"Hello, I am small country, need me what to offer to serve excuse me " , enter the numerous country bank that is located in construction highway to do business ministry, metope of chair of type of topping space, Europe, annatto, let this Internet trade bank and person of the same trades are compared, appear some extraordinary, and AI robot " small country " appear, make its are provided more differentiate degree.
Be known as in this " Wuhan wall street " on financial market, in numerous bank, bank of this civilian battalion is the youngest, but also be to want undoubtedly " run " the fastest that.
Numerous country bank holds water two years, already rolled out product of many heavyweight banking. Be apart from " numerous country bank opens platform " roll out formally still be less than half an year, financial platform " E Zhang is connected " already began to be in the many large companies such as group of Zhuo Ersheng state and Chu Tianyun to apply, appear formally first on fair of world big health.
The world gest, do not defeat quickly only. Change quickly of progress of science and technology, financial industry is considered as the heat of a place with a draught of AI technology and commercial application all the time, this more force a successor to must popularize each link in technical innovation, market than spelling rate.
How to play turn is financial science and technology endowed with for hypostatic economy can? "Numerous nation rate " thinking of iteration of what kind of Internet to reflect rear? With respect to afore-mentioned problems, reporter of fulcrum finance and economics and this young Internet trade the administrative group of the bank develops a dialogue.
Receive a service without the account of feeling
Be in Wuhan, want efficient go to a doctor to divide a pace?
Download the name is " healthy Wuhan " APP, after be being registered simply, bind calm individual cure to protect card or silver-colored couplet to borrow write down card, deposit card to finish attestation, can be in 37 hospitals of whole town to make an appointment registration.
If be to be in,already had online go to a doctor of center of medical treatment of more than 70 hospital that pays a function, community, that means you to be checked in outpatient service, buy prepay of medicine, be in hospital, leave hospital settle accounts the disbursement that wait, can finish on this APP quickly.
Online pay, already was the life in again common the setting that does not pass. To " healthy Wuhan " wait for platform for, want to realize this one function, make capital OK and safe put a valve, convenient draw money, need " money bag " .
"Common for, e Zhang is connected even if this ' money bag ' " , numerous country bank pays financial ministry vise general manager Wu Yi tells fulcrum finance and economics, with pay treasure similar, e Zhang is connected is a kind of deepness that rolls out by numerous country bank custom-built the disbursement that change account system. "Healthy Wuhan " system of account of a complete set of all is connected by E Zhang make.
"To C upright client, first-class service often is do not have perception " , wu Yi introduces, e Zhang already was received to connect platform when user attestation, become the individual user of numerous country bank. Be poured out of in the capital of this platform and flow into, will connect through E Zhang finish. Current, adopt form of this one party, client of new develop of numerous country bank already was achieved 4 million.
Fast safe disbursement account system
For quite a long time, banking is to take seriously highly risk and dovish management industry. As the development of financial science and technology, a lot of business can be dealt with on the mobile phone, financial service becomes more and more " fast " . In the user " a few faster " below the requirement, how quickly at the same time avoid risk, assure client information and capital safety, become the problem that banking should face above all.
As we have learned, the research and development that E Zhang understands only then in June 2018, in beginning to encircle an enterprise in eminent Er zoology namely after 4 months " inside measure " . Those who pass 3 months is ceaseless optimize, this year in January, e Zhang is connected receive formally " healthy Wuhan " wait for platform user.
Wu Yi says, to C upright user, e Zhang opens the wallet that is them, the enterprise user that carries to B, e Zhang general rule is the professional account system of a 4 edition, a large number of capital from now on pass in and out, the importance of account safety is self-evident.
"In the research and development of financial product, the chief factor that security is consideration of numerous country bank from beginning to end " , wu Yi introduces, of the enterprise trade capital will collect E Zhang to open account directly, account implementation closes management and credit fund be commissioned pay, ensure the capital of the enterprise and bank financing risk can be inspected can accuse. In addition, capital is poured out of put body department completely also to finish through numerous country bank. In trade in locomotive process, numerous country bank will undertake turning over the con, real time monitoring that washs money instead, once discovery is unusual,stop to trade instantly.
"Wind accuses strict, do not feel certain and bad on behalf of the experience. Do not feel certain and bad on behalf of the experience..
Wu Yi tells fulcrum finance and economics, go up formally nearly 3 months come to the line, e Zhang is connected accumulated good public praise. Participate in fair of world big health this, hope to be connected with E Zhang namely nod to be cut, promote finance and innovation of confluence of big healthy industry, hard compose builds modes of life and relation to their environment of benign and the confluence that cross a boundary, interactive industry of big healthy banking to encircle. In the meantime, e Zhang is connected also extend a guest actively in educational field group, the famous education business such as school Fu Tong already became the accurate client that E Zhang tells.
Tax can small small company, help finance of force general benefit
"Numerous country bank must do good difference to change fixed position to develop, serve very hypostatic economy. " Yan Zhi of secretary of Party committee of numerous country bank is in sufferring the Ceng Ru when visitting is to express.
In last few years " governmental working report " in, mention for many times should " exert oneself solves financing of small small company the issue with difficult, expensive financing " . To this, yan Zhi says, numerous country bank will put more attention in had done for medium and small businesses supply catenary finance to serve.
How does this kind of service come true?
Financing of medium and small businesses is difficult, because enterprise oneself financial condition is insufficient,be normally. E Zhang connects what can help medium and small businesses to trade change on implementation line, data is changed. The bank can carry the kind such as intelligent equipment, big data travel of inpour of the iformation flow to the enterprise, capital is effective monitoring is formed even make easy closed circuit, reduce a risk thereby, award a letter to bring for the enterprise then convenient, reduce financing cost.
On the other hand, rely on what E Zhang connects platform oneself to trade running water, numerous country bank can begin service of management sex loan, alleviate further difficult problem of financing of small small company.
If connect E Zhang,the analogy becomes the base of happy tall model, the finance with numerous country existing bank serves, wait like account management, online financing as happy tall spare parts, can join come in this platform.
"Deepness is custom-built " from this and come. Disparate industry is disparate to account government demand, supply catenary, concentration to purchase, cent is sold, electric business all have different character, "Spare parts " size cannot be standardized, put the position to also differ.
Wu Yi introduces, before numerous country bank is providing a service for every client, can undertake fulfilling his duty adequately to investigate, with offerring the custom-built program that suits most.
It is with large healthy trade exemple, e Zhang opens the system with platform custom-built deepness, have exceed strong information conformity capacity, through conformity each receive the medical treatment data of the hospital, form patient seeing a doctor but the individual health database of date from sex.
Play turn " intelligence + " allow a bank nowhere is absent
Next month, numerous country bank will be full 2 one full year of life, since hold water, numerous country bank holds to with trading setting is rely on, it is with the business on the line lead, accuse to be with big data wind prop up, supply chain around the industry such as large trade, big travel, big health purchase, cent is sold, the whole technological process of the sale, swim up and down to supply chain trade, purchase, the small small company below the zoology setting such as content shedding, storage, travel, health and individual client, offer account, pay the alloy of one-stop, package put together such as settle accounts, credit, money management service of be in harmony.
Peak of Cheng of president of numerous country bank expresses, numerous country bank is held to from beginning to end " group of dedicated industry modes of life and relation to their environment, the enterprise of side Fu Xiaowei, people that help strength does poineering work " mission, use the new generation IT such as computation of big data, cloud, mobile interconnection, exert oneself makes 3 banks, namely " get through trades with the Internet of setting bank, devote oneself to those who produce confluence of deepness of be in harmony to supply catenary finance bank, digitlization drive science and technology is endowed with can open model digital bank " .
Be core with financial science and technology " open bank " prelusive already pulled open, 3 timeses are quickening the bank arrival. "E Zhang is connected even if ' open bank ' specific reflect " , cheng Feng says, below open bank configuration, the bank breaks through the confine of APP of traditional physics site, mobile phone, embed on the platform of each partners, form services of all sorts of the banking that cross a boundary. "We already entered the period that science and technology of a comprehensive finance spends, develop as the high speed of mobile Internet, the digital organ that the smartphone already became most person " , cheng Feng expresses, in new revolution of round of science and technology and industry change below acceleration setting, financial science and technology is sure to be well worth doing.
END
Reporter Piao is like Li Qiong
Edit Piao Wu Ling
Manufacture magazine of fulcrum of group of medium of Piao Hubei daily
