Bank of Zhengzhou: Strengthening five cloud linkages to promote digital transformation

Henan Daily client reporter Wang Yinan

In order to better serve the entities and alleviate the difficulties of financing difficulties for small and medium -sized enterprises, and expensive financing, Zhengzhou Bank has grasped the national strategic opportunities of "digital China", borrowed financial technology, embeds industrial scenarios, focused on industrial digital finance, and further promoted digital transformation. As a regional bank, Zhengzhou Bank adheres to the original intention of deep cultivation and supports the real economy. It continues to digitally empower the supply chain and logistics customer base through digital empowerment, and use digital technology to reduce costs and promote the high -quality development of the real economy.

Hug the digital economy and promote digital transformation

Combined with the current situation changes and their own characteristics, Zhengzhou Bank launched the "May 4th" strategy of retail "Four New Finance" and the "five clouds" linkage to the "five clouds". "Four New Finance" includes science and technology finance, small and micro enterprise park finance, citizen finance and rural finance, and the "five clouds" include cloud transactions, cloud financing, cloud business, cloud flow and cloud services. In -depth practice of the "May 4th" strategy, Zhengzhou Bank firmly chooses to embrace the digital economy and promote digital transformation.

Zhengzhou Bank focuses on industrial digital finance, integrates into digital China strategy, and takes advantage of the trend, changing traditional business expansion and risk management thinking, based on the industrial Internet, combines new ecology around production and integration, through the "five clouds" Internet platform, according to the "scene scene scene The business philosophy of thinking is to expand customers, platform -based thinking products, digital thinking strong risk control, ecological thinking promotion transactions ", comprehensively open up the transformation and upgrading of publicity, and provide full -process end -to -end comprehensive solutions for upstream and downstream enterprises in the industrial chain. Among them, the "Five Clouds" product system includes 5 major series and more than 30 sub -products, providing customers with comprehensive solutions such as financial management, supply chain finance, cross -border finance, and special customization services. As of the end of July, the "Five Clouds" system served more than 60,000 customers as a whole, providing funds for more than 25 billion yuan, set up big data risk control systems and visual view boards, and nearly 150 large group customers successfully connected the system.

Strengthen the five cloud linkage and empower the supply chain entity

Zhengzhou Bank strengthened five cloud linkage, centered on the needs of all -chain customers in the industrial chain, supported by digitalization, and differentiated financial services positioning and supply chain+digital "dual empowerment" as the development path to provide customers with "wealth wealth One -stop comprehensive financial services of asset management+scenario finance+supply chain finance+value -added services ", strongly support the development of advantageous industries and supply chain in Henan Province's regional economy, commerce and logistics, and achieve a strong chain.

Cloud material flow promotes the high -quality development of the supply chain of the logistics industry. Zhengzhou Bank has established a logistics industry chain financial online account settlement system and financing service system. Logistics scenarios, smart orders, freight payment multi -account repayment, repayment of principal and interest, freight payment and transportation contract amount registration management and other features, providing financing convenience for logistics companies, and successfully selected the country with "cloud logistics · freight payment" on behalf of the country. The Digital Transformation Partner Action of the Development and Reform Commission proposes the first batch of initiatives; at the same time, Zhengzhou Bank relies on the cloud logistics visual view board to promote the key breakthroughs of the 3A and above logistics customer base, the "four guarantee" white lists, to expand the scope of service radiation, and strive for the scope of service radiation. Be a regional logistics finance innovation vanguard. In terms of product use, in order to alleviate the cross -regional development dilemma of a logistics company, rely on "D+0 payment payment" to provide fund support; by adapting to the characteristics of the enterprise, with the help of specialized new loan products to empower a supply chain management company cold chain The development of logistics has carried out comprehensive, comprehensive investment and financing services for it, and helps them deepen supply chain management services. As of the end of July, there were 40 new logistics customers' credit cards during the year, and more than 6,600 new card cards were issued.

Yun Shangyun financing helps physical enterprises and upstream and downstream rescue difficulties. Zhengzhou Bank follows the trend of fintech application and is gradually building a big data risk control system of "online, automated, and scenario" to improve data risk control capabilities. On the basis of promoting the use of big data integration, Zhengzhou Bank Yunshang Platform 2.0 has been upgraded. Platform services are constantly developing to modular, component, plug -in, role -based, and multi -tenant. Competitiveness. Cloud financing realizes the online finance of full supply chain finance such as factoring, credit card, business tickets, and prepayment. At the same time, the efforts of scenarios finance, innovation has settled in specialty products such as Zheng Hao Pay and Medical Dingtong. Multiple means to relieve difficulties for many entity companies. Among them, Luohe Branch provided nearly 500 million yuan of funding support for a investment and development group through credit certificates, guarantees and other products; Zhongyuan Road Sub -branch used Yunshang Ding E letter to meet the capital needs of upstream and downstream customers through a core company. As of the end of July, Zhengzhou Bank's "cloud business" financing balance exceeded 7.5 billion yuan, and the "cloud financing" financing balance exceeded 21 billion yuan.

Cloud trading cloud service empower customer characteristic financial management solutions. In terms of cloud transactions, Zhengzhou Bank has opened up the PC -side enterprise online banking, mobile banking mobile banking APP, and public WeChat Financial Hall: the three major electronic channels of public WeChat Financial Hall, realizing the interconnection between electronic channels and continuously improving the customer experience. For public electronic channels, the exclusive products of small enterprise customers such as E -tax meling and E loan, and the functions of the Group's cash pools, cross -banking and other products have continued to optimize, and newly added public intelligent collection products. As of the end of July, Zhengzhou Bank has opened more than 70,000 public electronic channels. Banks and enterprises have successfully connected with nearly 150 large group customers in nearly 150 large groups. The cumulative issuing unit settlement card has nearly 6,000. The business volume exceeds 3 million strokes, and the transaction amount is nearly 8 trillion yuan. Among them, the Economic and Technological Development Zone Sub -branch continued to track and marketing a car sales enterprise, and successfully landed on the "Group Cash Pool+Bank -Enterprise Direct Corporation+Public Revenue Filter" business, which helped customers greatly improve financial efficiency. In terms of cloud services, relying on Zhengzhou Bank's business and financial WeChat public account and various scenario -based financial service platforms to provide customized financial and non -financial value -added services for physical customers; actively explore innovative scenarios financial business models, increase pre -sale housing funds supervision, right to right, right A number of scenario financial services such as public mobile QR code payment, cloud service scenarios have accumulated more than 270 financial projects, of which Zhumadian Branch fully serves a construction enterprise scenario financial business needs, and launches "migrant workers' wage supervision+bank -enterprise direct connection" business The amount of salary is nearly 400 million yuan, which is effective for providing supervision and guarantee for the payable payment of migrant workers. As a local trade logistics characteristic bank to serve Henan, Zhengzhou Bank continues to practice the original intention of service entities and small and micro enterprises through digital transformation. Digital transformation is the only way for banks to develop public business. The Bank of Zhengzhou will always keep "seeking mind", systematically promote the digital transformation and upgrading of the five cloud business, and rely on the "five cloud unified service platforms" to empower the entity; firm The "sense of responsibility", through the comprehensive service chain finance service to benefit upstream and downstream small and medium -sized enterprises, on the basis of creating its own competitiveness and comprehensively improving the service capabilities, comprehensively promote digital transformation, provide higher -quality digital financial services for the real economy, and provide a funds. Can achieve better and faster development by the "Dongfeng" of small and medium -sized enterprises on the development of the digital economy.

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