Release the new momentum of science and technology and improve the new quality and efficiency of inclusive small and micro financial services with “Smart Connect”? One of the series of reports on Tianjin Bank’s “Smart Connect”
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Bank of TianjinResolutely implement the spirit of the Central Financial Work Conference and the work arrangements of the Municipal Party Committee and Municipal Government, and strive to practiceThe important requirements of “four good deeds and good success” are:around“Horizontal expansion and vertical innovation”, the “Smart Pass” series product matrix was launched to create a “technology + finance + scenario” integrated digital inclusive financial service ecosystem.Focus on improvingFinancial services inclusive of small and micro businessesQuality and effectiveness,lead“Ten billion” finance“running water“Serve“Millions” of market entities,accomplish“It’s easier to collect and pay, and it’s more convenient to get a loan.”.
The bankby“Smart Merchant Pass” is used as the starting point to integrate the merchant ecosystem,HelpBusiness is booming.“Smart Merchant Pass“Deepen the use of technological tools such as the Internet and big datasegment, creating a digital inclusive financial service ecosystem for hundreds of millions of individual business owners and small and micro business owners,Construct“Smart collection + smart management”comprehensive financial service model.In terms of smart payment, we provide multi-scenario solutions such as cluster splitting and unified cashier, allowing small and micro merchants to enjoy a simple, fast and safe payment experience..In terms of smart management, we uphold theThe tenet of “teaching a man to fish is worse than teaching him to fish” promotes small and micro market entities to improve their ability to operate independently. For example: provide operating accounts,Convenient review summary; Provide customer management tags,PersonalizeCustomer operations; providing independent coupon issuance services to driveMerchants break through the circle to attract customers; Provide online purchasing module to realizePurchase from source and deliver to store.As of this year3At the end of the month,The number of cooperative customers in the “Smart Merchant Pass” scenario has exceeded one million, reaching 108.4Ten thousand households, including cooperative merchants in the Beijing-Tianjin-Hebei region78.32Thousands of households.The cumulative payment amount reaches400 billion yuan,average dailyMore than 8 million calls for “Tianjin Bank Collection” occurred one after another in six provinces and cities: Tianjin, Beijing, Shanghai, Hebei, Shandong, and Sichuan.
by“Smart Business Communication” is used as a carrier to solve financing problems and help small and micro enterprises develop.ShouldRow based on“Smart Merchant Pass” big dataintegrated analysis capabilitiesinnovative launch“Smart Business·Yongbei” pure credit loan provides a new solution for small and micro financing. By using big data, cloud computing and other technologies to create an independent risk control system, we can achieve accurate customer portraits and effective identification of risks, and break down traditional financing barriers. The product is “easy to get online, dynamically increase the amount, borrow and repay at any time, and recycle”, forming a new model of inclusive and efficient financial support for individual industrial and commercial households. Through proactive innovation in financial product design, we can effectively solve the problem of information asymmetry among financial companies, expand the availability and coverage of financial services, and enhance the satisfaction and gain of the majority of small and micro market entities.As of this year3At the end of the month, the cumulative34.16We provide credit fund support to all small and micro merchants in need of funds, and the cumulative amount of pure credit loans issued reaches225.74billion.
The Bank of Tianjin stated that in the next step, it will resolutely serve as an executor, activist and doer in implementing the central decision-making and deployment requirements and the municipal party committee’s deployment requirements, continue to practice the financial theoretical system with Chinese characteristics, unswervingly follow the path of financial development with Chinese characteristics, and use its own High-quality financial development serves the high-quality development of the economy and society, further enhances the breadth and depth of services, and continuously enriches“Wisdom Pass“The product matrix is deeply engaged in the field of digital inclusive finance, and through the integration of technology, digital intelligence, and intelligence, it improves the coverage of financial services, promotes the high-quality development of the real economy, and contributes to the construction of a strong financial country, the construction of a beautiful China, and the construction of a beautiful Tianjin.
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