Original title:Everbright BankShenzhen Branch: “Technology+Finance” Solves Real Estate Mortgage Registration Difficulties Source: Tencent News
On May 6, the reporter learned from the Shenzhen branch of Everbright Bank that the Bank's Risk Management Department, in conjunction with the Shenzhen Real Estate Registration Center, recently launched the “Internet+ Real Estate Online Mortgage Registration” service, making full use of the advantages of online Internet services to effectively solve problems such as “difficult mortgage agreements, quarantine and inability to go out”, so that customers can quickly complete mortgages without leaving their homes, help stranded customers overcome difficulties during the epidemic prevention and control period, and achieve the goal of “collateral and epidemic prevention are the same, technology empowers development”.
According to reports, the Shenzhen branch of Everbright Bank makes full use of the “contactless service” provided by “Technology+Finance” to cover all types of retail and public loan businesses. It can remotely submit mortgage applications online, “apply in seconds” for 7 x 24 hours, take out the collateral status on the same day, and cancel the mortgage with one click. The system can also realize intelligent face recognition, automated comparison of public security system information, online extraction of materials such as identity certificates, etc., automatically generate application forms, and electronic signatures. Shenzhen branch customers can also enjoy a private “one-on-one” service, or choose to submit an application online at any time without leaving their homes. The project went from setting up a project team, project bidding, project development, electronic seal application, pre-launch preparation, and system trial operation. It took more than 3 months and was finally officially launched in March. The share of collateral processing business reached 51.6% in the first week after the system went live.
According to the head of the Shenzhen Branch Collateral Management Center of Everbright Bank, the Shenzhen branch is the first agency within the Everbright system to use electronic seals to handle online real estate registration services. In order to solve problems such as backlog of business volume during the epidemic and customer “difficulties”, on the one hand, under the premise that system data has not been perfected, online mortgage projects were launched ahead of schedule, and on the other hand, additional personnel were deployed online and offline at the same time to absorb the mortgage business volume. In order for the system to operate smoothly after launch, the mortgage team actively works overtime every day until 9:00 p.m., to enter business data to be processed the next day in advance, work overtime on weekends to summarize and optimize the reservation process, and customize guidelines, signs, and customer mobile operation guidelines.