2 thoughts on “Bohai Bank’s transformation to light banks is mainly reflected in the seven aspects”
Steven
Needless to say, light transformation is inseparable from the support of technology. Some people in the banking industry pointed out that in order to truly realize “light management” and “light management”, we must rely on the power of technology. Based on this, the banner of head joint -stock banks has clearly proposed to build a fintech bank and take the exploration digital business model as the main direction of the second half of the transformation. It shows the importance of technology in the light transformation of banks.
I is unique. In recent years, along the direction of “light banking”, Bohai Bank has continued to work in the field of science and technology, closely focusing on the financial technology transformation work of “central and platform structure, data -driven, intelligent operation and maintenance, agile and efficient” to accelerate the bank The transformation of “licensed fintech company”.
The importance to technology at the Bohai Bank may be glimpsed from the following data. The annual report shows that as of the end of the reporting period, the Ministry of Information Technology of the Bohai Bank has a total of 709 people, a year -on -year increase of 75%. It is worth mentioning that the scientific and technological personnel of the bank accounted for 7.32%at the end of 2021. On the other hand, Bohai Bank’s annual science and technology investment was 945 million yuan, an increase of 68.75%year -on -year.
At the same time, during the reporting period, the bank completed the preparation of the “Four Five -Year” development plan of the information technology, focusing on the construction of fintech transformation and China -Taiwan architecture design, new version of mobile banking APP, “risk 30 30 risk 30 ” ” And other major projects; continue to promote the construction of data governance systems, accelerate the construction of important projects such as big data platforms for lakes and warehouses, and automatic approval models for public business, and comprehensively promote the transformation of digital banks.
It attention. In the process of achieving the “light banking” development goal through digital transformation, although technology plays an important role, it cannot blindly pursue the cutting -edge technology itself and ignore the fundamental logic of business development. Many banking industry believes that only by organizing the two and deep integration of the two can we realize the comprehensive and dimension and paradigm conversion of operating management.
Aplay the effective combination of technology and business to achieve the effect of 1 1> 2?
The inclusive financial business of the bank as an example. It is understood that with the help of fintech, Bohai Bank gives full play to the role of government information and big data, and comprehensively gather different channels of information through financial technology, combined with customers’ customers The business chain and information chain are sorted out to promote the “online and offline integration” to promote the business model. At the same time, in accordance with the characteristics of small and micro enterprises “small, frequent, urgent”, optimize settlement, deposits, bills, international businesses, and realizing online and automation of services such as loan application, approval, repayment, and other services.
At the level of product and service, Bohai Bank has created a “1 N” circle chain solution product to innovate business models and risk measures to realize the batch credit mechanism of inclusive small and micro enterprises. At the same time, discover information centers such as core enterprises, Internet heading companies, business districts, markets, and government big data platforms to achieve batch marketing of credit business.
The annual report shows that as of the end of December 2021, the balance of inclusive financial loans of Bohai Bank was 59.482 billion yuan, an increase of 22.970 billion yuan and an increase of 62.91%over the end of the previous year. 60,000 households were added last year.
The empowerment effect on the retail business sector technology is also emerging. In 2021, the Retail Bank of Bohai Bank was closely implemented in the “Four Five -Year Plan”, expanded the “big customer group”, built “big platforms”, built a “big ecology”, continued to promote the “light boat plan”, and promoted the in -depth integration of digitalization and retail business. The coordinated development of risk management and product innovation, and the retail business continues to play the role of the entire “strategic breakthrough business”.
The annual report shows that in 2021, the bank’s retail line realized operating income of 10.352 billion yuan, an increase of 20.13%year -on -year; the total retail deposit amount was 134.932 billion yuan, a year -on -year increase of 32.36%. Ranking first.
“Financial technology empowering commercial banks’ transformation and development is in -depth, profound and profound. In the future, the business and management of commercial banks must be re -inspected, reshaped, restarted, and reconstructed.” Hong Zhi said.
Sweed ecological service: Value is anchor
is worth noting that on the way to “light banking”, only digitalization is not enough. McKinsey pointed out in the report that “digital ecosystem” is an inevitable path for the transformation of the banking industry.
The so -called “ecosystem”, for banks, the essence is to serve the client -to -end financial -related needs through the “finance scene” method. Starting from the potential pain points of customers, the bank taps a series of scenes and opportunities to solve the pain points of customer pain, so as to comprehensively and seamlessly insert financial products into related scenarios to the customer’s journey to meet the customer’s all -round needs.
is worth mentioning that Bohai Bank earlier realized the importance of ecology on digital transformation, proposed to establish a “ecological bank” with open and ecological cooperation as the core, and the first to propose “symbiosis and co -construction “Models, realize the construction of the scenes with partners, data sharing, and double value.
in recent years, the bank’s “ecological bank” has continued to advance. The annual report shows that in 2021, the Bohai Bank Ecological Bank entered a new stage of development: on the one hand, for all users and running through full -time domains, financial services are decoupled and integrated, module packaging, and through API services, H5, applets, finance, finance, finance, finance, finance Various methods such as cloud services, open products and services, transactions and processes, data and algorithms, and linking industry ecology.
The on the other hand, improve the construction of “going out, please come in, and co -build” system. Build product shelves, apply for networking, standardized packaging and output of Bohai Bank credit, wealth and agency products, and integrate financial services and products into the scene.
Is than for this, while the asset scale achieved double -digit growth, the scale of Bohai Bank’s deposit and loans has been re -level: the issuance of loans and pads during the reporting period is 937.907 billion yuan. Compared with the end of the previous year, 8.16%; the absorption of the deposit of RMB 835.921 billion, an increase of 10.25%over the end of the previous year; the increase in deposits increased the total liabilities in synchronization. During the reporting period, the total liabilities of the bank were RMB 1476.144 billion, an increase of 14.41%over the end of the previous year. Essence
It, whether it is digital transformation or the construction of “ecological banks”, its ultimate goal is to point it Essence
This in this regard, Bohai Bank continues to explore. For example, in 2021, through customer insights, deepen the needs of customers’ financial scenarios, and use hook products to drain ecological customers to offline outlets, enhance customer activity and retention, and form the coverage and operation of the entire circle, industry and ecological customers, and launch. The online financial service business hall “cloud outlet” and build it as a new business growth pole. It is understood that since the implementation of digital strategic transformation, the business rate of Bohai Bank has exceeded 90%of the counter.
At the same time, Bohai Bank fully promotes the construction of the new version of mobile banking. While improving the user experience, it will upgrade the ability of ecological banks to operate and serve. Furthermore, actively respond to national strategies such as common prosperity, rural rejuvenation, and aging, and continuously increase the promotion and service capabilities of the sinking market, and integrate regional and user -differentiated services.
In the annual report, during the reporting period, Bohai Bank launched the people’s benefit and benefit of the people’s brand “Bo Lanhui”, which continued to introduce high in the fields of government affairs and people’s livelihood and consumer life in education, medical care, pension, and childcare. Ecological partners with quality and brand effects form a “one line, one scene, one city, one characteristic” customer localization exclusive service. At the same time, the “Elderly Edition” is launched for elderly customers, with larger fonts and convenient operations. It integrates customized functions such as global voice navigation and one -click help.
In many people in the industry bluntly, under the idea of ”light banking” with “seven light” as the core, Bohai Bank gradually explores a difference in digital transformation and ecological banks, etc. The development path is quite effective. In the future, as long as the customer -centric and strengthening service value -oriented, the high -quality moat of the bank will further expand, and the long -term growth can be expected.
Bohai Bank’s transformation to light banks is mainly reflected in which seven aspects of the question answered as follows. Qu Hongzhi, president of Bohai Bank, also wrote that the bank’s “light” is to take the customer -oriented, strengthen service value orientation, and change from funding intermediaries to change. Provider for service solutions. Bohai Bank should explore and build a “light bank” transformation and development system with the “seven light” as the core through the experience and practical paths of advanced commercial banks. “Seven Light” specifically refers to the centered on customer -centric, value creation, and adhere to the “light capital occupation, light asset development, light risk preferences, light outlet layout, light resource consumption, light operation mode, light process stagnation” “” Transformation system. Thank you for your reference only.
Needless to say, light transformation is inseparable from the support of technology. Some people in the banking industry pointed out that in order to truly realize “light management” and “light management”, we must rely on the power of technology. Based on this, the banner of head joint -stock banks has clearly proposed to build a fintech bank and take the exploration digital business model as the main direction of the second half of the transformation. It shows the importance of technology in the light transformation of banks.
I is unique. In recent years, along the direction of “light banking”, Bohai Bank has continued to work in the field of science and technology, closely focusing on the financial technology transformation work of “central and platform structure, data -driven, intelligent operation and maintenance, agile and efficient” to accelerate the bank The transformation of “licensed fintech company”.
The importance to technology at the Bohai Bank may be glimpsed from the following data. The annual report shows that as of the end of the reporting period, the Ministry of Information Technology of the Bohai Bank has a total of 709 people, a year -on -year increase of 75%. It is worth mentioning that the scientific and technological personnel of the bank accounted for 7.32%at the end of 2021. On the other hand, Bohai Bank’s annual science and technology investment was 945 million yuan, an increase of 68.75%year -on -year.
At the same time, during the reporting period, the bank completed the preparation of the “Four Five -Year” development plan of the information technology, focusing on the construction of fintech transformation and China -Taiwan architecture design, new version of mobile banking APP, “risk 30 30 risk 30 ” ” And other major projects; continue to promote the construction of data governance systems, accelerate the construction of important projects such as big data platforms for lakes and warehouses, and automatic approval models for public business, and comprehensively promote the transformation of digital banks.
It attention. In the process of achieving the “light banking” development goal through digital transformation, although technology plays an important role, it cannot blindly pursue the cutting -edge technology itself and ignore the fundamental logic of business development. Many banking industry believes that only by organizing the two and deep integration of the two can we realize the comprehensive and dimension and paradigm conversion of operating management.
Aplay the effective combination of technology and business to achieve the effect of 1 1> 2?
The inclusive financial business of the bank as an example. It is understood that with the help of fintech, Bohai Bank gives full play to the role of government information and big data, and comprehensively gather different channels of information through financial technology, combined with customers’ customers The business chain and information chain are sorted out to promote the “online and offline integration” to promote the business model. At the same time, in accordance with the characteristics of small and micro enterprises “small, frequent, urgent”, optimize settlement, deposits, bills, international businesses, and realizing online and automation of services such as loan application, approval, repayment, and other services.
At the level of product and service, Bohai Bank has created a “1 N” circle chain solution product to innovate business models and risk measures to realize the batch credit mechanism of inclusive small and micro enterprises. At the same time, discover information centers such as core enterprises, Internet heading companies, business districts, markets, and government big data platforms to achieve batch marketing of credit business.
The annual report shows that as of the end of December 2021, the balance of inclusive financial loans of Bohai Bank was 59.482 billion yuan, an increase of 22.970 billion yuan and an increase of 62.91%over the end of the previous year. 60,000 households were added last year.
The empowerment effect on the retail business sector technology is also emerging. In 2021, the Retail Bank of Bohai Bank was closely implemented in the “Four Five -Year Plan”, expanded the “big customer group”, built “big platforms”, built a “big ecology”, continued to promote the “light boat plan”, and promoted the in -depth integration of digitalization and retail business. The coordinated development of risk management and product innovation, and the retail business continues to play the role of the entire “strategic breakthrough business”.
The annual report shows that in 2021, the bank’s retail line realized operating income of 10.352 billion yuan, an increase of 20.13%year -on -year; the total retail deposit amount was 134.932 billion yuan, a year -on -year increase of 32.36%. Ranking first.
“Financial technology empowering commercial banks’ transformation and development is in -depth, profound and profound. In the future, the business and management of commercial banks must be re -inspected, reshaped, restarted, and reconstructed.” Hong Zhi said.
Sweed ecological service: Value is anchor
is worth noting that on the way to “light banking”, only digitalization is not enough. McKinsey pointed out in the report that “digital ecosystem” is an inevitable path for the transformation of the banking industry.
The so -called “ecosystem”, for banks, the essence is to serve the client -to -end financial -related needs through the “finance scene” method. Starting from the potential pain points of customers, the bank taps a series of scenes and opportunities to solve the pain points of customer pain, so as to comprehensively and seamlessly insert financial products into related scenarios to the customer’s journey to meet the customer’s all -round needs.
is worth mentioning that Bohai Bank earlier realized the importance of ecology on digital transformation, proposed to establish a “ecological bank” with open and ecological cooperation as the core, and the first to propose “symbiosis and co -construction “Models, realize the construction of the scenes with partners, data sharing, and double value.
in recent years, the bank’s “ecological bank” has continued to advance. The annual report shows that in 2021, the Bohai Bank Ecological Bank entered a new stage of development: on the one hand, for all users and running through full -time domains, financial services are decoupled and integrated, module packaging, and through API services, H5, applets, finance, finance, finance, finance, finance Various methods such as cloud services, open products and services, transactions and processes, data and algorithms, and linking industry ecology.
The on the other hand, improve the construction of “going out, please come in, and co -build” system. Build product shelves, apply for networking, standardized packaging and output of Bohai Bank credit, wealth and agency products, and integrate financial services and products into the scene.
Is than for this, while the asset scale achieved double -digit growth, the scale of Bohai Bank’s deposit and loans has been re -level: the issuance of loans and pads during the reporting period is 937.907 billion yuan. Compared with the end of the previous year, 8.16%; the absorption of the deposit of RMB 835.921 billion, an increase of 10.25%over the end of the previous year; the increase in deposits increased the total liabilities in synchronization. During the reporting period, the total liabilities of the bank were RMB 1476.144 billion, an increase of 14.41%over the end of the previous year. Essence
It, whether it is digital transformation or the construction of “ecological banks”, its ultimate goal is to point it Essence
This in this regard, Bohai Bank continues to explore. For example, in 2021, through customer insights, deepen the needs of customers’ financial scenarios, and use hook products to drain ecological customers to offline outlets, enhance customer activity and retention, and form the coverage and operation of the entire circle, industry and ecological customers, and launch. The online financial service business hall “cloud outlet” and build it as a new business growth pole. It is understood that since the implementation of digital strategic transformation, the business rate of Bohai Bank has exceeded 90%of the counter.
At the same time, Bohai Bank fully promotes the construction of the new version of mobile banking. While improving the user experience, it will upgrade the ability of ecological banks to operate and serve. Furthermore, actively respond to national strategies such as common prosperity, rural rejuvenation, and aging, and continuously increase the promotion and service capabilities of the sinking market, and integrate regional and user -differentiated services.
In the annual report, during the reporting period, Bohai Bank launched the people’s benefit and benefit of the people’s brand “Bo Lanhui”, which continued to introduce high in the fields of government affairs and people’s livelihood and consumer life in education, medical care, pension, and childcare. Ecological partners with quality and brand effects form a “one line, one scene, one city, one characteristic” customer localization exclusive service. At the same time, the “Elderly Edition” is launched for elderly customers, with larger fonts and convenient operations. It integrates customized functions such as global voice navigation and one -click help.
In many people in the industry bluntly, under the idea of ”light banking” with “seven light” as the core, Bohai Bank gradually explores a difference in digital transformation and ecological banks, etc. The development path is quite effective. In the future, as long as the customer -centric and strengthening service value -oriented, the high -quality moat of the bank will further expand, and the long -term growth can be expected.
Bohai Bank’s transformation to light banks is mainly reflected in which seven aspects of the question answered as follows. Qu Hongzhi, president of Bohai Bank, also wrote that the bank’s “light” is to take the customer -oriented, strengthen service value orientation, and change from funding intermediaries to change. Provider for service solutions. Bohai Bank should explore and build a “light bank” transformation and development system with the “seven light” as the core through the experience and practical paths of advanced commercial banks. “Seven Light” specifically refers to the centered on customer -centric, value creation, and adhere to the “light capital occupation, light asset development, light risk preferences, light outlet layout, light resource consumption, light operation mode, light process stagnation” “” Transformation system. Thank you for your reference only.