In order to assist new citizens in "owning their own homes", Guangdong Industrial and Commercial Bank of China actively implements the policy of fully enjoying first home loans, refines and simplifies the credit process for new citizens. New citizens can obtain corresponding credit levels based on bank records, asset certificates, purchase and sales documents, college education information, and other supporting materials. In the first half of this year, a total of nearly 25 billion yuan of personal housing mortgage loans were issued to new citizens, with the first home accounting for more than 90%. ICBC Guangdong has increased the supply of value-added financial services for comfortable housing, cooperated with the government and decoration, household appliances and furniture enterprises to launch a series of preferential activities such as the issuance of comfortable housing Voucher, interest free installment of credit cards, and full or reduced consumption of credit cards, providing more than one million new citizens with 30 billion yuan of personal consumption credit support. In order to ensure that new citizens receive their income from work, Guangdong Industrial and Commercial Bank of China (ICBC) takes advantage of its leading advantages in financial technology. Firstly, it integrates government and financial data to establish a monitoring and warning platform to ensure that migrant workers' wages are paid on time. Currently, there are about 3000 enterprises that have opened a special account for supervising migrant workers' wages. Since the beginning of this year, ICBC has released nearly 15 billion yuan in migrant workers' wages. Secondly, relying on digital inclusivity to provide timely "oxygen and blood transfusion" for new citizen enterprises, we have provided over 35 billion yuan in inclusive loans to individual businesses, small and micro business owners, and other individual customers in the new citizen group through online financing products such as "e-offset fast loans", "business fast loans", "government procurement loans", and "digital supply chain" since the beginning of this year, providing convenient and high-quality financing services for their entrepreneurship and employment. To serve new citizens with a sense of security for the elderly, Guangdong Industrial and Commercial Bank of China actively serves the elderly care services and guarantees for residents in Guangdong region. According to reports, Guangdong Industrial and Commercial Bank of China has undertaken nearly half of the pension distribution business in the Guangdong region, providing residents with convenient services such as cross provincial social security card processing, automatic fund collection, and free withdrawal and transfer through remote ATMs. It also provides professional pension financial investment services, and has launched a special pension savings and "ICBC Wealth Management · Yixiang Antai" series of exclusive pension financial products in Guangzhou, To better meet the elderly care security needs of new citizens with long-term stable benefits. To promote the "fireworks" of new citizens living in Guangdong, Guangdong Industrial and Commercial Bank of China has launched two exclusive cards, the "ICBC New Citizen Card" and the "New Rui Card", for new citizens and college graduates. They have waived various fees such as ATM interbank withdrawal fees, production costs, annual fees, and small account management fees. Cardholders can also purchase exclusive deposits and wealth management products in the "New Citizen Home" section of ICBC mobile banking. On the other hand, we will spare no effort to protect the money bags of the new citizens, optimize basic financial services such as convenient account opening, and take the lead in achieving "precise interception" of fraudulent transactions through real-time monitoring methods in the province. In the first half of 2023, we will provide real-time warning and intercept nearly 9000 fraudulent transactions through the system, successfully intercepting over 100 million yuan of fraudulent funds. (Zheng Caixiong, Guangdong Reporter Station of China Daily)