Take the lead in exploring an effective path to build a new development pattern. Build a modern economic system with both characteristics and vitality.
Beijing’s "14th Five-Year Plan" construction of financial enterprises is promising
2021 is the beginning year of the "14th Five-Year Plan".
During the "14th Five-Year Plan" period, Beijing will take the lead in exploring effective ways to build a new development pattern and build a modern economic system with both characteristics and vitality. Finance is an indispensable "living water".
Vigorously develop digital finance, technology finance, green finance and inclusive finance; support various financial companies to grow bigger and stronger; develop global wealth management, etc. will be the blueprint of Beijing’s financial industry during the "14th Five-Year Plan" period, which will portray the majority of financial companies in Beijing A vast space for use.
In the first year of the "14th Five-Year Plan", many financial companies in Beijing are also preparing to serve the construction of the "two districts", providing ample financial services through digitalization and social welfare.
The "two districts" are responsible for the construction of major financial banks
Under the new development pattern, promoting reform and development through opening up, and making good use of the resources of the domestic and international markets is one of the basic ideas for the capital’s economic development.
Among them, the comprehensive promotion of the expansion and opening of the national service industry, the comprehensive demonstration zone and the construction of the "two zones" of the free trade pilot zone, is an important work for Beijing to promote high-quality development.
Financial companies, especially large state-owned banks, have a lot to do in the construction of Beijing's "two districts".
Taking the Beijing Branch of the Agricultural Bank of China as an example, at the end of 2020, the Beijing Branch of the Agricultural Bank of China unveiled the "Agricultural Bank of China Co., Ltd. Beijing Pilot Free Trade Zone Branch". This is the first since the State Council approved the establishment of the Beijing Pilot Free Trade Zone. Specialized banking institutions for trade business.
The newly established free trade pilot branch will undertake the pioneering task of the Agricultural Bank of China’s Beijing branch to innovate and promote the free trade policy. It will gather all aspects of the bank’s advantageous resources, including increasing credit allocation, expanding internal authorization, improving capital security, improving channel layout, Various support such as enriching the staff team and optimizing exclusive assessment.
The relevant person in charge of the Beijing Branch of the Agricultural Bank said that the pilot free trade zone will take the inauguration as an opportunity to build on the foundation of scientific and technological innovation and financial services, and will radiate the overall "two districts" construction services and increase financial product and service innovation , To promote the economic development of the capital with innovation of financial factors.
The Beijing Branch of the Bank of Communications responded as soon as the "two districts" plan was released, and the branch party committee has repeatedly studied and deployed the implementation of the "two districts" work.
The bank has proposed a number of measures, including the establishment of a leading group supporting the construction of the "two districts", with the leader of the bank as the group leader, fully responsible for the organization and promotion of the "two districts" business, and setting up multiple working groups to be responsible for the advancement of specific matters. The "Two Districts" work is implemented as an important strategic promotion work.
It also includes strengthening the docking work with the government and enterprises, closely communicating the business needs of all parties, and actively providing assistance in market research, policy formulation, system construction, and enterprise entry; improving channel construction according to business needs, and coordinating the establishment of business in the free trade zone Institutions, accelerate the optimization of their own platform systems in accordance with the innovation policy, etc.
Recently, the Beijing Branch of Bank of Communications also held a cross-border RMB business policy briefing to promote the various benefits and conveniences of the free trade zone to enterprises.
Innovation leads digital finance more convenient
During the "14th Five-Year Plan" period, Beijing will vigorously support the development of digital finance and inclusive finance. On the one hand, this is the correct path for the development of modern finance. On the other hand, it will also bring more convenient and better financial services to the public.
The Beijing branch of Industrial Bank is committed to technology finance and optimizes platform construction according to customer needs. In July 2020, the city service function will be launched to provide customers with a more diverse and open one-stop local service platform.
The platform uses LBS technology to provide Beijing city service portals for customers in the Beijing area, including a variety of financial business functions and local exclusive services.
It provides financial service functions including mobile phone recharge, water, electricity and gas payment, second-class account opening, and overseas finance.
At present, the Beijing branch of Industrial Bank has established a one-stop online financial service platform integrating online banking, mobile banking, direct banking, WeChat banking, and SMS banking, breaking through time and space constraints and providing customers with all-weather, convenient and safe online financial services.
The insurance technology platform of Easy Group, Easy Baoyanxuan, is the first in the industry to apply blockchain technology to the health protection industry, opening up front-end channels, mid-end underwriting, claims and back-end reinsurance in real time, giving Internet insurance high efficiency and transparency Equal potential to provide users with insurance products with more categories and more flexible payment methods.
Another insurance technology company, Water Drop Company, has built an insurance protection ecosystem to serve users and companies in the insurance industry.
Up to now, the open platform of Waterdrop Insurance Mall has launched in-depth cooperation with dozens of insurance companies and more than 300 institutions to jointly build a health insurance protection ecosystem and bring better insurance purchase and claims service experience to the public.
Through the establishment of an intelligent financial technology cloud platform, BOC Consumer Finance has formed a comprehensive support for accurate customer acquisition, accurate risk control, intelligent approval, and intelligent collection, covering the entire process of pre-loan, in-loan and post-loan services, providing customers with the most inclusive benefits Financial services.
Through the integrated operation platform of "online and offline integration, finance and technology integration", BOC Consumer Finance serves eight sub-scenarios such as education, consumption, housing, medical care, tourism, pension, operation, and agriculture, satisfying the general needs Facilitate customers' needs for small consumer credit in the entire life cycle of schooling, employment, renting, shopping, weddings, etc.
At present, the Bank of China Consumer Finance has served nearly 40 million customers, and the demand for service consumption financing has reached nearly 200 billion yuan.
As one of the earliest licensed consumer finance institutions in China, Home Credit Consumer Finance Co., Ltd. started the digital transformation with financial technology as the core.
By building an omni-channel financial service platform that deeply integrates online and offline, Home Credit allows consumers to use Home Credit Financial APP, a mobile terminal interface, in different consumption scenarios such as in Home Credit partner stores or online JieXuan malls. To enjoy high-quality consumer credit services.
On the day of Double Eleven in 2020, the sales of Jiexuan Mall increased by 250% compared with normal days.
In addition, some To B financial companies have also actively integrated into the construction of Beijing's financial technology to contribute to the "Tech Beijing".
As one of the world's largest clearing institutions, the Netlink platform vigorously promotes the expansion of financial technology scenarios with mobile payment as the core, and fully integrates into residents' lives and daily needs.
The Net Union Company integrates the payment service capabilities of the payment market entities with the technological capabilities of the Net Union platform, which can effectively increase the convenience of payment for various public utilities and stimulate the potential for service enhancement of many public utility service units in Beijing.
Tongdun Technology assists commercial banks in digital transformation through intelligent analysis and decision-making capabilities, improves data risk control and customer acquisition effects for commercial banks, and enhances commercial banks' ability to serve customers.
Anti-epidemic and poverty alleviation inclusive finance has temperature
Financial enterprises are naturally social enterprises. On the one hand, financial services are a basic service; on the other hand, a large number of financial enterprises have continued to develop public welfare activities and participate in activities that highlight social responsibilities such as poverty alleviation and anti-epidemic activities.
During the 2020 epidemic, Ease Health opened a free online consultation service under Ease Health to guide the residents of the capital to receive scientific consultation and medical treatment.
Easily protect and choose to give guardian insurance to first-line medical staff and their relatives who participated in the fight against the epidemic in public hospitals or higher-level public hospitals or medical institutions designated by the Health and Health Commission. .
During the epidemic prevention period, employees of Fude Life Insurance Beijing Branch voluntarily donated funds to raise materials and donated medical goggles, masks and other protective materials worth nearly 200,000 yuan to medical workers and volunteers.
Fude Life Life Beijing Branch has invested in public welfare for a long time. Since March 2017, the "Little Dolphin Project" of the company has been deeply involved in public welfare, rooted in the brand, and empowering children.
For many years, Fude Life Insurance Beijing Branch has cooperated with Yanjing Little Swan Migrant Children School, Chaoyang Ziqiang Experimental School, Fangshan Hope School, Tongzhou Jiaying Primary School, Daxing Love Hope School, etc. to practice public welfare undertakings, and help migrant children spiritually and materially. The school has donated insurance with a total value of nearly 40 million yuan and nearly 300,000 yuan in materials.
The Beijing branch of Industrial Bank has played a role in fighting the epidemic through specific businesses.
During the epidemic, the Beijing branch of Industrial Bank opened a green channel for financial services to pharmaceutical companies and institutions within its jurisdiction that carried out epidemic prevention and control, and proactively gave credit and financing policies.
For industries such as wholesale and retail, accommodation and catering, logistics and transportation, and cultural tourism, which are more affected by the epidemic, the Beijing branch of the Industrial Bank has actively taken measures to relieve the difficulties.
As the leader of the domestic catering industry, Haidilao has suffered from the impact of the epidemic on its daily operations, and its cash flow has been tightening.
After the bank was informed, it opened up a green channel in accordance with the principle of special affairs and special affairs, conducted a quick online review, gave it a liquidity loan of 50 million yuan, and discounted 50 million yuan through a commercial acceptance bill, extending the credit support to the seabed Many private small and medium-sized enterprises in the upper reaches of the fishing supply received all the funds on the same day, and reduced financing costs for the enterprise at a price lower than the market interest rate.
At the beginning of the outbreak, Home Credit immediately coordinated global resources and urgently purchased medical protective materials. In the early morning of February 8, 2020, a total of 4.5 tons of scarce medical protective materials will be donated by Home Credit and Shudian Biotechnology Company, which belongs to the PPF Group. After arriving in China, he subsequently donated RMB 1 million to the Hubei Provincial Charity Federation to fight the epidemic.
By empowering the digital transformation of partners, Home Credit's "Jie Shanghui" cloud interactive platform has helped offline merchants to resume work and production in a timely manner, benefiting more than 2,000 small and micro enterprises.
Gitzo creatively uses online video conferencing to open "online financial caravans" and "cloud classrooms", so that the popularization of financial knowledge is not limited by time and space.
With the improvement of the epidemic prevention and control situation, Home Credit has brought more thematic financial classes to schools, factories and communities, and has sent public welfare lectures to rural fields in Hefei, Anhui, Jinan, Shandong, Nanjing, Jiangsu, and Zhengzhou, Henan. Around the working youth.
During the "14th Five-Year Plan" period, the capital's high-quality development and the realization of economic stability and long-term economic growth are inseparable from the development and growth of the financial industry; the improvement of residents' happiness is inseparable from readily available financial services.
Financial companies will also be able to become bigger and stronger on the road of digital, technological, green, and inclusive, and further serve the real economy and the needs of the public.