The "bright" achievement of the Bank of Communications deepened the fintech innovation service and trade conference

The Bank of Communications focuses on promoting business strategy, creating a digital business system, and continuously improving customer experience, strengthening the leading role of science and technology, and accelerating the construction of new digital banks. In -depth docking of various ecological scenarios continued to make efforts, layout in service scenarios such as medical care, transportation, education, government affairs, trade, etc., and launching integrated financial service solutions and a series of innovative products. Many of the key products have recently been in service trade. Show at the meeting.

The "one thing" project of medical payment is a benchmark project for digital transformation of the Bank of Communications. Keywords such as "credit medical treatment, non -sensing payment, not queuing, less round -trip" and other keywords, crack the "three long and one short" problem for medical treatment. The "Huimin Medical" that focused on the service meeting was such a credit medical product of "seeing a doctor first and paying". It has been launched in more than 30 cities such as Shanghai, Dalian, Nanjing, and Guangzhou. This product has significant advantages such as "minimalist application, inclusive public, sufficient guarantee, first use and then repay, pricing discounts, relative sharing, and special management". Taking Shanghai as an example, the insurers who are 18 years of age can apply, and the signing and use channels include "applying with the application" and medical institution apps, public accounts and small programs; More than 95%, and no applicant is required to open the Bank of Communications account; after approval, you can get a special amount of medical treatment for not less than 5,000 yuan, set a separate preferential interest rate, far lower than traditional credit products such as credit cards, and provide up to 59 days to avoid 59 days. Interest; provide a "family payment" function, support family members sharing quota, care for the elderly and children with inconvenient medical treatment and low levels of informatization.

In the integrated exhibition area of ​​the FCCPC, many audiences stop at the "Cloud Bank of Communications". It is reported that the innovative application of audio and video technologies of the Bank of China Communications Bank of Communications Express grass -roots outlet operation services. When the customer encounters the situation of the epidemic, there is no local Bank of Communications outlets, and you cannot return to China to handle business overseas. "Cloud Bank of Communications" and staff video connection remotely handle various financial businesses. This channel turns the "face -to -face" of the physical outlets into the "screen -to -screen" and "line connection" of the Cloud Bank of Communications, which solves the disadvantages that the mobile banking cannot face the communication, the counter service cannot break through the regional and time limit, and effectively extend the finance. Service tentacles, customers can enjoy safe and convenient services without leaving home. At present, it has launched functions such as discly debit card loss, customer information modification, risk assessment, and application for public capital certification.

The Bank of China can improve customer experience through science and technology, innovatively designing the combination model of "electronic business license+electronic seal", and directly connected the enterprise registration process and bank account opening process to open a digital call opening in one step in place. The process is convenient, safe and efficient. This model can replace the artificial collection process of the basic information data of more than 10 enterprises under the traditional way, eliminating the printing chapters of multiple information such as application forms and authorization books, and simplifying the information entry and review of the customer after the cabinet. Fill in the operational risks of online entry offline, effectively saving the invisible costs operated by enterprises such as paper, labor, and time. In the pilot work of the Beijing Electronic Seal Application, the Beijing Bank of Communications has always charged, and took the lead in achieving the Beijing's first application electronic seal bank account in the Pilot Free Trade Zone Sub -branch, forming a good demonstration effect in helping optimize the business environment.

The Bank of Communications will continue to reshape the process, optimize mechanism, and innovation system with digital thinking, establish and improve business business models driven by data, accurately connect with the needs of the real economy and the people's diversified needs, and provide the public with better products and services.

[Responsible editor: Gao Chang]

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