Interviewer: It’s great to sit down with you today. I understand you’ve just started working in Shenzhen a few months ago. Can you share a bit about your experience?
Zhang: Absolutely! Moving to Shenzhen and starting a new job has been exciting but also a bit overwhelming, especially with the costs. One major concern for me was rent. I’m paying about 2,200 yuan a month, and my landlord requires a deposit plus three months’ rent upfront, which adds up to nearly 10,000 yuan.
Interviewer: That sounds stressful! How did you manage that situation?
Zhang: Luckily, my salary account is with China Merchants Bank (CMB). When I visited a branch, the staff informed me that I could apply for a withdrawal of my housing fund online, which I could then use to pay the rent. That was a huge relief and made it all much easier for me.
Interviewer: With September arriving, I’m sure many new graduates are entering the workforce. What kind of challenges are they facing in terms of benefits and health insurance?
Zhang: Yes, there are a lot of newbies like me wondering how to navigate things like the “five social insurance and one housing fund.” Questions like where to find their health insurance code, or how to deal with medical expenses in a new city can be really confusing. Fortunately, with just a CMB account, many of these issues can be resolved.
Interviewer: So how does CMB help simplify these processes for newcomers?
Zhang: CMB has created a one-stop solution for managing the “five insurances and one fund.” They provide services that allow us to check our health insurance codes for medical care and get assistance with housing fund withdrawals and social insurance transfers. It really supports young professionals starting their careers and helps us navigate the complexities of benefits.
Interviewer: Could you explain how this one-stop service works and whether it really saves time?
Zhang: For sure! Previously, checking each insurance detail required visiting multiple sites. Now, CMB has integrated everything into their app within the “My” section. You can check your account balances just like you would for your bank balance—no more running around or switching between platforms!
Interviewer: That sounds effective! What about the process of accessing funds for renting or buying a property?
Zhang: Accessing my housing fund has become much easier as well. I can use the CMB app to search for “national housing funds” and apply for withdrawals online with just one click.
Interviewer: How does CMB handle situations where someone needs to see a doctor but forgets their insurance card?
Zhang: They’ve got a feature where you can access your health insurance code directly in the app! Just long-press the app icon to pull up the quick menu, and you can show your code at any medical facility that accepts it without having to carry the physical card.
Interviewer: That’s impressive! What if someone needs medical care in another city?
Zhang: CMB has introduced a “cross-city medical filing” feature. You can file the necessary information before seeing a doctor to ensure that your medical costs get reimbursed directly, making it much easier for those of us who might be away from home.
Interviewer: It seems that the bank is really dedicated to making life easier for its customers. Can you tell me about how CMB has used technology to enhance user experience?
Zhang: Definitely! The integration of various services in the app isn’t just a coincidence; there’s a lot of thought behind it. For instance, CMB developed a data caching system to manage the high volume of requests without overwhelming their servers, which has significantly improved efficiency.
Interviewer: It seems like they’ve done an amazing job. What has been their focus in terms of developing new features?
Zhang: CMB has held extensive surveys to understand customer needs, like the ability to easily check spending and find nearby healthcare facilities. They even pioneered the “3D touch” feature, allowing quick access to the health insurance code from the app’s icon—very user-friendly!
Interviewer: With such an innovative approach, how does CMB position itself in the competitive banking landscape?
Zhang: In the past four years, CMB has dominated the market in terms of efficiency and customer service for government-related services like housing fund management, accumulating over 1,658 services available via the app. They’ve successfully served millions of customers while keeping up high retention rates.
Interviewer: That’s quite impressive! It looks like CMB is constantly evolving to meet customer needs. What other services do they offer that might benefit someone just starting out in their career?
Zhang: CMB is really focused on enhancing user experience with various financial products, from personal loans to wealth management. They cater to different financial stages and preferences, which feels very reassuring for someone like me who’s just beginning my career.
Interviewer: Thank you for sharing your insights about your experiences with CMB. It seems like they’ve really created a supportive ecosystem for young professionals navigating early career challenges.
Zhang: Absolutely! Their commitment to combining technology with personalized service is making a significant difference for users like me.
