Postal Savings Bank of China Luohe Suburban Branch Deepens Inclusive Finance, Providing Precise Services to the Real Economy

Source: Global Times

Recently, the Postal Savings Bank of China’s Luohe Suburb Branch has focused on the financing pain points and difficulties faced by various business entities. It has carefully organized credit customer managers to go down to the front line of service. With three measures—door-to-door visits, processing loans on site, and precise targeting of funds—it delivers high-quality and efficient financial services precisely into the hands of enterprises and merchants, using “fresh financial capital” to deliver targeted irrigation to the real economy.

It is understood that the branch promptly organized all credit customer managers to carry out visits and preliminary investigations. Bringing inclusive finance policy documents, dedicated financial service plans, and distinctive credit products tailored to the business needs of small and micro merchants, they went deep into the streets, alleys, and various shopfronts within its jurisdiction. They established precise matches with, and responded to, the financing needs of different small and micro merchants, providing efficient, convenient, and considerate financial services.

During the visit process, the branch’s customer managers, in view of the operational characteristics of different merchants, accurately promoted credit products with strong suitability, such as industrial loans and fast loans. With easy-to-understand and plain language, they provided detailed explanations of the core advantages of the products: “pure credit, no collateral, fast approval, and favorable interest rates.” They patiently answered merchants’ questions regarding loan amounts, repayment methods, and processing procedures, effectively dispelling merchants’ concerns about “difficult to obtain loans” and “cumbersome procedures.”

For some merchants who are unfamiliar with online operation procedures, the customer managers adopted a hands-on guidance approach. They assisted merchants in submitting loan applications, and with the help of mobile business development equipment, completed end-to-end business processing in one stop, including information verification, on-site due diligence, and loan approval. This significantly reduced the loan processing timeline and effectively enhanced merchants’ service experience and satisfaction.

As introduced, as a state-owned large bank with inclusive finance “genes,” the Postal Savings Bank of China’s Luohe Suburb Branch has always adhered to the service philosophy of “customer first.” It has continued to shift the focus of service downward, optimize business processing workflows, and innovate financial service models, so that inclusive finance can benefit more business entities.

As of now, the branch has cumulatively issued nearly 200 million yuan in inclusive loans. With credit funds allocated through precise targeting and financial services that are considerate and thorough, it has effectively eased financing difficulties for various business entities, helped bolster confidence in market development, and fully demonstrated the good spirit of Postal Savings employees in proactive service and practical responsibility.

In the next step, the branch will continue to rely on policy dividends, further deepen the door-to-door service model, optimize the product system, and improve service effectiveness. It will accurately connect with the diversified financing needs of market entities, keep channels for financial services to the real economy open, and help the “fresh financial capital” better nourish the fertile ground for local economic development, supporting the high-quality development of the local economy.

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