Industrial Consumer Finance: Realizing the Dream of a Better Life, New Yearning, Building a New Expectation for a Better Life

November 31 (Miao Lu, Wang Youle) In the beginning of the new journey of comprehensively building a socialist modern country, IB Consumer Finance resolutely implemented the "14th Five-Year Plan", committed to illuminating every corner of the beautiful life of thousands of households with financial power, and constantly realizing the people's new yearning and new expectations for a better life.

The reporter learned on the 28th that Industrial Consumer Finance launched a series of "family consumption loan" products to help customers cope with various unforeseen needs in life and achieve inter-period allocation of personal income. "Family consumption loan" is mainly used for personal and family consumption purposes in tourism, education, weddings, decoration and other fields, actually covering all aspects of family life, the product is in every detail, put yourself in the shoes of customers for a better life diversification, multi-level, multi-faceted needs, can allow customers not to rush for a while, not trapped in a matter, change the invisible good credit into a visible good life, truly solve customer worries, warm customer hearts.

Xingjia realizes the dream and re-establishes the business Product innovation has a temperature

Compared with the people's growing needs for a better life, traditional bank credit services can only meet the consumption needs of some people, and cannot cover a large number of low- and middle-income people, especially in the sinking market. As a regular financial institution approved by the Banking and Insurance Regulatory Commission, IB Consumer Finance is based on the living needs of long-tail customers, focusing on the life problems that customers are anxious and anxious about, and continuously launching inclusive financial product innovation with its own professional ability as the guarantee, and strives to help customers break through the constraints of limited resources, tide over economic difficulties at all stages of life, and gradually realize the ideal blueprint of a new yearning for a better life.

"Youth is like a fresh and lively cell in society." IB Consumer Finance has always paid attention to the growth and development of the country's new generation of forces, with warm financial services throughout, to protect the whole process of young people from "good school" to "good business".

In 2020, IB Consumer Finance launched the "Xingcai Plan" higher education loan product, as a supplement to the national student loan, for parents to apply, for their children to receive higher education, the maximum amount of 200,000, during the school period and within five years after graduation only need to repay interest, the term of up to 20 years, has helped 10,000 students to realize their dreams of colleges and universities.

At the same time, according to the guidelines of "poverty alleviation before aspirations", we will further deepen the new model of cooperation between banks and education, build an inspirational growth base for industrial consumer finance, provide internship opportunities and employment training for students with family economic difficulties, inject endogenous motivation and subjective initiative into the "cells" of the motherland, fully support rural revitalization, and contribute financial strength to a better life of greater prosperity.

In addition, IB Consumer Finance noted the rental problems and the pressure of continuing education faced by graduates and young white-collar workers who are working hard in big cities and are about to be employed, and launched the "Establishment Plan" to meet the new expectations of young people for a better life based in big cities.

Improving people's livelihood and well-being Financial services have attitudes

To build a well-off society in an all-round way and meet the people's new yearning for a better life, for the consumer finance industry, it is to popularize financial services to thousands of households and benefit the general public. All along, IB Consumer Finance has adhered to the principle of "sending loans to the door", accurately extending inclusive financial services to the majority of long-tail groups, and improving the availability and convenience of financial services. During the epidemic period, in order to fully meet the financing needs of the public, IB Consumer Finance further optimized its business processes, improved service quality and efficiency, and effectively guaranteed the financial speed of "lending in one day". At the same time, online platforms such as App and WeChat public accounts have provided "7 * 24" all-weather services during the epidemic period, smoothing business channels and customer complaint channels, and effectively helping customers achieve early childhood education, learning and teaching, housing and housing, and support for the weak with high-quality services, which better meets the diversified needs of customers for a better life.

In June 2021, the "Xingcai Plan" launched the "90-day unconditional loan refund" service for the first time. The loan can be refunded unconditionally within 90 days after approval and the interest will be refunded in full. This is the industry's licensed financial institutions have launched the longest cycle of unconditional loan refund policy, behind this sincere service, is IB Consumer Finance adhere to the customer-centric service concept, further consolidate the main responsibility of consumer rights and interests protection work, bear the capital and labor costs generated in the process of loan refund, so as to give customers ample time to make rational consumption decisions, comprehensively enhance customer sense of gain, happiness, security, and seek happiness for customers in the future long-term good life.

Inclusive financial services are a response to customers' new aspirations and expectations for a better life, and are also an inevitable requirement for the high-quality development of the consumer gold industry. IB Consumer Finance takes innovation as the starting point to do a good job of inclusiveness, takes into account the temperature and attitude of financial services, always takes the good life of customers as its mission, launches financial services that customers can use and have access to, improves people's livelihood and well-being, and shows the responsibility of inclusive finance on the road of promoting common prosperity of all people in the new era. (End)

Edit: Miao Lu