At 1: 2 on December 3, 219, a small and micro enterprise mortgage loan business initiated by Bank of Beijing received the feedback from Haidian District Real Estate Registration Center, which marked that Beijing took the lead in realizing the "one-stop" handling of real estate mortgage registration loan business in the bank window nationwide, and also marked the first provincial platform in China to connect banks and government departments in a "total-to-total" way-"financial private network".
do banks register mortgages? It only takes 5 minutes
Mr. Xu's enterprise is in urgent need of working capital. Mr. Xu became the first person in Beijing to "eat crabs" after learning that the financial private network online mortgage registration service was launched in Beijing. After signing the contract and power of attorney with the bank, he can successfully handle the mortgage business without going to the real estate registration hall.
From 9: 3 am yesterday to 1: 2 am yesterday, Mr. Xu's procedures took less than an hour, making it the first mortgage registration business in Beijing through the financial private network.
Subsequently, colleagues from Bank of Beijing Hepingli Sub-branch came to Haidian District Real Estate Registration Hall to get the real estate registration certificate. It took only three hours from applying for mortgage to getting the real estate registration certificate, so customers no longer had to run around and wait in line.
after the opening of "one-stop" processing, the average processing time of mortgage registration was reduced to less than 24 hours, and the speed of loan issuance was greatly improved. The borrower only needs to go to the bank outlet once, and the bank can submit relevant materials online through the "financial private network", and get the query feedback from the real estate registration center in real time, and complete all the processes of real estate mortgage loan application, approval, online mortgage registration, etc. The loan cycle is greatly shortened, the application materials are greatly simplified, the convenience of obtaining credit and the customer experience will be significantly improved, effectively solving the problems of "slow lending", "difficult appointment" and "mortgage complex" and the resulting bridge crossing and mortgage.
seven banks, including ICBC, were launched in the first batch
At the same time, through the "financial private network", banks can also query collateral information in real time and in batches, grasp the registration status of collateral at any time and take risk prevention and control measures in time, which is conducive to the overall improvement of the risk prevention and control level of the banking industry.
At present, the first batch of seven banks in Beijing handle the real estate mortgage registration loan business through one-stop banking outlets, including ICBC Beijing Branch, China Construction Bank Beijing Branch, Bank of Communications Beijing Branch, China Merchants Bank Beijing Branch, Minsheng Bank Beijing Branch, Bank of Beijing and Beijing Rural Commercial Bank. By noon on the 3th, all banks had inquired about 25 items of real estate registration information online, and all the inquiry results achieved a second-level reply. Completed 5 mortgage registrations.
For the mortgage loan business of small and micro enterprises handled by China Industrial and Commercial Bank Beijing Branch, it takes one day for the bank to approve the loan, eight minutes for the bank to initiate the application for real estate registration online, ten minutes for the Haidian Real Estate Center, and two working days for the enterprise to apply and lend money.
Two-way connection of Beijing's "financial private network"
In order to deepen the spirit of "streamline administration, delegate power, strengthen regulation and improve services" reform, effectively solve the financing difficulties of small and micro enterprises, and effectively promote the deployment of the capital to optimize the business environment, Beijing decided to take the lead of the Beijing Banking Insurance Regulatory Bureau, with the concerted efforts of relevant departments in Beijing, and the banking institutions within its jurisdiction actively participated in the construction. It took seven months to realize two-way connection of the "financial private network", which was the first in China at the provincial level.
Making "information run more errands and people walk less" is an important measure for Beijing to optimize the business environment and facilitate the people and enterprises this year, and it is also an important work for the regulatory authorities to improve the efficiency of financial services and the level of banking services to the real economy. According to the requirements of the Notice of the Ministry of Natural Resources and China Banking and Insurance Regulatory Commission on Strengthening Service Cooperation for Convenience and Enterprises, the Beijing Municipal Commission of Planning and Natural Resources and the Beijing Banking Insurance Regulatory Bureau jointly set up a "Special Class for Convenience and Enterprises" and realized "one-stop" handling of real estate mortgage loans based on the "financial private network".
It is reported that Beijing's "financial private network" mainly carries real-time transaction business functions such as real estate mortgage registration, cancellation and information inquiry in the initial stage, and will soon realize full coverage of major banking institutions within its jurisdiction. In the future, it will further expand more business modules and functions, realize the interconnection between more banking institutions and more government departments, and break through data barriers, which is of great significance for alleviating the financing problem caused by the information asymmetry between banks and enterprises and comprehensively optimizing and improving the business environment in Beijing.