Banks and insurance institutions are required to provide high-quality financial services for the financial needs of various groups (that is, new citizens) who come to live in cities and towns for self-employment, children's schooling, children's refuge, etc. in key areas such as entrepreneurship, employment, housing, education, medical care, and old-age care.

The "Xinyu Loan" exclusive loan product launched by Chongqing Three Gorges Bank is mainly used to meet the needs of new citizens to buy their own cars, large-scale durable consumer goods, family housing decoration, education and training, medical care, leisure travel and so on. It has the advantages of pure credit, fast approval and low interest rate. After the customer passes the new citizen authentication, he can apply for a loan in real time through the WeChat applet. Lend in 5 seconds at the earliest, borrow in 1 minute, and receive in 3 minutes. The annual interest rate is as low as 5%, and the longest loan period is 12 months, which can be recycled.