Building a new track for digital financial services, opening banks and empowering the high-quality development of the real economy
abstract:
Digital economy has become a new kinetic energy for global economic growth. As an important part of the development of digital economy, the unique development format of platform economy puts forward new requirements for financial services. ICBC actively responded to the policy call, profoundly grasped the new connotation of digital finance, and made great efforts to build an open banking service brand of digital finance "Rong E Ju" with the strongest connectivity, the widest product supply and the best digital service. Starting from financial politics and people’s nature, it focused on key scenes and targeted efforts, solidly served the real economy and took root in serving the people.
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Welcome the digital age and grasp the new connotation of financial services.
With the deepening of the new round of global scientific and technological revolution and industrial transformation, the digital economy has moved towards an all-round expansion period and become a new kinetic energy for global economic growth. All walks of life actively welcome the digital wave and accelerate the exploration of a platform-based business model that matches the development of the digital economy. The platform economy has become an important support for the development of the digital economy and led the innovation of the digital economy model and scene. In 2023, the government work report even proposed to "vigorously develop the digital economy and support the development of the platform economy".
The unique platform-based business forms such as "GBC three-terminal linkage, multi-product demand, multi-service scenarios and differentiated processes" put forward new requirements for the corresponding digital financial services. The General Secretary of the Supreme Leader proposed to do a good job in digital finance at the Central Financial Work Conference. In the new era, digital finance is endowed with new connotations: aiming at promoting the digital transformation of the real economy, consolidating the foundation of data and scientific and technological capabilities, improving the availability of industrial finance and personal financial services, building a digital operation service system, strengthening digital risk control capabilities, and building a safe, efficient, win-win financial service ecosystem.
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Adhere to finance for the people and effectively help the development of the real economy
ICBC has consistently adhered to digital development, actively implemented the spirit of the Central Financial Work Conference, and strived to promote the construction of D-ICBC, creating a digital financial open banking service brand "Rong E Ju" with the strongest connectivity, the widest product supply and the best digital service, focusing on five scenarios of digital people’s livelihood, digital industry, digital countryside, digital education and digital government affairs, and integrating "industry+finance". Relying on the comprehensive and intensive advantages of "one point access, bank-wide response and comprehensive service", the open bank has served nearly 50,000 platforms this year, reaching 15 million B-end customers and 500 million C-end customers, with platform transactions reaching 700 trillion yuan.
Serve the digital people’s livelihood and practice people’s finance.In order to implement the instructions of the Supreme Leader General Secretary "to improve people’s quality of life, improve the social security system of multi-channel flexible employment, and safeguard the legitimate rights and interests of new citizen groups such as truck drivers, courier brothers and take-away distributors", ICBC adheres to the "people-centered" financial development concept, and provides in-depth services to many head-end online freight platforms such as Lu Ge, Dayi, Chengfeng and Huiyun, and well-known life service platforms such as JD.COM and Meituan. Provide financial services such as salary payment, inclusive loans, medical insurance and social security, daily payment and daily consumption to 20 million new citizens such as freight drivers, courier brothers and take-away riders, improve the availability, convenience and accuracy of people’s diversified financial needs such as housing, employment, medical care, old-age care and education, and serve as the main force of the real economy and the "ballast stone" for maintaining financial stability.
Promote the digital industry and help strengthen the country through science and technology.In 2022, the Central Economic Work Conference took "accelerating the construction of a modern industrial system" as one of the five key tasks of economic work. ICBC effectively served the construction of a unified national market and the development of "specialized and innovative" enterprises, focusing on the needs of factor transaction margin management, integrated payment and settlement of production, supply and marketing, and financing of upstream and downstream enterprises in the supply chain, creating industry solutions and benchmark cases of industrial manufacturing in the trading market, and empowering the construction of digital industry platforms with digital finance; Strengthen financial support for national strategic scientific and technological forces, anchor and improve the sense of acquisition and inclusiveness of financial services for "specialized and innovative" enterprises, explore exclusive online banking version, exclusive digital operation, exclusive ecological empowerment and exclusive preferential policies, provide digital financial services for nearly 60% of "specialized and innovative" enterprises nationwide, and become one of the largest financial empowerment platforms serving the "specialized and innovative" market in China, effectively promoting a virtuous circle of technology, industry and finance.
Build a digital village and accelerate the linkage between urban and rural areas.In order to implement the strategy of rural revitalization, ICBC cooperated with China Supply and Marketing Group and 18 provincial (city) supply and marketing cooperatives to build a full-capacity digital business ecosystem with aggregated industrial clusters and embedded financial supply, and seamlessly connected financial services with the core business scenarios of supply and marketing such as sales of agricultural materials, agricultural products, daily necessities, collection, distribution and rural governance, and constantly improved a multi-level, wide-coverage and sustainable modern rural financial service system, adding vitality and motivation to rural revitalization with high-quality financial services.
Deeply cultivate digital education and help strengthen education.Industrial and Commercial Bank of China has launched "Education Cloud" for K12, universities and vocational schools, which integrates campus payment, all-in-one card and comprehensive management, covering millions of students and helping the high-quality development of "smart campus" in basic education, higher education and vocational education. At the same time, in response to the "double reduction" policy requirements of the Ministry of Education, the supervision of after-school service funds is strengthened through the comprehensive service scheme of "account supervision+payment and settlement", which will inject continuous financial vitality into building a learning society and a learning country and promote the sustained and healthy development of educational services.
Empowering digital government affairs and improving service efficiency.As one of the goals of building a digital China in 2025, all parts of the country will accelerate the pace of building digital government. ICBC services connect with over 200 comprehensive government affairs and vertical government affairs service platforms in 35 provinces (cities), covering scenes such as "One Code Connecting the City", "All Netcom Office", "Smart City", "Smart Politics and Law" and "Smart Travel", promoting the transformation and upgrading of e-government to digital government affairs, and helping to significantly improve the level of digital intelligence of government affairs.
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Adhering to safety as the foundation, helping the platform economy to develop continuously and steadily.
Platform economy is the product of the deep integration of digital economy and real economy. In the all-round infiltration of production and life, it constantly enhances the sense of acquisition and identity of digital dividends by all sectors of society and the people. At the same time, the prevention and control of financial risks is the eternal theme of financial work. While strengthening the innovation of digital finance, it is urgent to pay attention to the new risks brought by the new platform model of "platform-based, online, multi-agent and long-cycle", fully implement the overall national security concept, establish and improve the long-term mechanism and protective measures for risk life-cycle management, ensure the safety of data interaction, compliance in use and controllable scope in the service process, and ensure the platform economy.
At present, ICBC has basically established the framework of open banking service system and achieved initial positive results. The next step will be based on the experience of open banking digital financial service system and digital transformation service, fully implement the spirit of the Central Financial Work Conference, do five major articles on digital finance, technology and finance, inclusive finance, pension integration and green finance, and realize the cross-application of different scenarios in the ecology through cross-border cooperation, functional integration and service penetration, so as to maximize the potential energy and vitality of the ecology and enhance the comprehensive benefits of platform financial services to the real economy.
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