Guangdong Branch of China Construction Bank： Promoting the transformation of digital services in a three-dimensional way and doing a good job in digital finance
In the dining hall of Liannan Yao Autonomous County, Qingyuan City, Guangdong Province, students are brushing their faces and taking meals through the newly launched intelligent system. The "Smart Dining Hall" project has solved the problem of long queues in the past peak dining hours and has been welcomed by teachers and students.
Behind this is the latest application of the closed-loop scenario of financial technology ecology. Relying on the customization function of China Construction Bank’s "CCB Life" platform, Qingyuan Branch of CCB has solved the pain and difficulty problems such as campus convenient payment, background statistical reports and process optimization, and used the latest digital achievements from the consumer end to the management end.
The Central Financial Work Conference proposed to do a good job in "five major articles" on technology and finance, green finance, inclusive finance, pension finance and digital finance. Digital finance with dual attributes of finance and science and technology will promote the network sharing, intensive integration and accurate matching of the financial industry’s factor resources, promote the integration of the digital economy and the real economy, better deepen the supply-side structural reform, and promote the continuous transformation of old and new kinetic energy. In recent years, Guangdong Branch of CCB has deeply embedded the whole chain service scenarios of government, enterprises and individuals in Guangdong through digital operation layout, and continuously broadened the thickness and breadth of "digital finance".
Link the digital government platform to help public services "reach with one click"
At present, digital government accelerates the expansion of digital economy into people’s livelihood and brings more convenient and accessible public services to the masses. Digital finance will further promote the development of digital government. In Guangdong, financial institutions represented by large state-owned commercial banks provide more financial solutions for the construction of digital government.
Focusing on housing and housing, Guangdong Branch of China Construction Bank cooperated with the Guangdong Provincial Department of Housing and Urban-Rural Development to build an integrated platform for digital housing (Guangdong Housing), realizing a "one network" of housing data in the province, which not only helps the housing construction system to share information, but also provides residents with a safe, convenient and efficient one-stop housing search service. By applying government big data and new technologies, the platform successfully replaced "on-the-spot running" with "data running", reducing the number of documents for housing business and optimizing many processes.
Focusing on convenient medical treatment, Guangdong Branch of China Construction Bank launched the platform of "Jianrong Intelligent Medicine", integrating the module functions of hospital information, medical service, recharge payment and personal center, and providing customized platform services for the whole process of medical treatment. In Huizhou, Huizhou Branch of China Construction Bank helped local hospitals to develop a medical service platform for women and children. After the platform was launched, it was more convenient for patients to see a doctor, and the "smart hospital" empowered by financial technology achieved remarkable results.
Focusing on the general management of government affairs, Guangdong Branch of CCB connected the government affairs service function with STM smart teller machines of CCB outlets, and launched 944 government affairs service functions in 32 categories, realizing the government affairs service "can be done nearby and at multiple points" and 24 hours without closing. Today, the convenience function has covered more than 3,900 smart ATMs in more than 1,000 outlets of CCB Guangdong Branch. This year, it has provided government services to more than 9.8 million citizens and handled more than 20 million transactions.
From urban to rural areas, digital finance is also expanding its service scope. In the rural area of Maoming Binhai New Area, Maoming Branch of China Construction Bank cooperated with the water company to access the water fee management system with the help of its "Yunongtong" terminal equipment installed in various villages, and realized a series of functions such as real-time recharge, deposit, inquiry and reconciliation of water fees.
Not only that, Yunongtong can also handle withdrawal, transfer and remittance, cash remittance, telephone recharge, social security payment, electricity payment and other services in one stop. Facing Guangdong’s vast rural areas, Guangdong Branch of China Construction Bank has continuously expanded the digital platform ecology of Yunongtong, and launched 42 social security and 57 tax functions of Yunongtong+Smart Social Security+Smart Taxation in conjunction with guangdong provincial department of human resources and social security and the Provincial Taxation Bureau, realizing the "self-service" of rural residents’ social security and taxation. At present, it has served more than 1.7 million farmers.
Extend the tentacles of benefiting enterprises and supporting enterprise development accurately.
At the 18th China International SME Expo, the online 3D digital bank built by China Construction Bank attracted much attention. By integrating AI customer service, VR banking and other functions, it provided exhibitors with SME-specific financing, cross-border settlement and online matchmaking services.
From "face to face" to "screen to screen", digital communication and transaction have gradually become the development direction of bank services. Take CCB’s "Know You" APP as an example. Since its launch in 2018, the APP has been updated iteratively for several versions, and has created a one-stop service of "finance+incubation+industry+counseling" for small and medium-sized enterprises. By the end of October this year, "Know You" APP had increased 170,000 households in Guangdong certified enterprises compared with the beginning of the year, with 44 billion yuan of new loans. Pratt & Whitney services migrated from the financing link to the whole life cycle of customers, and the fiscal and taxation automation function of "Know You" was developed to meet the diversified financial and non-financial needs of enterprises.
To support enterprise’s scientific and technological innovation, Guangdong Branch of CCB launched a multi-dimensional evaluation system to serve private scientific and technological enterprises, and upgraded it from a one-dimensional evaluation system of "technology flow" to a multi-dimensional dynamic evaluation, realizing the full integration of data such as intellectual property rights, external qualifications, financial statements, capital transactions, production factors, etc., and providing a more comprehensive digital evaluation and cross-validation of the comprehensive innovation development strength and risk status of enterprises.
Since the introduction of the exclusive evaluation system of "technology flow", Guangdong Branch of CCB has served and docked more than 40,000 high-tech enterprises in the province, and the loan balance of high-tech enterprises exceeded 160 billion yuan. Multi-dimensional evaluation system is aimed at more than 60,000 science and technology subjects, such as high-tech enterprises and small and medium-sized scientific and technological enterprises, providing comprehensive services throughout the life cycle, and further stimulating the development potential of private scientific and technological enterprises in Guangdong.
Optimize the digital life experience and enrich the ecology of eating, living and traveling scenes.
Recently, Jiangmen’s first business of "paying special maintenance funds for residential buildings with digital RMB" was completed through CCB’s personal digital RMB wallet, achieving a new breakthrough in the local application scenario of digital RMB.
Digital RMB is an important part of digital city construction. Focusing on the goal of serving people’s livelihood and benefiting the general public, Guangdong Branch of CCB has accelerated the promotion and application of digital RMB in key areas of people’s livelihood such as food, housing, transportation and public services. With the deepening of the interaction between digital RMB and ecological scenes such as transportation, government affairs and people’s livelihood, Guangdong Branch of CCB has landed several digital RMB payment scenarios.
In Guangzhou, Foshan, Jiangmen and other key cities, digital RMB non-inductive parking, charging stations and other scenes have been launched to create a "big traffic travel ecology" by land, water and air; Landing digital RMB unified salary scene in Meizhou; In many cities in the province, digital RMB has been used to pay water and gas bills. Both in the CCB system and in the province, digital RMB housekeeper fund supervision projects are launched.
Guangdong Branch of CCB has also taken the form of "Digital RMB+CCB Life" to issue government coupons all over the province and launched a series of digital RMB preferential activities. Since the beginning of this year, digital RMB coupons have been issued over 80 million yuan, benefiting more than 5 million people.
As a special APP launched by CCB, which integrates catering, travel and financial services, CCB Life actively adapts to the digital development trend, actively promotes the digital layout and ecological circle construction of local living consumption, creates a cross-border business model of CCB life+,and launches the first NFC smart travel scene "Yangchengtong" in CCB system, which is combined with localization scenes such as smart canteen, housing lease and low-carbon ledger, so as to integrate the service of benefiting the people into people’s daily lives.
Up to now, the registered users of "CCB Life" APP in Guangdong have exceeded 10 million, and the accumulated amount of government coupons is nearly 300 million yuan, serving nearly 20,000 merchant groups, facilitating more than 100 million transactions and driving the transaction amount to over 5 billion yuan. With the support of digital finance, the strength and accuracy of the financial services of Guangdong Branch of CCB in terms of coverage, product supply and service support have been qualitatively improved, and the pace of digital transformation has been accelerated, which has continuously injected new kinetic energy into the high-quality development of the digital economy.
Source: Guangdong Branch of China Construction Bank Co., Ltd.