2021 ESG Report

37 2021 ESG Report CRCBANK 38 Promote Elderly-oriented Products CSRC Bank attaches great importance to the user experience of whole customers, and has initially completed the elderly-friendly upgrade of the mobile banking APP, launching the "Convenient Financial Version" of mobile banking, which can be switched with the "Standard Financial Version" APP in one click, making it easy for elderly customers and visually impaired customers to use, with specific optimized functions: firstly, the home page is more concise, deleting the redundant and low-frequency transactions on the home page and focusing on high-frequency transactions; secondly, the reading is more convenient, using large fonts to display information, making it easier to read and operate; thirdly, the operation is more intelligent, adding the auxiliary voice search function, which can quickly locate the service menu for customer needs by speaking, reducing input barriers for elderly customers. ✓CH Case CSRC Bank helped a local polyester company to solve its capital needs in transformation A polyester company is the leading local enterprise, which has been cooperating with CSRC Bank for many years. With the gradual promotion of green projects, the enterprise was facing greater financial pressure. After CSRC Bank learned the enterprise's situation, we considered the actual situation of the enterprise and gradually increased the credit, among which, the "Changzhi Loan" was granted for 20.07 million yuan, which solved the enterprise's capital problem. the "Changzhi Loan" was granted for 20.07 million yuan Helping Enterprises to Transform and Upgrade On January 4, 2021, Suzhou City released the Suzhou City Three-Year Action Plan for Promoting Digital Economy and Digital Development (2021-2023).CSRC Bank actively responded to the call of Suzhou City to promote the implementation of the three-year plan, increase the support for the enterprises going through intelligent and digital transformation, and promote the transformation and upgrading of traditional enterprises. To this end, CSRC Bank has launched the "Smart Manufacturing" credit product - "Changzhi Loan", which is specially designed to meet the financing needs arising from the intelligent transformation and digitalization of enterprises. "Changzhi Loan" three-step action plan Customer Advocacy • We visited enterprises and their workshops on site, combined with our official website and WeChat official account to form an online and offline publicity matrix to deepen customers' understanding of the policy and products across the jurisdiction. At the same time, all branches of CSRC Bank are opened to accept eligible financing needs, and the 956020 customer service hotline is ensured to answer customers' related questions all day long. xxxh 7|111| Customer Mapping Credit Granting • • CSRC Bank makes full use of a large number of branches and 150 account managers to actively mapping 83 enterprises in need, covering equipment technical reform projects, production line intelligent transformation projects, printing and dyeing high- quality development projects, etc., providing targeted financial services guidance, involving a total investment amount of 4.540 billion yuan. CSRC Bank cooperated with Changshu City Bureau of Industry and Information Technology, mapped the list of 100 customers in demand, and served 16 potential customers, involving a total investment amount of 1.080 billion yuan. 北自所注意碰撞 CSRC Bank staff visited the local polyester company Activating the Potential of Science and Technology • At the end of 2021, the amount of "Changzhi Loan" being granted was 445,115,000 yuan and the amount of credit used was 184,883,400 yuan, with a total of 141 loans granted and 48 enterprises supported, ranking first in Changshu City and Suzhou City. At present, technology-driven financial innovation has become the consensus of financial institutions. To further stimulate the potential of technological innovation, CSRC Bank has formulated Changshu Rural Commercial Bank Financial Technology Development Plan (2019-2022) and set the development target that by 2022, we would have fully built a financial technology research, development and application system to enhance the satisfaction of customers inside and outside CSRC Bank with digital, networked and intelligent financial products and services.

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