Introduction: Since the beginning of this year, Jiangsu Bank Suzhou Branch has insisted on promoting the transformation of its business philosophy from traditional credit “support” to all-round financial “service”, leaning down, working hard, gaining insight into customer needs, and empowering entity development.
Among them, in terms of technology empowerment and efficiency improvement, various digital platforms such as PatSnap, Qichacha, etc. are used to help customers expand, digitize the approval process, and digitize risk early warning, and realize the credit extension model from “passive credit extension” and “single credit extension” to “active credit extension”. The transformation of “credit extension” and “batch credit extension” shortens the approval time and improves the processing efficiency.
Reprinted from: Xinhua Daily
The report of the 20th National Congress of the Communist Party of China proposed to build a modern industrial system. Adhere to the focus of economic development on the real economy, promote new industrialization, and accelerate the construction of a manufacturing power, quality power, aerospace power, transportation power, network power, and digital China.
“After earnestly studying the report, we have become more determined to put financial services to the country and the people in the first place, and take the initiative to serve the real economy in a more prominent position!” said Jiang Xuezhong, Secretary of the Party Committee and President of Bank of Jiangsu Suzhou Branch. Focusing on the brand connotation of “Su Yinrong Party Building” of the head office, the branches adhere to the standard of “the fastest innovation speed, the highest decision-making efficiency, the best financing cost, and the best service attitude”, and attract more financial resources to accurately serve the development of the real economy.
Resonate with the same frequency of the times and integrate with the blood of the city. Since the beginning of this year, Jiangsu Bank Suzhou Branch has continuously optimized and innovative financial services based on the characteristics of Suzhou’s economic operation and development, and concentrated more financial resources on service industry innovation clusters and on the layout of the “new track” of the digital economy, and continued to consolidate financial and The good relationship of symbiosis and integration of the real economy will empower Suzhou’s industrial transformation while realizing its own high-quality development, and fully promote the high-quality economic and social development of Suzhou.
From “support” to “service”
A set of data looks at the improvement of financial concepts. Concepts determine the direction, and ideas determine the way out.
Since the beginning of this year, Jiangsu Bank Suzhou Branch has insisted on promoting the transformation of its business philosophy from traditional credit “support” to all-round financial “service”, leaning down, working hard, gaining insight into customer needs, and empowering entity development.
Groups of detailed data fully confirmed the improvement of the branch’s concept — —
Increase credit support to serve key industries. As of the end of September this year, the branch had invested 33.009 billion yuan in actual loans to large companies, with a net increase of 12.795 billion yuan; the balance of loans to private enterprises was 46.925 billion yuan, an increase of 6.571 billion yuan over the beginning of the year, a growth rate of 16.28%; the balance of manufacturing loans was 199.32 100 million yuan, an increase of 7.047 billion yuan compared with the beginning of the year, a growth rate of 54.69%; the green credit balance reached 18.918 billion yuan, an increase of 5.852 billion yuan compared with the beginning of the year, an increase of 45.68%. The branch signed a 10 billion strategic cooperation agreement with Shenghong Group and a 1.7 billion green advanced manufacturing project loan agreement with Hengli Group.
Develop financial innovation and serve small, medium and micro enterprises. For science and technology enterprises, branches actively innovated products and gave preferential resources to achieve a rapid breakthrough in the scale of loans to technology-based enterprises. As of the end of September, the loan balance of technology-based enterprises was 14.563 billion yuan, an increase of 5.249 billion yuan or 56.36% over the beginning of the year; the first-time Pratt & Whitney small and micro loan accounts were placed in 404, an increase of 167 over the same period last year.
Upgrade the online platform to serve talent enterprises. The branch deepened the talent service mechanism, gave full play to the role of the online financial platform, and comprehensively expanded the reach and cooperation coverage of talent enterprises with the help of “Su Yinjin Butler”, “Corporate Mobile Banking”, “Talent Treasure Box” and other products, and provided customers with 7 × 24 hours Non-stop financial services. By the end of September, the talent loan balance was 814 million yuan, an increase of 339 million yuan over the beginning of the year.
Whether it is serving the development of local key industries, or serving science and technology enterprises and talent companies, the branch will go all out to provide strong financial support for the development of the real economy with high-quality comprehensive financial services.
Change “loan” to “treasure”
A series of products to see the upgrade of innovation efficiency
As one of the core cities in the Yangtze River Delta, Suzhou is a hot spot for innovation with rapid cross-regional transformation of innovation achievements and multi-directional flow of factor resources. In order to actively respond to Suzhou’s strategic deployment of accelerating industrial digitization and digital industrialization, the branch provides an innovative special financial service “Zhi Shu Bao” for enterprises implementing intelligent transformation and digital transformation. Due to its advantages of fast approval, wide range of uses, high quota, long term, guaranteed guarantee, and excellent interest rate, “Zhishubao” has won unanimous praise from Suzhou enterprises. By the end of September, “Smart Digital Treasure” had served 106 “Smart Digital Transformation” enterprises in Suzhou, providing 6.85 billion yuan of credit.
Not only “Smart Number Treasures”, but also a number of “Treasures” series of innovative businesses such as “Yuanhebao”, “Yuanmengbao”, “Changlaibao” and “China Merchants Treasure”. For example, in order to solve the financing problems of scientific and technological enterprises, the bank actively explored the innovative investment and loan linkage business model. In March this year, after reaching a cooperation intention with Yuanhe Holdings, it only took 10 days to realize the first “Yuanhebao” product. The implementation of the company has effectively solved the “pain point” of financing difficulties for high-tech enterprises.
For another example, in order to comply with the development trend of digital finance, branches continue to accelerate the innovation of digital RMB scenarios. After learning about the demand for digital RMB loans from farmers in Feng Menglong Village, Xiangcheng, the country’s first digital RMB “Sannong” loan “Yuanmengbao” successfully landed in only 3 working days, realizing the digital renminbi in “Sannong” Expansion of scenarios in the lending sector.
From “support” to “lead”
Seeing the Butterfly Change of Technological Finance from Three Measures
“Jiangsu Bank’s new generation of electric bills solves the problem that we needed to change small bills when we received large bills in the past, or discounted the full amount to pay high financial costs. Now we don’t need to go to the bank. The benefits have brought us, which is really convenient!” The person in charge of a company in Suzhou sincerely praised the newly launched billing system of the branch. After the enterprise receives the bank note issued by the Bank of Jiangsu’s new-generation electronic ticket system, it only takes a few minutes to complete the split of the note and the payment of the small amount of goods, which reduces the tedious process of exchanging large notes for small notes in the past and saves money. time, saving the financial cost of the enterprise.
Behind the good reputation, the branch has always adhered to the technology-driven improvement of the quality and efficiency of financial services, and provided a steady stream of endogenous energy for innovative service enterprises.
Gather resources to build an organization. The Bank of Jiangsu specially set up a Smart Number Research Institute in Suzhou, gathering talents, R&D, and policy resources of the head office, focusing on the expansion of digital RMB scenarios and the bank-wide digital industry financial R&D, making every effort to create unique advantages and build a bank-wide innovation highland. Since the establishment of Zhishu Research Institute, the branch has landed the country’s first digital renminbi “Sannong” loan issued by a bank, realized the country’s first city commercial bank’s digital renminbi inter-provincial payment, and launched the industry’s first digital renminbi wealth management product… one by one The “first order” and “the first order” witnessed the financial innovation vitality of Jiangsu Bank Suzhou Branch.
Technology empowers and improves efficiency. Using various digital platforms such as PatSnap, Qichacha, etc., branches help customers expand, digitize approval process, and risk early warning, and realize the transformation of credit extension mode from “passive credit extension” and “single credit extension” to “active credit extension” and “batch credit extension”. Shorten approval time and improve processing efficiency.
Deepen linkage and strong service. Branches closely followed the deployment of the Head Office’s “Smart Finance Evolution Project”, continued to deepen the linkage between technology departments and business departments, accelerated the release of FinTech productivity, and shaped the second growth curve. With the help of a series of innovative online financial products, it provides “cloud services” without closing time; it strengthens the construction of scene platforms and service model innovation, and provides online financial innovations such as “kuaipaytong”, “e-financial payment” and “fulfillment treasure”. Business is a breakthrough, actively meet the needs of bulk commodity trade customers and group customers in the region for online financial services, and strive to provide enterprises with one-stop, multi-dimensional and comprehensive financial services covering the whole life cycle.
Stepping into the new era, Suzhou Branch will thoroughly study and implement the spirit of the 20th National Congress of the Communist Party of China. Further increase support for the real economy, continue intensive cultivation and ingenious operation, and unswervingly promote high-quality development to a new level!