Qingdao Rural Commercial Bank Co., Ltd. chooses contract lock

Recently, Qingdao Rural Commercial Bank Co., Ltd. chose Contract Lock and established a digital trust foundation by deploying an electronic signature and seal management platform, making the digital process trustworthy; Effective· Security· Verifiable· Check it out! Qingdao Rural Commercial Bank is one of the seven fully restructured rural commercial banks established in the national sub provincial cities approved by the State Council and the China Banking and Insurance Regulatory Commission. It was listed and opened on June 28, 2012, with its headquarters located in the core area of the National Wealth Management Financial Comprehensive Reform Pilot Zone. Listed on the Shenzhen Stock Exchange on March 26, 2019 (stock code 002958). At present, Qingdao Rural Commercial Bank has more than 350 business outlets and more than 5000 employees. It has also initiated the establishment of 8 Blue Ocean Village and Town Banks in Shenzhen Luohu, Jiangxi Dexing, Shandong Jining and other places. Qingdao Rural Commercial Bank is firmly committed to the distinctive and differentiated path of serving the real economy, rural revitalization, and developing inclusive finance. It focuses on deepening reform and innovative development, promoting indicators such as deposits, loans, international settlement volume, asset quality, net profit, and provision coverage that reflect the comprehensive strength, competitiveness, and risk control ability of legal person banks to continue to maintain a leading position among local legal person banks in Shandong Province. It is an important systemic legal person bank in Shandong Province.

While the company is rapidly developing, new digital requirements have been put forward for business management and daily office operations. This time, Qingdao Rural Commercial Bank Co., Ltd. chose Contract Lock, which provides a trusted foundation for the organization's digital construction through the Contract Lock Digital Trusted Platform.

Contract locks support the printing and signing requirements for core business in the banking industry:

○ Bank inquiry and reply letter services

Support integration and docking with bank letter systems (including third-party letter platforms and self built letter platforms) to provide“ for bank inquiry and reply letters; Identity authentication, electronic signature, electronic seal, and multi-party data authentication; Service, realizing the full digitalization of online circulation, electronic signing, and automatic storage of letters of credit, to assist accounting firms and banks in efficiently, standardly, and securely conducting inquiry and response work.

(Online processing scenario for bank inquiry and reply letters)

Contract lock electronic signature platform span data style apply id="font-f amily-6f78b544" style="font-family: Arial,Helvetica,sans-serif; Support the application of electronic template library, which can help accounting firms and banks establish standardized electronic letter templates based on the standard letter formats specified in the "Guidelines for Bank Letter and Reply Work". One click application of these templates can unify the letter format templates and standardize the sending and receiving of letters.

(Create electronic template library for letter of credit)

○ Electronic letter of guarantee business

Help banks and financing guarantee institutions quickly integrate electronic letter of guarantee systems, connect with local government public resource trading platforms, and provide bidding electronic letter of guarantee 7 * 24 hours for bidding enterprises in various regions; Online Instant Order” Service, implement the application goals of electronic guarantees in public resource transactions in various regions, release the pressure of bidding enterprise deposits, and improve the efficiency of online resource transactions.

○ Bank account opening

In the enterprise account opening business, help integrate and connect with local government self built“ Electronic License System; Based on trusted digital certificates, achieve real name authentication for newly established enterprises and online application for electronic seals; Simultaneously with“ Banking Business Approval System; Connect and provide online account opening services for enterprises; Identity authentication; Service, ensuring real identity online application for account opening and online signing of account opening materials, no need to go to the counter, can be remotely opened in at least half an hour.

(Government and bank linkage, online application for seals, online account opening)

Open the bank's online service mini program, submit account opening materials for pre-approval online, use the electronic business license system to scan the code to verify identity, and sign online; Account opening application form, account management agreement, credit authorization letter, account declaration document, electronic voucher Certificates, electronic receipts, etc; Account opening materials can be completed online. Eliminate the hassle of manually filling out forms and running errands back and forth; Reduce waiting time and operational procedures; Assist newly established enterprises in digital transformation of account opening.

○ Loan Business

Contract Lock Provide credit innovation full industry chain adaptation for commercial bank loan business; Electronic Signature” And“ Trusted Digital Identity; Support, create a secure, convenient, and trustworthy online loan service platform by integrating bank loan business systems and mobile banking apps:

(Electronic Signature Application Solution for Commercial Bank Online Loans)  The contract lock open platform for internal business signing of banks can provide legal and effective electronic stamping services for commonly used management software such as OA, helping the bank headquarters and branches across the country establish standardized business stamping processes. Various business documents can be uploaded through the process, approved, and electronically stamped and signed online. The electronic files with seals are automatically stored, and employees can download and use them from the system at any time according to their needs. Various departments collaborate online and stamp with one click, comprehensively improving internal office efficiency.

○ Counter business

The contract lock can be integrated with the bank's counter business software, and can be connected to customers through mobile display devices such as tablets. The documents to be signed can be synchronized to the mobile device at any time, and combined with facial scanning recognition, customer identity verification can be quickly completed, and signature confirmation can be completed in a few minutes. The documents are automatically returned to the business software for storage and backup, without the need for manual organization, with zero paper usage throughout the process, comprehensively reducing counter service time and improving customer experience.

Contract Lock Electronic Signature In the process of serving commercial bank customers, not only does it meet their electronic signature and electronic seal requirements for online business processing, but it also utilizes strict real name authentication and data storage services to help banks effectively prevent various denials and business disputes. It provides one click judicial certification at any time, avoiding traditional judicial certification procedures and ensuring that every signature of commercial banks has legal effect.