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Introduction of special care card
1. The special care card is a chip debit card that has all the financial functions of ordinary bank debit cards. It is issued to retired soldiers, military families and other special care recipients and soldiers who are about to retire from active service (hereinafter referred to as special care recipients) according to the principle of "special card for special use and exclusive use", following the provisions of one person, four cards and classified account management.
By providing preferential, high-quality and preferential products and services, we can meet the needs of financial assets and various agreements, and meet the needs of retired soldiers and other entitled groups to pay retirement benefits and benefits when they retire.
Special care cards can be applied by individuals or handled in batches by the departments of veterans affairs at all levels (or the departments in charge of veterans affairs).
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Exclusive financial services
1. Exclusive discount service. Special care cards can enjoy free card issuing cost, annual fee, small account management fee, inter-bank transfer fee and inter-bank ATM withdrawal fee.
2. Mobile banking "with the army" regional service. For special care recipients, as the main channel platform of online service, it is convenient for inquiry and transaction, and realizes automatic login identification, accurate information push, product area purchase and exclusive service area; Open up online and offline to realize online booking and offline integrated services; Establish financial knowledge training courses, information channels and activity areas.
3. Priority service at outlets, and honorary preferential treatment for retired military personnel. According to the agreement between the bank and the Department of Veterans Affairs, business outlets should set up special windows to post priority signs for active servicemen and veterans in obvious positions, so as to open a green channel for customers with special care cards and provide priority services. Explore the establishment of an honor system for retired military personnel. For veterans who have won third-class merit or above during their service (other medals of honor will be considered when the follow-up conditions are ripe), the service star level will be raised to six stars and they will enjoy corresponding services and preferential treatment.
4. Telephone hotline and special manual service. Under the 95588-8 military hotline, a special service line for special care recipients was set up, and the "Retired Soldiers' Service Manual" was compiled and distributed, introducing the "special card exclusive" service, popularizing financial knowledge and common sense of preventing credit fraud.
5. Provide retirement fund services, distribute all kinds of retirement funds (including the second retirement fund) by relying on the special care card agent, provide fund inquiry in the "army-attached" area, and conduct targeted investment and financial management.
6. Military retirement insurance consulting services. In the "military" area, the transfer process of military retirement insurance benefits is displayed, which is convenient for inquiring about the handling of retirement insurance benefits and tracking the progress of pension insurance transfer.
7. Training support services. Assist veterans affairs management department to organize financial knowledge training to promote veterans' understanding of financial knowledge; Cooperate with large domestic employment training institutions (such as vocational and technical colleges) to carry out vocational education and skills training in a timely manner to improve the professional knowledge reserve and employability of retired soldiers.
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Exclusive financial products
8. Exclusive deposit innovative products. This paper introduces the innovative products of "military deposit", which are divided into two categories and four products. The initial deposit amount of 1 is 1 000, the term is three years, the interest rate rises by 40%, and the monthly interest is transferred to family account; No.2-No.4 are allocated exclusive quotas, and the initial deposit amounts are 5000 yuan, 1 10,000 yuan and 1 10,000 yuan respectively, and the interest rates are raised by 40%, 45% and 50% respectively.
9. Exclusive investment and wealth management products. We will launch the "Great Wall Series" exclusive wealth management products for retired soldiers with lower starting point and better income than ordinary customers, and explore the issuance of special products for retired soldiers with large one-time income or regular monthly retirement funds to meet the long-term investment needs of retired soldiers in a planned way.
10. Exclusive consumer credit products ("electronic loan" for veterans). For those who have a stable job and income after retirement, according to the requirements of the current credit policy, provide credit consumption loans with a maximum amount of 500,000 yuan and a maximum loan period of 3 years, and the interest rate is15% of the benchmark interest rate; Support one-time repayment of principal and interest on schedule, equal principal and interest and equal principal repayment; Support companies to apply in batches and individuals to apply at outlets. After passing, you can "one-click lending" in online banking and mobile banking, and receive the account in real time.
1 1. ICBC Military Soul Credit Card. You can enjoy free annual fee, 3-day tolerance, 10 yuan tolerance and free account security insurance after you apply for the card (you can get a gold card with a minimum of 1 0 yuan and a maximum of 30,000 yuan if you use the card successfully). You can also enjoy a series of activities such as point reward plan, travel courtesy and purchase right.
12. Personal housing loans and commercial loans for ex-servicemen. Under the premise of regulatory compliance, provide high-quality and efficient exclusive personal housing loans and entrepreneurial services for retired military personnel, including "four priorities" treatment (priority acceptance, priority handling, priority approval, priority issuance) and better repayment services (sending loan tips to borrowers, tips on insufficient balance of deduction accounts, overdue tips, etc.). ). For qualified veterans, we will provide personal real estate mortgage consumption and commercial portfolio loans with high loan amount, long loan term, favorable interest rate, convenient repayment and long cycle. Among them, for the purpose of operation, the interest rate of inclusive loans will be strictly implemented to help veterans start their own businesses. Military insurance "Veteran insurance". Provide four insurance products, including ICBC AXA Life Million Green Shield Pension, Fude Life Kangyi Critical Illness Insurance, Huaxia Ivy Lifelong Health Protection Plan, and Fude Life Evergreen Critical Illness Insurance, to meet the diverse needs of special care families.
14. Optimize fund products, meet the liquidity demand while maintaining and increasing the value of assets, provide A 1 smart fund investment and provide professional fund investment services; Combined with monthly regular funds, we will optimize low-risk fixed investment fund products to meet regular investment needs.
15. Intelligent security. According to their own risk tolerance, trading habits and life scenarios, the account switch can be set through the smart security guard products of mobile banking, which can meet the payment needs of various scenarios in different places, different times and different payment methods, and ensure the safety of large retirement funds traded and distributed in the account.
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Proprietary theme activities
16. Special events. We will launch exclusive financial products at important times such as the Spring Festival and retirement, carry out activities such as theme condolences, carry out corresponding financial knowledge training and employment knowledge lectures around retirement and role change, and launch special marketing activities such as home decoration, parenting education, sports and fitness.
17. Special e-procurement activities. In view of the special military-related time, we provide exclusive commodity sales activities with excellent quality and many discounts to meet the needs of military personnel to buy return air tickets, gifts and specialties and their daily life after retirement.
18. Non-financial activities. Combined with the unified planning and requirements of the veterans affairs management department, we will build online and offline application scenarios of special care cards and various non-financial concessions or convenience measures (such as credit card bus concessions, etc.). ) will be provided. Banks at all levels should carry out preferential activities such as tourism and scenic spot fares in light of local conditions.