PSBC continues to promote technology empowerment to promote high-quality economic and social development

Technology drives transformation, and innovation leads development. In recent years, under the concept of "prospering with science and technology", Postal Savings Bank of China has kept in mind the mission of state-owned banks, accelerated digital transformation, actively exerted its own advantages, been close to the market and the front line, vigorously deepened the integration of industry and technology, empowered business with science and technology, and continued to output high-quality financial innovative products and services, providing "scientific and technological assistance" for the whole bank to actively integrate into the overall situation of economic and social development and fully serve the national strategy.

　　Deeply cultivate the "three rural areas" service and serve rural revitalization

　　In Zhouzhi County, Xi'an City, Shaanxi Province, the boss of Kiwifruit Acquisition Wang, was excited to see the 300,000 yuan loan that arrived. "I just applied for the loan in less than 3 minutes through the shortcut on my mobile page. PSBC 'Instant Loan' is fast! ”

　　In order to make the "Instant Loan" faster, PSBC gives full play to the resource advantages of "technology + regional characteristics", understands the pain points and needs of related businesses, and realizes that "Instant Loan" can be handled through the shortcut of the mobile phone page, and customers can apply for and hold the "Instant Loan" credit line without downloading the mobile banking APP and applying for a postal savings bank card. The function has been online for 5 months, and the "instant loan" handled through the shortcut of the mobile page of PSBC has exceeded 24.2 billion yuan.

Postal Savings Bank Xi'an Zhouzhi County Branch visited kiwifruit farmers

　　"In the past, we had trouble raising money, so we had to find people everywhere to borrow money and go back and forth to the bank for loans. Now the Postal Savings Bank takes the initiative to provide door-to-door service and teaches us to apply for loans on the 'smart rubber platform', which is much more convenient. Sister Xu, a rubber farmer from Baisha Li Autonomous County in Hainan Province, sighed.

　　The "Smart Rubber Platform" launched in Hainan is a financial agricultural assistance platform developed by Postal Savings Bank, relying on the API, H5 and other technical capabilities output by the service open platform to provide one-stop services for rubber farmers. The "Smart Rubber Platform" has changed the way customers interact with banks, helping local farmers achieve one-stop business application, lending and repayment of credit products online, greatly broadening financing channels. Since the launch of the project, the number of rubber farmers on the platform has exceeded 27,000, with an average daily transaction volume of 1.5 million yuan, realizing the online operation of the whole process of financing business and creating a new service model of "platform + farmer + technology + finance".

The relationship manager of PSBC introduced the Hainan Rubber Farmer Harvest Card to farmers

　　Rural revitalization, the tide rises and the sky is wide. PSBC adheres to the empowerment of science and technology, vigorously promotes the integration of industry and technology, provides efficient and convenient financial services on the road to helping to comprehensively promote rural revitalization, and strives to open up the "last mile" of financial services for "three rural areas".

　　Inject financial "living water" to serve the real economy

　　Since the outbreak of the epidemic, PSBC has actively innovated and continuously developed financial products and services adapted to the market. Among them, in order to accelerate the application of the U-chain supply chain system in the real economy and inclusive finance, PSBC uses blockchain technology to develop a U-chain supply chain platform to provide online supply chain financing services for core enterprises and third-party business platforms, effectively reducing the comprehensive financing costs of small and micro enterprises, injecting financial "living water" into the development of enterprises, and effectively helping enterprises tide over difficulties and develop steadily.

　　 "PSBC's U-chain supply chain platform is easy to operate and efficient in lending. For customers who open accounts in different places, PSBC opens an exclusive green channel, and the account manager guides the whole process, and the service is very intimate. Xiaojiang, a financial officer of a small trading company in Chongqing, said with satisfaction after handling business through the U-chain supply chain platform of Postal Savings Bank. Since its launch on August 20, 2021, relying on digital supply chain products such as online platform factoring, online supply chain U Xin, and car loans, PSBC's U-chain supply chain platform has successively accessed 15 leading enterprises and third-party platforms, with a cumulative loan of more than 22.6 billion yuan as of the end of December 2022, an increase of 42% over the beginning of the year, a 136% increase in the number of effective financing customers, and a year-on-year increase of 118% in online loans. Through this platform, PSBC continues to deliver financial "living water" to the end of the industrial chain, accurately watering small and medium-sized enterprises, and empowering inclusive financial services with technology.

　　Empower the digitalization of government affairs and support the development of Xiong'an New Area

　　As a large state-owned commercial bank, PSBC attaches great importance to serving the construction of Xiong'an New Area, and actively integrates into and serves Xiong'an. PSBC signed a strategic cooperation agreement with the Administrative Committee of Xiong'an New Area in September 2018, and established Xiong'an Branch in December 2019, actively cooperating with the Xiong'an New Area Government, exploring new application models of financial technology, and continuously empowering the construction of Xiong'an New Area. Especially in the field of government affairs and finance, PSBC docked with the construction needs of financial projects in Xiong'an New Area, exclusively undertook the construction of Hebei Provincial Department of Finance and Xiong'an New Area fiscal non-tax electronic bill blockchain project, realized the full-chain service of business processes from end users to financial units, and achieved the goal of "full coverage of one network, one chain strung together, one screen to view the province, and scan the code to pay fees", effectively improving government efficiency and customer experience, and is at the leading level in the industry in "digital finance" services in Xiong'an New Area. Relying on the opportunity of the National Health Insurance Administration to promote the medical insurance reform of Xiong'an New Area, combined with the blockchain management platform of non-tax electronic bills in the New Area, PSBC joined the smart medical reform project team of Xiong'an New Area, undertaking part of the core work of medical settlement, medical insurance reimbursement and big data processing, and participating in the creation of a multi-platform linkage future urban public medical and health management service platform. In addition, PSBC has reached a cooperation with the Housing Management Center of Xiong'an New Area to apply blockchain technology to the supervision of financial institutions and real estate transaction funds by docking the pre-sale fund supervision system of commercial housing in the new district, and innovate a new model of supervision of pre-sale funds for commercial housing in real estate development enterprises.

　　Support railway construction to help the transportation power

　　Since signing a strategic cooperation agreement with China National Railway Group Co., Ltd. in September 2021, PSBC has given full play to its own advantages, continuously explored a new model of "railway + finance + technology" cooperation, and actively improved the all-round financial service capabilities of upstream and downstream customers in the railway industry chain. The Sichuan-Tibet Railway is a strategic project of the century. In 2021, on the eve of the start of the Sichuan-Tibet Railway project, Sichuan-Tibet Railway Co., Ltd. needed a system to supervise the use of special construction funds. PSBC quickly rushed to the project company's site to deeply understand customer needs, customize a characteristic fund supervision cloud platform, and ensure the safety of special construction funds for the project. "The Postal Savings Bank's fund supervision cloud platform has advanced technology and comprehensive functions, which has solved the problems of difficult capital budget approval, fund use supervision, and construction payroll tracking for railway construction projects in remote areas." The financial staff of Sichuan-Tibet Railway Co., Ltd. spoke highly of the Postal Savings Bank's fund supervision cloud platform. Taking this as an opportunity, PSBC launched the railway construction fund supervision cloud platform, which brings all links of the railway construction capital chain into the scope of supervision, and ensures the safe, compliant and efficient payment of construction funds on the basis of meeting the daily settlement needs of project companies and construction participants. Up to now, PSBC's railway construction fund supervision cloud platform has been promoted and applied in a number of railway projects, with a cumulative bid supervision amount of more than 72 billion yuan, contributing to the development of the real economy and the construction of a powerful transportation country. Serve rural revitalization, support the real economy, empower the digitalization of government affairs, and help the transportation power... These are just a microcosm of PSBC's strategy to actively serve the country. In the next step, PSBC will be guided by the spirit of the 20th National Congress of the Communist Party of China, adhere to innovation and guidance, strengthen the integration of industry and technology, make every effort to build a one-stop, professional and comprehensive financial service system, promote the high-quality development of PSBC, and make new and greater contributions to the high-quality economic and social development and improvement of people's well-being.