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加大消费信贷支持力度 多措并举扩大服务消费
编者按:近日,商务部等9部门发布《关于扩大服务消费的若干政策措施》,提出五方面19条举措。其 中,在"加大消费信贷支持力度"方面提及"支持金融机构扩大服务消费领域信贷投放,加大对服务消费 领域经营主体信贷投放力度""支持金融机构针对服务消费经营主体特点和融资需求,创新开发特色金融 产品和服务"等举措,为金融助力扩大服务消费指明了方向。 农信系统如何助力服务消费?形成了哪些好的措施和做法?近日,《农村金融时报》记者走访浙江农信 系统多家农商银行,探寻地方金融主力军如何引金融活水,精准赋能地方消费新生态。 ■本报记者 田耿文 王爱静 个体工商户在服务消费市场供给端扮演着重要角色,但这类经营主体往往具有经营规模小、抗风险能力 弱、缺少抵押物等特点,常常面临"融资难、融资贵"的困境。对此,平湖农商银行立足"支农支小"定 位,深入市场走进商户,对接其资金需求,助力解决个体工商户融资难题,让消费市场供给端的活力不 断涌现。 该行还联合平湖市市场监督管理局建立"政银融合"服务体系,成立"个体工商户发展服务联盟",对 照"名特优新""放心消费商户"清单,根据企业经营发展特性,分型分类做好综合性金融服务。 为紧贴市民多元化的消 ...
填补保障缺口 险企竞逐“新市民”金融服务
Xin Hua Wang· 2025-08-12 06:27
Core Viewpoint - The term "new citizens" has become a hot topic in the financial sector, with regulatory bodies emphasizing the need for banks and insurance companies to innovate products and services tailored to the diverse needs of this group [1][2]. Group 1: Definition and Scope of New Citizens - New citizens refer to individuals who have moved to urban areas for reasons such as employment, education, or family, without local household registration or with less than three years of local registration, totaling approximately 300 million people [2]. - The financial needs of new citizens span key areas including entrepreneurship, employment, housing, education, healthcare, and retirement [2]. Group 2: Regulatory Initiatives - The China Banking and Insurance Regulatory Commission (CBIRC) and the People's Bank of China issued a notification to enhance financial services for new citizens, urging banks and insurance institutions to innovate products and improve service quality [2][3]. - Insurance is highlighted as a crucial component in addressing the needs of new citizens, with a focus on developing products that cover various aspects of their lives [2]. Group 3: Product Innovations by Insurance Companies - Insurance companies are actively developing tailored products for new citizens, such as employer liability insurance and accident insurance, to enhance employment security [4]. - Notable products include "Dianjiabao" by Ping An Property & Casualty, which provides coverage for business property losses and personal accident protection for employees and family members [4]. - Zhong An Insurance has introduced "Flexible Work Insurance" targeting gig economy workers, offering accident coverage and medical expense reimbursement [4]. Group 4: Challenges in Risk Control and Pricing - The diverse individual characteristics of new citizens pose higher demands on insurance companies regarding risk control and pricing capabilities [6]. - There is a noted lack of data on risks associated with new citizens, complicating pricing and risk management, which may lead to underwriting losses [6]. - Many new citizens have low insurance awareness and are reluctant to spend on commercial insurance, necessitating enhanced outreach and education efforts [6]. Group 5: Collaborative Efforts and Local Innovations - Local regulatory bodies are collaborating with insurance companies to create tailored products for new citizens, such as "Inclusive Medical Insurance" in Fujian and "New Citizen Loan" in Henan [7]. - These initiatives aim to provide low-threshold, high-compensation insurance products that meet the specific financial needs of new citizens [7].