In recent years, with the rapid development of urban construction in our country, many new professions have emerged, and hundreds of millions of rural people have poured into the city with dreams, integrating into the local area and becoming "new citizens". China Banking and Insurance Regulatory Commission and People's Bank of China recently jointly issued the "Notice on Strengthening Financial Services for New Citizens", which pointed out that it is necessary to provide professional and diversified financial services for "new citizens", increase financial support, and effectively Enhance new citizens’ sense of gain and happiness.
Ping An Puhui Qingdao Branch uses financial technology to help "new citizens" make up for the shortcomings of lack of flow data and insufficient collateral. During the epidemic, the "Nine Major Service Commitments" were launched to provide Qingdao "new citizens" small and micro enterprises with a better sense of access and experience in financial services with a more "time-saving, worry-free and money-saving" service experience in the "three provinces" Feeling and enhancing the yearning for a better life.
Take advantage of the digital platform to provide "time-saving" services for Qingdao small businesses
Mr. Qu came to Qingdao to start a business in 2019 and opened a furniture company. After the epidemic, facing the gradually recovering production demand, Mr. Qu prepared to purchase a batch of raw materials in large quantities to seize market opportunities first. "Seeing that my peers are starting work in full swing, I feel very anxious. Of course, the sooner the funds are available, the better. I am working hard in Qingdao alone, and I don't want to talk to my family and make them worry." Xiao Duan, a consultant at Ping An Puhui Qingdao branch, visited during the resumption of work I learned about Mr. Qu's situation at that time and formulated a detailed financing plan for him. On the same day, I received 300,000 yuan in financial support to fully prepare for the resumption of work and production. "Now our company's employees, machines, and materials are ready and can be put into the market immediately." Mr. Qu said happily.
With the vigorous development of inclusive finance, the scale of small and micro credit has been significantly increased, showing a trend of rising volume and falling prices. The problems of "financing difficulty" and "financing are expensive" have been initially solved, but at the same time, they also face processing procedures. Pain points such as cumbersomeness, low efficiency, and poor customer experience. In order to solve the pain points in inclusive finance, Ping An Puhui integrates AI, big data and other technologies, striving to provide a set of barrier-free products to allow Qingdao’s “new citizens” to experience a more “time-saving” service process.
"Xingyun" is Ping An Puhui's launch of a set of AI smart loan solutions. This solution uses artificial intelligence as the core to transform the small and micro credit business process and achieve at least zero text input and full humanoid AI face-to-face service. Experience, significantly reducing waiting time, reducing breakpoints in the loan application process for small and micro customers by 47%, and reducing the average time spent on the application process by 44%, truly allowing Qingdao’s “new citizens” to experience a time-saving service process. Since December 2021, 160,000 small and micro business owners have successfully obtained loan services through the "Xingyun" program. The shortest time from application to disbursement is only 13 minutes, enjoying a "quick and smooth" experience.
Technology expands the radius of financial services and creates a "worry-free" experience for Qingdao small and micro businesses
Ms. Liu runs an equipment company in Qingdao. She said: "Domestic factories have been affected by the epidemic, production capacity has decreased, and transportation cycles have lengthened. Our equipment has been shipped from order to delivery. Transportation has gone from 2-3 weeks to 1-2 months now, so it is necessary to increase capital investment for stocking up. However, it is becoming increasingly difficult to obtain funds, and the annual loan quotas of local traditional institutions have continued to tighten, causing the company to ship goods. The volume has also been reduced a lot. "The recurrence of the epidemic has caused Ms. Liu's company to experience another "spring cold", which has put greater pressure on the capital chain. To save the company, she sought help from many sources. A friend recommended Xiao Zhang, a consultant at Ping An Puhui Qingdao Branch. Under the professional evaluation and advice of the consultant, Ms. Liu handled the business online through the Ping An Puhui Lu Huirong APP and received a total of 463,000 yuan in financial support.
During this year's " Two Sessions ", many representatives of the National People's Congress in the financial industry said that the problem of information asymmetry between financial institutions and small and micro enterprises has not been well resolved, and the focus of credit services for small and micro enterprises needs to be further reduced.Ping An Puhui has long been committed to broadening the radius of financial services and reducing information asymmetry in financial services through technological means. Increasing the coverage of small and micro enterprises is a major challenge faced by inclusive financial services, and strives to "save worry" for small and micro enterprises in Qingdao experience.
With the support of financial technology, Ping An Puhui has extended the "blood transfusion belt" longer and further through methods such as "opening up human-enterprise data", "operating through the business cycle" and "broadening data sources" to improve the "trustworthiness" of credit for small and micro enterprises. "Get Sex" to provide strong support for more small and micro customers like Ms. Liu.
Focus on key industries in Qingdao, increase quotas and reduce fees, and provide small and micro enterprises with a "saving money" service experience
It is reported that , Ping An Puhui Qingdao Branch has upgraded the "4+1" special support plan for small and micro enterprises in key industries. On the basis of retaining the original four key industries of wholesale, manufacturing, construction and transportation, scientific service industries will be added around Qingdao according to local conditions, forming a "4+1+1" industry small and micro support plan with local characteristics. At the same time, three major support measures have been launched: first, to increase the loan amount and reduce fees for small and micro business owners in key industries; second, to make repayment methods more flexible to facilitate the turnover of small and micro businesses; and third, to provide faster and more convenient service experience. Starting from the fact that financing is difficult and expensive for small and micro enterprises, we take multiple measures to provide a "saving money" service experience.
Mr. Zhang is engaged in construction work in Jiaozhou . The project he invested in at the beginning of the year failed to receive payment as scheduled and he needs to advance funds himself. Mr. Zhang does not have that much money, but if he does not advance the funds, it will not only be difficult to recover the project payment, but he will also lose existing customers. When he was frowning, Mr. Zhang saw the news posted by Xiaowen, a consultant of Ping An Puhui Qingdao Branch, on WeChat Moments that the industry he was engaged in happened to be included in the special support plan. Mr. Zhang had already handled business with Ping An Puhui before, so he contacted the consultant. Xiaowen helped Mr. Zhang apply online and received 463,000 yuan in financial support that day.
In order to help solve the practical difficulties of small and micro business owners affected by the epidemic, Ping An Puhui Qingdao Branch launched a series of other measures including "Nine Service Commitments", fee reductions and quota increases, product discounts and other measures to assist enterprises severely affected by the epidemic. The industry has increased support and upgraded special plans to help "new citizens" take root in the island city of .
Accurate drip irrigation of small and micro enterprises and the participation of financial institutions are required to serve the real economy. Ping An Puhui takes the "full online business process + offline consulting service" model as an example. Relying on the advantages of offline customer acquisition, risk sharing, technological innovation and other full-process elements, it has successfully cooperated with major banking entities in the long term, especially the majority of small and medium-sized banks. Many inclusive small and micro enterprises provide financial services. As of the end of 2021, the cumulative number of people served has reached 16.8 million households, 80% of which went to small and micro business owners.
Financial activities are small and micro activities. Ping An Puhui Qingdao Branch will give full play to its own advantages to provide small and micro services in a more focused and "focused" manner, guide the allocation of financial resources to key areas and weak links in economic development, and allow smart credit to fully empower and serve small and micro businesses. While minimizing economic growth, we will accelerate the accuracy and efficiency of matching financial resources to the needs of the real economy and support the high-quality development of the real economy. In the future, Ping An Puhui Qingdao Branch will leverage its advantages to further serve Qingdao's "new citizens" small and micro businesses, practice inclusive finance, and provide "worry-free services" to more small and micro business owners through multi-dimensional technological innovation and financial ecological assistance. , save time, save money” service experience, empowering the high-quality development of Qingdao’s real economy.
