恩施州启动“不动产登记+金融服务”战略合作 抵押登记实现“银行网点一次办好”

Core Insights - The strategic cooperation agreement signed between Enshi Prefecture's Natural Resources and Urban-Rural Development Bureau and three banks marks the full implementation of the "Real Estate Registration + Financial Services" reform in Enshi Prefecture [1] Group 1: Process Reengineering - The new initiative allows real estate mortgage registration services to be extended directly to bank branches, establishing "Real Estate Mortgage Registration Convenience Service Points" [2] - Trained bank personnel can now handle the entire chain of mortgage registration applications, significantly reducing the time required for processing from three working days to "instant completion," improving efficiency by nearly 10 times [2] Group 2: Dual Empowerment - The cooperation not only speeds up the process but also creates a service system that balances safety and efficiency, allowing for real-time data sharing between registration institutions and banks [3] - This real-time access enables banks to better assess the value of collateral and reduce the risk of bad loans, while simplifying the process for the public [3] Group 3: Comprehensive Coverage - The initial three banks will set up convenience service points in key urban areas, with plans to extend these services to counties and towns, ensuring widespread access to the reform's benefits [4] - The goal is to make the reform's advantages accessible to both urban enterprises and rural residents, enhancing the efficiency of government services and contributing to high-quality economic development [4]