How to use the power of financial living water to better serve the high-quality development of small and micro enterprises is the proposition given by the times to financial technology platforms. The focus of the fintech platform and the strengthening of services can make the financial bloodline smoother and the real economy stronger. With continuous innovation and upgrading, Yixianghua has increased the research and development of financial technology, so as to help financial institutions better establish connection and trust with individuals and small and micro enterprises, which not only meets the demands of traditional financial institutions looking for high-quality assets, but also meets the real and reasonable financing needs in multiple scenarios.
Finance and enterprises are a pair of interests community, and the mission of finance is to grow together with enterprises. Under the guidance of financial services, "customer-centric" is not a slogan, but a real foothold. In terms of helping small and micro enterprises and empowering entities, Yixianghua has quickly covered hundreds of thousands of small and micro customers, benefiting enterprises in more than 300 cities and more than 2,000 counties across the country, meeting the financing needs of tens of billions of yuan from wholesale and retail, traditional manufacturing, accommodation and catering industries, indirectly supporting the employment of hundreds of thousands of people, and creating considerable economic and social value.
Driven by the wave of digital transformation, fintech platforms should accelerate the establishment of a more comprehensive, accurate and real-time risk prevention and control system to improve the efficiency and level of risk management. Platforms, including Yixianghua, are increasingly aware of the need to focus on high-quality development, increase investment in financial technology, strengthen technology empowerment, and effectively carry out comprehensive risk management. In terms of risk management, the Yixianghua team has 17 years of scoring modeling experience, and on the basis of the rich practical experience of the senior team, it integrates the use of cutting-edge technologies such as machine learning, knowledge graph, deep learning, natural language processing, NLP, and speech recognition, and refines the characteristics of fraud laws based on massive data. 150 online risk control strategy version iterations, 44 different credit strategies, and 50 different decision flows are carried out every year to ensure that the risk control covers the whole cycle.
When the wave of digitalization is all the rage, how can the financial industry empowered by digital technology better support industrial transformation and upgrading?It is worth mentioning that Yixianghua assists banks and other traditional financial institutions in their digital transformation in multiple dimensions, and strengthens their capacity building in traffic operation and digital and intelligent risk control, so as to broaden the boundaries of financial services, improve the efficiency and experience of financial services, and achieve cost reduction and efficiency increase.
The real economy is deeply rooted, and finance can flourishOnly when the circulation of finance and the real economy is smooth will the real economy flourish and be full of vitality. Fintech platforms need to adhere to the principle of serving the real economy, strengthen service functions, identify service priorities, expand the depth and breadth of financial services, provide higher quality and more efficient financial support for the development of the real economy, and better promote high-quality economic and social development. In the future, Yixianghua will always explore new ways to integrate finance and technology more closely, provide professional and convenient services for more enterprises and consumers, and promote the development of the domestic real economy.