At present, inclusive finance is entering a new stage of development. As one of the "five major articles" of finance, inclusive finance is the inevitable requirement to connect the last mile of financial services and serve the real economy, and is also the focus of various financial institutions' efforts.
To further improve the quality and efficiency of services, on May 30, 2024, Shanghai Pudong Development Bank (SPDB) launched the "Intelligence · Benefit · Data" inclusive financial service system, adhering to the service concept of "Finance for the People", based on data, and through comprehensive and three-dimensional financial supply, to constantly improve the professionalism of financial services and achieve accurate irrigation of small and micro enterprises.
Zhang Weizhong, Secretary of the Party Committee and Chairman of SPDB said that at present, the economic momentum is shifting from traditional factor-driven to technology-driven innovation, and the business logic of finance has undergone significant changes. We must actively practice the political and people-oriented nature of financial work. SPDB's inclusive finance aims to use numerical intelligence to find its own business space in the long-tail market, create a new blue ocean, and logically integrate client, product, technology, and policy advantages through genes, location, strategy, personnel and professional advantages, building a SPDB inclusive finance lane model.
According to the introduction, the inclusive financial service system released by SPDB includes intelligent products and equity services, inclusive exclusive service system and digital application capabilities, focusing on inclusive clients and further expanding the reach and coverage of inclusive financial services from the dimensions of product innovation, organizational guarantee, digital empowerment, etc., helping more small and micro enterprises "do business more and more successfully and have a better life".
In terms of products and equity:SPDB has created a "4+N+X" inclusive financial product system, based on four standardized products of "Huishan loan", "Huidi loan", "Huichain loan", and "Huipao loan" for different scenarios and needs, providing customers with characteristic and personalized financial service solutions. Meanwhile, inclusive customers can obtain "Zhihui points" based on their business development in SPDB, and enjoy the rights of "digital inclusive service ecosystem" by logging in to the "Puhuilaile" APP. For banks, "Zhihui points" also make it easier to provide accurate services and improve matching and integration with customer needs.
Among them,"Huishan loan"Is a fully online, unsecured, pure credit small loan product for high-quality small and micro customers that can achieve accurate quota assessment, rapid approval, and meet financing needs in multiple scenarios;"Huipao loan"Is a product based on the combination of "Huishan loan" and guarantees to ease the risk of the clients, realized fully online operations from application to withdrawal;
"Huichain loan"Is a product for the supply chain upstream and downstream, specific industry scenarios, focusing on green, agriculture, and industry chain ecology, accurately reaching out to high-quality inclusive customers with lightweight, standardized, and digital technology capabilities to provide financial services;"Huidi loan"Is a product designed for small and micro enterprises, individual operators, and other inclusive customers. By using digital technology tools such as OCR recognition and model valuation, it realizes PAD/APP online application, online valuation rating of mortgaged housing, automatic credit approval based on big data, and significantly reduces business processing time.
In terms of exclusive services system,To improve the efficiency of financial services, SPDB has constructed a three-dimensional service system of headquarter and branches. At the headquarter level, an inclusive financial department was established, and at the branch level, small and micro loan centers were established, as well as small and micro characteristic sub-branches, small and micro lending service centers, etc., providing timely response to customer needs through centralized and efficient services. At the same time, SPDB has also created digital sales tools that integrate public and private services for better service of the main business operation of small and micro-enterprises and personal wealth planning needs.
In terms of digital empowerment,SPDB gives full play to the multiplier effect of "CNI data factor index." Through the use of models and strategies, it builds the "Bailing Falcon" marketing platform, upgrades the business opportunity management system, and accurately identifies customer needs; builds the "360 Panoramic" risk control platform, upgrades the full-cycle inclusive risk control system, and improves the accuracy of customer portraits; at the same time, it has established the "Numerical Inclusive Financial" ecological alliance with various parties to provide integrated financial and non-financial services for inclusive customers throughout the life cycle.
SPDB said that the "Intelligence · Benefit · Data" inclusive financial service system is an important measure to do well in the "five major articles" of finance and fully promote the strategic transformation of "digital intelligence." In the future, SPDB will work with its partners to escort the operation and development of small and micro enterprises, to help small and micro-business owners pursue better lives, and to contribute SPDB's strength to promoting common prosperity.