China Post Group Co., Ltd. Chongqing Branch (hereinafter referred to as China Post Chongqing Branch) actively implements the construction requirements of the Financial Technology Empowering Rural Revitalization Demonstration Project (hereinafter referred to as the "Demonstration Project"), and jointly with the Postal Savings Bank of China Chongqing Branch (hereinafter referred to as the "Demonstration Project") (hereinafter referred to as Postal Savings Bank Chongqing Branch) held a working meeting, established a leading group, established a working mechanism, and clarified construction goals and main work measures. Under the working framework of rural revitalization and digital transformation of "agriculture, rural areas and farmers", we will give full play to our comprehensive service advantages, four-stream resource endowment and years of experience in serving rural areas, and explore the use of big data, " Internet + ", image recognition, smart terminal and other equipment technologies, innovate and improve the service rural revitalization digital inclusive finance model and products with postal corporate characteristics, continuously improve the level of digital service for "agriculture, rural areas and farmers", and actively contribute to rural revitalization. .
Zhang Yong, Deputy General Manager of Chongqing Branch of China Post Group Co., Ltd.
Adhere to the four demonstration project principles and strengthen technological empowerment to promote business innovation
1. Technology leadership. Accelerate the empowerment of postal and financial services by science and technology, actively apply big data, mobile Internet, blockchain and other technical means to improve service quality and efficiency, and strongly support and lead business innovation.
2. Collaborative advancement. Give full play to the postal channel and network advantages throughout urban and rural areas, strengthen the coordination of " business flow ", "logistics", "capital flow" and "information flow", coordinate the strength of various sectors, and form a coordinated service system for the postal service to comprehensively assist rural revitalization.
3. Digitally driven. strengthens platform empowerment, widely connects and integrates internal and external scenarios, continuously improves data acquisition and extraction capabilities, integration capabilities, and value mining capabilities, and builds an open and shared digital inclusive financial ecosystem.
4. Open to cooperation. deepens cooperation with external platforms such as governments and enterprises, actively integrates agricultural and rural production and life scenes, and builds a "big ecology" of "agriculture, rural areas and farmers" services by building many "small scenes" of "agriculture, rural areas and farmers" services.
Technology empowerment channel construction, providing online and offline integrated services that benefit the people and convenience
1. "Digital + Technology" online comprehensive services that benefit the people and facilitate the people. In order to solve the problems such as the lack of sales channels for agricultural products related to agriculture and the imperfect construction of county and rural logistics systems, China Post Chongqing Branch uses online platforms such as Youle.com, Youle Agricultural Products Network, and Youle Store to provide integrated e-commerce sales. It provides an online comprehensive service that integrates agricultural materials, agricultural technology, delivery and rights services; at the same time, it also opens an online live sales channel to display fresh agricultural products in the fields to netizens across the country through mobile terminals to improve sales efficiency. Postal online services have expanded the efficiency and scope of "online sales + online delivery" in the field of "agriculture, rural areas and farmers". As of the end of April 2022, it has provided online sales channel services for more than 100,000 agricultural business entities, carried out 120 online live broadcast activities, cultivated, developed and expanded 5,000 leading agricultural-related enterprises, and helped increase the sales premium of agricultural products by 20%.
2. "Outlet + site" offline comprehensive services that benefit the people and facilitate the people. In order to make up for the shortcomings in rural delivery logistics infrastructure, promote the construction of circulation systems in rural areas, smooth the rural economic cycle, and ensure that agricultural products move from villages to cities, China Post Chongqing Branch combines postal self-owned resources (outlets) and social resources (sites) ), an offline three-level logistics system of “outlets + sites” has been built. At the same time, China Post Chongqing Branch plans to establish a three-level logistics system management platform to collect branch customer data, site customer data, geographical resource data, and agricultural product data through comprehensive network, Internet, mobile and other technologies, and integrate rural big data with agricultural products. The integration of the industrial chain covers all aspects of pre-production, production, and post-production such as agricultural production, transportation, circulation, and sales, realizing offline logistics visualization and improving logistics and transportation efficiency.China Post Chongqing Branch is based on the support of the three-level logistics system of "county-township-village", focusing on farmers' cooperatives, family farms and upstream and downstream business entities in the industry chain, focusing on typical agricultural industry chains such as pepper, rice, vegetables, and poultry. , achieved a transaction volume of 480 million yuan of agricultural products from the village to the city, helped distribute more than 130 million parcels of agricultural products from the village to the city, helped cooperatives save 180 million yuan in delivery and mailing costs, and served more than 10 million villagers. " The service tentacles of "Three Rural Areas and Rural Areas" extend to every corner of Chongqing's rural areas.
Technology empowerment scenario construction, building a convenient platform system to accelerate service sinking
1. Build a government service platform for the convenience of the people. China Post Chongqing Branch innovatively implemented the new model of "Government Affairs + Postal Service", and for the first time in the country implemented postal outlets to handle administrative approval and public service matters. Strengthen people's livelihood services through "more data to run errands, postal services to help, and people to run less errands", and continuously improve the level of equalization, inclusiveness, and convenience of public services. Use big data, "Internet +", image recognition, smart terminals and other technological means to effectively connect governments, enterprises and the masses. China Post Chongqing Branch uses smart terminals deployed in outlets and uses image recognition and other technologies to upload citizens' needs to the government convenience service platform through the Internet. The platform will verify and review the collected data and then pass it to the relevant government departments. Processing system, the government system provides corresponding services based on the data information uploaded from the government convenience service platform. As of the end of April 2022, 479 postal outlets can provide government services, with a maximum of 113 government services; 504 postal outlets provide citizens with services including paying traffic fines and confiscations, applying for a six-year inspection exemption mark, replacing motor vehicle driving licenses, and Four major items and 17 minor items of traffic control services including driver's license and lost license replacement; 1,680 postal outlets provide services such as issuance of ordinary VAT invoices, tax collection and other services, with 6.3793 million invoices issued and tax collection amounting to 80.537 billion yuan. Provide relevant services to more than 5 million citizens.
2. Build a rural convenience service platform. China Post Chongqing Branch uses the Internet, comprehensive network, image recognition, eID and other technologies to create a comprehensive and convenient service platform with wide coverage, attracting external corporate resources such as social express companies, communication operators, water, electricity and gas companies, and card companies to settle in and carry out "1+2+N inclusive financial services to villages" provides villagers with comprehensive convenient services such as mail collection and investment, bus card recharge and convenient payment, and industrial product sales. It also provides social security processing, remittances and withdrawals. Inclusive financial services. Realize that villagers can enjoy a "package" of convenient services such as social security withholding and payment, pension insurance benefits qualification certification, flexible employment provident fund payment, appointment registration, etc., to promote the sinking of public service resources and promote inclusive benefits. Finance and public services empower each other. As of the end of April 2022, the cumulative transaction volume reached 14.17 million, the transaction amount exceeded 1.2 billion yuan, and a total of 2.28 million people were provided with social security card services.
Technology empowers product construction to create convenient and efficient "finance + wealth management" products
1. Provide supply chain financial products. China Post Chongqing Branch leverages the unique advantages of "self-operation + agency" to focus on the needs of upstream and downstream customers and individual farmers in the agricultural industry chain, and continues to promote the widespread coverage of mobile payment in convenient scenarios, increase financial service support for remote rural areas, and provide We provide a wide range of personal and corporate financial services to our agricultural-related customers. The docking introduces external agricultural and rural big data, conducts automatic system scoring and rating based on customer information data, and uses the Internet of Things, blockchain and other technologies to achieve "multi-level credit trust transfer" between leading enterprises in the agricultural industry and upstream and downstream small and medium-sized enterprises, and integrate the system The extracted customers with high credit ratings are recommended to the Postal Savings Bank Chongqing Branch to provide convenient supply chain financial service products to agricultural business entities in the agricultural chain. As of the end of April 2022, customers recommended by China Post Chongqing Branch have received more than 20 billion yuan in inclusive financial loans from Postal Savings Bank Chongqing Branch.
2. Provide Huinong financial products. Postal Savings Bank Chongqing Branch focuses on the three principles of "inclusiveness, accuracy, and safety" to stratify "agriculture, rural areas and farmers" customers, and launches a special "Postal Bank Wealth Benefiting Farmers" financial product for rural areas based on customer characteristics. . China Post Chongqing Branch covers a wide range of rural customers in counties through financial products, fully meeting the diversified financial needs of rural customers. As of the end of April 2022, China Post Chongqing Branch has sold more than 20 issues of Huinong financial products, with sales of nearly 20 million yuan.
Technology empowers data construction and consolidates big data support for rural revitalization
China Post Chongqing Branch is connected with platforms such as rural government affairs, rural public payment, rural "three capital", rural property rights transactions, and new agricultural business entity direct reporting systems, and introduces possible Trusted and traceable data resources. Taking the construction of credit villages as the starting point, we integrate data resources through multiple channels such as external access, offline collection, and internal mining, establish a data integration platform covering most administrative villages and farmers, and carry out multi-dimensional data portraits of administrative villages and farmers. , providing data support for active credit granting and business marketing. Providing product pre-sale services before the harvest of agricultural products has greatly solved the problems of "difficulty in sales and delivery" for rural business entities. As of the end of April 2022, a database of basic information and industrial structure information has been established for 38,000 farmers' professional cooperatives, 23,000 family farms, and 310,000 farmers. It accurately analyzes more than 180 items of customer information and potential needs, and accurately provides differentiated services. Serve.
Technology empowers risk control construction and improves the digital risk control level of "agriculture, rural areas and farmers"
China Post Chongqing Branch adheres to unified data standards and strengthens customer data entry management. Enrich tripartite data on planting, land, subsidies, agricultural machinery, and tax payments, make every effort to make up for the lack of risk data, reduce reliance on manual collection, strengthen automated data collection, and regularly carry out existing data management. At the same time, China Post Chongqing Branch has established a feedback mechanism for model issues to iteratively upgrade online financing product risk models in real time. Adhere to the principle of piloting first and then promoting, and conduct evaluation and verification. Refine the risk control rules and gradually develop the risk control model for different agricultural-related customer groups. Strengthen digital monitoring of business processes and risk control processes, optimize platform early warning functions, improve the accuracy of anti-fraud, anti-money laundering and other models, and strengthen the identification and analysis of customer risk events.
China Post Chongqing Branch will continue to unleash powerful effectiveness in facilitating farmers’ production and life, promoting the transformation and upgrading of agricultural modernization, and improving the quality and efficiency of rural financial services, adding new impetus to rural revitalization.
(column editor: Yang Kunhua)
