With the official release of the "Tenth Five-Year Plan" and the recent announcement of the State-owned Assets Supervision and Administration Commission of the State Council, the digital transformation of state-owned enterprises is imperative.
Last year, the central bank issued a document to guide and promote the deep integration and coordinated development of finance and technology, which pointed out the direction for the digital transformation of the financial industry. Not long ago, Guo Shuqing, Party Secretary of China People's Bank and Chairman of China Banking Regulatory Commission, stressed that all financial institutions should attach great importance to digital transformation.
Under the general trend, financial institutions have stepped into the lane of digital transformation, and Jiangsu Bank has taken the lead in providing comprehensive technology empowerment services.
As a member of the "first-time" financial institution, Jiangsu Bank seized the opportunity of digital, networked and intelligent development and strengthened the empowerment of digital technology. At the beginning of 2020, the "Smart Finance Evolution Plan" (hereinafter referred to as the "Knowledge Plan") was launched and implemented.
One year later, it achieved multiple breakthroughs, full bloom and all-round progress in the field of products and services, and the advantages of financial technology were further highlighted.
As the first product of the "Smart Finance Project" built by Jiangsu Bank, "Sui E-Finance" platform has served more than 1 10,000 small and micro enterprises and160,000 individual customers since it was launched for half a year last year, with a cumulative credit of 30 billion yuan and won the "Outstanding Contribution Award for Financial Technology Product Innovation in 2020".
Suie Finance is a platform for providing "minimalist" loan services, meeting the needs of different customers, realizing online test quota through interaction with customers, and then "withdrawing money" after satisfaction, enhancing the sense of acquisition of small and micro enterprises and making financial services within reach.
"Integration with E" adheres to the concept of service integration. On the basis of integrating many previous products, we innovatively launched "operating with e-loan" and "consuming with e-loan", realizing the unification of self-operated online loan products, the integration of online channels, the integration of data models and the reconstruction of business processes, truly standing from the customer's point of view, reducing the difficulty for customers to understand and choose different products, and giving customers a "minimalist, fast and beautiful" service experience.
It is noteworthy that the product of "Ronge Connect" not only promoted the financial services to be more inclusive, but also played an important role in promoting the application and progress of science and technology of Jiangsu Bank, promoted the rapid improvement of a series of financial technology infrastructure of the bank, opened up a new situation in scene construction, and further enhanced the awareness of digital operation and service.
In the "Hall Experience Promotion Campaign" launched last year, the bank optimized three kinds of customer-oriented equipment, such as smart counters, electronic answering machines and ATM machines, for several rounds to simplify the service process. After optimization, the average daily input times of customers are reduced by more than 5000 times, and the average daily waiting time of the system is saved by more than 9000 minutes.
According to the relevant person in charge of the information technology department of the bank, "in 20021year, Jiangsu Bank will continue to focus on the evolution of smart finance, and pay close attention to the' intellectual progress project' with the determination of never leaving the saddle and never letting go."
At present, the bank has mobilized the wisdom of employees, and collected and summarized 65,438+000 innovations from four aspects: product innovation, process optimization, experience improvement and basic guarantee. According to the expected scale and market promotion, 30 innovative projects were selected as key projects, which were vigorously promoted and transformed into real service efficiency improvement, and new digital advantages were continuously built.
As one of the top 100 banks in the world, Jiangsu Bank takes "intelligence" as the top of its strategy and has been committed to building the bank with the most Internet big data genes. Jiangsu Bank will further seize the opportunity, continue to strengthen the integration of finance and technology, constantly increase product function innovation, and constantly improve its operating conditions while improving its services.
65438+ 10 18, Bank of Jiangsu released the 2020 Performance Express. By the end of 2020, the total assets of Jiangsu Bank were 2,337.893 billion yuan, a year-on-year increase of1.321%; The balance of deposits was 65.438+0306234 billion yuan, up 654.38+00.19% year on year; The loan balance was120160.9 billion yuan, a year-on-year increase of 15.48%.
In terms of profitability, in 2020, Jiangsu Bank achieved an operating income of 52.026 billion yuan, a year-on-year increase of 65,438+05.68%; The net profit attributable to shareholders of listed companies was 65.438+05.066 billion yuan, a year-on-year increase of 3.06%.
(Original content of Surabaya Research, please indicate the source if you reprint the quotation! )