Taking the consumer loan of Industrial Bank Yinchuan Branch as an example, it is still possible to help inclusive finance serve and meet consumer demand.
"People's Insurance Co-operative Credit Consumption Loan" refers to a loan issued to borrowers who meet PICC credit consumption loan guarantee insurance conditions for their own and family daily consumption. When the borrower loans overdue meets the payment standard, PICC will pay the corresponding loan principal and interest in full.
On 20 18, the head office of industrial bank launched PICC cooperative credit consumption loan business. Yinchuan Branch of Industrial Bank actively docked with PICC Ningxia Branch and signed a comprehensive strategic cooperation agreement with PICC Ningxia Branch on August 20 18. Through the pre-system docking and testing, the bank successfully launched PICC credit consumer loan business from 2065438 to August 2008, and issued the first "PICC consumer loan".
In order to further enhance the customer experience and avoid customers going back and forth to handle business between banks and insurance companies, we constantly combed and optimized business processes, shortening the processing time of each business from the initial near 1 hour to 20 minutes, effectively improving customer satisfaction. At the beginning of 20 19, the "People's Insurance Consumer Loan" of Industrial Bank Yinchuan Branch started the "quantity on demand" model.
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Moreover, Yinchuan Branch of Industrial Bank has established online financial service channels such as online banking, telephone banking, mobile banking, WeChat banking and direct banking by improving online and offline financial products, and cooperated with Yinchuan Provident Fund Center to launch a new online business product of "Provident Fund Flash Loan".
Cooperate with Ningxia Zhong Yi Logistics to develop a smart green logistics platform to promote the development of smart green logistics. Yinchuan Branch of Industrial Bank will further broaden the loan varieties and pilot "PICC auto loan" to continuously meet the differentiated capital needs of customers.