In 2020, in the face of complicated epidemic period after the new situation, everbright bank to take a hard look at what the market environment, customer demand and its own development, to “world-class wealth management Banks” as the strategic guide, adhere to “seek improvement in stability, seeking machine change, into the new” working train of thought, concrete service economy, strengthen customer base, accelerate the digital transformation, deepen the E – SBU personal ecosystem construction, improve the retail financial management quality, and the effect, to enhance profitability.
Annual report data show that in 2020, the bank’s retail transformation and light transformation continue to promote, wealth management features are further prominent, by the end of 2020, retail deposits reached 805.5 billion yuan, increased by 98.4 billion yuan compared with the end of the previous year, an increase of 13.9%. At the same time of the rapid growth of retail deposits, retail AUM also achieved a sustained and rapid growth, increasing by 12.4%.
Supporting the fight against the epidemic and serving people’s livelihood highlights the role of central financial enterprises
In the face of the epidemic test, Everbright Bank retail finance for the first time to introduce a number of epidemic support policies, to show the great care of light. Launched the “Angels in White” financial services package for healthcare workers; We will open up a green channel for small and micro business owners affected by the epidemic, and provide a number of convenient measures to solve the problem of capital turnover. In order to support the resumption of work and production of small and micro businesses, we will increase the supply of inclusiveness loans, lower the pricing of inclusiveness loans, and effectively implement the state policy of reducing fees and reducing profits. In order to help fight poverty alleviation, we will lower the assessment rate of poverty alleviation loans and promote the release of poverty alleviation loans. It also upgraded the famous Minsheng financial product “Migrant Workers’ Wage Guarantee” to the “Sunshine Wage” financial service brand to enable migrant workers to work with “salary”. We have earnestly fulfilled the mission of serving the national strategy as a central enterprise financial team.
Focus on customer characteristics and upgrade convenient financial services
Everbright Bank retail finance has always been customer-centric. In order to provide more targeted and professional “financial + non-financial” services, focusing on the “five major customer groups”, create a distinctive retail customer management system. Centered on the concept of convenient financial services, we will actively promote the upgrading of online services. In terms of marketing, we will comprehensively upgrade the service experience of rights and interests; In terms of agency service, online services such as “cloud card”, “cloud contract” and “electronic payroll” have been launched. In terms of financial management, there is no card purchase function; In terms of retail credit, online financing should be promoted. In the aspect of overseas finance, the newly launched one-stop mobile banking comprehensive service area for overseas finance enables customers to enjoy convenient and abundant financial services without leaving home. With the help of improved service quality, Everbright Bank’s retail customers have grown rapidly, and its scale ranks among the top in the industry. Its contribution to customer value has also been steadily improving.
We will deepen the digital transformation of the 123+N science and technology strategy
Under the impact of the epidemic and the impact of strict supervision on the financial business of Internet companies, the digital transformation of banks quickly entered the second half. Everbright Bank Retail Finance also accelerated the construction of digital system, actively promoted the online transformation of business processes, and helped the business transformation and development. In terms of the construction of Smart Middle Platform, the company launched the “Cloud Studio” project, and established a full-product service system, all-channel marketing contact, all-process marketing link and all-dimensional management structure. In the technology enabling application, optimize the mobile banking channel platform, upgrade the “wealth +” brand; Innovated and launched salary agency service “Cloud Card Opening”, financial sales AI explanation intelligent service, zhangxinbao cash management tools and other services; Build the rights and interests platform of Cloud Club for Going Ahead, launch online booking function for elite practice, etc., and constantly improve user experience.
Accelerate the strategic coordination and depth of the construction of Fortune E-SBU individual customer ecosystem
In recent years, Everbright Bank has given full play to the advantages of the integration of industry and finance, integration of finance and full financial license of Everbright Group, strengthened customer migration, cross-selling, product innovation and comprehensive services, deeply enabled the retail financial business, and actively promoted the construction of the Fortune E-SBU individual customer ecosystem. At present, it has launched the Charm Yunnan, Charm Xiamen and Charm Yangtze River Delta Tourism Festival to promote the business development of Yunnan, Xiamen and Yangtze River Delta. “Yixiang Sunlight” area has launched 4 brands and 11 elderly care communities, the number of visits continues to grow; The “go abroad +” card cooperated with CYTS has been well recognized by the market, and the cumulative number of cards issued has exceeded one million. Through the one-stop comprehensive service of SBU ecosystem, it not only brings customers a wealth of “financial + non-financial” products, but also broadens customer service scenarios and access channels, thus reserving abundant potential customer resources for retail finance.
2021, everbright bank retail financial will continue around the top wealth management Banks strategic vision and seize new opportunities, deep “binary” and to increase the intensity of the real economy service, improving customer service experience, deepen the digital transformation of science and technology, strictly abide by compliance risk the bottom line, rising retail financial value creation ability and high quality development ability, promoting business development to a new level, and to realize the new span of power for the development of national economy.