ICBC Beijing Branch promotes online product innovation

ICBC Beijing Branch promotes online product innovation
Efficiently release the first small and micro enterprise loan restructuring of Beijing Shoudai Service Center, ICBC Beijing Branch has always maintained a strategic focus, giving full play to the “head geese” effect of large production banks, focusing on the problem of “difficult financing and expensive financing” for small and micro enterprises, Continue to strengthen support for key areas of inclusive finance.By advancing online and offline two-wheel drive, the bank based on product innovation, and further created a “wide coverage, multi-level, high efficiency, sustainable” inclusive financial system, constantly improving the comprehensive financial service capacity of inclusive finance, and strive to meetDemand for comprehensive financial services from enterprises.  On April 1, the Beijing Capital Loan Service Center was officially opened at the Beijing Municipal Government Service Center in Liuliqiao. The center took full advantage of the centralization of municipal approval centers at the municipal level, the concentration of service companies, and the concentration of information on approval results.Loans provide more bank choices, more convenient financing channels, lower financing costs, and better quality financing services, which provide convenient conditions for banks to handle loan business and obtain more customer channels, further helping to optimize the capital’s business environment.ICBC Beijing Branch optimizes on-site product promotion and personnel service resource allocation, actively improves the Banking and Insurance Regulatory Commission ‘s work requirements for increasing the first loan rate of small and micro enterprises, opens a green channel to accelerate business replacement and approval progress, and reissues it in the form of “operating fast loan”The first small and micro enterprise loan in the industry.  It is understood that the Industrial and Commercial Bank of China Beijing Branch is actively accelerating the innovation of online products, and is guided by the inclusive financial special scene, providing pure credit “operating fast loans”, anti-pledged “e credit fast loans” and supply chain “ICBC e-trust and other online financing products.Among them, “operating fast loan” is a corporate bank using big data and Internet technology, based on customer’s settlement, assets, taxation, payroll and other multi-dimensional data, to provide credit loans for qualified small and micro enterprises online to meet customer incomeSmall amount of fast funding needs.“经营快贷”无需抵质押、自助办理、随借随还,受到轻资产、科创型企业的广泛好评,某高新技术小微企业负责人表示“‘经营快贷’就像一张企业的Credit cards, the amount of recycling, to solve our difficulties in property-free loans.”A company is a small and micro enterprise that provides professional contracting and engineering technology consulting services. It has been operating basic accounting in ICBC Beijing Fengtai Sub-branch for 8 years.On the first day of the official operation of Beijing Shoudai Service Center, the company went to the comprehensive window to raise financing needs, and automatically selected the intention bank of the industrial behavior.ICBC station personnel were received through the first loan center comprehensive approval platform for the first time, and matched with ICBC’s online financing “operating fast loan” products, and a series of business process operations such as investigation, approval and lending were completed efficiently on the same day.After the self-banking withdrawal of the corporate customer’s online banking terminal, the first small and micro enterprise loan of the Beijing Shoudai Service Center was successfully issued at the ICBC Beijing Branch. The quick and convenient product features and thoughtful and efficient comprehensive services won the customers and the first loan service center.Unanimously praised.Mr. Zhang, the person in charge of the enterprise, lamented: “The online transaction of this product of ICBC, self-withdrawal through corporate online banking, is indeed easy to operate and the rate of loan is fast.”In the future, ICBC Beijing Branch will further deepen inclusive financial services support, fully rely on the first loan service center platform, promote online financing products in multiple dimensions, continue to enhance the financing availability of private and small and micro enterprises, and vigorously promote comprehensive financial servicesTransformation and upgrading will further realize ICBC’s brand responsibilities of “inclusive finance with temperature” and the responsibility of big banks.