Create a differentiated product system to meet the multi-level needs of customers.
"The whole installment application process is quite simple. The loan is reviewed quickly and the interest rate is quite affordable. You can use it wherever you buy home building materials, and the decoration is easy! " Looking at the newly renovated house, Mr. Zhang, a citizen of Changchun, smiled and praised the service of CCB.
Not long ago, Mr. Zhang's family was also facing the problem of insufficient decoration funds. Just after buying a house, they have to pay a large sum of decoration expenses at one time, which is a great burden.
After learning that CCB can handle the home improvement installment business, Mr. Zhang is like a long drought. After on-the-spot investigation before the loan, it was verified that the loan met the requirements, and Changchun High-tech Sub-branch of CCB lent him 6,543,800 yuan at the first time, which solved his urgent need.
In fact, this is only a small case in which CCB Jilin Branch has been deeply involved in the field of consumer credit and helped people realize their dream of living in peace. In recent years, based on meeting the needs of ordinary people for a better life, branches have continuously injected new impetus into consumption upgrading with "new services".
In addition, on the basis of fully meeting the consumer credit needs of residents, CCB Jilin Branch focused on customer segmentation and launched diversified credit card consumer credit products to meet the consumer credit needs of individuals and families at all stages and in all fields. At present, the credit card products of branches have covered many areas of people's livelihood consumption, such as automobiles, decoration, home appliances, department stores and so on. By satisfying users' demand for the richness and convenience of consumer credit products, users' wealth appreciation and utility maximization can be realized. By the end of 20021and 10, the branch had realized a cumulative installment transaction amount of 6.77 billion yuan.
Speeding up the construction of scene finance and improving the customer's card experience
Nowadays, the demand for consumer finance has surged, and scene finance has become the mainstream of the credit card industry. In recent years, CCB Jilin Branch has continuously accelerated the scene construction and channel layout, and created its own scene financial ecosystem.
Launch the "Jianxin Life" APP to create a one-stop life scene service platform under the Internet mode for customers. 165438+1October 9, the "Jianxin Life" APP was launched in the whole province, which integrated ten scenes such as food, take-away, recharge, taxi, movie performance and payment, and provided financial services such as credit cards and wallets, providing new choices and experiences for users' quality life.
It is understood that since the operation of the "Jianxin Life" platform, there have been more than 400,000 registered users and more than 2,000 settled merchants, and the construction of scenes with local characteristics of Jilin, such as catering, supermarkets, cultural tours, ice and snow, and automobile consumption, has achieved initial results. "CCB has brought tangible benefits and convenience to customers through this move, and it has also brought us more business." Chen Wenjie, financial director of Changchun Eurasia Commercial Chain, said at the launching ceremony of Jianxin Life APP.
Excavate the influential offline channel resources, select high-quality merchants, carry out channel scene marketing, and build a multi-scene, unbounded financial ecosystem integrating food, clothing, housing, transportation and entertainment, which has now covered cities in the province, covering shopping, food, travel, entertainment and other fields. Since the beginning of this year, the branch has actively created a brand of Longka that is easy to use, wants to use and loves to use. On the basis of landing the brand of "Longka Credit Card Discount 666" of the Head Office, a series of heavy activities have been launched successively, such as "Starting a Better Life", "Celebrating the Spring Festival on the Spot", "Happy May Day Go at Longka" and so on.