High-quality party building promotes high-quality development of banks

A hundred years' journey is magnificent, and it will last forever after a hundred years. Under the requirements of high-quality economic and social development, how to give full play to the blood function of financial work and activate high-quality development has become a major issue facing financial institutions. In this context, all walks of life are competing for innovative services.

The industry believes that in the past few years, one of the biggest changes in the field of financial services entities is that, in addition to traditional financial institutions such as banks, consumer finance companies, as new financial institutions, have gradually developed into a deep-seated driving force for the sinking of financial services since the pilot, and handed over their own answers in broadening the economic boundaries of financial services entities.

Promoting equal consumption rights: practicing the development concept of * * *

The consumer finance industry has gone through nearly 1 1 year since the pilot, and has experienced the transformation from small to large, from extensive development to standardized management. After years of practice and development, the promotion of consumer finance to people's livelihood and entities is obvious to all.

In recent years, with the continuous promotion of policies and the rapid development of the Internet, China Bank's consumer finance has continuously improved customer coverage and popularity, effectively met the financial service needs of blue-collar, working-class and third-and fourth-tier cities, promoted consumption equality, and practiced the concept of * * * enjoyment development, which provided strong support for economic growth and employment promotion. Among them, inclusive products such as hospitality loan, pleasure loan, owner loan and salary loan enable borrowers to obtain corresponding financial services conveniently according to their personal characteristics and loan purposes, and solve consumer demand in a timely and effective manner.

According to the introduction of consumer finance of BOC, adhering to the concept of "building a high-quality consumer finance company in the new era", BOC has set up 27 regional centers, and its online and offline business covers about 400 cities and 900 counties across the country, greatly improving the coverage and availability of consumer financial services.

"With the development of big data, artificial intelligence and cloud computing, digital technology and financial services are accelerating integration. Relying on the application of new technologies such as consumption scenarios and big data, BOC is committed to accurate customer acquisition, precise risk control and precise operation. By creating a stable and advanced' new generation' consumer finance technology system, we will form a closed loop of scene marketing services for customers, live customers and residential customers, and inject technological elements into the entire business process and various fields to bring customers a faster and more efficient digital service experience. " China Bank Consumer Finance added.

Deepening the study of party history: consolidating the foundation of grass-roots party building

Taking inclusive finance as its own responsibility and constantly practicing the responsibility of state-owned licensed consumer finance companies is the development goal of BOC's consumer finance, which always adheres to the two-way integration of party building and operation.

In addition, BOC Consumer Finance has carried out a series of meaningful and distinctive celebration activities in combination with the actual situation, organized and prepared activities such as "Party Secretary's Lecture on Party Classes", revisiting the pledge of joining the Party, commending "Two Excellent and One First", visiting local revolutionary memorial halls and historical records halls, and holding a knowledge contest on party history, so as to guide cadres and employees to further enhance their political awareness. Love the party, patriotism and socialism, so as to better unite and promote the company's high quality.

Practicing Social Responsibility: Effectively Protecting Consumer Rights and Interests

It must be mentioned that the activation of the vitality of financial institutions by party building is not only reflected in the development of the main business, but also in the practice of social responsibility.

At present, the importance of protecting the rights and interests of financial consumers is increasingly prominent.

The Measures for the Implementation of the People's Bank of China on the Protection of Financial Consumers' Rights and Interests (Order No.5 of the People's Bank of China [2020], hereinafter referred to as the Measures) revised by the People's Bank of China has been officially implemented since last year 1 1. As the "top-level design" for the protection of financial consumers' rights and interests, the Measures are made public in inclusive finance.

After in-depth research, employees of BOC consumer financial institutions conducted on-site publicity in communities, elderly gathering parks, elderly activity centers and nursing homes near the business acceptance point, and answered questions and interacted on the spot around the knowledge of "personal information protection, telecom fraud, financial fraud and medical fraud" that are easily involved by elderly consumers, helping the elderly to continuously enhance their awareness of protection and safety. During the Consumer Rights Protection Education Publicity Week, more than 9900 online and offline publicity materials 19900 were released, and the total amount of online media publicity was 164 times, and the activities reached 475,600 consumers. According to media big data statistics, the average potential audience is about 37.099 million.

It is understood that in fulfilling social responsibilities, BOC Consumer Finance also introduced various profit-making policies to customers during the epidemic in 2020. According to the requirements of the People's Bank of China, China Banking Regulatory Commission and other five ministries and commissions, tens of thousands of customers and merchants affected by the epidemic and meeting the policy requirements were given measures such as delaying repayment and lowering interest rates. And give special support to Hubei consumers, set a grace period for them, without penalty interest, and arrange overdue payment reasonably.

Related questions and answers: