聚焦小微企业融资，天创信用打造智能风控新标杆

Core Viewpoint - Small and micro enterprises are crucial for economic stability and job creation, yet they face significant challenges in financing due to high costs and difficulties in accessing funds [1][2]. Group 1: Challenges in Financing for Small and Micro Enterprises - The root causes of financing difficulties for small and micro enterprises include information asymmetry, high risk control costs, and a mismatch between traditional financial services and the needs of these businesses [2]. - Small and micro enterprises often lack sufficient collateral and have opaque financial information, making risk assessment challenging for financial institutions [2]. - The financing needs of small and micro enterprises are characterized by being short-term, small-scale, frequent, and urgent, while traditional financial service processes are cumbersome and slow [2]. Group 2: Technological Solutions by Tianchuang Credit - Tianchuang Credit leverages advanced technologies such as big data, cloud computing, and artificial intelligence to assist financial institutions in addressing the financing challenges faced by small and micro enterprises [2]. - The company has developed an intelligent risk control system that integrates multiple data sources, including tax, business, judicial, and operational flow data, to create accurate credit profiles for small and micro enterprises [2]. - This intelligent risk control solution enhances risk assessment efficiency and significantly reduces credit risk for financial institutions, enabling more small and micro enterprises to receive timely financial support [2]. Group 3: Customer-Centric Approach and Social Responsibility - Tianchuang Credit emphasizes a customer-centric approach, focusing on improving service experiences for small and micro enterprises by optimizing product design and simplifying operational processes [3]. - The company actively collaborates with financial institutions to explore suitable financial service models for small and micro enterprises, promoting the allocation of financial resources towards these businesses [3]. - Tianchuang Credit's ongoing efforts in inclusive finance reflect a deep understanding of social responsibility, aiming to build a more inclusive, efficient, and sustainable financial ecosystem that supports the growth of small and micro enterprises [3].