网商银行冯亮：没有线下网点，服务好6800万小微企业有秘诀

Core Viewpoint - The article discusses how Wang Feng, the president of MyBank, has successfully served 68 million small and micro enterprises without physical branches, leveraging technology and AI to provide financial services efficiently [1][4]. Group 1: Company Overview - MyBank, established 10 years ago, has an asset scale exceeding 470 billion yuan and has served over 68 million small and micro enterprises [1][4]. - The bank's core service model, termed "310," allows for loan applications in 3 minutes, disbursement in 1 minute, and no human intervention, supported by a fully self-developed and cloud-based core system [3][4]. Group 2: Technological Innovation - MyBank utilizes AI technology to enhance financial services, aiming to become the CFO for millions of small businesses by providing tailored financial management solutions [1][8]. - The bank has developed four key AI systems, referred to as "birds," which include satellite remote sensing for risk control and supply chain financial systems, significantly increasing financial service coverage for small enterprises [5][6]. Group 3: Market Impact - The penetration rate of mobile banking has increased from 32% in 2014 to 88% in 2024, with the number of e-commerce practitioners rising from 20 million to 70 million during the same period [3]. - By the end of 2024, the balance of inclusive microfinance in China is expected to reach nearly 33 trillion yuan, indicating a growing market for services like those offered by MyBank [3]. Group 4: Future Strategy - MyBank plans to further develop its AI capabilities to provide comprehensive financial services, moving beyond traditional credit offerings to include asset management and payment solutions [7][9]. - The bank envisions a future where AI services can integrate various business needs for small enterprises, creating a more open ecosystem for financial services [9].