More recently, a number of banks have repeatedly disclosed 2022 operations. The performance of public business cannot be ignored in the financial statements of banks. In the context of the transition to digitization, the integration of digitization into public operations is a more critical priority.

This book collates the general receipts, public receipts and representations of 12 equity banks in 2022, compared with changes in public business.

Overall decline in the share of public receipts, except for commercial banks.

According to the Bank’s Scientific and Technological Research Institute, more than half of the 12 equity banks in 2022 disclosed specific conditions for public receipts, with the highest public revenue of $142,999 million and the lowest of $25,30 billion for the Bank’s wide distribution, more than five times the latter.

In the public sector, there is a clear separation between equity banks.

In the case of public receipts, the Bank’s share of public receipts was 33.66 per cent, at the end, with the Bank’s share of public receipts of 47.75 per cent, at the top of the Bank’s share, and in the year 2021 it was 51.35 per cent of public receipts, compared with the 2022 decline in the Bank’s share of public receipts in 2022, at 3.60 per cent.

It is worth noting that in all banks that disclose data on public receipts, in addition to business banks, the remaining banks experienced a decline in public receipts in 2022.

In the process of digitization of banks, more attention has often been paid to the transition in retail areas. From the information disclosed in the 2022 year of the equity bank, the Bank proposes to promote retail digitization of 3.0 to promote the deep integration of science, technology and business; the Bank stresses that its retail transition into the 3.0 phase, the Smart Bank 3.0, was launched in the first half of 2022 with the launching of the “Intelligence Bank 3.0” project; the Bank of Wa’s summer is concerned with the introduction of scientific and technological talent in retail areas, and in 2022 with the strengthening of specialized teams in retail science and technology, the introduction of demand, development and data, among the three categories of professionals.

While retail digitization is a concern, there is a general decline in the share of public business camps. Thus, this time, from the perspective of public digitization, compares the digitization of public services with more than 40 per cent of public revenue recruitments in 2022, Chinese-counselling banks, civil-society banks and business banks.

Recruitment: attention to business scenes, platforms, channels, etc.

In the area of public digitization, attention has been paid to the ability of businesses to operate in various fields.

It is known that the focus is on the management, marketing and acquisition of three business sites for the export of multiple products.

In response to the need for financial management upgrades and digitization of enterprises in large and medium-sized enterprises, it has been explored for integrated enterprise digitization services, providing services such as accounts management, document management, investment finance, budget management, finance management, and international operations through the CBS+ Open Platform for Financial Management. Through the Yumkiya model, it has accelerated the connectivity of its business systems to the enterprise management systems (ERP), office systems (OA), fee-control systems and supply chain financial platforms, which are applied in business operations, and by the end of the reporting period, it reached 12.87 million clients, representing an increase of 27.80 per cent over the end of 2021. Non-financial services, such as contract management, invoice management, smart recording, etc., are provided in response to the digitization of corporate financial taxes, archival information management requirements.

In the case of business marketing links, a “business receiver” has been created to provide multi-channel collection and post-paying financial management of enterprises, with standardized and individualized account services, collection services and reconciliation services based on different marketing models.

In response to corporate procurement payments and short-term financing requirements, online payment products and documentary business processes are continuously optimized to enhance the ease of operation on the line.

On the platform side, the promotion of online wind control platforms led to a breakthrough in pure credit data control, building the autonomous governance capacity of the composite wind control model system and tax data; the completion of the new generation of document operations; and the introduction of a public-customer relationship management platform (CRM), giving a line of energy and efficiency.

On the public front, the “light plan 2.0” has been promoted and the service capacity of the “opening box”. App for online enterprise banks, commercial banks, upgrades the “accessible, smart, open” capabilities and provides access to users of different players in the enterprise.

By the end of 2022, the number of customers on the wholesale route was 23.9.25 million, with the wholesale line client coverage of 94.71 per cent, and over 90 per cent of App, a publicly supported business bank or a commercial bank; the wholesale route was active at 15.94 million per month, an increase of 8.15 per cent; and the wholesale channel transaction was 17.65 million yuan renminbi, an increase of 14.63 per cent.

Under-line channels are used to create an integrated management and integrated service capacity at the branch level for public, retail, business. On the public front, in Beijing, bathymetry, Shanghai, Nanjing, Hangzhou, New York, and the emergence of a two-tier pilot science and technology finance branch, the digitization of science and technology capacity service enterprises and the use of smart passenger services to replace more than 12,000 people.

Bank of China: Focus on organizational structures, focus groups, transaction banks, etc.

The Bank will incorporate public lines into the organizational restructuring. It is known that it promotes the restructuring of the organizational structure of science, technology, risk, companies, retailers, financial markets, etc., leading to “field-based” reforms and the integration of the business sector with the science and technology sector.

With regard to passenger groups, the Bank has developed the Action Programme for Small and Medium Enterprises, 2022-2024, focusing on priority groups such as creative enterprises, the green economy, capital markets, to develop specific integrated solutions around priority areas such as “block-in” batching channels, park finance and private alliances.

On specific services, for small and medium-sized enterprises clients, the Bank optimizes the development and development of credit facilities for smart products, with mobile banks operating in the “Integrated Smart Marketing” special area; automotive finance from 1.0 to 2.0 “Carecology”, centred around three main attractions around “Carp-making” “Business-Lifeing”; and generation operations for business-dispatching workshops.