Small and micro enterprises are the new force of national economic and social development. Account opening business is the basic financial service for banks to help the development of small and micro enterprises Liu Yongsheng, head of Agricultural Bank Of China Limited(601288) operation management department, told China Securities Journal recently that since the beginning of this year, Agricultural Bank Of China Limited(601288) has resolutely implemented the “six stabilities” and “six guarantees” of financial services issued by the CPC Central Committee and the State Council, strengthened the decision-making and deployment of financial support for small and micro enterprises, strictly implemented the administrative policy requirements of the people’s Bank of China, focused on the account needs of small and micro enterprises, and made comprehensive measures in terms of process optimization, science and technology empowerment, publicity and so on, We will devote ourselves to excellent services, improve quality and efficiency, solve difficult problems, effectively promote the speed and temperature of account opening services, and effectively improve the sense of acquisition and satisfaction of small and micro enterprises.
“In the first quarter of 2022, Agricultural Bank Of China Limited(601288) opened 400000 new bank accounts for small and micro enterprises and individual industrial and commercial households, an increase of 12.5% over the same period last year.” Liu Yongsheng said.
In order to further improve the efficiency of account opening, Agricultural Bank Of China Limited(601288) cut the complexity and simplify, merge the process and tighten the time limit, formulate the process standards for account opening and product signing of small and micro enterprises, and specify the requirements for seals and materials in detail. Continuously innovate ways and methods, strengthen scientific and technological empowerment, embed industrial and commercial data docking, electronic business license, RPA technology, face recognition, mobile terminal and other means into the account opening process, connect Wuxi Online Offline Communication Information Technology Co.Ltd(300959) , realize more data running, less errands for enterprises, and machine emancipation.
It is reported that at present, the number of data stamps required for account opening and signing of small and micro enterprises has been further streamlined, the time spent by customers in outlets has been greatly reduced, and the overall time spent by small and micro enterprise customers from appointment to account opening has been basically reduced to less than 2 working days.
One day in April, Ms. Zhu, the legal representative of a Catering Management Co., Ltd. in Guangzhou, was in urgent need of a business trip abroad, and the original ID card could not be provided to the account opening outlet. The customer manager of Guangzhou JUNHE branch of Agricultural Bank of China came to the door with a mobile marketing pad to check Ms. Zhu’s ID card online, and successfully opened an account for the customer with an electronic business license.
It is reported that Agricultural Bank Of China Limited(601288) aims at small and micro enterprises with new business forms, start-up period and urgent account opening time, comprehensively promotes and actively promotes simple account opening services, and solves the problem of “difficult account opening” of small and micro enterprises from the source by simplifying auxiliary identification materials, strengthening background data verification, reasonably setting account channel functions and limits, further reducing the time limit of account opening, and providing effective support for the account opening needs of small and micro enterprises during the epidemic. At present, Agricultural Bank Of China Limited(601288) has extended the simple account opening service of small and micro enterprises to 22000 business outlets throughout the bank. The overall time for simple account opening has been basically reduced to less than 1 working day.
Agricultural Bank Of China Limited(601288) said that in the future, it will continue to strengthen its political responsibility, fulfill its social responsibilities, maintain its enthusiasm and work for a long time, further promote the optimization of account opening services for small and micro enterprises, add vitality and impetus to the growth of small and micro enterprises, continuously inject financial living water into the real economy and contribute to the strength of ABC.
