Recently, more than 250 million yuan of deposits from the Nanning branch of the Industrial and Commercial Bank of China "disappeared". The "inner ghost" forges a large amount of paper deposit certificates in exchange for depositors' real certificates of deposit, and then quietly transfers the depositor's money away.
It is reported that the criminals used computer software to edit, overprint, and forge the official seal of ICBC's business outlets to forge the above-mentioned bank tickets . After identification, among the 419 deposit certificates and other bank notes seized in this case, 350 were counterfeit .
Forged certificates become a high-risk area for banks
In fact, in recent years, vicious criminal incidents in which internal and external collusion caused banks to encounter major financial risks by forging bank tickets, official seals, etc. are still emerging in an endless stream.
In 2017, the bank fraud case of " a man set up a shocking scam and colluded with forged seals to defraud the bank of 1.4 billion " was reported on CCTV news. The criminals successfully defrauded 400 million from a bank in Shanxi by virtue of the fake official seal and many financial practitioners. After the Yuan Dynasty, the second time he committed the crime and repeated the tricks to defraud another 1 billion.
From June to July 2015, Lanzhou Jiasheng Calcium Industry Co., Ltd. and Lanzhou Daxing Industrial Mining Co., Ltd., together with Mao Ruidong, the credit manager of Gaoxin Sub-branch of Bank of Gansu, forged deposit certificates to defraud the bank of 120 million yuan in loans. After verification by the bank, it was found that the provided pledge deposit certificates were checked and confirmed . Department of forgery.
Analysis of pain points in the industry
Large amount of contracts/vouchers, high paper, printing, and labor costs; difficult to verify the identity of the borrower and the bank, and easy to forge ; The risk of bad debts is high ; contracts are difficult to store, easily lost, and verification is troublesome ; signed data is difficult to trace and restore , the chain of transaction evidence is missing, and rights protection is difficult.
Advantages of blockchain electronic contract signing
Business documents are signed online, no printing, no express delivery, low cost and high efficiency; real-name authentication of each signatory , to prevent identity fraud; digital printing control management, contract batch stamping, automatic signing, effectively prevent " "Carrot Chapter"; contract data is stored on the chain throughout the whole process , leaving traces throughout the process , truly restoring the loan process, and protecting the rights and interests of both borrowers and lenders; online issuance of certificates, online notarization, and online arbitration improve post-loan disposal capabilities and improve bank risk control.
The trend towards an inclusive and open financial business forms a contradiction with increasingly stringent supervision, which brings considerable challenges to banks' " risk management and control ".
The transformation of the financial industry is also reshaping the service model and business philosophy of traditional commercial banks. Fintech, including electronic signing , is a good medicine for banks to heal the pain points of reform.
Ai Sign has mature and rich electronic signature solutions for the banking industry , helping major banks across the country to improve digital service levels, improve business processing efficiency, save operational management costs, ensure the security of document signing , and provide legal support to assist in issuing certificates Services, with the cooperation and support of judicial agencies such as notary offices, making signing contracts more secure .
Love lottery assists digital and intelligent development of banks
As a [professional blockchain electronic contract ecological service provider], Aisign provides professional industry solutions for banks' requirements on signing contracts, certificate deposits and post-loan processing, helping banks enter the era of smart electronic contracts.
From the electronic data collection at the beginning of the contract, the formation of the entire evidence chain of the contract through technical means, to the structured processing of the electronic evidence items in the mid-term, the elemental processing, and finally to the completion of one-click litigation on the bank's intranet, and the submission of judicial cases in batches.
Ai Sign is committed to helping commercial banks strengthen their risk control capabilities and achieve more complete, efficient, safe and intelligent financial services.
Real-name authentication service: Aisign provides diversified and multi-terminal real-name authentication methods, which are convenient and easy to use. Through various authentication methods such as the Ministry of Public Security, the Ministry of Industry and Commerce, the three major operators, UnionPay, and biometric authentication, the authenticity of the identity information of the contracting entity is ensured.
Signing willingness certification: By supporting various signing methods such as mobile phone text messages, handwriting recognition, face recognition, and voiceprint recognition, it can effectively prove that a participant signed an agreement or completed a certain operation based on his true willingness expression when handling business ( Such as online contracts, agreements, etc.).
Signature service: support multi-seal, multi-user, multi-file signing, and support designated signer's signing position. The signing method supports single-page, multi-page, and seam signing. At the same time, it provides interface signing, and can easily customize electronic signing services for banks through standard API/SDK interfaces.
Full Evidence Chain Service: Aisign uses the integrated product service of signing, management and certificate storage to store certificates in the entire process of contract generation, delivery, signing, storage, and retrieval, ensuring that all links meet the requirements of laws and regulations such as the Electronic Signature Law , to ensure that the content of the whole process is complete, accurate, and not tampered with, it is an electronic contract with legal effect.
Blockchain certificate storage service: connect to the judicial alliance chain joined by authoritative judicial institutions, realize the whole process of signing certificate deposit records, have full link credibility, judicial authoritative node witness, security and privacy protection capabilities, and cooperate with authoritative notary offices to carry out documents and hash The value is stored as evidence so that it can be used as credible electronic evidence in dispute resolution.
Judicial services: Support online issuance of evidence and restore the loan process. In case of disputes, users can directly submit evidence to judicial agencies, which greatly improves the efficiency of processes, evidence collection, and dispute resolution for banks.
Love sign banking business scenario solution
Program flow
The administrator of the electronic contract system uploads the contract template document, and the contract template is sent to the credit management system in pdf format for use by the front-end credit system operator;
The credit system operator can edit and modify the contract template;
The credit system operator initiates signing after confirming the contract, and the system notifies the borrower simultaneously;
The borrower receives the signing notice, checks the content, fills in the contract content as required, then performs willingness certification (face recognition), and completes the confirmation and signing;
The credit system operator checks whether all elements of the current contract are complete, and can re-sign if the review fails;
After the signing is completed, the system will automatically sign and cover the company's official seal, and the contract pdf file will be sent to the video platform for review by the system;
The signed contract is automatically archived, and the signed information can be preserved in real time to the love signature chain deposit service.
The application scenarios of iSign electronic contracts in the banking industry are not limited to the signing of credit contracts. In fact, credit card center business, paperless counters, etc. can all be used.
In the future, Ai Sign will also continue to inject new strength into the development of banking and financial services, enhance its innovative competitive advantages, and promote the realization of more professional, intelligent, honest and compliant full-ecological financial closed-loop services.