Customer Profile: Hainan Rural Credit Cooperative was founded in 1951 and is the earliest local financial institution established in Hainan. On August 10, 2007, with the approval of the China Banking Regulatory Commission, the Hainan Rural Credit Cooperatives Union was established and listed. It is under the management of the provincial government and entrusted by the provincial government to undertake the management, guidance, coordination, and service functions of rural credit cooperatives throughout the province. At present, there are 8 rural commercial banks, 11 city and county cooperatives, 477 business outlets, and over 7200 employees under its jurisdiction. It is the local financial institution with the largest number of branch institutions, customer services, and card issuance volume, the largest business scale and tax contribution, and the widest service network among commercial banks in the province.
Requirement analysis:
By changing the signing method, create an electronic signature service platform that meets the requirements of the State owned Assets Supervision and Administration Commission's information and innovation construction and the digital transformation of state-owned enterprises, and help upgrade bank credit and counter business
① Replace the original signature system
The signature application previously used by Hainan Rural Credit Cooperative was directly used for result documents, and cannot manage document templates. With the development of internal digital upgrading within the unit, more flexible electronic signatures are needed to support digital transformation in credit business, counter business, etc.
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② It is difficult to control the printing of 19 rural credit cooperatives. Hainan Rural Credit Cooperatives has 8 rural commercial banks, 11 city and county cooperatives, 477 business outlets, and more than 7200 employees under its jurisdiction. Under the huge scale system, there is a high demand for business signing, and the manual control and stamping of various seals bring a lot of mechanized work to business personnel, making it difficult to supervise the use of seals. ③ Cost reduction and efficiency improvement in financial services
"Cost reduction and efficiency improvement" is an important goal of the digital construction of Hainan Rural Credit Cooperatives, achieving paperless credit and counter business, which can help effectively reduce various troubles such as "manual review, printing, paper, manual sorting and archiving" in the daily signing work of rural credit cooperatives, simplify business processes, and achieve service cost reduction and efficiency improvement. At the end of September 2022, the State owned Assets Supervision and Administration Commission (SASAC) issued an important document numbered Xinchuang 79, requiring all central and local state-owned enterprises to implement Xinchuang construction. Electronic signatures, as an important foundation for the digital construction of Hainan Rural Credit Cooperatives, need to meet the localization requirements of operating systems, middleware, and other Xinchuang products.
Solution:
Unified electronic signature service platform for 19 cooperative societies, realizing the integration of electronic signatures and business software applications, providing electronic signature support for credit business, counter business, and inquiry letter business
Application scenario:
Integrated mobile banking APP, promoting credit business credit authorization letter, comprehensive information query authorization letter, electronic receipt, electronic inquiry letter file electronic signature
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Scenario 1: Electronic signature of credit authorization documents for mortgage loans
Contract lock integrated with the Hainan Rural Credit Cooperative mobile banking APP, creating a "bank APP signature+WeChat signature" combined signing method for multi-party signing scenarios in credit authorization, allowing loan applicants and authorizers to handle authorization online without meeting in person.
>Detailed scenario:
① The loan applicant logs in to the mobile banking to initiate a credit authorization application, and the APP calls the contract lock interface to automatically create an electronic authorization letter and sign the process.
② The system determines the signing method based on the signing requirements and performs enterprise online stamping or legal representative APP signing. After the borrower completes the signing, the system automatically updates the signing status. The borrower can automatically forward the signing process to the authorized person's WeChat through the bank APP. The authorized person can open WeChat to authenticate and sign the authorization letter with their real name. ④ Signed documents will be automatically returned to the APP process for archiving, supporting queries and downloads. Scenario 2: Electronic Signature of Loan Confirmation Letter for Internal Audit of Banks Background: Hainan Rural Credit Cooperative hires an accounting firm to audit its affiliated business every year. During this process, the audited branch needs to send confirmation letters to the bank's customers to confirm business transaction data. The contract lock is integrated with the mobile banking app of Hainan Rural Credit Cooperative, providing an "online confirmation letter" service for its affiliated cooperative branches. This enables the branches to send letters online, the banks to stamp them online, the bank customers to approve and sign on their mobile devices, and the entire process is paperless, comprehensively improving the efficiency of branch audits.
> Detailed scenario:
① Branch business personnel log in to the APP to initiate an inquiry letter application. With the help of the "Identity, Template, and Process Creation" three in one interface of the contract lock, they efficiently complete user authentication status recognition, electronic file creation, and signing process creation, and initiate the inquiry letter signing with one click. After the signing process is generated, the bank automatically completes the stamping process internally and sends the confirmation letter signing message to the bank customer's account. ③ Log in to the bank account app to check the confirmation letter message, verify the business data online for errors, and fill in the verification comments. ④ During the signing process, use the contract lock authentication interface, facial recognition to confirm identity, add electronic signature online, and reply to the letter. The content of the reply letter will be automatically sent back to the APP. If the data is correct, the audit will be completed, and the system will notify the audit unit via SMS to view or download the confirmation letter online.
Scenario 3: Electronic receipts and electronic signatures for mobile banking transactions
For the mobile banking transfer business of Hainan Rural Credit Cooperative, the integrated application of "electronic signature and mobile banking APP" enables customers to transfer funds online, automatically stamp and generate electronic receipts, which can be viewed and downloaded on the mobile end.
> Detailed scenario:
① Bank customers initiate electronic transfers through mobile apps, and the transfer data is automatically transmitted back to the bank's business system to execute the transfer.
② After the transfer is completed, the bank APP automatically creates an electronic receipt based on the transfer completion status. At the same time, the receipt and transfer data are encrypted and transmitted to the contract lock to create an electronic file and sign the process.
③ The bank's internal signature process is set up to automatically complete the stamping process without the need for manual operation.
④ The signed PDF electronic receipt file is synchronized and returned to the mobile banking app for archiving, and the transfer process is completed.
⑤ After signing, the contract lock can provide file browsing and download interface services for the mobile banking app. Bank customers can view and download electronic receipts through the mobile app.
Application value:
Replace paper contracts and seals with electronic signatures, comprehensively eliminate paper, printing, express delivery, and manual sorting and archiving on the business side, and reduce operational service costs.
Docking with mobile banking apps, providing legally effective electronic signature services for banking business, resolving the problem of various documents being unable to be signed online in the digitalization process of banking business, and promoting the construction of digital banking.
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