Minsheng Bank has previously listed community finance and previous microfinance business as two small strategies of the company. The goal of community financial service stores is to form a convenient service network within the radius of 1.5 km.
1, development strategy
"Strong focus on the two small" is one of the important strategic positioning of Minsheng Bank.
The first "small" refers to "micro-finance", small enterprises and small merchants with loans of less than 5 million.
The second "small" refers to "community finance", and its main concept is a modern financial life circle of 1.5 square kilometers to 2 square kilometers jointly built by local governments to facilitate people's lives.
On the basis of financial supermarkets, Minsheng Bank will also provide a large number of value-added services.
2. Scale and service scope:
According to the plan, such financial convenience stores can not engage in over-the-counter cash business, but can develop customers to open electronic accounts in Minsheng Bank, purchase wealth management products and apply for loans. According to the data of Minsheng Bank in official website, the services provided by community finance mainly include "smart home card", "smart home loan" and "Minsheng Fund".
Smart card: In order to meet the financial service needs of community residents, Minsheng Bank has launched a magnetic stripe chip composite card-"smart card" which is tailored for community customers and has the function of integrating deposits and loans. Smart Card belongs to Minsheng UnionPay debit card, which not only has all the financial functions of Minsheng UnionPay debit card, but also has rich convenience services and a number of tangible preferential items: exclusive benefits, exclusive services and convenience solutions of Smart Card. Among them, the exclusive benefits include the first five deposits and withdrawals from ATMs in the same city, the first three deposits and withdrawals from different banks in the same month, personal online banking settlement fees, mobile banking settlement fees, inter-bank transfer through counter channels and IC card production fees. Exclusive services include exclusive financial management of Zhijia Card, priority application for "Zhijia Loan", free SMS notification and Qian Shengqian B financial management business; Convenient solutions include convenient payment of family living expenses (natural gas, property fees, mobile, China Unicom, telecom 24-hour self-service payment, etc.). ), exclusive discounts for national special merchants, mobile banking services, and smart card points redemption. Take the Minsheng Bank Community Smart Home Card and start your "Enjoy Life".
Smart home loan: Minsheng Bank launched credit cancellation for citizens to buy cars, decorate, travel and buy large consumer goods.
Charge loan "smart home loan" business. "Smart Home Loan" is a small consumer loan with a maximum amount of 500,000 yuan and a maximum term of no more than 3 years. Used for comprehensive consumption purposes of individuals and families. Citizens who have reached the age of 18 and have not reached the age of 60 at the expiration of the credit period can apply at any branch of Minsheng Bank with information such as their identity, marriage, work, income, residence, assets, business certificate and loan purpose. Banks will grant credit according to customers' credit status, income level and asset strength to meet personal and family consumption needs, and can lend money within three days at the earliest.
Minsheng Gold: Minsheng Bank launched the "Minsheng Gold" Zhijia series of physical yellow for customers of community financial convenience stores.
Gold products. "Minsheng Gold" is a physical gold product designed by China Minsheng Bank, with the logo of "China Minsheng Bank", and cast by a designated gold processing enterprise certified by Shanghai Gold Exchange or London Precious Metals Market Association, with a fineness of AU99.99. The series of physical gold products of "Minsheng Gold" are rich in variety and complete in specifications. According to the characteristics of the products, our bank divides the products into two series: "Smart Home is Rich" and "Smart Home is Fu Na".