The government is urging financial institutions to carry out digital transformation, and the gradual digitization of management and services has become an indispensable question for financial institutions! Background of the policy on the popularization and application of electronic signatures in financial institutions: At the beginning of the year, the "14th Five Year Plan" and the "2035 Long Range Objectives Outline" clearly proposed to "steadily develop financial technology and accelerate the digital transformation of financial institutions"! As early as 2019, the People's Bank of China issued the "FinTech Development Plan (2019-2021)" (hereinafter referred to as the "Development Plan"), which clearly stated that "we should comprehensively use technologies such as digital signatures to strengthen the standardized management of financial transactions, ensure the traceability and non repudiation of the financial transaction process, and enhance the authenticity, confidentiality, and integrity of financial transaction information; &This year, coinciding with the final year of the Development Plan, Contract Lock has integrated the needs of customers in the financial industry and released over 30 electronic signature application solutions, covering daily management and service scenarios for seven types of organizations including banks, insurance, futures, securities, guarantees, trusts, and financial leasing! Comprehensive display of Electronic signature and the integration of financial services application effect, helping financial institutions to achieve digital transformation! Scene highlights: More than 30 types of businesses of 7 types of financial institutions are fully covered! 6 common bank transactions:

Mobile banking documents:

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It is understood that as of 2019, more than 3600 commercial banks have their own mobile apps . In the stage of digital transformation, more and more mobile banks are introducing electronic signatures. Customers can transfer and remit money online, and view receipts, details, and transfer and remittance documents stamped with the bank's electronic seal in mobile banking.

(Mobile banking electronic receipt - voucher - detail table style) Enterprise account opening documents: On October 14, the People's Bank of China issued a document to encourage banks to connect with the local one network office platform, and actively promote the application of electronic signatures in enterprise bank account opening and other links. In 2020, with 131 branches of Bank of Communications in Shanghai, enterprises can open accounts with corporate seals by using the electronic business license and electronic seal issued by the Shanghai One Stop Online Platform. By introducing electronic signature applications, relevant enterprises can directly upload their electronic business license and stamp it online through mobile banking to make an appointment for account opening. Click to view details :

Electronic seal application in corporate bank account opening.

Bank loan documents:

Integrated bank online loan system and mobile banking APP, enterprises and individuals can apply for loans directly through mobile banking authentication, and can initiate loan applications online. The bank reviews them online, and both parties use electronic signatures to sign documents such as " loan contract, credit information query and usage authorization letter , and loan voucher " online, enabling efficient loan disbursement.

Click to view details : Electronic signature application solution for bank loan business. Bank Confirmation Letter: In 2020, the Ministry of Finance and the China Banking and Insurance Regulatory Commission jointly issued the "Notice on Further Standardizing Bank Confirmation and Reply Work", encouraging banks to use "electronic seals with anti-counterfeiting functions" for replies. The contract lock is integrated with the bank confirmation system, using electronic templates and electronic signatures to mass produce and sign bank inquiry letters, reducing the processing time from 10 to 20 days to 1 day.

(Online stamp style for bank inquiry letter)

Click to view details : Application scenarios for electronic signature of bank inquiry letter. Bank Guarantee: In the process of serving bank customers, Contract Lock integrates with the bank's financial business system to help create a fully electronic electronic electronic guarantee approval, signing, deposit, and verification integrated service platform.

Customers can apply online, and the banking system automatically checks materials and generates an electronic letter of guarantee signing process. The bank president can approve, electronically sign, and automatically stamp the bank seal online using their mobile phone. (Bank Guarantee Electronic Signature Style) Click to view details : Bank Guarantee Electronic Signature Application Solution. Counter business files: Integrated bank counter business software, using mobile devices such as tablets, allows customers who come to handle

wealth management, deposit

and other businesses to authenticate their identity and electronically sign business documents through device facial recognition. Shorten the manual sorting and storage time of counter staff, and comprehensively improve the customer service experience. (Electronic signature of counter documents) Insurance application:

Insurance policy:

The insurance sales platform of the insurance company introduces electronic signatures and digital identity applications. Customers can remotely verify their identity during the insurance application process, sign insurance confirmation forms, policies, and receipts online, improve sales service efficiency, and ensure safe and reliable transactions. img src=" https://dl.qiyuesuo.com/image/32ad94e3ff4b4eda9ac2945aa15aee39.

(Online Policy Signing Scenario)

Click to view details : Electronic Signature Application Solution in Insurance Insurance Business.

Futures Investment:

Including : Intermediary Contract, Futures Intermediary Commitment Letter, Futures Intermediary Investor Risk Disclosure Letter, Customer Information Letter

In September 2021, the China Futures Association issued a notice on the "Management Measures for Intermediaries of Futures Companies (Trial)" . Futures companies are required to sign a "Commitment Letter for Futures Intermediaries" and a "Risk Disclosure Letter for Futures Intermediary Investors" with intermediaries and their clients. The new regulations not only stipulate that intermediary contracts need to be re signed every 12 months, but also stipulate that there will be no more legal intermediaries after September 2022. This means that futures companies will face a huge signing volume every year in the future, and at the same time, intermediary legal persons must sign informed consent forms with each customer during the process of transforming into intermediaries. The electronic signature of the contract lock helps integrate the futures company's customer management system, providing batch online signing function for futures trading through WeChat mini program, helping intermediaries efficiently sign informed consent forms and commitment forms in batches, efficient trading, and regularly re signing intermediary contracts online every year. Rural Credit Guarantee Processing: Includes : commitment letter, guarantee application letter, personal/enterprise credit authorization, guarantee intention letter, entrusted guarantee contract, counter guarantee contract, counter guarantee mortgage contract, loan disbursement notice Contract Lock Integrated Guarantee Business System, OA Management Software, providing legal and effective signing and deposit services for the acceptance, approval, underwriting, loan disbursement, and post guarantee inspection of agricultural credit guarantee business, allowing agricultural credit guarantee companies, farmers/agricultural enterprises, counter guarantee guarantors or banks to sign online, promoting farmers and agricultural enterprises to handle guarantees without running errands or once running errands. img src=" https://dl.qiyuesuo.

(Loan Notice Signing Scenario)