State -owned Bank's first direct banking bank opened, and Huihui Wanjia Bank insisted on the establishment of science and technology. IT personnel accounted for nearly 2/3

On July 4th, Capital State learned that on July 2, postal savings banks and post -Huiwan bank officers released the news. On June 30, the postal savings bank (601658.SH/01658.HK) wholly -owned holding The subsidiary of Zhaoying Wanjia Bank Co., Ltd. (hereinafter referred to as: Post -Huiwanjia Bank) held a opening launch meeting to announce the official opening and launching the first batch of products.

Public information shows that the registration time of the post -Huiwan bank is January 7, 2022, with a registered capital of 5 billion yuan. It is registered in Shanghai. It is the first batch of independent legal person direct -selling banks established in the state -owned bank.

At the opening ceremony, according to Liu Aili, chairman of China Post Group Co., Ltd., the Migrant Bank is the mission of "serving 'three, rural, farmers', helping small, and inclusive people". Establish advanced fintech and intelligent risk risk control capabilities, actively promote the integration of scene ecological collaboration with online and offline channels, and build a light smart bank, focusing on the four major business platforms of scenario finance, inclusive credit, public wealth, and digital rural villages.

Data show that as of the end of March 2022, the total assets of postal savings banks exceeded 13 trillion yuan; there were nearly 40,000 business outlets, of which 70%of the outlets were distributed below counties and counties; More than 400 million households are distributed below counties and counties.

The Post -Huiwan Bank will establish a collaborative development model with the postal group and the postal savings bank, relying on the coordinated advantages and financial technology empowerment, improving the efficiency of financial services, reducing the cost of financial services, increasing the supply of "agriculture, rural areas, and farmers", efficient and efficient, efficient and efficient, efficient and efficient Serve customers accurately.

According to Liang Shidong of the Express Wanjia Bank, at present, the Hyehui Wanjia Bank has built a technical system based on microservices and distributed ecosystems with digital banks. The first batch of products such as Sinochem's agricultural loan, wealth management supermarket, and digital bank card have been officially launched.

Among them, Sinochem's Agricultural Loan is a special product jointly created by the Post -Hui Wanjia Bank and Sinochem Group, which can provide customers with accurate financial support.

In addition, Zipai Wanjia Bank also launched a series of inclusive products around the "agriculture, rural areas, farmers" and small and micro customer groups, including the wealth management supermarkets facing county and sinking market customers. Another product provided by the industry chain dealers' "Sale and Loan" and so on.

According to reports, the 13 information systems that are based on science and technology to support the application and database distributed deployment of the 13 information systems that are put into production in the early stage of opening, and have flexible scalability. At the same time, Zipai Wanjia Bank has established a big data intelligent risk control system, and has completed the core capacity building of big data risk control systems such as decision engines.

At the same time, the bank follows the principle of sensitivity front desk, strong midfield, and simple background. As of now, more than 60 % of the employees of Zihui Wanjia Bank are science and technology or data personnel, and nearly 90 % have the background of the financial or technology industry. In response to the multi -business form, Zipai Wanjia Bank focuses on building a differentiated talent incentive mechanism, optimizing personnel development channels, and improving team enthusiasm, initiative and creativity.

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