Finance

Taizhou Luqiao Rural Commercial Bank

Taizhou Luqiao Rural Commercial Bank, a regulator-approved joint-stock bank, uses seals extensively across head office and sub-branches in diverse business scenarios.

Customer Pain Points

Manage Pain Points

There are many security risks in the traditional seal management method, which bring many risks to the enterprise that cannot be ignored.

Decentralized management mode

Decentralized management mode

Although the headquarters manages all the seals in a unified manner, the seals are actually stored in sub-branches, which are applied by the sub-branches independently. It is difficult for the headquarters to achieve real-time and effective supervision, and there are layers of barriers to management.

single seal usage approval

single seal usage approval

The sub-branch seal can only be applied through the OA system and can be used after approval by the sub-branch president. The approval level and regulatory dimension are insufficient, and there is no unified control from the headquarters.

Transportation costs coexist with risks

Transportation costs coexist with risks

In order to improve the safety of the seal, the bank had planned to use the unified escort seal of the mortgage car, which would greatly increase the manpower and material costs, and there were still uncontrollable security risks in the escort process.

The risk of external seal usage is prominent

The risk of external seal usage is prominent

The credit contract seal needs to be taken out to the enterprise to sign the loan agreement on the spot. Although the relevant contract is standard, the loan interest rate needs to be filled out on the spot according to the negotiation results. There are problems such as irregular use of seals, arbitrary information filling, illegal seal usage, etc. in the process of taking out, and the compliance risk is high.

Customer Pain Points

System Embodiments

1. Deep system integration

Seamlessly integrate the seal management system with the bank's original OA software to achieve unified application, unified approval, and unified archiving of seal usage. Relying on the existing office system to complete the entire process operation, no additional staff operating costs are required, and management efficiency is improved.

2. Headquarters remote supervision

after the intelligent seal system is launched, it breaks the geographical and hierarchical restrictions. The headquarters can remotely and real-time supervise the use status, seal usage records, and approval processes of all seals of each sub-branch, realize the centralization and visualization of seal management, and upgrade from "decentralized management" to "headquarters management".

3. Authorize to unlock seal usage

Set up a strict seal usage authorization mechanism. All seals must go through the system to complete the approval process and obtain the corresponding authorization before they can be unlocked for use. seals cannot be enabled without authorization, and violations such as no approval and ultra vires seal usage are eliminated from the source.

4. Optimize transport management

Comprehensively consider the security and convenience of sealing IoT management, cancel the plan of unified escorting seals for mortgage vehicles, realize the security control of seals through technical means, and greatly reduce the operating costs of seal management.

Content Module

System Construction Cycle

September 2024: Demand Survey

Our company went deep into Taizhou Luqiao Rural Commercial Bank and conducted systematic research on the actual use of the seals of various branches and departments. Learn more about their seal management needs and current vulnerabilities.

October 2024: Scenario Design Phase

Our company investigated the situation and needs according to the seal usage of Taizhou Luqiao Rural Commercial Bank. The system is developed and tested, and the seal usage form is reconstructed according to the banking business to make its related seal usage business operate efficiently.

November 2024: System Development and Testing Phase

The first batch of Tianxi intelligent seal Machine and Tianyan Intelligent Printing Control Instrument were formally installed and launched. Our company trains Taizhou Luqiao Rural Commercial Bank on the operation of the system on intelligent seal usage, collects feedback in the early stage of use, and optimizes and adjusts the system.

December 2024: Delivery & Optimization Phase

Taizhou Luqiao Rural Commercial Bank intelligent seal has been fully deployed, and each branch has carried out systematic operation training in turn. The seal usage system has been comprehensively tested, adjusted and optimized to ensure that the seal of the group and its regional companies is obtained.

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