PSBC has actively responded to the decision-making and deployment of the Central Committee and the State Council on “six stability” and “six guarantees”, adhered to its strategic orientation of serving the three rural areas, urban residents and small and medium-sized enterprises, and continued to focus on the field of loans for small and micro enterprises, especially increasing the issuance of credit loans, achieving remarkable results. As of the end of June, the proportion of PSBC’s inclusive micro-loans in total loans was about 14%, ranking among the top in the state-owned banks, of which the new added proportion of credit loans in inclusive micro-loans reached 40%.
In order to achieve the goals of "increasing the volume, reducing the price, improving the quality, and expanding the coverage" of micro and small finance, Postal Savings Bank has taken a series of powerful measures. By accelerating the docking of three types of external data, namely, government big data, industrial chain, and channel diversion, integrating internal data, and optimizing the analysis model, it provides credit loan support for customers within the whitelist; designating some branch outlets as the promotion institutions of small and micro credit loans, carrying out special marketing activities; establishing a green channel for credit approval, delegating approval authority to the ***限度, and improving the efficiency of credit loan issuance. At the same time, Postal Savings Bank has innovatively launched two products, "Ultra-fast Loan" and "Micro and Small Easy Loan". "Ultra-fast Loan", as an online personal business loan product with independent risk control and self-scene, is based on "in-bank data + external data", adopts an automated risk control model, and achieves full-process online, which can achieve customer application in 3 minutes, system processing in 10 minutes, and 0 human intervention in the process. As of the end of June, the cumulative issuance has exceeded 130 billion yuan. "Micro and Small Easy Loan" comprehensively introduces external data such as tax, invoice, customs, and electricity, and innovatively launches online loan products for small and micro enterprise legal persons. The amount issued in the first half of the year reached 10.1 billion yuan, a year-on-year increase of 400%.