ICBC Beijing Branch promotes online product innovation


ICBCBeijingBranchpromotesonlineproductinnovation
EfficientlyreleasethefirstsmallandmicroenterpriseloanrestructuringofBeijingShoudaiServiceCenter,ICBCBeijingBranchhasalwaysmaintainedastrategicfocus,givingfullplaytothe“headgeese”effectoflargeproductionbanks,focusingontheproblemof“difficultfinancingandexpensivefinancing”forsmallandmicroenterprises,Continuetostrengthensupportforkeyareasofinclusivefinance.Byadvancingonlineandofflinetwo-wheeldrive,thebankbasedonproductinnovation,andfurthercreateda”widecoverage,multi-level,highefficiency,sustainable”inclusivefinancialsystem,constantlyimprovingthecomprehensivefinancialservicecapacityofinclusivefinance,andstrivetomeetDemandforcomprehensivefinancialservicesfromenterprises.  OnApril1,theBeijingCapitalLoanServiceCenterwasofficiallyopenedattheBeijingMunicipalGovernmentServiceCenterinLiuliqiao.Thecentertookfulladvantageofthecentralizationofmunicipalapprovalcentersatthemunicipallevel,theconcentrationofservicecompanies,andtheconcentrationofinformationonapprovalresults.Loansprovidemorebankchoices,moreconvenientfinancingchannels,lowerfinancingcosts,andbetterqualityfinancingservices,whichprovideconvenientconditionsforbankstohandleloanbusinessandobtainmorecustomerchannels,furtherhelpingtooptimizethecapital’sbusinessenvironment.ICBCBeijingBranchoptimizeson-siteproductpromotionandpersonnelserviceresourceallocation,activelyimprovestheBankingandInsuranceRegulatoryCommission’sworkrequirementsforincreasingthefirstloanrateofsmallandmicroenterprises,opensagreenchanneltoacceleratebusinessreplacementandapprovalprogress,andreissuesitintheformof“operatingfastloan”Thefirstsmallandmicroenterpriseloanintheindustry.  ItisunderstoodthattheIndustrialandCommercialBankofChinaBeijingBranchisactivelyacceleratingtheinnovationofonlineproducts,andisguidedbytheinclusivefinancialspecialscene,providingpurecredit“operatingfastloans”,anti-pledged“ecreditfastloans”andsupplychain“ICBCe-trustandotheronlinefinancingproducts.Amongthem,“operatingfastloan”isacorporatebankusingbigdataandInternettechnology,basedoncustomer’ssettlement,assets,taxation,payrollandothermulti-dimensionaldata,toprovidecreditloansforqualifiedsmallandmicroenterprisesonlinetomeetcustomerincomeSmallamountoffastfundingneeds.“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Creditcards,theamountofrecycling,tosolveourdifficultiesinproperty-freeloans.”Acompanyisasmallandmicroenterprisethatprovidesprofessionalcontractingandengineeringtechnologyconsultingservices.IthasbeenoperatingbasicaccountinginICBCBeijingFengtaiSub-branchfor8years.OnthefirstdayoftheofficialoperationofBeijingShoudaiServiceCenter,thecompanywenttothecomprehensivewindowtoraisefinancingneeds,andautomaticallyselectedtheintentionbankoftheindustrialbehavior.ICBCstationpersonnelwerereceivedthroughthefirstloancentercomprehensiveapprovalplatformforthefirsttime,andmatchedwithICBC’sonlinefinancing”operatingfastloan”products,andaseriesofbusinessprocessoperationssuchasinvestigation,approvalandlendingwerecompletedefficientlyonthesameday.Aftertheself-bankingwithdrawalofthecorporatecustomer’sonlinebankingterminal,thefirstsmallandmicroenterpriseloanoftheBeijingShoudaiServiceCenterwassuccessfullyissuedattheICBCBeijingBranch.Thequickandconvenientproductfeaturesandthoughtfulandefficientcomprehensiveserviceswonthecustomersandthefirstloanservicecenter.Unanimouslypraised.Mr.Zhang,thepersoninchargeoftheenterprise,lamented:”TheonlinetransactionofthisproductofICBC,self-withdrawalthroughcorporateonlinebanking,isindeedeasytooperateandtherateofloanisfast.”Inthefuture,ICBCBeijingBranchwillfurtherdeepeninclusivefinancialservicessupport,fullyrelyonthefirstloanservicecenterplatform,promoteonlinefinancingproductsinmultipledimensions,continuetoenhancethefinancingavailabilityofprivateandsmallandmicroenterprises,andvigorouslypromotecomprehensivefinancialservicesTransformationandupgradingwillfurtherrealizeICBC’sbrandresponsibilitiesof”inclusivefinancewithtemperature”andtheresponsibilityofbigbanks.