Currently, the development of financial technology has ushered in an important window period, how can agricultural banks leverage technology to realize the curved road? Dafeng Agricultural and Commercial Bank soberly realized that technology is a small and medium-sized banks to break the path of inclusive small and micro financial services, must make full use of data intelligence, mobile Internet and other technologies, in the field of risk control, products, operations, customer acquisition and other areas of the whole process of reshaping the value of small and micro-credit service chain, to achieve small and micro-financial business sustainability.
In 2015, Dafeng Agricultural and Commercial Bank of China launched its credit product "Sunshine Credit" with "Iron Foot Board" to go deep into the countryside to grant credit to the whole village. How can the small and micro customer resources accumulated by huge manpower be conveniently utilized and maintained? The first thing you need to do is to get your hands on some of the most popular products in the world.
Pushing down the "departmental wall" to create a "smart service" new system
In the era of the digital economy, how to create a high content of science and technology and close to the people's financial environment, Dafeng Agricultural and Commercial Bank of China has made a lot of hard work. The bank quickly seized the opportunity to fully support the bank's digital transformation. Since the beginning of 2019, the bank has invested **** about 170 million yuan in technology hardware and software.
In the work of planning the overall structure of the department, in order to highlight the important role of technological empowerment in the transformation of the banking industry, Dafeng Agricultural and Commercial Bank set up a technology and information department and divided it into a software development center, an operation and maintenance management center and a technology management center according to the functional structure, so as to build a technological barrier in the back end. At the same time, the bank also set up a product research and development department in the front-end retail business department to create a research and development team that understands both technology and products. "In layman's terms, the product R&D department 'draws' the drawings according to the requirements, while the technology and information department is responsible for 'building' the house." Bian Yubin, deputy general manager of the Ministry of Science and Technology Information, made a figurative analogy.
"What we are trying to do is to build a bridge between the front-end marketers and the back-end technology department through agile transformation. Combine the customer and business needs to put technology into practice. For example, a loan product, the front-end account manager feedback to us, we will adjust and submit the technology department in due course." Liu Laishan, general manager of the product development department, introduced that by setting up a product development department in the front end and exporting scientific and technological talents to the front end, we can avoid the situation where the back end does not know the business and the front end does not know the technology, so as to make the product more accurate and attractive.
In addition to safeguarding the operation of scientific and technological forces from personnel and funding, Dafeng Agricultural and Commercial Bank also pays special attention to the core element of innovation. The bank's customers and process nodes are digitized with labels, and the product development department customizes credit products in accordance with the actual situation and needs of customers.
Dafeng Agricultural and Commercial Bank relies on government data, bank data and Internet data to obtain credit information, collect and determine the customer profile, and analyze the big data background to determine the credit limit. This mature process now meets the full coverage of small loans of less than 300,000 yuan, and realizes more than 90% of personal loans online self-service processing.
The "transaction system" is the most important part of the construction of the financial technology system, and to ensure the efficient operation of the transaction system and improve the efficiency of business management and standardization, it is indispensable to the construction of the "management system". As early as 2012, the bank began to develop the "process bank" system, all internal departments of the management system for online integration, to achieve data *** enjoy, standardized management, simple process, so as to improve the efficiency of the bank's internal approval.
The process of approving loans is placed on the network "highway", and customers are no longer running around like before. For customers with imperfect or abnormal data, the "process banking" system can automatically analyze and generate a list, which improves the efficiency of the account manager.
The "Iron Counter" is a new way of thinking about "easy to lend and dare to lend"
Unlike the joint-stock banks that give out credit amounts with reference to the customer's salary, social security, and provident fund, most of the customers of the Agricultural Bank of China (ABC) are concentrated in the countryside, and the amount of credit cannot be considered in accordance with the traditional mode of consideration. The bank's customers are mostly concentrated in the countryside, so the credit amount can't be considered according to the traditional model. Dafeng Agricultural and Commercial Bank by collecting the number of acres of fields of farmers in each village, the number of farm machinery and other data, added to the bank's credit system as a new parameter, analyzing the portrait of the credit customers, making a data model to give the amount of credit consistent with the conditions.
Starting in 2018, Dafeng Farmers and Merchants Bank, relying on technological support, will be "sunshine credit" into "Jinfeng e loan", farmers can easily online loan, from the application to the funds to the account, the fastest time needed only three minutes.
At present, the financial network services, agribusiness and some large banks compared with a certain gap, such as mobile banking, online banking, large banks because of the development of early, high investment, has seized a certain amount of agribusiness customer source. For agribusiness banks, how to make up for the short board of online banking business, urgently need to be resolved. The company's website has been updated with the latest information about the company's products and services.
Zhang boss in Dafeng opened a store, due to the impact of the epidemic, business turnover difficulties. He remembered that his store joined the "Dafeng Agricultural and Commercial Bank of China e-community", directly through the cell phone application, only 3 minutes to measure his loan amount of 150,000 yuan, and then in accordance with the system prompted the steps of the operation, the urgent need for 100,000 yuan of funds to his social security card.
Borrowing and lending without going to the counter, without having to prepare too many materials, has become more and more the **** knowledge of most customers, which is also one of the practical measures to improve the financial services of Dafeng Farmers and Merchants Bank with the customer as the center.
In order to make it easy for people to "loan", Dafeng Agricultural and Commercial Bank of China leverages big data technology to create a new service model of "data evaluation, bank credit, customer integrity", the pillar credit products "sunshine credit" evolved to create a new service model. Dafeng Farmers and Merchants Bank has evolved its pillar credit product "Sunshine Credit" into "Jinfeng E-Loan", and has successively launched online products such as "Jinfeng Easy Loan" and "Jinfeng E-Loan", realizing online application, review, approval and disbursement, The bank has also launched online products such as "Jinfeng Easy Loan" and "Jinfeng E Loan", realizing online application, review, approval and lending. At present, the bank has nearly 50,000 online customers and a loan balance of 4.862 billion yuan. The company's website has been updated with the latest information about the company's website, including a list of its products and services, as well as the latest information about the company's website.
Credit and risk are twins, how to minimize credit risk? In order to let the people dare to "loan", Dafeng Agricultural and Commercial Bank of China in the development of network credit at the same time, more adhere to the bottom line of risk, through the technical empowerment to enhance the ability of wind control and case prevention. "Through technological means, the system realizes real-time monitoring of internal data, we can pre-judge the changes in the portrait of the customer, to avoid risk." Sheng Dongmei, head of the risk control department, said.
The construction of "**** the same body" practicing the "worry" new bear
In recent years, Dafeng Agricultural and Commercial Bank adhering to the "customer-oriented" service concept, focusing on the needs of urban and rural customers, relying on the social and economic situation of the community, and the need for the development of a new, more efficient, and more efficient service. Around the needs of urban and rural customers, relying on the carrier function of the social security card, is committed to creating a set of "financial + social security + life" as one of the inclusive financial services, really do a good job of benefiting the people, to the people of the real thing, and has been widely praised by all sectors of society.
It is the agricultural and commercial bank financial network services have a deep understanding of the Dafeng Agricultural and Commercial Bank to facilitate the daily life of urban and rural customers for the important purpose of the public customers of the "flow" into the urban and rural economy of the "sea". Focusing on the local people's clothing, food, housing and transportation, Dafeng Agricultural and Commercial Bank vigorously develops scenario finance, and creates a financial service ecosystem with regional characteristics by building an Internet financial platform, which enhances the bank's ability to acquire customers while also providing more convenience for Dafeng residents and merchants.
Entity merchants need to open up marketing channels when they encounter difficulties in operating due to market shocks. Dafeng Farmers and Merchants Bank has established marketing channels for fast-moving products by developing WeChat mini-programs and APPs to dock commodities with customers, so that customers can obtain high-quality goods at more convenient prices.
In Dafeng District, there is a "financial key" to help residents open a new experience in clothing, food, housing and transportation. This is a social security card issued by the bank as an agent in the Dafeng area, and its service scenarios cover a wide range of areas such as healthcare, education, tourism, transportation, and campuses. At present, the bank agent issued 726,000 social security cards, to achieve full coverage of urban and rural residents.
With a channel that is closely related to urban and rural customers, Dafeng Agricultural and Commercial Bank actively practiced social responsibility, docking the Commission on Health, Medical Insurance Bureau and other units, increase capital investment, and Dafeng hospitals at all levels of in-depth cooperation. It is reported that Dafeng Agricultural and Commercial Bank invested more than 10 million yuan to deploy code-sweeping equipment in 140 health insurance designated units. "For agribusiness banks, they not only need to provide financial services for customers, but also utilize resources to solve problems for customers." Dafeng Agricultural and Commercial Bank network channel department general manager Zong Mu said.