"Puyin Account Opening" will help enterprises benefit enterprises in practice, create an optimized business environment "soft power" account | market entity | business operation
In order to further enhance the convenience of enterprise account opening services, help optimize the business environment, and better serve market entities, in 2023, the Shanghai Branch of Shanghai Pudong Development Bank has created a convenient, efficient, intelligent, and inclusive "Pudong Bank Account Opening" service brand on the basis of full account type services, providing higher quality account services to various market entities. In the first half of 2023, empowered by the "Puyin Account Opening" service, the Shanghai branch has cumulatively opened settlement accounts for over 10000 enterprises.
Enhance the inclusiveness of enterprise account opening services
The Shanghai branch has always attached great importance to the work of inclusive finance. On the basis of continuously improving the coverage of financial benefits for enterprises, the bank focuses on improving the quality and efficiency of services in the account opening process for small and medium-sized enterprises. Recently, the Hongqiao branch approached and opened accounts for 8 subsidiaries of a certain catering group in Shanghai within 2 days, and completed the disbursement of working capital loans within a week. While effectively alleviating the financial pressure on enterprises, it also assists in their business development.
Optimize the service process to allow for a maximum of one account opening run
The Shanghai branch continuously explores its own service efficiency and firmly establishes the service concept of "allowing account opening to run at most once", creating a convenient account opening experience. Recently, Yangpu Branch processed the account opening service for the new area's network point for the financial personnel of a certain securities company located in Puxi in the shortest possible time. According to relevant policies, enterprises registered in the new area need to open an account with a commercial bank within the new area and operate through this account to enjoy the relevant financial convenience policies of the new area in the future. According to the past business rules of the bank, the financial personnel of the enterprise need to bring relevant proof materials to the bank in the new area for processing. The original account opening bank of the enterprise, the Yangpu Branch of Pudong Development Bank, has customized a shared operation mode for the enterprise to complete account opening services, allowing financial personnel to only go to the nearest Yangpu Branch to open accounts at bank branches in the new area, eliminating the need for financial personnel to spend half a day traveling.
Enhance the professional ability of account opening services
In the account opening services of various enterprises, the opening of dedicated accounts for financial institutions requires banks to have higher professional capabilities due to their strict management requirements. Recently, the Jing'an branch also completed the entire process from initiating notification, project approval, account opening material review to officially opening a custody account in just 2 days, successfully landing and hosting all quarterly wealth management products of a certain bank's wealth management subsidiary. During the account opening process, the bank solved the problem of difficulty in providing financial interbank customer information through the unique account opening "cloud sharing" function of Pudong Development Bank, and successfully achieved the service of providing multiple account openings with one information.
Highlighting the service advantages of the full account system
Pudong Development Bank is one of the earliest commercial banks in the industry to implement a cross-border service system that integrates NRA, FTN, and OSA accounts. Based on this advantage, the Shanghai branch can provide customers with full account type services. Among them, the cross-border financial services that integrate financing, settlement, foreign exchange settlement, and fund pool are the concentrated embodiment of the advantages of Shanghai Branch's free trade financial services. The free trade zone branch of the bank has recently successfully reached a cross-border two-way RMB fund pool business for multiple overseas entities and account systems for a certain group customer, effectively supporting enterprises to handle free trade business across regions and achieving efficient allocation and use of funds.
Creating an intelligent experience in the account opening process
The Shanghai branch has also made efforts to upgrade the hardware of branch services, deepening the intelligent experience of customer account opening. This type of intelligent agent is mainly reflected in multiple aspects that affect the enterprise's account opening experience, such as optimizing the service mode of the branch, integrating the account opening process, controlling key nodes, providing user feedback experience, and improving the branch environment. With the help of intelligent devices in branch offices, enterprises can self-service online settlement account opening, electronic function signing, and agency function activation. Shanghai Youce Industrial Co., Ltd., located in Zhangjiang High tech Park, recently experienced the full process of self-service account opening service on the bank's self-service equipment. It only took 30 minutes from entering the store to operating the equipment to leaving the store.
The Shanghai branch will continue to improve the quality of enterprise account services and take it as an important measure to optimize the business environment for enterprises. Continuously endow the "Puyin Account Opening" service with a more significant recognition of convenience, intelligence, inclusiveness, and a full account system. Fully focus on the actual needs of the enterprise, and create a comprehensive, professional, and one-stop experience in the account opening process.