Deepening digital transformation is a necessity for the high-quality development of finance.

The Third Plenary Session of the 20th Central Committee of the Party pointed out the need to accelerate the construction of systems and mechanisms that promote the development of the digital economy and to improve the policy system that promotes the digitalization of industries and the industrialization of digital technology.

In the wave of digital transformation, financial institutions in the city actively practice the political and people-oriented nature of financial work, adhere to a customer-centric approach, regard digital technology as a productive force, strengthen technological empowerment and digital scene construction, and accelerate digital transformation to create a distinctive digital financial ecosystem.

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With the "digital" brush, they depict an innovative landscape and empower the high-quality development of finance with a higher level of digitalization.

"Doing a good job in assisting the physical economy with 'refined articles'" "Our company has more than 200 employees, and due to busy work, it is difficult to find time to go to bank branches to handle bank cards and related business.

Now, thanks to the mobile business platform launched by Baoding Bank, this big problem has been solved."

The person in charge of a manufacturing enterprise in Gaobeidian praised the convenient services launched by Baoding Bank.

The convenience felt by customers stems from the changes brought about by the "one-stop" service reform implemented by Baoding Bank.

The bank has built a mobile business platform to break through the limitations of physical branches, enhance door-to-door service capabilities, and shift from the traditional "sitting merchant" model to the future "walking merchant" marketing model.

It breaks the traditional bank counter service model and provides customers with a "one-stop" mobile service experience for account opening, channel signing, and legal person exemption.

With the vigorous development of cutting-edge technologies such as big data, cloud computing, and artificial intelligence, financial institutions have embraced change and actively promoted the digital transformation of business models.

From the popularization of online banking services to the rise of intelligent investment advisors, the reach of digital finance is extending into every corner of financial services at an unprecedented speed and depth.

The Baoding Branch of Bank of China launched the Bank of China Enterprise E-Manager Service Cloud Platform, integrating into the digital scenarios of enterprises through an open ecosystem of "digital + scene + service," supporting enterprises to complete payroll calculation, tax reporting, disbursement, and wage slip push on the Bank of China Enterprise E-Manager official website in a "one-stop" manner, effectively releasing the working time of financial personnel, reducing labor costs, and improving the efficiency of personnel payroll and financial disbursement, greatly enhancing the internal office efficiency of enterprises and helping enterprises to reduce costs and increase efficiency in digital transformation.

Baoding Bank's key development of the first online personal consumer loan product "Bao Easy Loan" relies on big data such as public funds, credit investigation, and anti-fraud to establish a precise risk control model, achieving online access investigation, customer application, anytime withdrawal, and self-service repayment functions.

The Baoding Branch of Bank of Communications strengthens the construction of retail business scenarios, using big data, cloud computing, and other technological means to achieve precise customer portraits, providing customers with more precise and personalized financial products and services.

At the same time, it strengthens the integration of online and offline to enhance the customer experience and create "seamless" financial services.

To meet the growing financial service needs of rural customers, the Baoding Branch of ICBC actively promotes the "ICBC Xingnong Tong APP," providing "not only credit" rural government affairs, living expenses payment, and agricultural technology learning "integrated" full-cycle services.

"Doing a good job in benefiting the people with 'warm articles'" "The branch appointment service is really easy to use, no waiting, and you can handle business as soon as you arrive."

After hearing that ICBC launched branch appointment services, Ms. Li immediately used the WeChat applet "ICBC Service" to make an appointment for the time and type of business at the store, experiencing the convenience brought by the integration of online and offline.

Branch appointment and in-store identification guidance services are a new service model launched by ICBC to implement digital finance policies and accelerate digital transformation, effectively solving the problem of long queues at branches and allowing customers to enjoy the high efficiency and convenience brought by digital finance innovation.

The rise of digital finance is like a revolution, breaking down the barriers of traditional finance and bringing unprecedented convenience and efficiency to financial services.

Since 2023, Baoding Bank has successively launched systems such as "paperless transformation," "centralized operation," "unified return receipt," "appointment queuing," "social security card," "large-amount deposit certificate," and "electronic certification," continuously improving branch smart services based on artificial intelligence, OCR recognition platform, and face recognition platform technologies, and enhancing customer experience.

The Baoding Branch of Bank of China has made mobile banking a panoramic payment platform based on the "three major communication operators" of mobile, Unicom, and Telecom, supported by "traffic fines" and "driver's exam fees," and breaking through with "Xiongan gas" and "heating fees," integrating multiple scenarios to help digitalize operations.

Our city's rural credit system actively explores new models of campus digital construction, working with schools to create a modern, intelligent "smart campus" platform that is "convenient for schools, reassuring for parents, and worry-free for students" according to the actual situation of the jurisdiction.

Students can dine in the cafeteria through the convenient payment methods of the platform, and parents can grasp the students' dining and consumption situation in real-time and recharge online through mobile banking.

"Doing a good job in promoting reform with 'smart articles'" Online loans, mobile payments, digital currency... On the big stage of digital finance, financial institutions continuously innovate service models, greatly enriching the connotation and extension of financial services.

At the same time, they fully use big data and artificial intelligence technology to ensure digital operations.

The Baoding Branch of ICBC applies RPA automation technology, using internal RPA robots to automatically export cash box storage data from the cash box logistics 1.0 system and automatically import it into the intelligent vault system, achieving unmanned intelligent warehousing, effectively improving the risk prevention and control ability of vault business, physical storage capacity, reducing manual labor, and enhancing the level of warehouse automation management and vault operation efficiency, creating a digital "workforce."

The Baoding Branch of Bank of China insists on taking mobile banking as the core, integrating multi-channel collaborative marketing service capabilities such as SMS touch, WeChat ecosystem, intelligent outbound calls, and manual assisted calls, to conduct precise analysis and activity configuration for customers, fully supporting the business promotion and customer reach of all personal financial products, greatly reducing manual costs, and improving work efficiency.

The development of digital finance is accompanied by a series of challenges.

Network security threats, data privacy leaks, and other issues are constantly testing the response capabilities of financial institutions.

Faced with challenges, our city's financial institutions strengthen technology research and development and security protection, and fully protect the legitimate rights and interests of customers.

Baoding Bank enhances risk identification and control capabilities and internal control management capabilities with digital means.

Since 2023, it has successively launched platform applications such as "anti-money laundering system," "anti-fraud system," "development security management system," "performance assessment system," and actively promotes the construction of the "risk warning platform," introducing intelligent machine learning models, and accelerating the transformation of loan risk control and internal control management from experience-driven to data-driven.