How to build a complete small micro -service ecology through the bank app

Small and micro enterprises have difficulty financing and expensive financing. As a worldwide problem, they have received widespread attention for a long time. Where is it? The main lies in the "three highs and one high", that is, the cost of obtaining high customer, high risk control costs, high transaction costs, and lack of pledged property, etc., involving two aspects of trust and efficiency.

Fintech can just to a certain extent solve the problems such as trust and efficiency, and has become an important path to alleviate the financing problem of small and micro enterprises. Therefore, in recent years, domestic commercial banks have accelerated and deepened the application of fintech, focusing on the difficulty of financing of small and micro enterprises, actively changing and innovative service models, and accelerating the online and digitalization of small and micro financial services.

From the perspective of the service carrier, there are three main modes of the digitalization of small and micro -finance services: First, it is based on the launch of small and micro financial services relying on the Bank's mobile banking APP. Special edition; second, through WeChat Mini Program, public account, or with the help of API, H5 and other technologies, flexibly embed various types of social, e -commerce and other Internet platforms and scenarios for active customer acquisition, such as some small and medium -sized banks; the third is to develop and operate small and micro The exclusive APP of financial services, independent of the mobile banking of the Bank, provides targeted financial services and non -financial services for small and micro enterprises and small and micro enterprises. Of course, these three models do not reject each other and exist in isolation. Some national banks often "double -pronged" or even "three -pronged approach", comprehensively using a variety of online methods and digital platforms, and more comprehensively touching and serving small and micro enterprises.

However, there are three problems and deficiencies in commercial banks' mobile banking apps: first, the development of technology development and daily operations, after some app development is launched, there are few follow -up maintenance operations; the second is to register users with registered users. Light active users, there are fewer use scenarios, there are a large number of long -term "sleeping households", and there are few active users; the third is to heavy product deployment and light user experience. The interface is cumbersome, the operation is complicated, and the cost of learning is high. In short, most bank mobile banking APP user experience is relatively average and has not fully played.

In recent years, based on serving the real economy and social livelihood, the launch of small and micro -finance APPs, and building a small and micro financial service platform, are favored by more and more banks. From the perspective of application functions, number of users, and credit amounts, the most representative of the current banks are the construction banks as large banks, the Ping An Bank of the joint -stock bank, and the Weizhong Bank of Weizhong Bank as a digital bank.

1. Construction Bank "While and understand you" app. In September 2018, Construction Bank Innovation launched the "Understanding You" mobile app facing small and micro enterprises and individual industrial and commercial households, which greatly improved market touch and coverage capabilities, customer service efficiency, and customer self -service convenience. On the one hand, "Hui understands you" uses mobile phone terminals, uses mobile APPs and WeChat mini -programs as a service carrier, breaks through the physical space and time limit of the original bank's business, and guide customers to download loans to the Internet to achieve open service realization. No contact with 7*24 hours. On the other hand, pay attention to customer experience and realize a complete set of fast services. The functions of innovation and integration of online testing, reservation, shareholders' meeting, loan processing, progress inquiry, loan return and other functions are completed through one stop of a mobile phone. For example, for customers who do not open an account, you can make an appointment online, and the customer manager takes the initiative to come to docking; support the convening of online shareholders' meetings to review financing proposals anytime, anywhere, and solve the problem of long -term decision -making processes in the enterprise; Click on the relevant function module to apply for loans online. The data shows that the cumulative number of "benefit you" has exceeded 170 million times, the download volume exceeds 22.5 million times, and the credit customers exceed 1.65 million, and the credit amount exceeds 1.3 trillion yuan.

2. Ping An Bank "Ping An Digital Pocket" APP. In December 2020, Ping An Bank upgraded the "Pocket Finance" to the "Digital Pocket" APP to explore the formation of ecological operations with digital accounts as the core to provide comprehensive services for enterprise users, especially small and micro enterprises. On the one hand, one -stop financing services are provided. "Digital Pocket" integrates a variety of credit products, providing loan small tools such as intelligent matching, online measuring, loan calculators, etc. The services such as corporate user loan application, application progress query, repayment, remote face visa can be in "digital pockets" Completed, the whole process is online, the speed is fast, the threshold is low, and the operation is easy. It provides 7*24 online services. Enterprise users can handle business at any time. In addition to credit services, insurance services also provide insurance services. On the other hand, provide some targeted non -financial services. For example, through the service sector of the Ping An Salary Zone, it helps business operators to conduct salaries, attendance management, employee assessment, employee training, health sign -in, welfare distribution and other services, as well as cross -border digital certificate, digital division, travel reimbursement, equipment leasing and other cross -border cross -border Services; jointly launching Ping An Digital Pocket Legal Intelligence Tools, including intelligent Q & A, case retrieval, regulatory retrieval, and legal calculators to help enterprises better realize their compliance operations in accordance with the law.

3. "Weizhong Bank Enterprise Finance" APP. In September 2022, Weizhong Bank's "Weizhong Enterprise Aipu" APP was upgraded to the "Weizhong Bank Enterprise Finance" APP. As a service carrier of Weizhong Bank's financial brand, it aggregated its corporate financial full -link business service ecosystem The full product service, the core product "micro -industry loan" that solves the difficulty of small and micro enterprises' financing to the full closed loop of small and micro enterprises, including enterprises+wealth management, enterprise+insurance, enterprise+publicity and other services. With the deepening of the digital operation of enterprises, the understanding of the company's richer data resources on the corporate mobile banking APP, and serving the ecological expansion to the data asset application of the enterprise. Data show that the APP has already signed more than 2 million contracts in just three years, and the number of users is in the first echelon in the mobile banking of the same industry. Cumulative loan amount is nearly trillion. The above -mentioned small and micro financial exclusive APP has adopted a lot of targeted measures from the aspects of strengthening daily operations, stimulating active users, and enhancing user experience, creating unique value for users, more active users, and good user experience. Taking the "Weizhong Bank Enterprise Finance" APP as an example, not only provides credit services such as loans, but also starts to provide customized non -credit services such as enterprise insurance. Complete. In addition to financial services such as credit and insurance, the perspective of digital operations of small and micro enterprises has also shifted to the data accumulation of the enterprise itself. One of the highlights of this upgrade is its newly launched entrepreneurial "data storage box" service.

The "Data Storage Box" service first focuses on helping the enterprise's secure collection and custody of various data information. After the service is opened, under the principle of collecting legal and explicit consent under the authorization of the enterprise, it will automatically collect enterprises upload and use in Weizhong Enterprise financial services in financial services. All kinds of information such as business licenses, invoice contracts, transaction flows, and other types of information have accumulated data information for the security of the enterprise.

Starting with the service similar to the "data storage box", the APP is used as the carrier of digital operations. It will conveniently apply the data of the enterprise to the data of its own data, and to open the data into assets. It will open a new experience of corporate data management. In the future Help enterprises tap the potential value of their own data assets, explore the transformation of data accumulated by enterprises into corporate credit, transform into financial value, and custom services, help small and micro enterprises can also activate their own data asset value, promote business management and management Go to higher levels.

Therefore, small and micro -finance exclusive APP is not just a simple app. The essence of its essence, small and micro -finance exclusive app is a digital bank that is online and powerful at any time. By developing and operating APPs, building a more complete small and micro financial services ecology, providing one -stop and comprehensive services for small and micro enterprises to help alleviate the difficulty of financing for small and micro enterprises, and empower the digital operation of small and micro enterprises. The direction that is diligent.

At the moment of the accelerated development of industrial digital finance, small and micro -finance apps played an important role in serving small and micro enterprises and promoting industrial upgrading. The exploration and innovation of banks such as Construction Bank, Ping An Bank, Weizhong Bank and other banks have accumulated experience and provided demonstrations for the banking industry to improve the quality and efficiency of small and micro financial services through financial technology. Of course, for small and medium -sized banks with poor scientific and technological capabilities and small number of customers, the development and operation exclusive app is not the best choice. It should use the mobile banking app app as the mobile phone bank as the main position of digital small and micro financial services.

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