The ability of the financial industry to provide uninterrupted service to the epidemic has posed a challenge, but also provides an opportunity for financial technology to play an online, intelligent advantage. In the face of the epidemic prevention and control and the resumption of production of the "test", Shanghai financial industry "technology pulse" is accelerating. From this round of Shanghai's epidemic recovery can be seen, the market will continue to test the growth of enterprise toughness. Who can get out of the breakpoints and setbacks faster, who will be able to seize the development opportunities earlier, and even bend the road to overtake the car.

Supporting the resumption of work is full of "technological flavor"

In front of the business department of the Shanghai Agricultural and Commercial Bank of China Putuo Branch, Shanghai citizens moncler outlet online with their ID cards and "with the application code" to quickly pass the "digital sentinel".

Shanghai Jing'an District teaching room, music teacher Ms. Zhang through the WeChat small program uploaded during the epidemic trauma treatment information and electronic signature, "listening to a song of time" received 720 yuan from the claims;

faced with the epidemic prevention and control and the resumption of production of the "big test

In the face of the epidemic prevention and control and the resumption of production "test", the Shanghai financial industry "technology pulse" is accelerating beating. Under the guidance of the Shanghai Banking and Insurance Supervision Bureau, Shanghai Banking and Insurance continues to make precise efforts: externally, it continues to build a special financing program for key science and technology enterprises to help normalize the epidemic prevention and control; internally, it continues to accelerate its own digital transformation, improve process efficiency, and satisfy people's expectations for intelligent and convenient financial services.

A few days ago, China Life's Shanghai branch of the first customer service center resumed business, Shanghai citizens through the "digital sentinel" for admission verification. Jin Jie / photo

Financial technology can solve the worries of enterprises.

With the city of Shanghai entering a comprehensive stage of resumption of work and production, the "application code", "digital sentinel" and other scientific and technological prevention tools have become a "pass" for people to travel, work and live. ". At present, the "code with the use of" single-day access has more than 35.368 million, "code with the use of and places" accumulated scanning times more than 100 million times.

As a leading data intelligence service provider in China, Shanghai DETO Information Technology Co., Ltd (hereinafter referred to as "DETO Information") has been undertaking the task of operating the data management technology of the Shanghai Big Data Center. since March, the downstream customers of the enterprise have been quarantined because of the epidemic, and they are unable to make payments on time, which seriously affects the return of the enterprise funds. The recent expiration of the company's existing loans has put DETO under double financial pressure of on-time repayment and daily business operations.

"After learning about the situation, the bank set up a working group at the first time to design a special program for Dito, and opened a green channel for loan approval and issuance." The relevant person in charge of Pudong Development Bank's Xuhui Sub-branch introduced that, in order to fully protect the enterprise's daily capital turnover and business operations, the bank, through efficient internal linkage, quickly completed the approval of 30 million yuan of loans and 15 million yuan of the first loan, to help the enterprise to solve the pressing problem.

003010To address the financing "pain points", "difficulties" and "blockages" encountered by key science and technology enterprises in the process of resuming work and production, the Shanghai banking industry has recently made continuous efforts in the field of science and technology finance. The banking industry has recently made continuous efforts in the field of science and technology finance, and actively improved its service level through product and model innovation.

Digital transformation "selling goods on the cloud"

"The bank's technology platform helps us sell watermelons, and the number of orders far exceeded expectations!" At the beginning of May, Shanghai Nanhui's "8424 watermelon" began to ripen. Looking at just half a day to exceed 100,000 pounds of sales pre-orders, the local cooperative staff face a smile.

The boxes of green and sweet watermelons are the fruit of farmers' hard work and epitomize the digital transformation of Shanghai's financial institutions. As early as 2020, when the epidemic broke out, many banks and insurance institutions accelerated pa

In terms of business services, China Merchants Bank Shanghai Branch actively promotes the "remote no-meet" front approval, supports enterprises to initiate online applications for small and micro-enterprise loans of up to 10 million yuan, and remotely and automatically matches personalized loan programs to help customers lock in preferential interest rates. The bank automatically matches personalized loan programs remotely and helps customers lock in preferential interest rates. Shanghai Agricultural and Commercial Bank of China (SACB) has launched a special service called "Through Train for War Epidemic Financing", which provides 724-hour business application services, including electronic letter of guarantee, letter of credit, and quick loan for banks and taxes, etc. SACB has also launched a special service for enterprises with financial needs or other financial services. Enterprises with capital needs or other financial service needs can apply for the service through "online code scanning". Up to now, the number of customers of the service sweep code more than 2,100, the docking rate reached 100%, the total amount of intent to credit nearly 9 billion yuan.

Innovation "at your fingertips"

In June, traffic in Shanghai returned to normal, and the rate of car insurance reports rose. Recently, Mr. Wen, a Shanghai car owner, accidentally rubbed the corner of a wall while driving, and his vehicle's rearview mirror and paint were damaged. In the process of using Ping An's video survey service, he was pleasantly surprised to find that "all the survey claims were completed in 3 minutes and 40 seconds without having to contact anyone or wait for the surveyor, which is really efficient!"

Behind this convenient service is the accelerated use of technology in the insurance field. While in the video survey mode, the owner only needs to point the cell phone camera at the damaged part of the vehicle, and the customer service personnel can remotely collect evidence through the intelligent recognition of the system." According to the relevant person in charge of Ping An Jinfu, the video survey time is reduced by 58% on average compared with the traditional mode, and it takes only 5 minutes on average from the call to the completion of the survey. Since the first trial, the survey model has served more than 50,000 customers, and the net value of customer recommendations increased by 6%.

In terms of auto insurance survey and claims, in addition to Ping An's customer service innovation to launch a new mode of auto insurance video survey, China Life Shanghai Branch also through "China Life", "cloud compensation", "personal injury new tools

With the introduction of a new mode of video survey of auto insurance, China Life Shanghai Branch has also realized the whole process of online "fast compensation" through "China Life", "cloud compensation" and "new tools for personal injury" and other online tools.

With the deepening of the use of financial technology, Mr. Wen completed the report, survey and claims in one phone call, and continued to carry out the task of guaranteeing the delivery of supplies; Ms. Zhang strolled through the mall activity area of the mobile banking, and bought 3 food vouchers with the claim money in her account, ready to enjoy a big meal with her family. Ms. Wu successfully completed the withdrawal operation within 2 hours after applying for the loan and issued it to her staff in time.

"The epidemic just gave us a vacation. The middle of last year was the busiest time for business. Now everyone is affected, but this is an opportunity. We should actively prepare." Mr. Wu said with confidence that thanks to the convenience of the entire online operation, he applied for a readily available loan amount of 5.4 million yuan through Ping An Puhui; Whitney's "home e-loan" "to fully 'build up the strength' for expanding production after resumption of work '"