China Minsheng Bank continues to increase investment in technology
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On the evening of March 28, Minsheng Bank released its 2023 annual report, which showed thatannualThe bank’s investment in information technology5.987 billion yuan, a year-on-year increase of 27.19%, accounting for 4.56% of operating income, a year-on-year increase of 0.99 percentage points.As of2023YearAt the end of the year, the number of financial technology personnel4,559 people, an increase of 12.48% over the end of the previous year.
“Continuous investment in science and technology,efficientpromoteEcological link capabilities and digital supply capabilities.“The report pointed out that the bank has deeply grasped the new connotation of digital finance, continued to comprehensively deepen digital transformation, and achieved remarkable results in improving customer experience, innovating products and services, and transforming operation and management models, injecting new momentum into high-quality development.
Deepening the agile innovation mechanism, ecological financial business has grown rapidly.In 2023, Minsheng BankEcological financial innovation incubation has achieved many breakthroughs.First, launchpeople’s livelihoodFour categories: E-chain, scene quick loan, people’s livelihood e-home, and Internet consumer loan,32 online products, builtriseEcological financial product pedigree;two isOnline exportProducts such as e-finance, Guan e-tong, Yichuang e-loan, Letter of guarantee e-key connection, quick order loan, quick supply loan, etc.,Create import and export small, medium and micro enterprises,Exclusive products for customer groups such as “specialized, special and new” enterprises;The third isbuildThe “Minsheng e-Home” one-stop digital service platform unites digital service providers to provide small, medium and micro enterprises with services such as personnel payroll tax, employee benefits, financial accounting, invoice management, expense control and reimbursement.2023cumulative investment in ecological financial business244.430 billion yuan, a year-on-year increase of 106.34%; as ofYearFinally, online financing customersThere were 56,200 households, an increase of 575.11% over the end of the previous year; there were 2,027 core enterprises, an increase of 110.49% over the end of the previous year.
In-depth empowerment of operation and management, comprehensive upgrade of smart financial services.In 2023, Minsheng BankFocus on implementation10 process optimization projects,Reshape the customer journey end-to-end to create secure and convenient mobile financial services.Retail online servicesaspect,Launch of mobile banking8.0, operations such as small-amount transfers and financial purchases are significantly shortened; mobile banking senior version 2.0 is launched to create mobile banking services such as intelligent companionship, personal cross-border finance, parent-child services, agency payment, and pensions; and the intelligent account book service system is improved. , launched a “one-stop” billing service; created a mobile U treasure to upgrade digital human intelligence services.Public online servicesaspect,Launched corporate mobile banking5.0, realize convenient interoperability between corporate online banking and corporate mobile banking, optimize settlement scenarios, and continuouslypromoteDigital financial services that are convenient and beneficial to the people, with high quality and preferential prices.As the first commercial bank to privatize and deploy Feishu office system, the bank has made great efforts toBuild a new digital office platform“i Minsheng” has been promoted and used throughout the group.Operation and management efficiency continues to improve.
As of2023end,China Minsheng Bank Mobile BankingCustomer number breakthrough84 million households,Ranked among the first tier of joint-stock banks;Number of users of retail online platforms1.1300 millionhouseholds, an increase from the end of the previous year8.76%; the number of monthly active users of the retail online platform was 28.0884 million, a year-on-year increase of 8.22%;Number of public online platform usersThere were 3.6204 million households, an increase of 10.47% over the end of the previous year. The number of direct-connected customers between banks and enterprises was 5,184, an increase of 24.98% compared with the end of the previous year.
advancePlatform cooperation,Boost open banking“Financial + non-financial” service capabilities. Expand cloud wallet comprehensive solutions to provide comprehensive financial services for online freight, agency accounting, brand chain and other fields.As of2023Finally, open banking“Cloud series“Cumulative contracted corporate customers15,200 accounts, an increase of 82.98% over the end of the previous year; the number of retail accounts brought by open banking increased by 1.784 million over the end of the previous year, an increase of 14.08%.
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