The Central Financial Work Conference held in October 2023 emphasized “to accelerate the construction of a financial power” and requires “five major articles on science and technology finance, green finance, inclusive finance, pension finance, and digital finance.In 2024, the government work report first included five large articles into it.As a state -owned joint -stock commercial bank, Everbright Bank studied and formulated the “China Everbright Bank Digital Financial Work Plan” (hereinafter referred to as the “Plan”) in accordance with the deployment of the Central Financial Work Conference and the requirements of the regulatory authorities.
Everbright Bank actively practiced the political and people’s nature of financial work, adheres to customers as the center, strengthens scientific and technological empowerment, uses digital as productive forces, pushes online and offline business integration, strengthens digital scene construction, accelerates digital transformation, cultivates development and developmentNew formats, create a digital financial ecosystem with large characteristics, provide high -quality financial services for economic and social development and people’s livelihood.
According to the “Plan”, Everbright Bank will fully excavate big data, new technological value, strengthen efficient integration and resource collaborative sharing in products, channels, risk control and other aspects, and carry out operating model innovation, business process transformation, service capacity upgrades, experience optimization and improvement of experience and improvement., Accelerate the online, mobility, intelligence, and ecologicalization of key businesses, and promote the establishment of a new model of digital financial development with large characteristics.
At present, Everbright Bank is focusing on the three major digital projects of large companies, large retail, and big scenes.
In order to deepen the company’s business digital management capabilities, the “Plan” proposes to do a good job of customer -centric omni -channel and full process and full process to public digital services, promote the integration of the construction of the basic system platform of trading banking and the innovation of digital products, and further promote the ecological construction of digital government scenarios, and do it.Good industry customers digitize and online operations.Customize the exclusive banks, supply chain financial solutions and supporting system services for strategic customers, and provide comprehensive services that integrate corporate accounts, agency issues, finance, administration, manpower, salary management, etc. for basic customers such as small and micro enterprises.
In terms of inclusive financial business, the digital operations of the credit business are realized, and the entire process of the credit business such as scenes, mortgages, and guarantee categories, enhance the operation capabilities of inclusive basic customer groups, strengthen salary and cloud payment, Cloud Caishang and other advantageous platforms, the cooperative service effects, carry out the integrated digital operation of the brand of “Sunshine Interesting” and “Sunshine Rural”.
In terms of large retail business, the customer -centric digital intelligence service capabilities are improved, the layered group operation system of retail customers is constructed, the comprehensive operation of customers is strengthened, and retail online loan products are intelligent, traditional offline credit online online, Line “Wealth Passenger” for customer -funded allocation tools, strengthen digital investment research and investigating capabilities, and create an open ecosystem of wealth management.
In terms of the construction of digital ecological capabilities in the scene platform, we will strengthen the number of online digital operations and value improvement of users. Focusing on characteristic scenarios such as logistics, residence, and off -campus education and training, supporting account management, payment settlement, capital supervision, corporate credit, etc.Rich and convenient financial services, combined with different production, life chains, and supply chain scenarios to form an online and offline integrated service model.
In addition, Everbright Bank will consolidate the “base” of digital financial development through a series of measures such as strengthening digital technology guarantee, strengthening data asset management, strengthening digital basic service capabilities, strengthening digital risk management, and cultivating digital innovation culture.
In the next step, Everbright Bank will “use numbers as a matchmaker” to continue to expand new areas and new spaces and new spaces for the high -quality development of digital finance, embrace the new era of digital, write a large digital financial article, and serve the people’s better life.(Everbright Bank Supply)
