Financial technology develops digital currency
With the development of science and technology, Chinese enterprises are speeding up the pace of digital transformation. In the past three or five years, many financial institutions in China have entered the era of financial technology. As a result, many businesses in the financial field have made rapid development. Science and technology has become a sharp weapon in the financial field to rece costs and increase efficiency, which also indicates a new trend of Finance in the future. The second half of financial science and technology will be a new pattern of "science and technology + opening"
in the financial field, the traditional bank risk control data source is single, the audit process is cumbersome, the customer depends on the offline flow, and the operation is mainly based on the offline unilateral scene. Now, banks are carrying out digital reform one after another, establishing close ties with technology companies with scenarios, launching financial procts while transactions take place in real time, putting interfaces into scenarios, and transforming bank services from bank centered to scenario centered. As financial technology enters the second half, financial institutions should use financial technology to speed up the digital process of businesses with strong financial attributes and strong offline characteristics, so as to realize the integration of online and offline services. Whether it is banks, insurance, securities or funds, "technology capability" and "open capability" are the two core capabilities of financial institutions, "technology" drives the risk management and efficiency optimization of financial value chain, "open" opens the service boundary by the strength of partners
in addition, financial institutions need to pay attention to the construction of two core capabilities, one is the ability of science and technology, the other is the ability of openness. Technology can realize digitization, let data drive the risk management and efficiency optimization of the whole financial value chain, especially the risk management and efficiency optimization of stock business, and rece the marginal cost to cover most customers; Opening can open the service boundary with the help of partners, maximize the service to the real instry and people's life, and create inclusive value for the real economy and people. Entering the second half of financial technology, financial institutions need to use the means of financial technology to speed up the digital process of businesses with strong financial attributes and strong offline characteristics, realize the integration of online and offline, improve efficiency, rece risks and create greater value returns
in addition to the development of financial institutions themselves, in the integration of Finance and technology, digital technology companies should also play the role of "co builders". The so-called co construction is not to be a new instry to compete with the existing instry, but to integrate the accumulated digital technology capabilities with the instry experience and rules accumulated by the instry for many years, so as to jointly do the digital transformation and upgrading. Co construction and opening up are not two separate ways of thinking. With the help of the power of partners, we can open the service boundary, maximize the service for the real instry and people's life, and create inclusive value for the real economy and people
co construction is the co construction of digital technology and instry, and the integration of technology and instry know
how. As a persistent advocate of "co construction", Chen Shengqiang and Jingdong digital science and Technology Co., Ltd. led by him have been developing digital technology that is closest to the scene. Up to now, Jingdong Digital Technology Co., Ltd. has completed the layout in the fields of digital finance, digital agriculture and animal husbandry, digital marketing, digital campus, etc. its brands include Jingdong finance, Jingdong City, Jingdong agriculture and animal husbandry, Jingdong molybdenum media, Jingdong little owner, etc. In every field, with the idea of "co construction", Jingdong Digital Technology Co., Ltd. is actively building a bridge of cooperation with instrial partners to jointly complete the digital upgrading of the instry
digital currency leads the new financial pattern
with the acceleration of China's central bank's digital currency field, more and more central banks begin to pay attention to the central bank's digital currency field. It can be predicted that in the future, the central bank's digital currency will be an important direction for countries to compete in the financial field{ RRRRR}
social medical insurance reimbursement is made after discharge or transfer
settlement proceres for inpatients and outpatients with special diseases:
designated medical institutions shall report the expense settlement sheet, inpatient settlement sheet and relevant information of discharged patients in the previous month to the medical insurance agency before the 10th day of each month, which will be used as the basis for monthly budget and year-end final accounts after being reviewed by the medical insurance agency
medical insurance agencies pre allocate the overall expenses of hospitalization and outpatient treatment of special diseases in the previous month
the insured with special diseases should go to a designated medical institution designated by the labor and social security department for medical treatment and purchase, and the medical expenses incurred should be directly recorded and settled immediately
emergency settlement procere: the medical expenses incurred by the insured who are hospitalized in non designated medical institutions and other medical institutions in the city e to emergency rescue shall be paid in advance by the indivial or unit. After the end of emergency rescue, the reimbursement proceres shall be handled by the medical insurance agency according to the regulations with the hospital emergency medical records, examination, laboratory report, invoice and detailed medical charge list
settlement procere for off-site resettlers:
the unit where the off-site resettlers are located shall designate 1-2 designated medical institutions for them and report them to the medical insurance agency for record
the medical expenses incurred by the staff in different places who are ill in the designated medical institutions of their residence shall be paid by themselves or their units in advance. After the treatment, their units shall go to the social medical insurance agency for settlement with the medical certificates and medical records of the insured, valid expense bills, plicate prescriptions, hospitalization expenses list, etc. on the specified date
referral settlement:
if the insured is transferred to other medical institutions for diagnosis and treatment e to the limited conditions of designated medical institutions or special diseases, they need to fill in the referral approval form. The reason for referral should be put forward by the doctor in charge, the director of the Department should put forward the opinion of referral, the medical insurance office of the medical institution should review, the president in charge should sign and report to the Municipal Medical Insurance Center for approval
in principle, referral should be made from within the city to outside the city, from within the province to outside the province. It is stipulated that referral within the city should be concted among designated medical institutions. Referral outside the city shall be proposed by designated medical institutions at or above the third level of the city
for the medical expenses incurred by the insured after referral, the indivial or unit shall pay in cash first. After the medical treatment, the insured or his agent shall go to the medical insurance agency for reimbursement of the hospitalization expenses within the scope of the overall planning fund with the referral approval form, medical record certificate, prescription and valid documents.
within 1 months after discharge, registered residence booklet, patient ID card (the identity verification opinion signed by the medical insurance Department of the hospital must be signed, and the official seal), resident medical insurance card (card), medical expenses invoice and detailed list, discharge certificate, residence certificate or temporary residence permit information, etc., shall be processed to the medical insurance agency of the household registration office for reimbursement of medical expenses.
therefore, when the medical personnel are hospitalized, they must report to the local medical insurance center for record. If they do not go through the reporting proceres as required, the medical expenses incurred in hospitalization will not be reimbursed by the medical insurance institution.