrepreneurship and housing needs [2][3]. - Financial institutions are encouraged to adopt a strategic approach to serve new urban residents, optimizing resource allocation and reducing fees associated with account opening, settlement, and guarantees [3][4]. Group 4: Role of Technology and Infrastructure - The use of digital technology is emphasized to improve the efficiency of inclusive financial services and reduce reliance on collateral [3][4]. - Experts suggest the establishment of a national credit information sharing platform and regional big data platforms to lower the costs for financial institutions serving new urban residents [4].