Money Moves

Fierce business environment calls for innovative niche positioning

by Charles Mak

This is a fortnightly series of articles focusing on the banking and financial industries

With the latest focus on providing services that cater to the financial needs of high-end customers, JCG Finance Company is hoping that its Supreme Cash Personal Loan and Executive Super Cash Personal Loan schemes will become a key part of its success.

"We face great competition and challenges every day," says Peter Chan, assistant general manager for business at JCG Finance. "In order to maintain a strong position in the business we must keep pushing the edge and generating new ideas and innovative services to meet our customers' needs."

The two personal loan schemes, under the "Low Interest & Prompt Payment Interest Bonus Rebate Plus" campaign which lasts until the end of this year, offer unprecedented interest rates as low as 0.28 per cent per month (flat) and a monthly instant interest bonus rebate of up to eight per cent to privileged customers.

To further enhance the attractiveness of the services on offer, to refinancing or fully repaid customers, shopping coupons of up to HK$1,000 will also be given for any transfer of outstanding balance of unsecured credit facilities to JCG.

Even though the economy has begun to show signs of relief, interest rates still haven't rebounded to a satisfactory level. However, as Mr Chan emphasises, with the company's history, reputation and a network of 40 branches in Hong Kong, JCG is capable of providing its customers with convenient and quality services.

"We are constantly on the lookout for business opportunities and opening up more branches to empower our business capabilities. In the long run, it all depends on the economic situation."

Taken from Career Times 03 September 2004, p. 2
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