The reporter learned from the Ningbo Market Supervision Bureau on April 27 that Ningbo issued the "Notice on Further Strengthening the Financial Services of individual industrial and commercial households", requiring to continue to play the role of digital empowerment, focus on the financing problem of individual industrial and commercial households, and "increasing the amount The goal of expanding, price reduction, and quality improvement ", strive to end at the end of 2025, the balance of operating loans of individual industrial and commercial households exceeds 120 billion yuan. Easily carry "refueling bags".
By promoting the application of digital technologies, it is the biggest highlight of this financial service without having to ask for people to seek people around, without running between banks and functional departments.
The "Notice" proposes to promote the use of "loan code".
Ningbo Market Supervision and Administration Bureau and the People’s Bank of China Ningbo Central Branch actively promoted the use of "loan codes" in the entire jurisdiction.
Individual industrial and commercial households scan the "code" into the financing application page. Just fill in the name of individual industrial and commercial households, the information of the personnel, the amount of loan, and select the authorized bank to complete the financing demand release. Serve. What should I do if individual industrial and commercial households lack mortgage assets? Credit loans supported by big data to help. Ningbo City will establish a coordination mechanism for the expansion department of individual industrial and commercial households to expand the department, and combine information such as the registration of market supervision departments, tax taxation, financial institution loans and other information to form a list of individual industrial and commercial households without loan households. Push to financial institutions. "With the precise portrait of individual industrial and commercial households, banks can gradually expand the coverage of financial product, improve the" credit evaluation+bank loan "financial service model, and form a positive inspiration for trustworthiness." Said market supervision professionals.
Various entities such as wholesale retail, accommodation catering, and residential services have the actual situation of "weak mortgage and weak guarantee". In this regard, Ningbo City will launch flexible and convenient credit loans through the combination of fintech and offline investigation to increase the proportion of credit loans.
For example, according to the list of consumer merchants with confidence in the market supervision department, banking institutions will come to the door in time to explore the construction of a "rest assured consumption+credit" model. Start the "entire circle" credit mode. Select 100 business agglomeration areas, professional markets, and vegetable markets with standardized management specifications and integrity operations, and organize banking institutions to carry out special actions for "hundreds and thousands" visits and docking. In the meantime, the "business district" operating management agency selected cooperative banks. The bank established a credit plan based on the actual operation of the "business district" and the relevant information of the individual industrial and commercial households in the circle, and carried out a "whole circle" of small credit and batch access. Credit method.
In addition, banking institutions will also "take the initiative" to implement outlets and customer managers according to the list of individual industrial and commercial households with no loan households, and visit households to meet the needs of financial services. (Responsible editor: Ai Yutao, Kang Mengqi) Share let more people see recommended reading.