All businesses will achieve "no proof"
Beijing Provident Fund loan review shortened to three working days
A reporter from the Beijing Youth Daily learned that the Beijing Provident Fund Center has vigorously promoted the construction of smart provident funds. At present, nearly 80% of the service items have been completed on the basis of the whole process of online management.
The entire business processing of Beijing Provident Fund will usher in an era of "no certification". With the further streamlining of the 3 certifications of the canceled provident fund loan business, the "no certification required" full business processing process will benefit all provident fund services.
At the same time, all businesses in the Beijing Provident Fund Center are "without any fees" and "without any agency."
Loan business achieved "four reductions"
Focusing on streamlining loan service materials, optimizing loan review procedures, improving loan service levels, and preventing loan business risks, ten specific measures to optimize loan services are proposed (for details, please refer to the "Beijing Housing Provident Fund Management Center on Optimizing Housing Provident Fund Personal Housing Loan Services" Ten Specific Measures"), achieving the goals of "four reductions", "four preventions", "three fast", and "two increases" for provident fund loans, and the level of convenience services has reached a new level.
The "four minus" one is to reduce materials.
By enabling electronic certificate verification information, the borrower does not need to provide the three materials of ID card, household registration book and marriage certificate (divorce certificate).
Through the internal data verification of the provident fund center, the borrower no longer needs to provide the four materials of the repayment card, the down payment receipt, the seller’s real property certificate and the collection card.
The borrower's information can be verified through the electronic license. The new house loan application only needs to provide two materials of the house purchase contract and the down payment invoice, and the second-hand house loan application only requires one copy of the house purchase contract.
The second is to reduce the time limit.
The loan review time was shortened through process reengineering, and the guarantee review by the guarantee center and the loan review by the provident fund center were completed simultaneously. After the borrower's information was complete, the review time of the provident fund center was shortened from 9 working days to 3 working days.
The third is to reduce running.
The borrower no longer needs to contact the developer to obtain the "Certificate on Approval of Sales and Releasing Mortgage Rights" and the "Seller's Bank Account Opening Instructions", and no longer need to contact the developer to sign the "Certificate Collection Contract".
The fourth is to subtract signatures.
By enabling the borrower’s electronic signature and adjusting the loan contract, the number of borrowers’ signatures has been reduced.
Taking a couple’s application for a second-hand house loan as an example, the optimization can reduce 2 paper loan application form signatures and 4 loan contract signatures. The borrower only needs to sign the 4 loan contracts at the borrower and mortgagor and the number of signatures. Reduced from 36 to 16.
Intelligent self-service handling of 40 government affairs service items
In 2021, the Housing Provident Fund Center will strengthen cross-departmental and cross-regional information sharing and business coordination, continue to streamline and optimize the 42 government service processing procedures, increase the number of online completions to 34, reduce the processing materials to less than 33, and reduce the time limit for processing As of 23 days, the number of people running has been reduced to less than 0.19 times, which has improved the sense of gain of the corporate masses.
At the same time, in order to further facilitate the work of the corporate people and reduce the waiting time of the people in the business hall, the center has made great efforts to create a self-service business system and set up an intelligent service terminal in the business hall of the management department.
The intelligent service terminal integrates and uses technologies such as face recognition, big data, electronic signatures, electronic signatures, electronic certificates, electronic files, etc., to achieve paperless, automated, and intelligent rapid processing of various services: through "face-swiping" User login and risk prevention and control are implemented; business data verification and intelligent approval are realized through big data; electronic certificates are realized through electronic signatures and electronic signatures; some physical certificates required for business processing are replaced by electronic certificates.
In addition, the smart service terminal has reserved more expandable modules, including QR code scanning, remote pagers, online cameras, etc. These facilities will be used in the future to further expand smart services such as scanning payment, smart identification, and online support.
40 government service items such as house purchase withdrawal, rental withdrawal, provident fund loan application, monthly repayment adjustment, provident fund payment details query, loan details query, etc., can be handled on the smart service terminal by self-service, covering the center for units and individuals Government service matters.
Established nearly 50 types of customer portrait models
Personalized and accurate portraits were constructed for unit users and individual users, and a total of nearly 50 types of customer portrait models were established.
Intelligently identify users through the customer portrait model, realize "guess what business you want to do", and actively push different functions intelligently.
For example: customers who have handled withdrawals, customers without loans, retired customers, etc.
The business that customers are expected to do is displayed in a personalized menu, which is convenient for customers to handle quickly.
At present, the center has deployed intelligent service terminal equipment and put it into pilot use at 6 outlets including Dongcheng Management Department, Haidian Management Department, Chaoyang Management Department, Mentougou Management Department, Miyun Management Department and Loan Center. It is expected that the smart service terminal will be available next year Expand to all 18 management departments under the center in all districts and counties.
In the future, we will continue to improve the center's housing provident fund digital and smart service system, continue to optimize the service environment, and continue to launch smart provident fund services that benefit enterprises and people.
Text/Reporter Zhu Kaiyun