Postal Reserve Bank takes the lead to "bank into the living room"

2013 was hailed as the year of Internet finance. Although the concept of internet finance only began to "fire" last year, but for the postal Reserve Bank, the use of scientific and technological innovation to explore the convenience of services, the practice of the financial concept of the general benefits of the exploration has already begun.

Xu Weijin, president of the Beijing branch of the Postal Reserve Bank, recently, the Beijing branch of the Postal Reserve Bank has continued to speed up the pace of technological innovation and product innovation. To create a network of banking, mobile banking, telephone banking, TV bank and ATM, self-service payment terminals, including a full range, broad coverage, criss-crossing of the electronic financial services networks, become a link between the capital urban and rural finance important channel.

"Speeding up the development of electronic banking channels, creating internet banking features and introducing customized Internet financial products is a new strategy for the development of postal storage banks." March 20, China Postal Savings Bank (hereinafter referred to as "the Postal Bank") Electronic banking manager Li Chaohui, in the Postal Reserve Bank Cup Internet Association, the seventh National College Students Network Business Innovation application competition nationwide launch ceremony said.

Li Chaohui said that the so-called customized Internet financial products, the postal bank has targeted office workers, the elderly, three farmers and other groups of people's needs, the introduction of TV banks, micro-credit Bank, micro-Bo Bank, easy to trust Bank, "Financial Night Market", the benefit of rural mobile phone financial services, such as personalized

In this respect, Xu Weijin, president of the Beijing branch of the bank, said: "Regardless of any innovation, the starting point of the Postal Reserve Bank is to implement the general financial concept, to provide customers with a better financial services experience." ”

By the end of 2013, the postal Reserve Bank assets reached 5.6 trillion yuan, business outlets nearly 40,000, service 430 million customers. Among them, electronic bank customers over 90 million, mobile banking customers up to 40 million, TV bank customers have reached 5 million.

"Innovation" takes the lead "bank into the living room"

The postal Reserve Bank took the lead in realizing the total coverage of the four electronic channels of internet banking, mobile banking, telephone bank and TV bank.

Channel innovation is not only product innovation, but also service innovation, in the channel construction, can extend in addition to space, there is time. For the Postal Reserve Bank, the humanized service is a great magic weapon for them to obtain the customer's trust.

In order to solve the problem of running a bank, the first "financial night Market" in Beijing--Postal Reserve Bank Beijing Guang ' an gate branch officially opened in August 2011. At the same time, in order to better serve the people, especially the broad masses of elderly customers, at the end of 2012, China Postal Savings Bank Beijing branch, "TV bank" online.

It is understood that the postal Reserve Bank will "bank into the living room", as the first in Beijing to promote the television banking system of financial institutions. TV bank makes 3 million of Chinese TV users can enjoy the "home Bank", can enjoy the "24 hours without closing" self-service financial services.

At this point, the postal Reserve Bank took the lead in the implementation of the Internet banking, mobile banking, telephone banking, television Bank of the four electronic channels full coverage. At present, the postal Reserve Bank television Bank not only can complete the transfer remittance, the credit card repayment and so on the traditional service as well as the television payment, the payment and so on, also has introduced the foreign currency business, the fund business, the financial affairs business, individual loan inquiry and so on characteristic business function.

February 26 This year, the postal Reserve Bank Beijing Branch TV Bank smart meter purchase business successfully online, now customers can be at home through the TV bank to achieve electricity, water, telephone fees and other life-fee business, very convenient and quick. By the end of February 2014, the postal Reserve Bank of Beijing Branch of the customer size of the TV bank has reached 700,000 households.

Chi Jiawen, vice president of China's postal Savings Bank, said that it was striving to create an internet-based financial platform with online network intelligence and advanced online services to provide users with high quality and convenient financial services.

"Progress" is in talks with Ali "bank"

According to reports, the Postal Reserve Bank is in contact with Alibaba's instant messaging products to negotiate, do not rule out the rapid introduction of the bank.

In order to integrate into the Internet financial tide, seize the Internet user social development opportunities, the financial services and social platform, January 3, postal Bank Weibo bank, micro-credit Bank and easy letter Bank three internet financial products with the Taiwan debut.

According to Madehui, deputy general manager of the bank's electronic banking department, the Postal Reserve Bank is negotiating with Alibaba's instant messaging products, and does not rule out the swift launch of the bank.

Madehui said that the current postal bank micro-bo, micro-letter and micro-letter bank to provide debit cards, credit cards and life services three categories of services, respectively, provide balance inquiries, detailed inquiries, credit card inquiries, repayment, account loss and pay water, electricity, gas charges and many other functions. However, with security in mind, the debit card transfer function is expected to be launched in June.

Reporter experience found that, as long as the focus on the post bank electronic Bank of the official microblog, and click the "Application" option, you can use the micro-blogging banking function. At the same time, can also be in the micro-letter, easy to scan the mail storage Bank electronic bank two-dimensional code, or in the public account to search and pay attention to the postal Bank e-Bank's public account, it is possible to use micro-credit bank and the bank function.

In addition to its ease of operation and wide coverage, the three products are upgraded in safety and reliability, according to postal Reserve Bank staff. For account transactions, users can operate in the postal Bank mobile banking system, and the login link with dynamic SMS password, a secret.

It is learnt that the next step of the postal Reserve Bank will enrich the service function of micro-banks, planning features of the Internet financial platform. The former director of the People's Bank of China's Science and Technology division and the Internet Financial Working Committee of the Chinese Internet Association, preparatory, deputy chief Chen Jing, said this is "let finance into the micro-life", not only embodies the Internet inclusive, open, and equality characteristics, but also the postal Reserve Bank actively implement the "

Planning】

will be in rural distribution internet finance

Last July, the postal Reserve Bank and Tongzhou District launched the construction work of health card for residents, taking the lead in the pilot distribution of farmers in new agriculture.

"The postal Reserve Bank will be in rural areas to lay Internet finance. "At the Forum on the study of Central one and the promotion of the" three agricultural and rural financial services, "The postal Reserve Bank governor, Lu Jiajin, said at the meeting.

January 19, the central "a document", that is, "on the overall deepening of rural reform to accelerate the promotion of agricultural modernization," issued a clear proposal to "encourage the postal Savings Bank to expand rural financial services."

Now, with the popularity of the internet and mobile phones rising rapidly, in order to better serve the "three rural", the postal Reserve Bank in expanding the service network, to make up for the rural areas of financial services coverage, to strengthen the creation of including ATM, internet banking, mobile banking, television bank, micro-credit bank, such as the diversification of electronic financial services channels.

Recently, the first batch of resident health cards in Beijing, issued by the Postal Reserve Bank, is the latest practice of the concept.

A few days ago, Tongzhou District Yongle store Town residents can be free to receive a special card. According to the introduction, this looks like the ordinary bank card size of the resident health card is actually very "connotation." In addition to the financial functions of ordinary bank cards, it can also store basic information of residents, electronic health files and electronic medical records in hospital. With the resident health card, for new farmers and patients in the area, registration, medical treatment, payment, reimbursement, inquiries, such as Social Security cards, bank cards, medical records, new agriculture, such as a variety of information media, such as the steps, now only need to use a resident health card can be easily realized.

Rehai, deputy director of Beijing Health and Family Planning Commission, said the construction and implementation of the resident health card project will gradually unify the existing new rural cooperative medical certificate and medical institution card, which greatly facilitates the new agricultural cooperation real-time settlement, the resident appointment registration, inquires the vaccination record, the previous medical record, the examination result and the prescription, Cost settlement.

Xu Weijin said that last July, the postal Reserve Bank and Tongzhou District jointly launched the health card construction work, the first to the new farmers to join the pilot distribution farmer. The next step will be for Tongzhou District 1.3 million residents free of charge to meet the financial IC Card Standard Resident Health card, actively expand payment settlement environment, the use of the open telephone banking, internet banking, mobile banking, TV bank, micro-credit Bank, micro-Bo Bank, easy to trust banks and other electronic services channels to create more convenient use of card conditions.