Shanghai, an inclusive financial platform, will be upgraded to connect the "first mile" policy of financial support for the real economy | finance | economy
"Is there still such financial products and support policies?" Recently, the Shanghai Financial Work Party Committee and the Shanghai Local Financial Supervision Bureau found in their research that many market entities, especially small and medium-sized enterprises, still have information asymmetry in financial policies and services. Enterprises have an urgent need to have a deep understanding of financial policies and products, and obtain precise financial services. Shanghai's inclusive financial services need to further improve their effectiveness.
Since the launch of the theme education, the Municipal Financial Work Party Committee and the Municipal Local Financial Supervision Bureau have faced a series of shortcomings in the development of the real economy, listed multiple research topics, and established several research groups led by the main leaders and responsible leaders, covering various aspects such as financial support for science and technology talents and enterprise innovation and entrepreneurship, promoting the agglomeration and high-quality development of Shanghai's financial technology industry, and digital empowerment to enhance the level of inclusive financial services.
The research team has gone deep into the grassroots frontline, aiming to truly understand the situation that is troubling the development of the financial industry, identify the problems that market entities strongly call for, and implement countermeasures that benefit more people, focusing on bridging the "first mile" and "last mile" of financial support for the real economy. Since the launch of theme education, the Municipal Financial Work Party Committee and the Municipal Local Financial Supervision Bureau have taken 8 measures to "solve problems and promote development" and 34 projects to "do practical things and alleviate public concerns", effectively responding to the concerns of financial institutions and the public.
Among them, digital empowerment to enhance the level of inclusive financial services is one of the research directions. Focusing on the inclusive financial advisory system in Shanghai, with the Shanghai Inclusive Financial Advisory Comprehensive Service Platform launched in March this year as the starting point, the research team followed the progress of "one week research" and visited the Jing'an District Financial Office, Financial Industry Federation, Joint Credit Reporting, technology-based small and medium-sized enterprises, and market merchants to deeply understand the actual situation of relevant districts, financial institutions, and enterprises promoting digital empowerment of inclusive finance. At the same time, attention should be paid to strengthening the coordination between urban and rural areas, establishing multiple offline inclusive financial advisory service hubs, organizing multiple inclusive financial advisory service docking activities, communicating with inclusive financial advisors and enterprises on site, further promoting cooperation between banks and enterprises, and better serving the development of small and medium-sized enterprises.
It is reported that after in-depth research, the optimization and upgrading plan for the Shanghai Inclusive Financial Advisor Comprehensive Service Platform has been basically formed. On the basis of the original online "one click direct connection" financial advisor function, the focus is on the positioning of "precise pulse detection, identifying pain points, and clearing blockages", with the focus on improving the enterprise experience, leveraging the advantages of credit data and digital technology, and continuously promoting functional upgrades——
On the one hand, developing mobile platforms and enhancing convenient experiences. Focusing on the public's preferences for online communication, we will refer to the enterprise WeChat model to optimize the communication module between consultants and enterprises, further develop functions such as encrypted telephone, online consultation, and offline consultation and appointment, and enrich our service capabilities.
On the other hand, connecting consulting services with product services to enhance precise docking capabilities. Optimize the existing platform process, organically integrate consulting and pulse diagnosis with precise service push, guide more pilot financial institutions to open online direct connection ports for products, and achieve the full process and integration of "docking, consultation, service, and follow-up" on one platform.
While optimizing and upgrading online platforms, Shanghai will also accelerate the linkage development between online platforms and offline service hubs. Accelerate the construction of offline inclusive financial advisory service hubs through the "one district, one park, one hub" model, and create the main battlefield for offline normalized services. Recently, inclusive financial advisory service hubs have been established in districts such as Xuhui, Putuo, Jing'an, Jinshan, and Changning. In the future, the construction of offline service hubs will be accelerated, gradually promoting coverage in 16 districts of the city. In addition, the team of inclusive financial advisors will be further expanded, focusing on key areas to supplement and enhance the strength of the inclusive financial advisory team.
"We need to deeply integrate the work of providing inclusive financial services with the investigation and research work of Daxing, regularly listen to the needs of frontline enterprises, learn methods and plans from the market, and transform them into specific scenarios for overcoming difficulties and breakthroughs, in order to test the main educational achievements of serving the development of small and medium-sized enterprises with new achievements." said the relevant person in charge of the Shanghai Financial Work Party Committee and the Shanghai Local Financial Supervision Bureau.
