QRCB(SZ:002958) He Xun Wang·2025-06-16 14:27Core Viewpoint - The article emphasizes the significant advancements in rural finance and the integration of urban and rural development in China, particularly through the innovative "Xiao Wei Yun" service platform developed by Qingdao Rural Commercial Bank, which aims to enhance financial services in rural areas and support the rural revitalization strategy [1][7]. Group 1: Financial Innovation and Services - The "Xiao Wei Yun" platform integrates basic financial services, government services, and convenience services, effectively shortening service chains and improving efficiency to meet diverse customer needs [1][3]. - The platform has established approximately 1,500 service points across urban and rural areas, addressing the accessibility issues of financial services in rural regions [2][3]. - The service terminal supports various functionalities, including identity verification and transaction processing, catering especially to the elderly population in rural areas [3][4]. Group 2: Integration of Financial and Government Services - The "Xiao Wei Yun" platform connects with various government departments to provide over a hundred high-frequency government services at rural convenience stores, creating a comprehensive service ecosystem [5][6]. - This integration allows for a seamless transition of government services from centralized locations to local service points, enhancing convenience for rural residents [5][6]. Group 3: Economic and Social Impact - The "Xiao Wei Yun" service model not only benefits rural customers by saving time and transportation costs but also supports local businesses by attracting more customers to convenience stores [6][7]. - The platform has received recognition for its innovative approach and has been awarded multiple innovation awards, highlighting its societal value and replicability [6][7].