2021 ESG Report
35
2021 ESG Report
Drive Technology and Business Integration
Case
CSRC Bank+" WeChat financial tool
CRCBANK 36
As financial technology continues to break through the shackles of the traditional service mode, CSRC Bank uses
technology to accelerate the promotion of online products and services, deepen intelligent service and build a
technological financial service mode.
Drive Products and Services Online
CSRC Bank accelerates the digitalization and online
transformation of business and develops various
online platforms and products to make customers
walk less and improve service quality and efficiency.
In 2021, our online return printing rate reached 62%;
the online banking issuance rate reached 59%; the
electric ticket issuance rate reached 90.57%; and
the off-counter rate reached 75%, all of which have
improved compared with last year and all of which
have reached or exceeded the target values.
our online return printing
rate reached
62%
the electric ticket
issuance rate reached
90.57%
the online banking
issuance rate reached
59%
To further promote online services, we launched "CSRC
Bank+", which integrates various financial products such
as deposits and wealth management, private banking+,
FreeStar microfinance loans, agricultural loans, life services
and financial tools, and provides customers with a lightweight
and comprehensive service platform by leveraging the
convenient and fast features of WeChat applets.
By the end of 2021, the monthly visits to "CSRC Bank+"
WeChat financial tools reached 100,000 times, with an
average number of about 500,000 users.
monthly visits to
the off-counter rate
reached
75%
"CSRC Bank+" reached
100,000+
times
an average number of about
500,000 us
users
09:16
ll 5G
常熟银行+
O
流星贷 可》
在线申请|分秒批货|随借随还
我的积分
秒杀专区
热销推荐
我的资产
交易明细。
福利金
浓农多品
3.75%
˙业情比较基准
二期限:10957天
財富生活
投资理财
安心优选
流星货
更多
3.00-6.00%
监费比较基准
期限:728天
结构性存款
持有查询
WE
发项
我的
WeChat financial interface of "CSRC Bank+"
EJ
Services online
Products online
■
Online public account opening: CSRC Bank launched the public service platform
to realize the public business fully online. We utilized mobile lobby to enhance
account opening efficiency, with 196 mobile lobby account opening transactions
in 2021; utilized cloud platform for public remote video interview, with 3,220
interviews completed in 2021; eliminated paper due diligence audit forms and
conducted account opening research in a purely online manner, saving a great
amount of time for customers.
Online services for medium, small and micro enterprises: To help improve the
effectiveness of fund management of medium, small and micro enterprises,
in 2021, CSRC Bank optimized and upgraded its Internet issuance business
to provide more services to facilitate enterprise management and improve
operational efficiency, including employee inquiry, project management, electronic
signature, exceptional situation handling, etc. In 2021, 96 enterprises were
enrolled in the service, and the number of served employees reached 34,000.
In order to speed up the transfer process of old credit customers and enhance
their transfer experience, CSRC Bank uses big data risk control model, combined
with credit data model analysis, to launch the online product Star Renewable
Loan, with a total of 1,241 credits granted in 2021, credit of 303 million yuan and
a balance of 250 million yuan used.
In response to the small, scattered and miscellaneous capital needs of village
bank customers, we successfully launched the first purely online credit product
of village bank, "Xingfu Reserve", using big data risk control technology to realize
the online and automated credit granting process for white-listed customers.
Driving Intelligent Business
CSRC Bank attaches great importance to promoting the application of technology, and by making full use of big data
and Al, it promotes digital transformation and intelligent upgrading of systems, services and departmental functions to
reduce risks and improve efficiency.
Intelligent core system: We has adopted distributed core architecture and domestic distributed database technology
to improve the operational performance of the core system with reference to the core system design and advanced
practices of the industry, and the new core system has better performance in terms of applicability, security, efficiency
and scalability, which has improved the our product implementation and service capability.
Intelligent services: Based on building the underlying platform of artificial intelligence technology, we have actively
expanded the technology application scenarios. We have launched virtual human intelligent assistant service, OCR
intelligent recognition platform to increase the recognition function of real estate certificates and VAT invoices, and
intelligent outbound call platform to increase various scenarios such as small and micro marketing. We have built a
smart property platform to provide customers with 24/7 online service windows for "community parking, appointment
maintenance, property bill payment" and livelihood services such as appliance cleaning, laundry and shoe washing,
plumbing and car inspection.
Intelligent departmental function: CSRC Bank use artificial intelligence to optimize departmental functions and
reduce business risks. We adopt face recognition and OCR technology to reduce authorization risks caused by
subjectivity of authorized personnel, add new agent scenarios, enrich authorization judgment models, and secure and
efficient technologies to enable us to reach an average intelligent authorization rate of 57% and over 90% of high-
frequency unlocking transactions in 2021. By 2021, our self-developed Al technology has provided intelligent services
to 11 business departments and 34 business scenarios.View entire presentation