Digital transformation smart finance benefits 10000 households

With the development of mobile Internet and digital technology, financial services begin to break away from the limitation of physical network for the first time. Since 2020, the outbreak of the epidemic has also accelerated the development of financial digitization. Digital transformation has become the bottom capability of many licensed institutions such as banks, insurance companies and consumer finance companies to serve more users and provide contactless financial services. In addition to the technical iteration and optimization of licensed institutions such as banks, the role of technology companies and Internet giants can not be ignored. In customer acquisition, credit decision-making process, or in the basic financial cloud services, they together with the licensed institutions have played an important role in better serving the general public and SMEs. In the process of improving efficiency and serving more users, the financial industry has been making good use of technology and willing to try cutting-edge technology. Nowadays, with the gradual use of new technologies such as financial cloud and blockchain, many financial institutions have made great progress in improving business efficiency, improving user experience and enhancing business reliability. < / P > < p > in July this year, Bank of Beijing released a new mobile banking app “Jingcai life” based on Tencent cloud mobile financial development platform TMF. The new app added more than 60 functions and services, restructured more than 200 existing business processes, and optimized more than 2000 operating interface experience, which was the largest iterative upgrade of mobile banking in the bank’s history. < p > < p > Tencent cloud mobile finance development platform TMF is a mobile technology platform based on Tencent mobile Internet product development and operation capabilities. It can provide full life cycle support and management for mobile financial application development, and help financial institutions create mobile financial services with low cost and high efficiency. < / P > < p > in the development process, Tencent cloud TMF provides mobile client development components, H5 containers, grayscale publishing, hot updates, offline packages and other key services for mobile terminal development and operation, which greatly reduces the development threshold of new bank app and improves the business response and delivery ability. < p > < p > TMF platform is just a technical support for Tencent to face the financial industry. Based on the understanding of financial business scenarios, Tencent Financial cloud provides the financial industry with highly concurrent data processing, massive data storage, high-frequency security attack prevention and other services under compliance, and uses advanced technologies such as artificial intelligence, big data, block chain to create smart finance, help business reform and innovation, and help financial institutions upgrade digital. < / P > < p > with the help of intelligent risk control technology and blockchain as the underlying technology platform, one account finance integrates enterprise operation data, customs data, supply chain data and other data cross validation, and carries out enterprise portrait through artificial intelligence and big data, so as to improve the risk control identification ability of banks for small and medium-sized enterprises. Among them, there are 38344 small and medium-sized financing platforms in Guangdong Province, including 38344 service enterprises, 347 financial institutions, 927 financial products, and 14.03 billion yuan of financing. Especially in the intelligent financing sector, the average household loan is only 220000 yuan, which really meets the business needs of many small and micro enterprises. < p > < p > < p > “shuangliantong” is a supply chain collaboration network developed by ant group based on blockchain technology. It links the confirmation, circulation, financing and clearing of accounts payable of core enterprises into the chain. It not only broadens the financing channels of small and medium-sized enterprises, but also improves the fund utilization efficiency of core enterprises in the supply chain. At present, it has been applied in the cooperation with Everbright Bank and other banks. In the process of expanding financial services and supporting small and medium-sized micro businesses, a large number of small and medium-sized city commercial banks, rural commercial banks and private banks are the main force, but for these banks, they can not be compared with large banks and joint-stock banks in talent, technology, risk control, marketing and other aspects. The emergence of science and technology enterprises is to activate the potential of these banks and expand financial services We provide solid business support. < p > < p > Shizuishan bank is a small city commercial bank in Western China. In 2015, the bank determined the road of digital transformation. In the face of the Internet Financial wave, the banking industry generally aims at the direct bank, and Shizuishan bank is no exception. However, it did not take long for them to realize that they had obvious weaknesses in terms of customer acquisition, risk control and operation. If they want to make a breakthrough as soon as possible, they must rely on external forces. < p > < p > since 2018, ant group has been open to the outside world and pushed forward the joint loan model, which has brought opportunities to small and medium-sized financial institutions including Shizuishan bank. The cooperation between Shizuishan bank and ant financial services started with consumer credit and extended to e-commerce loans, Wangnong loans and other businesses. The total loans reached more than 20 billion yuan, serving nearly 700000 customers. < p > < p > the head of Shizuishan bank mentioned that compared with other partners, the bank’s cooperation with ant financial services has lower loan interest rate, better asset quality, and both commercial value and social value. < / P > < p > through in-depth cooperation with ant financial services and other institutions, Shizuishan bank has learned many experiences in technology, risk control, products and so on, and has gradually accumulated its own capabilities. < p > < p > Ping An’s all in one financial account also provides business support for small banks in a similar way. For example, it provides a complete set of credit inquiry solutions, such as credit machine, wind turbine, smart bank, etc. < / P > < p > in terms of intelligent credit, the bank has established the brand of intelligent credit system “sunshine second loan”, effectively uses big data cloud platform, integrates artificial intelligence into traditional financial credit business, accurately matches customer identity through face recognition, living detection, voice recognition technology, multi-source information interweaving verification under the premise of user authorization, and uses knowledge mapping technology to push Send scene Q & A, targeted intelligent identity review; use micro mood technology, real-time monitoring and analysis of loan customer psychology. < p > < p > in early July 2020, tongdun technology released its independent consulting service brand tongdun consulting, which provides a variety of “core weapons” for the digital transformation of corporate customers in Pan financial field, including banks, to meet the challenges from inside and outside the industry. < / P > < p > so far, more than 10000 enterprise customers have chosen tongdun’s products and services, covering 22 categories of industries and 118 subdivided fields. Many projects implemented by tongdun technology in the banking industry have achieved remarkable results: in the online credit business of a joint-stock bank with a balance of 10 billion yuan, tongdun’s pre loan anti fraud strategy and model helped to reduce the fraud rate by 50%; in the credit card business of a city commercial bank, tongdun helped the bank set up a real-time approval process from 0 to 1, reducing 50% of pre-trial And 80% of the note workload, and keep the risk level at a sustained low level. < p > < p > 360, while the digital branch takes the full link of credit services as its service target. 360 digital has independently developed an intelligent financial full link system including Argus intelligent risk control engine, cosmic cube pricing engine, cloud bank decision-making system, RTA customer acquisition system, intelligent voice robot matrix, etc. In terms of scale, 360 has served 142 million users and helped financial institutions release 377.6 billion yuan of credit. < / P > < p > by the end of the first quarter of 2020, the number of partners of 360 institutions has increased to nearly 100, including state-owned banks, joint-stock banks, urban commercial banks, licensed consumer finance companies, trust companies and other licensed institutions. With the help of 360 digital technology, the financial institutions cooperating with it have achieved 98% automatic approval in business process. With the technical support of 360 branches, a number of financial institutions have completed the establishment of independent risk control, realizing the whole process of online credit business. Xiaomi finance is committed to integrating digital technology into industrial finance and enabling real enterprises. The industry finance digital platform is mainly aimed at the intelligent manufacturing industry, aiming to help small and medium-sized enterprises solve the problems of accounts receivable management, industrial upgrading, and capital resource demand in the whole scene. Through this platform, Xiaomi finance can solve the financing problems of small and medium-sized enterprises, on the other hand, it can help small and medium-sized intelligent manufacturing enterprises to reduce costs and increase efficiency. < p > < p > in the early stage of its establishment, crazy King technology company, which is well-known for its smart doorbell, was at a loss due to sales problems. Facing huge orders, the company was in short supply in terms of funds. Through the analysis of the whole supply chain of Xiaojing, it can help the whole supply chain of Xiaojing, such as the financial supply chain, complete the supply chain, forecast the whole supply chain of Xiaojing, and help the financial team to complete the supply chain Production and sales. Today, with the supply chain financial services provided by Xiaomi finance, crazy view technology has quickly become the head of the intelligent doorbell industry. Up to now, the industry finance digital platform of Xiaomi finance has achieved inclusive financing of over 60 billion yuan, serving thousands of small and medium-sized enterprises and directly radiating tens of thousands of customers. Among them, in 2019, the cumulative amount of loans made by financial institutions through the industry and finance digital platform will exceed 30 billion yuan, and the figure is expected to exceed 50 billion yuan in 2020. Baidu continues to work on quantum computing to lay a solid foundation for new infrastructure construction