Recently, the Chongqing Business Management Department of the People's Bank of China has continued to provide payment services, and through "excellent services", "reducing fees" and "promoting consumption", it has comprehensively rescued market entities from difficulties.
Excellent service
Effectively guarantee the payment service needs of market entities
The Chongqing Business Management Department of the People's Bank of China focuses onSmall and micro enterprises Account opening needs, supervises the city's banks to implement the "People's Bank of China's Bank Account Optimization Service and Risk Prevention and Control for Small and Micro Enterprises" 18 specific measures to improve the quality and efficiency of bank account services.
promotes the simple account opening service for small and micro enterprises. Bank account opening information is required to be "simplified", the account opening process is "excellent", and account classification and hierarchical management is "real". As of the end of May 2022, all 3,693 corporate banking outlets in Chongqing support simple account opening, and a total of 38,900 small and micro enterprises have handled simple account opening services. The success rate of account opening is 100%. 70%.
A network technology co., Ltd. in Chongqing is a small and micro enterprise that relies on the "Douyin platform" to engage in real estate talk live broadcast. It has no actual business premises and mainly works from home. The company has nearly 300,000 fans on the Douyin platform. Because it has reached a cooperation with a real estate agency company, it urgently needs to open a corporate account to receive funds. In February 2022, through the simple account opening service, the company effectively solved its inability to provide a fixed business location, production and operation material certificates and other account opening review problems. It only took one hour to successfully open a basic deposit account at the Industrial and Commercial Bank of China Liangjiang Xihu Road Sub-branch. The person in charge of the company praised the bank account opening service many times, "I thought that a new business start-up like ours would encounter difficulties in opening an account, but I didn't expect it to be done so soon!".
Promote the "one-stop" handling of business start-up and account opening by appointment. Through the "One Netcom" platform or the "Yukuaiban" APP, enterprises can simultaneously choose the bank for making an appointment to open an account during the stage of starting a business, realizing the "one-stop" process of starting a business and making an appointment to open an account, making business operations more efficient and time-saving. As of the end of May 2022, 17 banks and 3,151 corporate business bank outlets in the city can realize "one-stop" appointment account opening, and a total of 4,040 companies have applied for appointment account opening through this model. At the same time, banks are instructed to expand appointment channels and handle corporate account opening appointment services through online banking, mobile banking, WeChat official account, telephone, etc. Banks are required to respond to customer appointment information on the same day or at the latest the next working day to shorten the appointment response time. At present, all corporate banking outlets in Chongqing have opened accounts by appointment.
optimizes the account opening service process. Vigorously promote electronic business license application, guide banks to embed electronic business license application into account service links such as appointment and account opening, simplify paper materials provided by customers, reduce counter operation input at the same time, reduce customer waiting time at outlets, and allow business to be handled More convenient and efficient. At present, more than 90% of the city's public business outlets can accept electronic business licenses.
The Business Department of Bank of Chongqing Headquarters handles account opening services for customers through the green channel for small and micro enterprises to open accounts. Photo provided by the Chongqing Business Management Department of the People’s Bank of China
Reducing fees
Helping small and micro market entities ease operating pressure
The Chongqing Business Management Department of the People’s Bank of China actively implements the work arrangements of the Party Central Committee and the State Council on reducing fees and giving profits, benefiting enterprises and people, according to the "People's Republic of China The Banking and Insurance Regulatory Commission Development and Reform Commission General Administration of Market Supervision Notice on Reducing Payment Fees for Small and Micro Enterprises and Individual Industrial and Commercial Households requires that under the guidance of the People's Bank of China Head Office, guide all banking institutions and payment institutions in the city to reduce payment fees in detail The work implementation plan promotes 5 aspects and 12 payment fee reduction policies to take effect in Chongqing. According to statistics, more than 50% of the banks in the city have also independently launched special measures with a larger fee reduction rate and a wider range of beneficiary groups in light of the actual situation of the bank, and increased efforts to benefit the people and enterprises.
A Trading Co., Ltd. in Chongqing is mainly engaged in the wholesale of grain and oil, and often needs to handle inter-bank fund settlement business in the daily purchase and sales links. Due to the large area occupied by the company's grain and oil wholesale inventory, during the epidemic, the wholesale department was relocated from Wulong City to Yangjiao Street in order to save costs. As a small and micro enterprise, the company's account opening bank Chongqing Rural Commercial Bank provides bank account services, transfers and remittances, electronic banking services, acquiring business and other payment service fee reductions. The company's financial director said, "These preferential policies have enabled our small and micro enterprises to enjoy both convenience and benefits.It will reduce our cost by nearly 5,000 yuan every year. "
Since this year, the city's banking institutions and payment institutions have reduced payment service fees by 324 million yuan, and the average daily profit scale has exceeded 2 million yuan, effectively helping small and micro market players to reduce their burdens and stabilize their operations.
Postal Savings Bank Chongqing Tong The South District Sub-branch went to Liangfengya Industrial Park, Tongnan District to carry out a promotional campaign for payment service fee reduction and profit sharing. Photo courtesy of the Chongqing Business Management Department of the People’s Bank of China
The staff of the Business Department of the Chongqing Branch of Zheshang Bank introduced payment service fee reduction and profit sharing to small and micro enterprise customers Work measures. Photo provided by the Chongqing Business Management Department of the People’s Bank of China
Promote consumption
Help release the consumption potential of residents
The Chongqing Business Management Department of the People’s Bank of China guides all payment service market entities to actively connect with local governments and relevant departments to launch efficient, convenient and safe consumer coupons Distribution system and application scenario services. Since the beginning of this year, 5 districts and counties in Chongqing have issued a total of 213,500 government consumption vouchers, involving an amount of 32 million yuan, relying on mobile payment platforms such as Cloud QuickPass , Alipay , and bank APPs. Covering more than 4,200 key merchants such as automobiles, supermarkets, convenience stores, restaurants, hotels, etc., to stimulate residents' consumption potential and help the market recover. (Zhang Rui)