The epidemic has posed a challenge to the uninterrupted service capabilities of the financial industry, and also provided an opportunity for financial technology to leverage its online and intelligent advantages. Facing the "big test" of epidemic prevention and control and resumption of production, the "technological pulse" of Shanghai's financial industry is accelerating. It can be seen from the recovery of this round of epidemic in Shanghai that the market will continue to test the growth resilience of enterprises. Whoever can get over breakpoints and setbacks faster will be able to seize development opportunities earlier and even overtake in corners.

Funding for resumption of work is full of "technical flavor"

In front of the business department of Shanghai Rural Commercial Bank Putuo Branch, Shanghai citizen Uncle Chen quickly passed the "Digital Sentinel" with his ID card and "accompanying application code" "Verification, successfully entered the network;

In the teaching room of Jing'an District, Shanghai, music teacher Ms. Zhang uploaded trauma treatment materials and electronic signatures during the epidemic through the WeChat applet. "Time to Listen to a Song" received 720 Yuanqi’s claim settlement;

Faced with the “big test” of epidemic prevention and control and resumption of production, the “scientific and technological pulse” of Shanghai’s financial industry is accelerating. Under the guidance of the Shanghai Banking and Insurance Regulatory Bureau, Shanghai Bancassurance continues to make precise efforts: externally, it continues to create special financing programs for key technology enterprises to help normalize epidemic prevention and control; internally, it continues to accelerate its own digital transformation, improve process efficiency, and meet the needs of epidemic prevention and control. People’s expectations for smart and convenient financial services.

A few days ago, the first batch of customer service centers of China Life Insurance Company Shanghai Branch resumed operations, and Shanghai residents verified their entry through "Digital Sentinel". Photo by Jin Jie

Financial technology can solve the worries of enterprises.

As the city of Shanghai enters the stage of comprehensive resumption of work and production, technological epidemic prevention tools such as "circulation application code" and "digital sentinel" have become people's "passport" for travel, work and life. At present, the number of single-day visits to "Code Tape Usage" has exceeded 35.368 million, and the cumulative number of scans of "Code Tape Usage and Places" has exceeded 100 million times.

As a leading data intelligence service provider in China, Shanghai Detuo Information Technology Co., Ltd. (hereinafter referred to as "Detuo Information") has been responsible for the operation tasks of data management technology of Shanghai Big Data Center. Since March, the company's downstream customers have been quarantined due to the epidemic and have been unable to pay on time, which has seriously affected the company's capital withdrawal. Recently, the company's existing loans have expired, and Detuo Information is facing dual financial pressures of on-time repayment and daily operations of the company.

“After learning about the relevant situation, the bank immediately set up a working group to design a special plan for Detuo Information and opened a green channel for loan approval and issuance.” The relevant person in charge of Xuhui Branch of Shanghai Pudong Development Bank introduced that in order to fully protect the enterprise In terms of daily capital turnover and business operations, the bank quickly completed the approval of a 30 million yuan loan and a 15 million yuan first loan through efficient internal linkage, helping enterprises solve their urgent needs.

003010 learned that in response to the financing "pain points", "difficulties" and "blocking points" encountered by key technology companies in the process of resuming work and production, the Shanghai banking industry has recently continued to make efforts in the field of technology finance. , actively improve service levels through product and model innovation.

Digital transformation “selling goods on the cloud”

“The bank’s technology platform helps us sell watermelons, and the order volume far exceeds expectations!” In early May, Shanghai Nanhui’s “8424 Watermelon” Begin to mature. Seeing that sales orders exceeded 100,000 kilograms in just half a day, the staff of the local cooperative smiled.

These boxes of green and sweet watermelons are the fruits of farmers’ hard work and are also the epitome of the digital transformation of Shanghai’s financial institutions. As early as 2020, when the epidemic broke out, many banks and insurance institutions have accelerated their plans.

In terms of corporate services, China Merchants Bank Shanghai Branch actively promoted the "remote face-to-face-free" pre-approval, supporting companies to initiate up to 1,000 Apply online for small and micro enterprise loans worth RMB 10,000, and remotely and automatically match personalized loan plans to help customers lock in preferential interest rates. Shanghai Rural Commercial Bank has launched the special service of "War Epidemic Financing Express", providing 724-hour business application services, including electronic letters of guarantee, letters of credit, bank-tax quick loans, etc. For enterprises with capital needs or other financial service needs, use "online scan QR code".

As of now, the number of customers who have scanned the QR code for this service exceeds 2,100, the matching rate has reached 100, and the total amount of intended credit is nearly 9 billion yuan.

Innovation is “at your fingertips”

In June, traffic in Shanghai returned to normal and the auto insurance reporting rate increased. Recently, Mr. Wen, a car owner in Shanghai, accidentally ran into a corner while driving, causing damage to the rearview mirror and paint of the vehicle. In the process of using Ping An's video survey service, he was pleasantly surprised to find that "all survey claims were completed in 3 minutes and 40 seconds without contacting anyone or waiting for the surveyor. It is really efficient!"

This kind of "tentacle" Behind the "accessible" convenient services is the accelerated use of technology in the insurance field. "In the traditional auto insurance survey mode, it takes a lot of time to wait for the surveyor to take photos and collect evidence on site, or the car owner needs to repeatedly take photos and upload them to assess the damage. But in the video survey mode, the car owner only needs to point the mobile phone camera at the damaged part of the vehicle, and the customer service Personnel can collect evidence remotely through the system's intelligent identification. "According to the relevant person in charge of Ping An Jinfu, the video investigation time is reduced by 58% on average compared with the traditional mode, and it only takes 5 minutes on average from making a call to completing the investigation. Since its first trial, the survey model has served more than 50,000 customers, and the net customer referral score has increased by 6.

In terms of auto insurance investigation and claim settlement, in addition to Ping An’s customer service innovation and launch of a new auto insurance video investigation model, China Life Shanghai Branch also provides online services through "China Life", "Cloud Compensation", "Personal Injury New Tool" and other online Tools realize the entire process of online "quick compensation".

With the deepening use of financial technology, Mr. Wen completed the report, investigation, and claim settlement with just one phone call, and continued to perform the task of ensuring supply and delivery; Ms. Zhang visited the shopping mall activity area of ??mobile banking and settled claims using her account I bought 3 food stamps and planned to enjoy a big meal with my family. Teacher Wu successfully completed the cash withdrawal operation within 2 hours after applying for the loan and distributed it to employees in a timely manner.

"The epidemic just gave us a holiday. The middle of last year was the busiest time for business. Now everyone is affected, but this is an opportunity. We should actively prepare." Teacher Wu is full of confidence He said that thanks to the convenience of full online operation, he applied for a loan line of 5.4 million yuan at any time through Ping An Puhui; Whitney's "Home Electronics Loan" "fully 'stored up energy' to expand production after resumption of work." . Related questions and answers: