"Shanghai doesn't let anyone go. I'm old and don't know anything about online repayments. Seeing that the loan was about to expire, I was so anxious that I had to call you and ask you what to do. "In March this year, Ping An Bank Auto Finance Center received such a special hotline feedback.
After receiving the news, the financial center immediately verified that the caller was an elderly customer, and then started a quick process to handle a three-month deferment of repayment for the elderly within one working day. It was the first time to respond to the epidemic. During this period, the old man living alone sent warm greetings.
Since the beginning of spring, confirmed cases of new coronary pneumonia have increased in Shenzhen, Shanghai, Guangzhou, Jilin, Xi and other places. Like this old man, many people have had their lives disrupted by the epidemic, and their demand for financial services has increased sharply. At the same time, the China Banking Regulatory Commission recently proposed that banking financial institutions should flexibly adjust mortgage loan repayment arrangements and reasonably delay the repayment period to alleviate customers' repayment pressure. Against this background, Ping An Bank actively responded to the call, and each business line successively introduced corresponding relief policies and services to gather strong combat effectiveness in fighting the epidemic, practice financial and social responsibilities, strengthen online operations, and ensure that services are "uninterrupted". close the door". At the same time, we use multiple strategies and precise empowerment to alleviate the financial pressure of customers affected by the epidemic, share the joys and sorrows with customers, and overcome the difficulties of the epidemic.
Online operations are “open” and financial services are within reach.
“Graduates like me who have just worked for a few months have no savings and can’t go out. Fortunately, with Ping An Bank, they can solve the problem online.” 22-year-old Teacher Wang is in urgent need of 10,000 yuan Yuan pays the rent, but cannot go to the bank to apply for a loan because the community is closed.
During the epidemic, it was very inconvenient for people to go to offline outlets to handle business. Relying on its strong financial technology capabilities, Ping An Bank continues to strengthen its digital and online capabilities to ensure uninterrupted business operations and keep financial services within reach despite the epidemic.
In order to better meet customers’ financial needs, Ping An Bank’s Operations Department has integrated various online services during the epidemic by providing 7*24-hour contactless “air counter” services and online “at-home service” pages. Functions and services enable complete business autonomy, and customers can handle financial services without leaving home.
For example, the credit self-service launched by the Ningbo Branch during the epidemic can provide self-service online query functions for corporate credit reports, saving customers the time of waiting in line at branches. There is no need for paper materials, you can check it anytime and anywhere, truly realizing "non-closing" financial services. Since its launch, the client version of "Service to Home" has received more than 1.5 million page views, and the total number of users has exceeded 720,000, fully meeting the financial management needs of the majority of users.
Behind the stable, efficient and “open door” financial services is the hard work of Ping An’s employees. Shanghai is the "eye of the storm" of the current epidemic. In the face of the rapidly changing epidemic situation, Ping An Bank's Xuhui workplace in Shanghai immediately upgraded its work-from-home rotation plan and launched the "on-duty management and remote collaborative working" model to ensure uninterrupted business and services.
In order to better ensure the continuity of business and systems during the closed management period, many grassroots employees in Shanghai took the initiative to apply for continuous on-site duty. Five employees at the R&D center. The d team of the retail big data platform, Nie, Guo Zhichao, Zhang Yi, Wang Xiaohui, and Lu Haiming, formed two groups of on-duty volunteers. They gave up their small families for everyone, stayed in the company for a few days, and stuck to their posts, just to allow remote Work more smoothly.
Microfinance can save time and money in a timely manner.
Teacher Zhang is the person in charge of Changhe Foods, a cooked food supplier. Affected by the epidemic prevention and control, food sales in Shanghai increased sharply, and Changhe Food inventory could not keep up with order demand. "What's even more troublesome is that the logistics speed is not only slow, but the cost has also increased a lot. Our capital turnover has long been urgent." He said.
After learning about the situation, Ping An Bank’s mic
Mr. Zhang’s case is not an isolated one. Small and micro customers with weak capital reserves and poor risk resistance are prone to liquidity constraints during the epidemic.
Ping An Bank's retail loans adhere to the convenient financial service tenet of "saving worry, time and money", and use remote online surveys, video verification and other methods to simplify the loan process. At the same time, it cooperates with the fee reduction and profit policy, allowing customers to quickly obtain loans even if they are isolated at home. Financial support ensures that both "fighting the epidemic" and "promoting production" are achieved.
So far, Ping An Bank Shanghai Branch has issued rescue credits totaling more than 200 million yuan, helping more than 30 dealers across the country overcome operating difficulties.
Solve the problem through multi-party assistance and work together to overcome the difficulties of the epidemic.
“I didn’t expect that the bank not only didn’t press for repayment, but also renewed my loan on such favorable terms, without even having my own itinerary. It’s so convenient and considerate!” runs an architectural design company in Shanghai. Mr. Hu from the company said.
Mr. Hu is an old customer of Ping An Bank. Last year, he applied for a 5 million yuan "mortgage", but the epidemic came out of nowhere, and the company had problems withdrawing funds when the loan was about to expire. When Mr. Hu was anxious about repayment, Ping An Bank Shanghai Branch realized his predicament and immediately launched a special service process for the epidemic, completed property value assessment and remote inspection online, and helped Mr. Hu successfully obtain a loan without repaying the principal. The loan discount solved his urgent need.
Repeated epidemics have had a great impact on people's livelihood, and many people like Teacher Hu have encountered difficulties in arranging funds. All retail business lines of Ping An Bank adhere to the original intention of inclusive finance, implement various preferential rate measures, alleviate liquidity constraints of consumers and small and micro enterprises, and solve customer problems.
In terms of retail loan business, Ping An Bank adopts an interest rate pricing policy for specific customer groups to reduce the financing costs of small and micro business owners. At the same time, we will implement deferred principal and interest payments and credit protection for small and micro customer groups to relieve customers from their worries. In terms of credit card business, Ping An Bank's Credit Card Center adopts flexible collection methods and temporarily suspends collection for customers with severe disasters as appropriate. It also implements four rights and interests including hotel accommodation, buffet afternoon tea, Kwai Hui beverage rights, tea and coffee bags, and car washing services for car owners. The service has a postponement or cancellation policy to ensure customers’ rights and experience. In terms of auto finance business, Ping An Bank's Auto Consumer Finance Center allows customers affected by the epidemic to apply for loan extensions, and provides customers with extension or loan restructuring plans based on their specific circumstances to further ease customers' repayment pressure.
Take responsibility, fight on the front line, and work together to fight the epidemic.
Peers
Omicron is approaching fiercely. Faced with the severe epidemic prevention situation, Ping An people adhere to the "people-centered" values ??and ensure the normal operation of financial business while actively taking on their responsibilities. In order to fulfill social responsibility, we took the initiative to join the volunteer team to fight on the front line of epidemic prevention and control, and staged ordinary and heart-warming anti-epidemic stories.
The current epidemic in Shanghai has affected everyone's hearts. Employees of Ping An Bank Shanghai Branch are doing their best to protect "Shanghai". An employee's community was closed. She was not afraid of hardships and stepped forward. She and her family took the initiative to apply to join the volunteer team to serve the residents of the community.
The same warm and touching volunteer story also happened in Shenzhen. When the epidemic in Shenzhen was severe, volunteers from Ping An Bank Credit Card Shenzhen Branch and Ping An Bank Auto Consumer Finance Center Shenzhen Branch went to the front lines of the Futian District community to assist medical staff in conducting nucleic acid testing from morning to night. It is their common wish to contribute to the fight against the spread of the epidemic and strive to return the city to normal as soon as possible.
Ping An Financial Management is also facing the headwind. During the epidemic in Shenzhen, Ping An Financial Management launched the "Remote Work Important Positions AB Corner Preparation" working mechanism to ensure that "business does not stop and services do not fall behind." At the same time, Ping An Financial Management established a "Ping An Financial Management Volunteer Service Team" to become home watchmen and take root. Streets and Communities. In just four days, the service team organized a total of four batches and a total of 43 volunteers to assist the front line of Futian epidemic prevention, completed the epidemic prevention verification and registration of 108 residential buildings and 3,060 households, and built a strong virus "firewall" for the community.
In Shandong, during the most severe period of the epidemic, a group of "rebels" also emerged fearlessly.
The internal control and compliance director and retail teller of Weihai Branch ran back to the company after receiving the lockdown text message and acted as an expert for 14 days to ensure uninterrupted business, interpreting the feelings of their family and country with selfless dedication and dedication to their duties.
While employees from all over the country are working on the front line of epidemic prevention, Ping An Bank is doing its best to provide logistical support and build a solid backing for the fight against the epidemic. Due to the static management of the whole area, Shanghai has encountered the problem of insufficient supplies. The labor union of Ping An Bank's Shanghai branch thought about employees' concerns and urgent needs, and organized and distributed "care packages" covering fresh vegetables, meat and poultry and other food items on multiple occasions to solve the urgent needs of employees. The whole bank worked together to solve the urgent needs of employees. ** *Overcoming difficult times. Ping An employees who received the "love packages" also took the initiative to care for the vulnerable groups around them and shared urgently needed supplies with the elderly living alone around them to convey this warmth and goodwill.
They are ordinary bankers one after another, and they are also urban heroes who stand up at critical moments. Little glimmers of light, when gathered together, form a brilliant sea of ??stars. This is the best interpretation of Ping An Bank’s anti-epidemic spirit. In the future, Ping An Bank will continue to work together to contribute to the national fight against the epidemic.
(The above picture is authorized by Ping An Bank to be used by China Net Finance) Related questions and answers: