Ping An Bank's Measures during the Epidemic Period

"Shanghai city, which all don't pass. I am too old to know anything about online repayment. Seeing that the borrowed money is about to expire, I am so anxious that I have to call and ask you what to do. " In March this year, the Auto Finance Center of Ping An Bank received such a special hotline feedback.

After receiving the news, the financial center immediately verified that the caller was an elderly customer, then started a fast process, delayed repayment for the elderly for three months within one working day, and sent warm greetings to the elderly who lived alone during the epidemic.

Since the beginning of spring, the number of confirmed cases in COVID-19 has increased in Shenzhen, Shanghai, Guangzhou, Jilin and Xi. Many people, like this old man, have been disrupted by the epidemic, and the demand for financial services has increased dramatically. At the same time, the China Banking Regulatory Commission recently proposed that banking financial institutions should ease the repayment pressure of customers by flexibly adjusting mortgage repayment arrangements and reasonably delaying the repayment period. In this context, Ping An Bank actively responded to the call, and various business lines successively issued corresponding rescue policies and services, rallying strong combat effectiveness against the epidemic, practicing financial and social responsibilities, strengthening online operations, and ensuring that services are "not closed". At the same time, we use multiple strategies to accurately empower customers affected by the epidemic, and share joys and sorrows with customers to overcome the difficulties of the epidemic.

Online operations "don't fight" and financial services are at your fingertips.

"Graduates like me who have just worked for a few months have no savings and can't get out. Fortunately, with Ping An Bank, they can solve problems online. " 22-year-old teacher Wang urgently needs 1 0,000 yuan to pay the rent, but he can't go to the bank to apply for a loan because the community is closed.

During the epidemic, it is 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 in the event of an epidemic.

In order to better meet customers' financial needs, Ping An Bank Operation Department provides 7*24-hour non-contact "air counter" service and online "door-to-door service" page, which integrates functions and services during various epidemic periods online, and realizes the whole process of business autonomy, so that customers can handle financial business without leaving home.

For example, the credit self-service opened by Ningbo Branch during the epidemic period can provide the self-service online inquiry function of enterprise credit report, saving the time for customers to wait in line at outlets. It does not need paper materials, and it can be queried anytime and anywhere, which truly realizes the "not closing the door" of financial services. Since the launch of the "service to home" client version, the number of page visits has exceeded 6.5438+0.5 million, and the total number of users has exceeded 720,000, which fully meets the financial needs of users.

Behind the steady, efficient and "good start" financial services is the hard work of Ping An employees. Shanghai is the center of the current epidemic. Faced with the rapidly changing epidemic situation, Ping An Bank's Shanghai Xuhui workplace upgraded the home rotation office plan as soon as possible, and started the "remote collaborative office management duty" mode to ensure uninterrupted business and services.

In order to better ensure the continuity of business and system during the closed management period, many ordinary grass-roots employees in Shanghai take the initiative to apply for continuous on-site duty. Five employees in the R&D center. Group D of retail big data platform-Nie, Guo Zhichao, Zhang Yi, Lu Haiming formed two groups of volunteers on duty. In order to give up their small families, they stayed in the company for a few days and stuck to their posts just to make telecommuting smoother.

Microfinance "timely rain" saves time and money.

Teacher Zhang is the director of cooked food and the person in charge of food. Affected by the epidemic prevention and control, Shanghai's food sales increased sharply, and Changhe food inventory could not keep up with the order demand. "What is more troublesome is that the logistics speed is not only slow, but also the cost has risen a lot. Our capital turnover has long been urgent. " He said.

After learning the situation, the mic of Ping An Bank

Teacher Zhang's case is not an isolated case. Small and micro customers with weak capital reserves and poor anti-risk ability are prone to liquidity tension during the epidemic. Ping An Bank's retail loan adheres to the convenient financial service tenet of "worry-free, time-saving and money-saving", simplifies the loan process through remote online investigation and video verification, and at the same time, cooperates with the policy of reducing fees and making profits, so that customers can quickly obtain financial support even if they are isolated at home, ensuring that "fighting epidemic" and "promoting production" are correct.

Up to now, Ping An Bank Shanghai Branch has granted relief credits totaling more than 200 million yuan, helping more than 30 dealers across the country to tide over their operational difficulties.

Through various rescues to solve the problem, Qi Xin worked together to tide over the epidemic.

"I didn't expect the bank not only not to urge repayment, but also to renew my loan on such favorable terms, even without my own itinerary. Too convenient, too intimate! " Teacher Hu, who runs an architectural design company in Shanghai, said.

Mr. Hu is an old customer of Ping An Bank. Last year, he applied for a "mortgage" of 5 million yuan, but the epidemic did not know where it came from, and there was a problem with the company's capital withdrawal when the loan was about to expire. Just when Mr. Hu was anxious about repayment, Ping An Bank Shanghai Branch realized his predicament, started the epidemic special service process at the first time, and completed the real estate value evaluation and remote survey online, which helped Mr. Hu successfully obtain the loan repayment discount without repaying the principal and solved his urgent need.

Repeated epidemics have had a great impact on people's livelihood, and many people like Mr. Hu have encountered difficulties in arranging funds. Ping An Bank's retail business lines adhere to inclusive finance's initial intention, implement various preferential tariff measures, ease the liquidity tension of consumers and small and micro enterprises, and solve problems for customers.

In the retail loan business, Ping An Bank adopts preferential interest rate pricing policy for specific customer groups to reduce the financing costs of small and micro enterprises. At the same time, we will implement deferred debt service adjustment and credit protection for small and micro customer groups to relieve customers' worries. In terms of credit card business, the Credit Card Center of Ping An Bank adopts flexible collection, temporarily stops collection for customers with serious disasters according to the situation, and formulates policies to postpone or cancel four rights and services, such as hotel accommodation, self-help afternoon tea, Kwai Hui beverage rights, tea and coffee bags, and car wash service for car owners, to ensure the rights and experiences of customers. In terms of auto finance business, the Auto Consumer Finance Center of Ping An Bank allows customers affected by the epidemic to apply for loan extension, and provides customer extension or loan restructuring plans according to their specific conditions to further alleviate the repayment pressure of customers.

Take on the heavy responsibility and fight the front line, and Qi Xin will work together to fight the epidemic.

People in the same occupation

In the face of the severe epidemic situation in Omicron, Pingan people adhered to the values of "people-oriented", actively assumed social responsibilities while ensuring the normal operation of financial business, volunteered to join the volunteer team to fight in the front line of epidemic prevention and control, and staged scenes of ordinary and warm anti-epidemic stories.

This round of Shanghai epidemic affects everyone's heart. The employees of Ping An Bank Shanghai Branch do their best, and Qixin is guarding "Shanghai". An employee community was closed. She stood up and volunteered to join the volunteer team with her family to serve the residents in the community.

The same warm and touching volunteer story also happened in Shenzhen. When the epidemic situation in Shenzhen was severe, volunteers from Ping An Bank Credit Card Shenzhen Branch and Ping An Bank Automobile Consumer Finance Center Shenzhen Branch went deep into Futian District community from morning till night to assist medical staff in nucleic acid testing. It is their common wish to contribute to the fight against the spread of the epidemic and strive to get the city back to normal as soon as possible.

There is also a safe financial management against the wind. During the outbreak in Shenzhen, Ping An Finance started the working mechanism of "preparing AB corner posts in important telecommuting posts" to ensure that "business will not stop and services will not fall off", and at the same time, FireWire set up a "Ping An Financial Volunteer Service Team" to become a home watchman and take root in streets and communities. In just four days, the service team organized four groups of 43 volunteers to help the Futian epidemic prevention line, and completed the epidemic prevention verification and registration of 108 residential building and 3060 households, thus building a solid virus "firewall" for the community.

In Shandong, when the epidemic was the most serious, a number of "retrograde people" emerged, and there was no fear. The director of internal control and compliance and the retail teller of Weihai Branch ran back to the company "retrograde" after receiving the SMS, taking 14 days as an act to ensure uninterrupted business and interpret the feelings of home and country with selfless dedication.

At the same time, Ping An Bank made every effort to do a good job in logistics support and build a strong backing for epidemic prevention. Due to the static management of the whole region, Shanghai is in short supply. The trade union of Shanghai Ping An Bank thinks what employees think and is anxious about what employees are anxious about. Many times, we raised and distributed "love packages" covering fresh vegetables, meat and poultry and other foods to solve the urgent needs of employees, and the whole bank worked together in Qi Xin to overcome the difficulties. Ping An employees who received the "love package" also took the initiative to care about the vulnerable groups around them, and shared the urgently needed materials with the elderly living alone around them to convey this warmth and goodwill.

They are one ordinary banker after another, and they are also urban heroes who come forward at critical moments. A little light, together, is a brilliant Xinghai, which is the best interpretation of Ping An Bank's anti-epidemic spirit. In the future, Ping An Bank will continue to work together with Qi Xin to contribute to the country's fight against the epidemic.

(The above picture is authorized by Ping An Bank to be used by China Net Finance. )

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