Starting today, this newspaper will introduce the convenience and benefits brought by the Internet-based "Smart Provident Fund" and the national policy-based "Huimin Provident Fund" to the citizens' rational use of housing provident fund in two phases.
The housing provident fund service hall located at No.51Wuhan Street, Zhongshan District is required to start business at 8: 30, but there are usually dozens of people waiting for business before 8: 00 every day; The provident fund hotline also receives thousands of consultation calls on average every working day. On March 8, the person in charge of Dalian Housing Provident Fund Management Center told the reporter that with the continuous application of big data and Internet in the customer service of housing provident fund, the number of people going to the counter for business and hotline consultation showed a downward trend, but the total number was still quite large. There is still great potential and space to further implement the service concept of "using big data to optimize business processes, streamline procedures and materials, let data run more and let people run less errands". Many provident fund businesses can be done online.
It is reported that the computer system of the city housing provident fund management center has stored a large amount of data such as the deposit, withdrawal and loan of housing provident fund, which was only used as a record of handling business before and has not been effectively applied. Customers often have to run errands repeatedly and provide more proof materials.
At present, the center has upgraded the computer system, carefully sorted out various business processes, deeply analyzed the necessity of setting up each link, integrated system data information with big data and internet plus technology, established a customer data information system, and provided relevant intelligent services through in-depth analysis, mining and intelligent application of data in the background. According to this idea, the workflow, work links and procedures have been greatly optimized and deleted. Any operation that can be completed by computer data operation will never use more people to run errands, and the number of people running errands will be significantly reduced. Some businesses can be handled without leaving home. To this end, pay attention to and remember the following information, you can save a lot of heart.
Open an account in a newly established unit.
Implement online appointment registration
By improving the service function of the website, the unit can handle the deposit, adjustment, transfer and custody of housing provident fund without leaving home. Newly-established units open accounts by online appointment registration, and enter relevant information in advance. If the unit goes to the center again, it's over and gone.
Employees can do it themselves.
Handle early repayment of loans
And the extraction business is simplified. Through self-service equipment and websites, employees can use the balance of the housing provident fund account to repay the loan in advance (in full) and close the account at the legal retirement age without waiting in line at the front desk.
Because of renting a house, I am seriously ill
Withdrawal of provident fund can be completed at one time.
When employees apply for renting a house, are seriously ill, or go back to their hometown to withdraw housing provident fund, it will be reduced from 2 times to 1 time. Employees only need to submit an application to the center once, and the background of the center will review it. After passing, they will transfer money directly, without the need for employees to come again.
According to reports, at first, employees need to come to the center twice to apply for renting a house and withdraw housing provident fund: the first time they submit the application materials to the center for verification, and after the center verifies that it is correct, they will be notified to come to the center for the second time. Later, the center adjusted the process and implemented "taking first and then reviewing". At that time, it was an employee application, and the center verified the procedures afterwards, and recourse and punishment were given when problems were found. In this way, employees only need to complete a provident fund withdrawal.
After the employee's personal loan
The first withdrawal of the provident fund can be made by appointment.
The first withdrawal of housing provident fund after the employee's personal loan is subject to an appointment system. After the loan is issued by the center, the funds will be transferred according to the agreement, and employees do not need to run errands. Adjust the time interval of withdrawing housing provident fund from 365 days to 12 months, so as to avoid customers from running errands even if they remember the last withdrawal date wrongly.
Wechat sweeps the business and knows everything.
This is a convenient service measure recently launched by Zhongshan Office of Dalian Housing Provident Fund Management Center. Through the QR code, you can learn about dozens of businesses related to housing provident fund withdrawal and housing provident fund loans, including leaving the country to settle down, buying a house in full in cash, transferring the provident fund across the city, repaying in advance, transferring commercial loans to public loans, and moving houses.
A staff member of the service hall of the Housing Provident Fund Management Center told the reporter that many elderly customers are not used to using convenient means such as mobile phones and WeChat when handling provident fund business, and there may be obstacles in online operation, which requires guidance and help from their children and young people around them.
What can the system data explain?
No more relevant supporting materials are needed.
When customers do business, the front desk can retrieve relevant information with one click. If the system data can explain the situation, customers are no longer required to provide relevant certification materials, and electronic imaging systems are used to collect business materials. Customers do not need to copy relevant materials. The original copy of 12 pages for personal loan business has been cancelled.
Many things about you are in the computer.
There is no need to issue a certificate.
Apply for a joint housing provident fund card to realize the "one card" for bank accounts and provident fund accounts. Customers do not need to open another card or discount for withdrawal, settlement, loan and repayment. The identity authentication system of the Ministry of Public Security is embedded in the central computer system, and external data such as employee identity, household registration, housing, marital status, commercial loans, etc. All of them are verified by networking with housing transactions, marriage registration, credit reporting and other departments, saving employees the trouble of issuing relevant certificates.
Pay attention to "Online Service Hall"
Units can handle the deposit and change of housing provident fund, and employees can handle retirement cancellation, transfer and loan repayment, partial (full) repayment in advance, and modify personal and unit information through websites and self-service equipment, which can be completed without leaving home. More than 90% of the units in our city have opened online office business, and the online collection ratio of housing provident fund exceeds 85%; More than 50% of post-loan matters can be handled by self-service.
Check the funds in the account.
Just use your mobile phone.
Set up a mobile service platform. Use mobile client, WeChat and other channels to provide real-time information push, reminder, query and other convenient services. Relevant policies and regulations, business guide at the front desk, personal loan amount trial calculation, examination and approval progress inquiry, account funds, loans, repayment and other matters can be conveniently inquired, and some businesses that must be handled on-site in the lobby can also be handled through mobile phones.
Extraction of housing accumulation fund
Withdrawal of purchase
Full cash payment
buy
Provident fund or enterprise
Loan loan to buy a house
Purchase of collective land
Or military buildings
Different parts of the province
Provident fund loan
Advance repayment by transfer
commercial loan
Cancellation of an account
retire
Settle abroad
Foreign hukou
go home
Death or
Be pronounced dead
Old age unemployment
Lease and building extraction
rent a house
Construction and renovation
Renovate a house
Cross-city transfer
Cross-city transfer
Public accumulation fund
Special extraction
Family living allowance
have
Major disease
Children from difficult families
go to college
Lose the ability to work
Cause family difficulties
Commercial residential building
second-hand house
Movement of shell
Mortgaged house
Early repayment
Monthly transfer repayment
Commercial loan transfer
Provident fund loan