Where is the road of financial digital reform?Zhejiang Banking Insurance Industry Four aspects to seek breakthroughs

Recently, the Digital Reform of the Zhejiang Banking Insurance Industry Digital Reform of the Zhejiang Banking Regulatory Bureau was held in Hangzhou and deployed digital reform -related work. The Zhejiang Banking Insurance Industry will further promote digital reform from the four aspects of consensus to seize opportunities, systematically consolidate capacity foundation, consolidate industry collaboration, and continue to accelerate cross -industry collaboration.

The Lynch of the Lili Banking Regulatory Supervision Bureau and some financial institutions have conducted digital reform experience exchanges.

Let the service match and the risk control "penetrate"

At the meeting, the national blockchain innovation application "blockchain+risk control management" demonstration project led by the Zhejiang Banking Insurance Bureau was introduced.

On the basis of approval nationwide, Zhejiang Banking Insurance Industry is actively promoting blockchain applications, strengthening industry coordination, strengthening risk control management capabilities through blockchain technology, preventing transaction fraud, breach of contract, and realizing government public data and government public data and government public data and Development and utilization of industry data. In the past, which was subject to various systems and technical levels, failed to cooperate to seek breakthroughs in improving risk control management capabilities.

"The banking insurance industry itself is an industry with a highly concentrated data. It has the natural advantages of digitalization, but also has the endogenous motivation for realizing financial services and financial needs in the new format. In the new round of scientific and technological revolution and industrial changes, the runway was squeezed into the runway. "The person in charge of the Zhejiang Banking Regulatory Bureau said that Zhejiang's financial digital reform was under the system structure of the digital reform" 1612 ". The guidance is based on the core demands of the enterprise and the stubborn illness of the development of the financial industry for a long time.

Through in -depth industry surveys, Zhejiang Bank Insurance Institutions draw a detailed list of major demand, multi -cross -scenario application list, and "three lists" of major reform lists, and build scenarios to comprehensively integrate. "At present, the financial services generated by 'information asymmetry'‘ difficult to connect ’, and the financial risks‘ prevention and control ”caused by data without penetration have achieved significant results.”

Through internal digital transformation, the acceleration process reconstruction and model innovation, financial digital innovation application mainly realizes the following four important changes:

"No contact service" under biometric technology. Some bank insurance institutions in Zhejiang have launched mobile loans and online claims by using biometrics, image recognition, and mobile Internet to enrich their customers without contact with identity recognition and certification.

Supply chain finance under blockchain technology. Some bank insurance institutions have applied blockchain technology to the upstream and downstream enterprises of the supply chain, exploring the application of financial services that are in line with Zhejiang industrial cluster and industrial chain, and support the development of all -chain enterprises in key areas.

Precise service "agriculture, rural areas" under remote sensing technology. Some bank insurance institutions apply satellite remote sensing, atmospheric sensors, soil sensors and other technologies to the field of agricultural credit and insurance, and obtain real -time data such as remote sensing images of large -growing crops and real -time data such as light sensing, light, fertilizer, temperature and humidity Accurate risk assessment support.

Intelligent risk control under big data technology. There are also some bank insurance institutions applied cloud computing and federal modeling to business review and review to achieve intelligent innovation of services.

For digital "paving the road and bridge"

The sharing and opening up of public data in Zhejiang Province, the infrastructure of the platform+the brain's infrastructure has taken the forefront of the country. Take this as an opportunity. Reform infrastructure. Taking the comprehensive financial service application of Zheli as the carrier, the two -way linkage of horizontal and vertical and vertical, and building a standardized and diversified scenario application ecosystem. With data sharing and applications as the core, big data support and intelligent support are provided to the financial industry.

Zhejiang is the only province that built the "Financial Special Library" for standardized public data for the financial industry. The topic library integrates the high value and dynamic data of 55 government departments. The Zhejiang Banking Insurance Regulatory Bureau gathers the best experts in the industry, developed 7305 quality inspection rules for 6 processes, and closely follow the financial business logic to build an indicator system. A caliber to ensure the use of the data in the library. The data entry data currently covers nearly 70%of the data demand for credit business, and bank insurance institutions do not need to process secondary processing. This application has been launched for less than 3 years, and the data has been called 230 million times, with an average daily calls of more than 500,000 times.

Zhejiang is also the only province to build a privacy modeling application in the industry's public modeling space and decision engine. Zhejiang's bank insurance institutions develop and use public data value in a "available invisible" manner, professional and independent design platforms, and use big data training models to jointly build. The gradual maturity of basic functions has created the basic conditions for the development of digital reforms in the financial industry. More than 20 bank insurance institutions have settled in a modeling platform to build 199 models, and are widely used in marketing, products, credit, management and other fields. According to preliminary statistics, these models have accurately issued a loan of 83.4 billion yuan to 229,000 households.

The Zhejiang Banking Insurance Regulatory Bureau recently issued the "Guiding Opinions of Digital Reform of Zhejiang Banking Insurance Industry Insurance Industry" and "The Notice of the Essentials of Digital Reform of Zhejiang Banking Insurance in 2022", which consolidated the foundation of financial digitalization: will formulate the evaluation of digital reform of the industry Indications, promote the height of digital reform, re -examine and sort out the internal architecture, and increase momentum for digital reform. Financial institutions have continuously exerted the productivity of internal data factors, stepped up the establishment of internal digital applications, and used the major application results of the existing digital reform to promote system transformation and process reshaping to improve internal synergy and total efficiency. Different from the construction of the internal information management system of the institution, digitalization is to deeply integrate customers, business, risks, and technologies to promote a strategic change from business logic and business models to management methods. "Considering the systemicity of a institution from strategic planning, organizational structure to management, evaluation system, incentive mechanism, and comprehensive digital management capabilities," said the person in charge of the Zhejiang Banking Insurance Bureau.

Cross -industry collaboration and efficient governance

In addition to continuously deepening industry cooperation, Zhejiang Bank's insurance industry has also accelerated the cross -industry collaboration of digital reform. The interoperability of government services and financial services, innovative business processes have emerged with a large number of multi -cross -collaborative scenarios, which can effectively help customers reduce time, reduce materials, reduce links, and improve the efficiency and accuracy of financial services. Effective path for financing expensive.

Today, the provincial financial comprehensive service platform and the Provincial Natural Resources Department's mortgage registration system has achieved collaboration. While borrowers apply for mortgage loans, they can go through mortgage registration procedures on the banking side. The province has cumulative more than 2.3 million pieces, shortening to an average of less than 5 hours. The Zhejiang Banking Insurance Regulatory Bureau recently united the Provincial Department of Housing and Urban -Rural Development to instead the "data running" instead of the "data running" through the "data running".

Form joint efforts to help the digital governance of finance. In terms of high -level governance finance ecology, Zhejiang first tried to explore the system collaboration of deep -level interaction. It is reported that Zhejiang is the only pilot province in the country in the country. It is also one of the first provinces for the application of regulatory big data platforms. It is an important experimental field for the digital construction of the CBRC. In addition, the application scenarios such as network -oriented registration and intellectual property pledge processing have greatly improved the efficiency of the industry. The time compression time of the mortgage registration processing of the real estate of the real estate is 70%compressed by the pledge time of intellectual property rights; A number of scenes such as financial services for new citizens are also stepping up.

Reporter Zhao Qi Correspondent Yang Zijun

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