Recently, in order to implement the requirements of the Notice of the General Office of the People's Bank of China on Launching the Work Related to the 2022 National Science and Technology Activity Week, commercial banks actively launched the "2022 Financial Science and Technology Activity Week" with the theme of "Entering Science and Technology". During the activity from May 2/KLOC-0 to May 28, the bank demonstrated the achievements of science and technology in promoting the quality and efficiency of financial services and empowering the high-quality development of banks through the combination of online and offline.
Industrial and Commercial Bank of China: Jizhi ICBC.
During the activity, ICBC showed the public the first personal financial banking strategy system, which mainly included "Intimate ICBC, Extremely Smart ICBC, Unbounded ICBC and Relieved ICBC", aiming to further promote the implementation of the "First Personal Financial Banking Strategy" expressed by ICBC with "Service+,Wisdom+,Scenario+and Security+"as the core. Among them, "Jizhi ICBC" has created a series of experiential activities through online platforms such as mobile banking, which embodies the value concept of "more open, more affordable and more convenient", enhances the personal customer experience and creates a good service reputation. Mainly reflected in three aspects:
First, realize the transformation from "doing function" to "doing experience". Based on the basic logic of product innovation, ICBC has created star products such as ICBC Intelligent Asset Allocation, Love Investment, ICBC Electronic Payment, ICBC Electronic Bill, ICBC Non-inductive Payment and ICBC Express.
Second, use technological innovation to make services more convenient. ICBC innovated the risk assessment technology and model, and launched a series of new financing products with no face-to-face, no guarantee, no mortgage and completely based on credit, represented by ICBC Ronge Loan and ICBC Xiao Wei E Loan. This kind of product is convenient to apply for, flexible in term, and can be loaned every second, so that customers can feel the product innovation results of the integration of technology and commerce, and the combination of intelligence and convenience.
Third, give back to customers more accurately. In order to let customers experience the "sense of gain" more intuitively, we will build distinctive brands such as ICBC Love Shopping, E-Business Dream Help Program, ICBC Convergence, and Pinyue Good Life, so that customers can enjoy tangible benefits.
Agricultural Bank of China: Accurate service helps rural construction and inserts scientific and technological wings for "agriculture, countryside and farmers"
During the event, Agricultural Bank of China showed the public that it focused on major national strategies, promoted the implementation of science and technology planning, promoted high-quality development with scientific and technological innovation, promoted financial benefits to people's livelihood, and provided customers with intelligent, convenient and safe financial services.
As the national team and main force serving "agriculture, rural areas and farmers", China Agricultural Bank focuses on the pain points and difficulties of rural customers in the county, and combines the profound accumulation of serving "agriculture, rural areas and farmers" for more than 70 years with digital emerging technologies to strengthen the revitalization of scientific and technological villages. In-depth study of farmers' financial needs, innovative launch of "Huinong e-loan" network financial products; Study and launch a rural collective "three-capital" management platform to help improve the digital level of rural governance; * * In conjunction with the National Rural Revitalization Bureau, we launched the "Enriching the People Loan" credit product for benefiting farmers, and introduced "financial living water" for rural revitalization.
Agricultural Bank of China resolutely implements the strategic deployment of a national science and technology power, a digital China and a network power, and strives to build a smart bank with first-class customer experience and the best digital ecological bank in the fields of agriculture, rural areas and farmers.
CITIC Bank: Building a First-class Technology Bank
During the event, CITIC Bank vigorously publicized all kinds of financial knowledge and financial scientific and technological innovations to the public.
In recent years, CITIC Bank has thoroughly implemented the new development concept, followed the development trend, always adhered to the goal of building a first-class technology bank, and launched a number of scientific and technological innovation projects one after another. In 20021year, under the guidance of the Science and Technology Department of the People's Bank of China, CITIC Bank launched the activity of "I do practical things for the masses" and announced the results of the governance of uncommon words in the financial industry, officially opened a complete set of "CITIC solutions" to solve the problem of uncommon words, promoted the standardization of uncommon words products and shared the results with the whole industry. In the same year, CITIC Bank launched the "New Full-stack Cloud Project" in an all-round way, striving to build a "Distributed All-Cloud Architecture" that fully supports the cloud native and China Guo Xin Soul during the Tenth Five-Year Plan period, realizing the leap-forward development of science and technology services and significantly enhancing the comprehensive competitiveness of CITIC Bank in science and technology.
CITIC Bank said that it will continue to actively fulfill its mission of serving customers, explore the business application of new technologies, make the innovative achievements of financial technology truly benefit the general public, and strive to create "the best comprehensive financial service provider with responsibility, temperature, characteristics and value".
China UnionPay: Actively carry out the national science and technology activity week publicity activities.
In addition to the above-mentioned commercial banks, China UnionPay also actively responded to the National Science and Technology Week. From May 2/KLOC-0 to May 28, it launched a series of popular science publicity activities through online universities, financial digital forums and online exhibition halls.
"Online Open Course of Financial Technology" is open to college teachers and students. China UnionPay invites technical experts in the fields of big data, risk control and Internet of Things to introduce the research and application of related topics, so as to facilitate teachers and students in colleges and universities to enhance their understanding of cutting-edge technologies in the financial payment industry;
The "Financial Digitalization Online Forum" was jointly organized by China UnionPay, Shanghai Financial Data Port and Shanghai Financial Technology Industry Alliance, and invited peers to carry out technical application exchanges on the development of financial technology. The forum covers frontier technical fields such as blockchain and cloud computing and multiple application scenarios such as mobile payment, and talks about new achievements in the development of financial technology in the industry from different dimensions and perspectives such as industry trends, technological development and business innovation.
In order to enhance the public participation experience, during the event, UnionPay opened the "Virtual Exhibition Hall of Financial Science and Technology Achievements" to the public, which comprehensively demonstrated the innovative achievements of UnionPay in the field of financial technology in the past 20 years and will provide the public with a better immersive online display experience. In addition, UnionPay also planned the "Financial Science Popularization Exhibition", compiled popular science pictures and videos covering financial science, safety science popularization, convenience innovation and other fields, and showed them to the public through various channels.
In addition to online, banks also use computers to play promotional videos, make promotional display boards, distribute leaflets, answer questions, use LED screens of business outlets to scroll promotional slogans and prevent telecommunication network fraud, and other financial innovative products and knowledge, so that the general public can experience the intelligent and convenient financial services brought by financial technology, and at the same time help them better understand the financial innovations around them, enhance their awareness of financial security and risk prevention, and effectively enhance the influence of financial technology activity week.
In recent years, the digital transformation of commercial banks has achieved remarkable results. Empowered by digital technology, the banking industry has further released the value of science and technology by deepening the field of financial technology, promoted the digital construction of the whole stack, comprehensively improved the efficiency of process management, risk pricing ability and refined operation ability, continuously improved service efficiency, and effectively helped the banking industry achieve high-quality digital transformation. Through this activity, commercial banks will continue to increase the application of new technologies such as 5G, AI, big data and blockchain, continuously improve their scientific and technological innovation capabilities, and strive to create a new situation of high-quality development. (Editor: Fang Jie)