微众银行 “微粒贷”产品推出十周年 蹚出数字普惠金融新路径

Core Viewpoint - The article emphasizes the rapid development of inclusive finance in China, highlighting WeBank's commitment to serving the public and small enterprises through its digital banking services, particularly the "Weilidai" product launched in 2015 [1][5]. Group 1: Development of Inclusive Finance - WeBank launched the "Weilidai" product in 2015 to enhance the coverage and accessibility of inclusive finance, with over 40% of its services occurring in lower-tier cities and rural areas [2]. - Over the past decade, "Weilidai" has served more than 70 million customers, with approximately 18% being first-time borrowers with no prior loan records [2]. - The product features daily interest calculations and allows for early repayment without penalties, catering to the financing needs of small and micro enterprises [2]. Group 2: Technological Empowerment - WeBank leverages technology to improve the accessibility and satisfaction of financial services, addressing the "digital divide" and ensuring that special groups receive effective financial services [3]. - The upgraded "Weilidai" includes a dedicated team of sign language experts and remote video services to provide barrier-free financial services for visually impaired individuals [3]. - As of the end of 2024, "Weilidai" has served over 70,000 visually impaired customers and more than 230,000 hearing-impaired users, expanding its barrier-free service coverage [3]. Group 3: Innovation in Rural Finance - WeBank extends its services to support rural revitalization, implementing a unique inclusive finance model that combines "Weilidai" with cooperative banks to drive local economic development [4]. - The innovative support model has been implemented in 48 key rural revitalization counties, contributing over 2.9 billion yuan in taxes and successfully completing various local projects [4]. - This approach not only generates economic benefits but also achieves significant social impact, receiving high recognition from local governments [4].