First, financial technology releases innovation vitality.
1, "The exploration and practice of new finance make us deeply realize that customer behavior changes due to technology, and improving financial services must also be driven by technology." Tian Guoli, Chairman of China Construction Bank, repeatedly emphasized the importance of technology-driven to improve financial services. In recent years, China Construction Bank has continuously promoted technological upgrading and iterative development, and is committed to creating a new form of banking services that integrates technology application and business innovation, providing ubiquitous services.
2. In Rongxing Branch of China Construction Bank, investors experienced the remote "one-to-one" expert service of the intelligent teller machine with 5G signal. If you can't operate the equipment by yourself or have product questions, remote experts will give guidance and answers on the same screen, and the communication process will be carried out in the cabin, and the door will be automatically atomized to protect the privacy of customers. "5G technology supports the remote service of financial services and expands the scope of customer self-service business. At present,' 5 G Smart Bank' can provide nearly 300 common fast financial services. " According to the person in charge of CCB's related business, new application scenarios such as intelligent teller machine, financial space capsule, smart home, space sharing, customer growth interaction, security monitoring, etc. Remote interactive transmission is realized through 5 G.
3. In the "Three Strategies" of China Construction Bank, financial technology uses modern technologies such as big data, follows the law of financial essence, develops banking business, innovates banking services, and promotes the high-quality development of China Construction Bank.
Second, efforts should be made to broaden the service coverage of inclusive finance.
1. In recent years, inclusive finance has been highly valued by the state, and banks are also vigorously promoting inclusive finance. Nowadays, in many fields, people's sense of access to financial services has been significantly enhanced. In response to investors' general concern about how CCB can carry out its work in inclusive finance, the relevant person in charge of CCB's inclusive finance business department said that CCB should start from serving the overall situation, pay attention to the people's "living and working", build a "CCB model" to serve inclusive finance with the help of emerging scientific and technological innovations, focus on solving the financing difficulties of small and micro enterprises, and open up the "last mile" for the flow of financial water to small and micro enterprises. By the end of the first half of 20 19, China Construction Bank had provided loans exceeding 1.2 trillion yuan to 830,000 customers.
2. For example, in serving small and micro enterprises, CCB focuses on the characteristics and needs of small and micro enterprises, and uses emerging technologies such as big data, Internet and cloud computing to innovate the "five-oriented" mode of serving inclusive finance, namely, obtaining customers in batches, accurate portraits, automatic approval, intelligent risk control and comprehensive services, and realizing "one-minute" financing, "one-stop" service and "one-price" charging.
Third, the "workers' harbor" cares for people's livelihood with financial resources.
1. While vigorously developing its main business, China Construction Bank is also actively fulfilling its social responsibilities and repaying the society. The warm "laborer harbor" left a deep impression on the investors who participated in the activity that day. Since 2065438+July 2008, China Construction Bank has built a "workers' harbor" in the whole bank, further opened the service resources of outlets, provided temporary rest services for outdoor workers and other workers, and provided humanized services for special groups such as the old, the young, the sick, the disabled and the pregnant.
2. "You can rest when you are tired; If you are thirsty, you can drink water; There is no electricity to charge, and the meal can be heated when it is cold. " It is understood that "Laborer's Harbor" combines the national standards for network services and industry evaluation standards to upgrade and improve the network facilities for benefiting the people, providing basic service facilities such as drinking fountains, lounge chairs, Wi-Fi, mobile phone chargers, books and reading glasses, as well as emergency service facilities such as rain gear and first aid kit. Conditional outlets have also opened toilets, provided service facilities such as wheelchairs and barrier-free ramps, and humanistic care facilities such as maternal and child rooms, strollers and microwave ovens to better serve special groups. In order to make it convenient for workers to use the "Laborer Harbor" service, China Construction Bank launched the "Laborer Harbor" mobile APP, which realizes automatic push of nearby harbors, rapid access to service resources, accurate positioning and intelligent navigation.
3. Up to now, CCB has opened "labor harbor"10.43 million and opened toilets10.06 million, with a cumulative offline service of more than 93 million people and online users of more than 8.2 million. "Harbor for Laborers" explains the feelings that China Construction Bank cares about people's livelihood and builds a better life with financial strength.