When the patient Sister Wang is discharged from the hospital, the insurance claim is synchronized with the medical insurance settlement, so there is no need to advance funds and avoid running errandsThe core enterprise of the financial health of the upstream and downstream ** chain enterprises that cannot be penetrated by traditional means has been approved with a pure credit credit of 50 million yuanThe small enterprises of pig bristle products, which were originally supported by torment, received a response half a day after the financing application was released......Behind the series of "one thing at a time" is not only the attempt of digital transformation of financial institutions, but also the efforts of regulatory authorities to build a digital regulatory ecosystem.
To do a good job in digital finance, the development model of financial institutions using digital technology to provide personalized, customized and intelligent financial services has gradually become well-known. So, as an important participant in the financial market, how can the financial regulatory authorities promote the digital transformation of regulatory work?What role do they play in the process of participating in the construction of digital finance?During the second batch of theme education, brokerage China reporters visited and investigated many places in Chongqing, ** the answers to the above questions.
Worry-free: less errands for one-stop claims.
I don't have much culture, so I'm annoyed if I'm asked to run here and there (submit all kinds of claims). A year ago, Sister Wang was diagnosed with breast cancer, and the protection of "Yu Kuaibao" shared her medical expensesAt the same time, the insurance is connected to the basic medical insurance system, and the "one-stop claim" has become the best "additional service" for Sister Wang's body when she is discharged from the hospital.
It is understood that "Chongqing Kuaibao" is a customized supplementary medical insurance solution launched by the Chongqing Supervision Bureau of the State Administration of Financial Supervision and Administration (hereinafter referred to as the "Chongqing Supervision Bureau of the State Administration of Financial Regulation") based on the age structure, urban and rural structure and income structure of Chongqing's population to solve the pain point of "heavy burden and low protection" of residents' medical insurance.
At present, there are not a few cities that have launched inclusive supplementary medical insurance, and the special feature of "Yu Kuaibao" is that it breaks through the information barriers between the insured, medical institutions and insurance companies to realize the instant settlement of medical expenses. Through digital scenarios, "Yu Kuaibao" has now realized "data sharing + business collaboration" among 2,107 hospitals, 12 pharmaceutical companies and 13 insurance companies in the city, as well as financial regulators and industry authorities. This is also the key to patients like Sister Wang being able to "settle claims without feeling".
Jin Yanfang, director of the Life Insurance Division of the Chongqing Supervision Bureau of the State Administration of Financial Regulation, told reporters that there are two main sticking points for medical insurance and various commercial insurance to achieve synchronous adjustment and one-stop claims: first, the claim funds need to be paid by the hospital, and second, the security of medical insurance data needs to be guaranteed. The reason why Yu Kuaibao can achieve one-stop claim settlement is that it first solves the problem of hospital advances.
At present, we take the form of hospital advance payment and prepayment of insurance premiums. Jin Yanfang pointed out that in the early operation, it was found that most of the reimbursement was concentrated in the top 30 to 50 hospitals in the city, and for these hospitals, part of the insurance money could be prepaid first.
As for the embedding of insurance claim rules into the hospital settlement system, it is realized by the "Jinyu Network" and the financial insurance network of medical insurance. "This kind of connection, it is possible for insurance companies to cooperate with one or several hospitals on a point basis, but it is very difficult to achieve the overall opening of more than 2,000 hospitals in the city. Jin Yanfang said frankly.
The key reason why it is difficult is because of the security of the data. In June this year, the National Health Insurance Administration issued the "Work Plan for "Two Combinations and Three Empowerments" of Medical Insurance Data", which clearly stated that it is necessary to strengthen the vertical and horizontal integration of medical insurance data, strengthen the empowerment of medical insurance data for medical insurance reform, management and services, and fully stimulate the value of medical insurance data elements.
Prior to this, the Chongqing Supervision Bureau of the State Administration of Financial Supervision has carried out relevant cooperation with the Chongqing Medical Insurance Bureau. Jin Yanfang believes that the main reason why the Chongqing Medical Insurance Bureau is willing to cooperate is because of their existing network data construction - there is a platform such as "Jinyu Network".
Media: Connecting financial data and government data.
The digital transformation of regulation needs to be accelerated, and there is still a gap between regulatory technology and the digital level of the industry. Brokerage China reporters recently learned from the Liangjiang Supervision Branch of the State Administration of Financial Supervision and Administration (hereinafter referred to as the "Liangjiang Branch of the State Administration of Financial Regulation") that the State Administration of Financial Supervision and Administration has clearly put forward issues related to the digital transformation of supervision in the theme education work.
The relevant person in charge of the Chongqing Supervision Bureau of the State Administration of Financial Supervision told reporters that as a strongly regulated industry, the financial regulatory department can play a unique role in the chain of operation of the modern financial industry because of its dual identity.
On the one hand, as a member of the financial market, regulators have access to a large amount of high-quality data on economic activityOn the other hand, as a leading authority, the financial regulatory department has a natural advantage in opening up government affairs data.
Under the premise of ensuring data security and data desensitization, the financial regulatory authorities can be used as the hub and medium, so as to realize the efficient integration and use of financial data and government affairs data, and use data to drive the financial industry to serve the real economy and people's livelihood with high quality. The person in charge said.
In this context, Jinyu Network is not only the financial network infrastructure of Chongqing, but also an incubation platform for the construction of various digital financial application scenarios. Specifically, since 2020, Jinyu Network has built a number of business collaboration scenarios in four categories: benefiting enterprises, benefiting the people, benefiting the government, and benefiting the bank, and Chongqing Kuaibao is an important practice in the "Huimin" scenario.
According to reports, Jinyu Network has collected the government affairs data of 58 committees and bureaus and relevant public service units in the city18.5 billion. The focus includes industrial and commercial information, tax information, etc.
Li Yunze, Secretary of the Party Committee and Director of the State Administration of Financial Supervision and Administration, pointed out in an interview with Xinhua News Agency a few days ago that one of the aspects of strengthening regulatory protection is to speed up the construction of a regulatory big data platform and make full use of scientific and technological means to quickly and effectively identify and accurately lock financial risks.
Brokerage China reporters learned that in order to solve the current difficulties in the risk management and control of banking institutions, the Chongqing Supervision Bureau of the State Administration of Financial Supervision has also launched a regulatory data sharing scenario on the Jinyu network this year, including three scenarios, including the verification of public flows, the return of corporate credit funds and the misappropriation of corporate credit funds. At present, 13 pilot banks, including ICBC, have used three application scenarios to make more than 600,000 inquiries and discovered risky loans in a timely manner1$2.9 billion.
The pilot also faces issues such as higher-level regulations for regulatory data sharing and authorization from the General Administration, and we are actively working on it. The relevant person in charge of the Chongqing Supervision Bureau of the State Administration of Financial Supervision said.
Build the platform: Iron out the information difference and standard deviation.
Zhang Xiaojing, director of the Institute of Finance of the Chinese Academy of Social Sciences, recently wrote an article pointing out that to do a good job in digital finance, we must focus on the goal of improving quality and efficiency and preventing and controlling risks. In practice, the regulatory authorities need to solve the same problems of "quality" and "efficiency" of financial services.
We always talk about guiding banking and insurance institutions to serve the real economy, and it is necessary to guide them only because of the lack of servicesThis lack may be a problem of service side, or it may be a problem of service efficiency", Lu Yu, director of the Inclusive Finance Division of the Chongqing Supervision Bureau of the State Administration of Financial Regulation, said that for the regulatory authorities, "supervision" is relatively simple, because there are mandatory assessment standards, but from the perspective of the development of the entire economic and social operation, to make up for shortcomings, strengths and weaknesses, and solve problems, it is necessary for the regulatory authorities to play more "guidance" functions.
Lu Yu believes that the real difficulties of banking and insurance financial institutions in serving the real economy are two: information difference and standard deviation.
The so-called information gap is "you can't find me, I can't find you" - financial institutions can't find target customers, enterprises can't find institutions that can provide financial services, "the most basic logic of digital finance, in fact, is to solve the information gap", Lu Yu pointed out.
Standard deviation is another problem encountered in the current digital transformation process of institutions, and it is also a problem that regulators are committed to solving.
What is Standard Deviation?Traditional financial institutions, to carry out risk portraits of enterprises, the most direct is the financial indicators, but at present, many enterprises do not meet the traditional standards", Lu Yu pointed out, to build a system platform such as Jinyu.com, formally to solve the problem of standard deviation. "That's why we put together more than 960 billion account-level transaction-level financial data, spent three years on data governance, and reduced the data anomie rate from 07% down to 01%, and then to the current 003%。”
In the past year and a half of operation, about one-tenth of the enterprises in Chongqing have completed real-name registration on Jinyu.com. Successfully registered enterprises will establish a column of "credit information business card", which includes tax data, provident fund data, etc., Lu Yu revealed, the next Chongqing Intellectual Property Office to grasp the intellectual property rights, copyright data, etc., will also be connected to the system. In addition, the three new mechanisms of "financial chain chief", "financial consultant" and "industry expert database" have been officially released on December 8.
Through these new mechanisms, the Chongqing Supervision Bureau of the State Administration of Financial Supervision will jointly model with a number of institutions, including China Construction Bank, Bank of Communications, China CITIC Bank, Zheshang Bank, Minsheng Bank and other head offices, "use the scientific and technological strength of institutions and our data to describe the real development ability, development level and risk resistance of enterprises, and 'hit' everyone's standards to the same channel, and the follow-up corporate financing effect will be better." ”
Matchmaking: Better play the role of financial leverage, guidance and amplification.
Doing these things is ultimately for one thing: financing matchmaking, bank-enterprise and insurance enterprise docking, the traditional way is one-to-one, and now when we talk about digital finance, we want to be based on data, and we provide you with the function of modeling and batch identification. Lu Yu said.
After the enterprise initiates the financing demand, the Jinyu platform will issue a work order to the corresponding bank, and the designated bank will arrange the branch and the credit officer to provide docking services. At present, there are more than 1,315 bank outlets and 3,590 customer managers on the platform, and the regulatory authorities can choose to view the order processing data and efficiency one by one, or monitor and analyze them line by line through the statistical indicator system, and accordingly use window guidance and other measures to guide and supervise the improvement of service efficiency.
What exactly does digitalization entail?Lu Yu said frankly that in fact, it is to better play the role of leverage, guidance and amplification of finance. So how to give full play to these effects of finance in matchmaking?
Zeng Yulu, deputy director of the Liangjiang Branch of the State Administration of Financial Regulation, pointed out for example that in the early stage of the bank's loan to a new display manufacturing enterprise, it is necessary to analyze the capital flow of the upstream and downstream enterprises of the first chain, "banking institutions to do this has no bottom, the financial statements of the enterprise itself are very healthy, but the capital flow can be traced back to the upstream businessmen, downstream dealers, their capital situation is not very clear."
With the help of the "33618" digital financial service system currently being tested by Jinyu.com, the regulatory authorities found that this company is in a relatively core position in the new display industry cluster, and the health of the upstream and downstream enterprises that can be affected is also relatively good, "On this basis, we have made some guidance to banking institutions, of course, some data is inconvenient to disclose to them, just to introduce to both parties, and finally this enterprise was approved as a pure credit credit of 50 million yuan."
Zeng Yulu introduced that after the completion of the test of the "33618" digital financial service system, three core functions will be launched: the monitoring and analysis function of the capital trend of the industrial chain group, and the decision support for the first and relevant competent departments to extend the chain, supplement the chain and strengthen the chain;The monitoring and analysis function of financial services in the industrial chain group provides support for the policy formulation and optimization of regulatory departments and competent departmentsThe on-chain enterprise batch portrait function provides support for financial institutions to use models to identify and serve enterprises in batches.
Lu Yu said that judging from the test situation, this system has had a good effect on the financial chain extension service - in the third quarter of this year, the growth rate of manufacturing loans in Chongqing increased by 0 compared with the second quarter4 percentage points, of which the growth rate of medium and long-term loans reached 27%, an increase of 5 percentage points from the second quarter.
Editor-in-charge: Luo Xiaoxia.
Proofreading: Zhu Tianting.
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