In the past year, Bohai Bank Co., Ltd. (hereinafter referred to as "Bohai Bank") practiced the working concept of "it is not difficult to pay for the people to open an account". In order to comprehensively optimize the bank account services and risk prevention and control work of small and micro enterprises, it is an important starting point for "I do practical things for the masses". In view of the difficulties in opening accounts for small and micro enterprises, Bohai Bank Co., Ltd. (hereinafter referred to as "Bohai Bank") practiced the working concept of "it is not difficult to pay for the people to open an account" in the past year. A number of measures will be taken to improve the quality and efficiency of the service of opening enterprise accounts, and to improve the satisfaction and sense of achievement of the majority of enterprises to the service of bank accounts.
Online and offline simultaneous efforts to optimize account service quality and efficiency
In order to facilitate enterprises to make an appointment to open an account, in May 2021, Bohai Bank developed and put into production a new version of Wechat to make an appointment to open an account with Mini Program. Through intelligent identification, rapid retrieval and other technical means, the automatic entry of enterprise license information can be realized, and enterprise users can complete online account reservation in less than 5 minutes, greatly reducing the workload of customers filling in orders and waiting time at the counter. To achieve "more data runs, enterprises run fewer errands".
Moreover, Bohai Bank successfully realized the one-stop service of opening accounts through the pre-examination process, effectively solving the problems of long waiting time for enterprises to open accounts and tedious counter operation. In July 2021, Bohai Bank launched the process of quick opening of enterprise accounts. Through the pre-audit of customer data and customer identification, the auditors of the head office will complete the business preliminary examination and information maintenance before the enterprise goes to the bank outlets, and inform the enterprise of the audit results. After customers arrive at the network, they only need to complete the procedures such as data checking and stamping, so as to complete the account opening, reduce the operation steps when opening accounts, shorten the customer waiting time at the counter, and greatly improve the customer experience. it fully embodies the service concept of "temperature bank" of Bohai Bank, and has been widely praised by enterprise customers.
Technology + management innovation, convenience, upgrading, balancing services and risks
The use of electronic business license when opening an account can not only increase the convenience of opening an account, but also further improve the processing efficiency and management level of the account business. For this reason, Bohai Bank set up a special project team to carry out system development, launched the electronic business license authentication function of unit bank settlement account in November 2020, and comprehensively promoted the application of electronic business license within the scope of 34 first-tier branches of the bank.
Now, when enterprises go to Bohai Bank to show the authorization code of electronic business license through mobile phone, they can handle account opening business, and they no longer need to provide the original paper business license or a copy with the company's official seal, which not only improves the limitation of account opening service, but also reduces the retention of paper materials.
In view of the fact that some small and micro enterprises have been established for a short time and have not yet carried out operation or no fixed place of business when applying for the opening of enterprise bank accounts, Bohai Bank actively promotes the simple account opening service for small and micro enterprises. Since last year, Bohai Bank has fully implemented the simple account opening service process in 265 branches and above. Business outlets can actively introduce the simple account opening process to small and micro enterprises after understanding the operation of small and micro enterprises, the purpose of opening accounts and the demand for capital payment. By streamlining the customer identity verification procedure, the function of opening an account matches the degree of customer identity verification and account risk, and meets the needs of small and micro enterprises, that is, ready-to-use bank accounts, which can not only ensure the account fund settlement needs of small and micro enterprises at the initial stage of establishment, but also effectively prevent account risks. It is understood that by the end of 2021, the stock enterprise accounts of Bohai Bank increased by 24% over the previous year, and more than half of the enterprises that opened accounts enjoyed the convenience of process optimization and service upgrading.
Account is the basis of financial activities in the whole society. In the future, Bohai Bank will continue to actively practice its social responsibility, taking into account the undiminished convenience of opening accounts and the ability to prevent and control risks, further optimize the account services of small and micro enterprises, and transmit inclusive financial temperature.
About Bohai Bank Co., Ltd.
Since the revision of the Chinese Commercial Bank Law in 2003, Bohai Bank is the only newly established and only foreign bank to participate in the establishment of a national joint-stock commercial bank, which is the youngest among the 12 similar banks. it has a significant advantage of backwardness. In the ranking of the Top 1000 Global Banks in 2021 published by Banker magazine, Bohai Bank ranked 111th, up 22 places from the previous year and 22nd in the ranking of domestic banks.