In recent years, digital technologies such as the Internet, big data, and cloud computing have accelerated innovation, and the digital economy is becoming a key force in reorganizing factor resources, reshaping the economic structure, and changing the competitive landscape.
China CITIC Bank continues to promote the digital transformation and intelligent transformation of inclusive finance, and gradually establishes a relatively complete development model of digital inclusive finance. In the past five years, the balance of inclusive financial loans of China CITIC Bank has increased from 130 billion yuan to 530 billion yuan, and the number of borrowers has increased from 80,000 to 280,000, with an average annual compound growth rate of more than 30%.
Each beating data is a wonderful interpretation of China CITIC Bank's active practice of digital inclusion.
Digital transformation
Broaden the breadth of inclusive financial services
Build a digital product system to cover more customer groups. China CITIC Bank has innovatively established an innovative experimental field mechanism for inclusive financial products in the industry, built a product research and development credit factory in accordance with the model of "streamlined operation, modular assembly, and open docking", shortened the production cycle of new products to about two weeks, and established a "CITIC Easy Loan" digital product system with "full product categories, wide customer coverage, multiple guarantee methods, long loan terms, and flexible withdrawal methods" to meet the financing needs of different types of small and micro enterprises.
For example, China CITIC Bank has developed an "order e-loan" based on the big data of orders signed by small and micro enterprises and core enterprises and historical fulfillment to support the capital needs of upstream small and micro enterprises for order productionRelying on the interconnection of ERP system data and channel data of core enterprises, we have developed "distribution e-loans" to support the bulk ordering capital needs of downstream small and micro enterprisesRelying on the data of "specialized, special and new" patents, the development of "science and technology innovation e-loan" to achieve "fast lending, borrowing and repayment" has helped 5,500 "specialized, special and new" small and micro enterprises to carry out "neck" technology research and development, with a loan balance of nearly 40 billion yuan.
Improve electronic service channels and extend the service radius. In recent years, China CITIC Bank has accelerated the leap of financial services from "offline" to "handheld", improved online channels such as mobile banking, online banking, and WeChat banking, and launched a cloud business hall with 7 24-hour ** service, supporting customers to achieve "one-click application", "one-click credit", "one-click loan" and "one-click repayment" through mobile channels, extending the service radius of physical outlets, so that more small and micro enterprises can enjoy convenient and fast financial services.
Intelligent transformation
Improve the accuracy of inclusive financial services
Upgrade the intelligent marketing platform to serve customers accurately and efficiently. China CITIC Bank continues to improve the intelligent marketing platform of "one enterprise, one policy, thousands of people, thousands of faces" on the PC and mobile terminals, embeds data-driven precision marketing and business opportunity management into the whole marketing process, establishes a multi-dimensional customer evaluation index system, launches modules such as data analysis, precision marketing and data customer acquisition, displays customer characteristics, potential needs and value potential in real time, and assists account managers to formulate differentiated and comprehensive service plans according to the characteristics of the enterprise, and accurately market potential customers, thereby greatly improving marketing efficiency.
Iterative intelligent risk control platform to proactively and effectively prevent and control risks. China CITIC Bank adheres to the business orientation of "real small and micro enterprises, real operation", and continues to optimize the digital risk control system covering pre-loan, loan and post-loan. Pre-loan,Integrate public data such as industry and commerce, taxation, credit investigation, and justice, combined with the production and operation data of small and micro enterprises, establish a unified risk view and identity authentication system, and intelligently identify potential risks. Loan,Relying on real transaction scenarios, using big data, rule engines and other technologies, we develop intelligent approval models and improve business automation approval capabilities. After the loan,Automatically carry out portfolio monitoring and active early warning from the dimensions of industry, region, product, guarantee, term, etc., promote the automation of the whole process of post-loan management, realize the transformation of risk management from "civil air defense" to "intelligent control", and greatly improve the accuracy of risk management. At present, the accuracy of intelligent risk warning of inclusive finance exceeds 80%, and the automatic inspection rate exceeds 90%.
Conclusion
Standing at a new starting point where the balance of inclusive loans exceeded 500 billion yuan, I believe that China CITIC Bank will become more stable and better on the road of digital inclusive finance.