Text / Deputy President of Sichuan Branch of China Postal Savings Bank Chen Jie
General Manager of the San Rural Finance Department of Sichuan Branch of China Postal Savings Bank Shu Xiangdong
Postal Savings Bank Sichuan Branch has been established to always implement the responsibilities of a large state-owned bank, focusing on serving the "three rural areas", serving small and micro, and serving the real economy, and strongly supporting the province's poverty alleviation and rural revitalization, and becoming a new force supporting the local economic construction of Sichuan, especially supporting the development of the "three rural areas". Up to now, the balance of various loans of the Sichuan Branch of Postal Savings Bank of China has exceeded 300 billion yuan, ranking fifth among the industry in the province, of which the balance of agricultural loans exceeds 87 billion yuan, and agricultural loans account for nearly 30% of the total loans in the bank. The balance of personal operating loans exceeds 47 billion yuan, ranking fourth in the province in terms of market share, and has provided credit support to 250,000 business owners in the province. The Sichuan Branch of Postal Savings Bank of China has successively won the honors of " National Civilized Unit ", "Sichuan Province May 1st Labor Certificate", "Serving the People's Livelihood and Supporting the Real Economy Social Responsibility Award", "Best Small and Micro Financial Service Bank Award", "Sichuan Province Financial Precision Poverty Alleviation Advanced Collective", "Serving Rural Revitalization Advanced Unit" and other honors. It has been rated as "excellent" in the assessment and evaluation of banking institutions serving rural revitalization in Sichuan Province for two consecutive years. There are only 2 banking financial institutions in the province, and the related work has been fully recognized by the provincial party committee and the provincial government.
April 2021 People's Bank of China , Ministry of Agriculture and Rural Affairs and seven other ministries and commissions issued the "Notice on Organizing and Carrying out the Demonstration Project of Financial Technology Empowering Rural Revitalization", and since it included Sichuan as a pilot province for the demonstration project, the Sichuan Branch of Postal Savings Bank of China actively responded to the arrangements of the People's Bank of China and fully participated in the construction of the demonstration project construction of the demonstration project project of financial technology , and improved the ability of financial services to serve rural revitalization.
00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000 The project takes unified rural passenger transport logos, greeting station (card), vehicle appearance, and employee labels as the main tasks, and build a rural passenger transport service system that satisfies the people. In the same year, the Sichuan Provincial Department of Transportation and the Sichuan Branch of the Post Group jointly created the "Jintong Project + Tianfu Transportation" brand, promoted the integrated development of rural passenger transport, freight, and postal express delivery, coordinated the solution of the three "last mile" problems of happy travel, logistics distribution, and postal delivery, and strived to improve the ability and level of the transportation industry to serve people's livelihood and economic and social development, and support the rural revitalization strategy.
In order to fully support the "Jintong Project + Tianfu Transportation and Postal Transport" project and provide credit funding support to rural passenger transport entities, the Sichuan Branch of Postal Savings Bank of China combined with the rural revitalization demonstration project, with the support of the Chengdu Branch of the People's Bank of China, joined hands with the Sichuan Branch of the Postal Group and the Sichuan Provincial Department of Transportation to create a financial technology-enabled rural revitalization demonstration project with the "Rural Passenger Transport Credit Services based on big data technology", namely "Jintong Project - Passenger Transport Loan". The project comprehensively uses big data, Internet of Things and other technologies to build a credit risk assessment model, provides credit services to rural passenger transport companies and drivers, supports their production and operation, and provides travel convenience for rural farmers.
In order to do a good job in promoting the project, the Sichuan Branch of Postal Savings Bank of China and the Sichuan Branch of Postal Group Company strengthened organizational leadership and issued the "Action Plan for the Demonstration Project of Coordinated Promotion of Financial Technology Empowering Rural Revitalization in Postal and Bank". According to the time nodes required by the People's Bank of China, a detailed work plan and promotion plan were formulated, and the specific work of the project was divided into responsibilities, providing policy support and guidance for project construction, and comprehensively promoting the rapid implementation of the project.
technology empowers,
creates a new model of rural passenger transport credit service
First of all, "Jintong Project - Passenger Transport Loan" uses vehicle network technology to collect the driving behavior data of rural passenger drivers during transportation , and collects driver's driver's driver's license deduction records to fully grasp the vehicle's driving situation and driver integrity. Secondly, big data technology is used to analyze and study the collected data, provide drivers with more objective evaluation and assessment, and classify driver integrity, comprehensively judge the operating and management capabilities of rural transportation enterprises and the driver's willingness to fulfill their contracts, and provide auxiliary basis for drivers and rural transportation enterprises in terms of credit limits and interest rate discounts. In terms of financial services, mobile payment technology is used to promote the further electronicization, convenience and paperlessness of rural passenger tickets, and help green and low-carbon travel. Further innovate and apply digital RMB , and use digital RMB to distribute various financial subsidies to transport companies and drivers within the scope permitted by the policy.
This project comprehensively uses vehicle networking, big data, and mobile payment technology. On the premise of obtaining the authorization of rural passenger transport drivers, the Tianfu "Transportation and Postal" platform of the Sichuan Provincial Department of Transportation introduced the road transportation assessment results data and vehicle operation data of rural passenger transport drivers, integrated with in-store data to analyze and judge the driver's credit status, provide a basis for credit, and alleviate the pain points and difficult problems such as difficulty in risk assessment and lack of collateral for rural passenger transport operators. At the same time, QR code payment is applied to the scenario of rural passenger ticket purchase, providing convenience for rural people to purchase tickets, and using digital RMB to distribute various subsidy funds for transportation companies and drivers within the scope permitted by the policy, so as to achieve timely, full and transparent distribution of subsidy funds.
Postal Savings Bank Sichuan Branch has always put customer information security first in the process of scientific and technological innovation serving rural revitalization. First, before obtaining and collecting customer data, the customer must obtain personal authorization, and clearly inform the customer of the scope and purpose of the data collection. However, the customer data is not collected excessively and the data is not used outside the scope of customer authorization. Second, we adhere to the principle of "minimum authorization" in the process of data use, ensure that the scope of use of customer information is limited to the necessary authorization, and prevent illegal use or access to customer sensitive information. The third is to ensure that the data source must be legal and compliant, and only legal data is obtained for risk prevention and control. Fourth, use special communication lines and advanced encryption methods to ensure data transmission and storage security in data transmission and storage. Fifth, after the customer data is used, the stored customer data will be destroyed immediately.
Through multi-dimensional analysis and utilization of rural passenger passenger group data, it realizes accurate loan issuance of rural passenger groups. The purpose of the loan is mainly used to pay for vehicle purchase costs, management and maintenance costs, etc. Among them, the rural passenger credit service process is integrated, transforming window services into mobile services. Postal Savings Bank fully utilizes the advantages of online and offline resources, simplifies loan processing procedures, and realizes the digitalization of micro-loan application, approval, loan, and full process, improves business processing efficiency, and improves customer experience.
has blossomed, embarking on a new journey of rural service
In Zhaojue County , rural passenger transport income has become the main source of family income for this group. In recent years, due to factors such as the epidemic and rising oil prices, rural passenger revenue has declined, resulting in many passenger drivers being unable to replace vehicles on time and purchase vehicle insurance on time. In response to this kind of situation, the Zhaojue County Branch of Postal Savings Bank of China actively integrates into the overall situation of local economic and social development, and launched the "Jintong Project - Passenger Transport Loan" under the guidance of the provincial branch to alleviate financing difficulties for Zhaojue County's rural passenger transport, and use financial technology innovation to help the transportation industry, consolidate and expand the results of poverty alleviation and effectively connect it with rural revitalization.
Postal Savings Bank Zhaojue County Branch adopted the "online + offline" service method, and immediately contacted rural drivers in the county to establish a WeChat contact group, and published relevant information on "Jintong Project - Passenger Transport Loan" within the group, and branch employees carefully answered the questions raised by customers.At the same time, we visited the centralized parking lot of rural passenger vehicles in Zhaojue County for business publicity and provided financial services one-on-one on-site. Through investigation and approval of customer situations, financial loan support is provided to them, and the difficulties of rural passenger transport customers have been solved.
In order to provide more comprehensive services, Zhaojue County Postal Branch and Xiyun Group Zhaojue Branch signed a cooperation agreement on the "small yellow car" carrying mail, integrating Jintong project drivers and postal deliverymen, using the surplus space of the "small yellow car" of Jintong project to transport small mail and goods, opening up the "last mile" two-way channel for rural people to send and receive express delivery and consumer goods to the countryside, effectively solve the shortcomings in rural logistics capabilities, and promote the rapid development of rural revitalization.
In the future, the Zhaojue County Branch of Postal Savings Bank of China will further strengthen the development of internal and external customer groups and the use of data resources through technological means and big data analysis, bring financial vitality to the people, and empower rural revitalization with technology. After the successful pilot project of the "Jintong Project" rural passenger transport loan project in Zhaojue County, Liangshan Prefecture, Sichuan Province, the Sichuan Branch of Postal Savings Bank of China will gradually promote it in ten cities and prefectures in Sichuan Province together with the Provincial Department of Transportation and the Sichuan Branch of the Postal Group, and ultimately cover the rural passenger transport group in Sichuan Province, effectively solve their financing difficulties, truly implement the financial services of rural areas, promote rural revitalization with the power of finance, and contribute the strength of Postal Savings to local economic development.
conclusion
Postal Savings Bank Sichuan Branch will unswervingly adhere to the strategic positioning of serving the "three rural areas and rural areas", make full use of the opportunity of the demonstration project of empowering rural revitalization in financial technology, expand and innovate rural financial products, deepen and explore the use of new generation information technologies such as big data, Internet of Things, blockchain, satellite positioning technology, remote sensing technology, 5G, etc., realize the effective integration of financial products and information technology and service innovation, activate the vitality of the rural financial market, and make due contributions to the construction of a beautiful and happy new countryside.
(column editor: Yang Kunhua)
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