Editor’s note:Since the Shanghai Banking and Insurance Industry launched the “Ten Thousand Enterprises and Hundreds of Billions” project and the “Thousands of Enterprises and Tens of Ten Thousand Households” project for first-time loan recipients, the Bank of Shanghai has linked up and proactively stepped forward to actively implement special work arrangements. On October 20, 2023, the Bank of Shanghai successfully held the “Ten Thousand Enterprises and One Hundred Billion” partner bank signing ceremony. Each branch within its jurisdiction shall provide financial services to small, medium and micro enterprises based on their respective resource endowments and regional development characteristics, and grow together with small, medium and micro enterprises in both directions. “Shanghai Bank Micro News” continues to launch implementation actions for each branch.
Bank of Shanghai Shinan Branch conscientiously implements the head office’s requirements for the “Thousands of Enterprises and Tens of Millions” project and the “Thousands of Enterprises and Tens of Ten Thousands of Households” project for first-time borrowers, and continues to deepen the “benefit-to-benefit” project from three aspects: building channels, focusing on services, and strengthening capabilities. We will build a distinctive brand and strive to become a trustworthy partner bank for small and micro enterprises.
Build channels: Be a bank around small and micro enterprises
In order to provide small and micro enterprises with the most convenient financial services, the branch regards all branches within its jurisdiction as the “main position” for serving small and micro enterprises. The branches actively connect with surrounding industrial parks and jointly build a grid service platform to provide small and micro enterprises in need with services. Micro-enterprises can find channels to obtain services as soon as possible. At the same time, regional branches and investment institutions have established a collaborative linkage mechanism to jointly support outlets to better meet the needs of small and micro enterprises. With the formation of the “park + bank” inclusive financial service chain, it is no longer a problem for small and micro enterprises, the “capillaries”, to obtain precise infusion of “financial living water”.
Focus on service: Be a caring bank for small and micro enterprises
In order to better enhance the sense of service gain for small and micro enterprises, the branch actively explores the new “1+1+N” financial service model, that is: 1 inclusive account manager + 1 personal account manager + N financial product services, to achieve small and micro enterprises Corporate financial services continue to extend to scenarios such as daily settlement of enterprises, funds required for business development, and personal wealth appreciation of business owners and company executives. Financial products such as online banking settlement, capital pool, foreign exchange settlement, salary payment, and wealth management help small and micro enterprises. Achieving “one-stop” considerate service.
Strong capabilities: Be a professional bank for small and micro enterprises
Shinan Branch has continued to work hard on the word “fast” by establishing a professional service model of “branch professional team + outlet inclusive team” – optimizing inclusive business processes through the application of standardized products of “four quick loans” for small and micro businesses , improve the quality and efficiency of inclusive services; make a fuss about the word “accuracy” – establish a standardized approval plan for inclusive business, improve the accuracy of professional judgment, change the “uncertainty, uncertainty” approval shortcomings, and better solve the problem of small and micro enterprises Enterprise financing problems; draw a blueprint based on the word “fine” – focusing on the positioning of “boutique bank”, launch comprehensive financial service solutions tailored for small and micro enterprises, so as to continuously improve the inclusive financial service experience.
Up to now, the branch has a small and micro enterprise service team of 85 people, 37 comprehensive outlets and 55 cooperation park platforms within its jurisdiction to provide all-round comprehensive financial services to small and micro enterprises. The first batch of 12 “Hui Xiang Bing” inclusive The financial studio was awarded the license, and a service network for small and micro enterprises covering all streets and towns in the region was basically formed.
In the future, Shinan Branch will continue to cultivate its internal strength and hone its skills, continue to improve the service level of inclusive small and micro customers, expand service scope, improve service quality, and strive to create inclusive financial service features.