关于加强新市民金融服务工作对四川地区农村金融机构的影响分析

An analysis of the impact of strengthening financial services for new residents on rural financial institutions in Sichuan Province

2022年3月4日,银保监会、人民银行联合发布《关于加强新市民金融服务工作的通知》,新市民群体成为金融行业的宠儿,金融机构纷纷针对新市民的金融服务问题做出应对举措。四川农村地区金融机构作为当前服务新市民的主要金融机构,面临上至国有商业大行下沉掐尖,下至小贷、理财公司网上截客,竞争形势不容乐观。作者就四川地区农村金融机构针对新市民服务现状、存在的问题、同业竞争的态势以及面临的机遇与挑战进行了分析,并根据四川地区农村金融机构的优劣势提出应对举措,持续做好四川地区新市民金融服务工作。

March 4,2022,the banking and Insurance Regulatory Commission and the People′s Bank of China jointly issued the notice on strengthening the work of financial services for new citizens,and the new citizens group became the darling of the financial industry,financial institutions are responding to the financial services problems of new citizens.As the main financial institutions serving the new citizens,financial institutions in rural areas of Sichuan are facing serious competition from state-owned commercial banks to small loans and wealth management companies.The author makes an analysis of the present situation,existing problems,the situation of competition and the opportunities and challenges faced by the rural financial institutions in Sichuan,and according to the advantages and disadvantages of rural financial institutions in Sichuan proposed measures to continue to do a good job in financial services for new residents in Sichuan.