The cumulative reduction and exemption payment fee of financial institutions in Shenzhen as of the first half of the year is more than 3.6 billion yuan

The 21st Century Economic Herald reporter Hu Tianzheng Shenzhen reported that the fees for reducing or reducing a few points to effectively reduce the payment cost and burden of small and micro enterprises and individual operators. In a greater macro sense, the reduction of the policy for profit is an important part of the financial service real economy.

Tarral reduction policies mainly cover many aspects of bank account services, RMB settlement, electronic banking, bank card credit card, payment account service, etc. Among them, mobile payment services are the highest frequency of public use and the most attention to small and medium -sized merchants.

Driven by the People's Bank of China Shenzhen Center Branch (hereinafter referred to as the People's Bank of China), 77 banks and 52 payment institutions in their jurisdiction were accurately landed.

The fee reduction policy focuses on basic payment services with high frequency and strong demands of fees, such as bank account services, transfer remittances, electronic banking, and bill business.

As of June 30, 2022, a total of 6.3 million small and micro enterprises, individual industrial and commercial households, and 20.6 million individuals with business behaviors with operating behavior were over 3.6 billion yuan.

Shenzhen People's Bank of China is the latest achievement under the policy of relief reduction. On June 25, 2021, the People's Bank of China, the Bank of China Association, the Development and Reform Commission, and the General Administration of Market Supervision jointly issued the "Notice on Reducing the Payment Fee of Small and Micro -Enterprises and Individual Industry and Commerce (Silver Hair (2021 ﹞ 169)". In addition, the China Payment Clearance Association and the China Banking Association have also jointly issued the "Proposal to Reduce the Payment Fee of Paying Small and Micro -Enterprises and Individual Industry and Commerce".

Following the principle of "should be reduced, and it should be exempted and exempted", commercial banks are actively using the "finance+technology" methods to alleviate the pressure on market entities such as small and micro enterprises and individual operators.

Zheng Yang, deputy general manager of the ICBC Shenzhen Branch Settlement and Cash Management Department, said that in the bank's commissioning information collection system, the legal person customers handle account opening and change customer information and other businesses. For total assets and other information, the system automatically identifies customer types, and provides fees to pay benefits based on the type of customer types when applying for business. It can automatically enjoy the corresponding fee reduction discount without the need for customers to apply for the initiative.

In addition, the ICBC Shenzhen Branch starts with the daily and most common payment settlement of small and micro enterprises, promotes digital transformation, drives through the "data+technology" driver to create an online and offline service system, providing small and micro customers with personal and precise bank finance Serve.

Ping An Bank is also continuing to deepen "finance+technology" in order to further implement the benefits to make benefits. Huang Zebing, deputy general manager of the Bank of Ping An Bank Shenzhen Branch Trading Banking Department, said that this has formulated an independent fee reduction project for mobile banking channels: that is, small and micro enterprises and individual industrial and commercial households conduct cross -bank and the bank's transfer remittance business through mobile banking channels , Full proceeds on handling fees.

"In terms of identity identification of small and micro enterprises, Ping An Bank uses technology to automatically complete the identification through the system and perform expenses." Huang Zebing added, and customers who failed to identify their identity also enjoyed the policy reduction policy.

Shenzhen Haijie Automation Co., Ltd. and its affiliated company Shenzhen Jingli Control Automation Technology Service Co., Ltd. is a beneficiary of Ping An Bank's first policy policy. Ke Jie, general manager of the company, said that he has traded more than 350 pens through mobile banking transactions in Ping An Bank, and enjoyed the transfer fee for all. If the transfer fee is 4 yuan/pen, it is estimated to save 5,600 yuan/year.

According to Liu Yukun, deputy general manager of China Merchants Bank Shenzhen Branch Trading Banking Department, the branch has now carried out a number of preferential and free measures for payment fees. For example, the bank opens a special channel for charity donation on the two electronic channels of the Enterprise Online Banking and Enterprise APP to allow the enterprise to exempt fees for donations. In addition, since September 30, 2021, China Merchants Bank has Promoting policies are implemented on multiple projects such as bill service fees and payment transfer, and the scope of preferentially expands to all public customers.

As of June 30, 2022, ICBC Shenzhen Branch benefited a total of 30,100 households such as small and micro enterprises and individual industrial and commercial households. The actual accumulated cost reduction was 70.59 million yuan.

In a total of 121 customers conducted a sample survey of small and micro enterprises and individual industrial and commercial households, 85.42%of customers expressed their understanding of the recently promoted small and micro enterprises to reduce the cost of reducing fees, and 90.63%of customers expressed satisfaction with the policy of reducing profit -making fees.

There are also third -party science and technology payment institutions in the reduction measures. "For business small and micro enterprises, payment services are one of the most useful services in their daily operations." Hou Jincun, assistant general manager of Tenpay Company, said that implementing the promotion of expenses and reducing money is conducive to continuous reduction of small and medium -sized enterprises and individuals. The operating costs of market entities such as industrial and commercial households, reduce operating pressure, inject vitality into small and micro enterprises, relieve difficulties for physical enterprises, thereby creating a good business environment and promoting reasonable economic recovery.

According to statistics, since the implementation of the policy last September to the end of June this year, the payment service fee of Tenpay Corporation has actually allowed the total amount of a total of about 3 billion yuan, and the cumulative small and medium -sized merchants have exceeded 20 million.

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