At present, scientific and technological innovation provides new tools and means to solve the problem of financial services for small and micro enterprises, financial institutions should focus on small and micro enterprise customers, closely integrate small and micro financial scenarios, actively and steadily promote financial technology innovation, and apply high-level digital technology to down-to-earth financial products and services to better serve users. In order to find the optimal solution for the majority of users to be empowered by financial technology and inclusive finance, under the sound corporate governance, we have reshaped the core of the enterprise from the six core dimensions of decision-making process flexibility, technology self-research capabilities, differentiated customer group positioning, technology business integration, digital ecosystem, and ultimate customer experience, and continuously explored the high-quality experience of serving users with scientific and technological innovation.
With the deepening of a new round of scientific and technological revolution and industrial transformation, new breakthroughs have been made in digital technologies such as mobile Internet, big data, cloud computing, and artificial intelligence, driving all economic and social fields, including the financial industry, to accelerate their development to a higher stage of digitalization, mobility, and intelligence. Huanbei makes full use of artificial intelligence and big data technology to make the product use process more convenient, small and micro enterprises do not need to go offline to sign various guarantees, realize second-level loans, operate online, and let loans not wait, providing a more convenient and direct financial service "fast channel" for small and micro groups, and effectively solving the problem of user capital turnover.
In general, the financial services of small and micro enterprises still face problems such as high cost, high risk, low efficiency, and mismatch between supply and demand. For example, in view of the pain point of the lack of credit records of many small and micro business owners, the system can intelligently analyze the user's social attributes, living habits, consumption behavior and other data, establish a rich label system, and accurately divide and risk assess the type of user, so as to complete the intelligent anti-fraud and default risk identification.
In recent years, financial institutions have continued to explore intelligent risk control solutions for small and micro finance, and have established an intelligent risk control system around various risks of small and micro enterprises. Relying on the empowerment of advanced financial technology, Huanbei has built an intelligent risk control system, which can comprehensively analyze user authorization data, conduct accurate portraits of users, intelligently complete credit pricing, give corresponding credit lines according to credit evaluation results, and give certain preferential interest rates to small and micro business owners with good credit. Intelligent credit pricing breaks through the long-term problem of small and micro business owners lacking collateral and difficulty in obtaining credit support, and alleviates the pressure on enterprise capital turnover in a timely manner.
There is still a long way to go to solve the problem of unbalanced and insufficient financial services for small and micro enterprises in an overall and systematic manner. Huanbei will unswervingly adhere to the innovative development strategy of financial technology, grasp the trend of digitalization, and make new contributions to serving the new economy, new finance and new development.
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