Create a differentiated product system to meet the multi-level needs of customers.
"The whole installment application process is quite simple. The loan review is fast and the interest rate is quite affordable. You can buy home building materials everywhere, and the decoration can be easily done! " 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 also faced the problem of insufficient decoration funds. Just bought a house, they have to pay a large sum of money to decorate it at one time, which is a great burden.
After learning that CCB can handle the business of home improvement by stages, Mr. Zhang is like a long drought. After on-the-spot investigation before lending and verification that the loan met the requirements, Changchun High-tech Sub-branch of CCB lent him RMB 654.38+10,000 for 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 to help 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 demand of residents, CCB Jilin Branch launched diversified credit card consumer credit products with the focus on customer segmentation to meet the consumer credit demand of individuals and families in all stages and 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.
Accelerate the construction of scene finance and improve 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, China Construction Bank Jilin Branch has continuously accelerated the scene construction and channel layout to create its own scene financial ecosystem.
The "Jianxin Life" APP was launched to create a one-stop life scene service platform for customers under the Internet mode. 165438+1October 9, the "Jianxin Life" APP was launched in the whole province, integrating ten scenes such as food, take-away, recharge, taxi, movie performance and payment, and providing 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, more than 400,000 registered users and more than 2,000 merchants have settled in, and the construction of scenes with local characteristics such as restaurants, supermarkets, travel, 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 the brand of "Longka Credit Card, Discount 666" of the Head Office, a series of heavy activities such as "Start a Better Life", "Live Chinese New Year", "Have a Good Spring Festival in * *" and "Longka May Day Happy Go, Multiple Discounts" were successively launched.