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On 1 september, the personal consumption loan discount policy was officially put into effect. How can “red packages” of interest be applied for, what are the concerns in applying for and using loans, and how can financial institutions better serve consumers? Journalists interviewed several banking offices。
How do you apply for a loan
You can apply on your cell phone and sign a discount supplement when the loan is used
"want to buy a new cell phone, but has it been a bit tight lately? On 1 september, at around 3 p. M., the client li nan-nam entered the beijing seonmen branch of the bank of guang dynasty, and the client manager met the demand。
“we have a loan product that fits your needs so that you can apply on your mobile phone easily, and you can enjoy the interest rate policy that just landed today.” it's on the phone。
Lee nan-nan has completed the approval of the scale under the guidance of the war snow. How will the next step be to enjoy the policy of discounts? “as long as an interest rate supplement is signed at the time the loan is withdrawn, it is sufficient to agree to authorize us to identify the transactional information of your account, without any additional operation.” according to the queen of war。
What is the policy “red package”? “small consumption of less than $50,000, which is folded over, is a maximum of $1,000 in the same lending institution.”
In the light of the above, the clients who have come to consult and conduct consumer loans today have a relatively high rate of consumption expenditure, such as car purchases and renovations. For the consumption of more than $50,000 a maximum of $50,000 is used to calculate the interest rate, which, when added up, is a maximum of $3,000 for the same lending institution。
Journalists have seen on some banking sites that the lobby has already introduced a consumer loan discount policy, some with staff dedicated to the policy. Some banks also work with electronics stores and refurbish them to inform consumers of the consumer loan discount policy at the respective consumer sites。
“in 1 per cent interest rate, fiscal expenditure per $10 billion would theoretically support the consumption demand of $1 trillion.” according to lin young-chi, banking analyst in the research department of china gold corporation, banking financial institutions need to strengthen policy advocacy and interpretation, disseminate information on their policies through multiple channels, such as the official network, mobile phone banks, app, micro-intelligence public numbers, internet points, and provide targeted counselling services to consumers。
How do you enjoy the discount
Guarantee that loan funds are used for real consumption and that payment modalities are required
"today, the phone has hardly stopped." as soon as the interest rate went online, many clients consulted and processed, many of whom were concerned about how, in addition to how to apply, the policy “red envelope” would be brought to hand。
“the application began on 1 september, but the real enjoyment of the interest rate was when the repayment was actually made.” in the words of the war, banks are mostly able to recognize the fact that, in order to be able to receive a “red package” of interest on repayments, the first is to guarantee that the loan is used for real consumption, while there are certain requirements as to the manner in which payments are to be made. But if the loan is removed and then consumed in cash, the bank will not be able to judge the use of the funds through the system and may not be able to benefit from the discount.” in addition, the transfer of consumer loans to individuals, including the payment of personal receipts by scavengers, and the use of credit cards, are not entitled to a discount。
What if consumers find out at the time of repayment that banks do not automatically identify consumer uses and do not enjoy the discount? A presentation by the relevant staff of the bank will be made on 5 september to open a manual examination channel for customers of consumer transaction vouchers, to upload consumer transaction vouchers on alert in the financial credit area of the bank's consumer loan, and to receive a discount after the system back-office review. The relevant staff of the bank, such as the bank, the middle line and the handing over, also indicated that they could go to the bank site to submit, for example, consumption invoices or online vouchers。
“we want the application to be smooth and received in a sense.” wars and snows describe repayments as sending a text message to borrowers indicating the amount of the interest rate specifically enjoyed, allowing consumers to take “red bags” in a clear and clear manner。
“the fall in interest rates is also a test of service capacity for banks.” the vice-president of the beijing branch of gwang dao bank, zhu zhu zhu, explained that the interest rate function must be accurately identified, whether it be small daily consumption by ordinary people or large consumption by priority areas。
The experts recommended that the “red package” should not be received blindly. “to apply for a consumer loan based on individual and family consumption needs and actual needs, it must not be applied at will because of high amounts and low interest rates, and the personal debt burden must be kept at a reasonable level.” according to the chief research officer, dong hsi-chwan, deputy director, shanghai financial and development laboratory。
How to optimize the experience
Upgrading of services and risk prevention, with discounts available to customers of consumer loan stock if they are eligible
In addition to intensive interest-rate policies, financial institutions continue to optimize services to enable more consumers to benefit from policy dividends。
The client, mr. Lin, is a consumer loan client of the bank's building stock and has not spent the loan funds since the start-up of the loan in july this year. Recently, mr. Lin came up with the idea of buying a car and called the client manager for advice on the possibility of receiving a discount. The client manager indicated that clients who had applied for a consumer loan had not exhausted their loan funds and that they were also entitled to a financial discount for real consumption on a consumer loan after 1 september。
Mr. Lin spent only a few minutes at the site of the bank, from the signing of the discount agreement to the disbursement of the loan funds to the payment of the loan to the account of the car dealer. It is understood that many banks have similar provisions for consumer loan clients。
The personal consumption loan discount policy, which has just been introduced, promotes maximum consumer benefits and strengthens risk control and compliance management so that the interest loan funds are actually used for consumption, and experts believe that it needs to be improved in practice。
“financial institutions shall further strengthen the monitoring of the use of loans and the flow of funds in the light of the accurate assessment of the repayment capacity of consumers, income, indebtedness, credit status, etc., to ensure that the loans in question are not diverted and that interest-rate funds are not leveraged.” in the view of dong xie-chul, the scientific and accurate nature of credit approvals must be enhanced, so as to reduce “multi-head lending” and over-trusting and protect legitimate consumer interests。
Daily people's journal (10th edition, 02. 09. 2025)
